Century Business Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Century Business Solutions provides businesses with custom-designed payment processing software, so if you have a business with a variety of needs that are better solved by a tailored solution, this merchant payment processor is worth considering.

Specializes in

Merchant accounts, Integrated payment solutions, payment processing solutions, virtual payment gateways, mobile payment processing, and payment gateways.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Up To $495

Contract Terms:

3 Years
Visit Century Business Solutions

Headquartered in Irvine, California, Century Business Solutions specializes in developing payment processing applications that facilitate electronic payment processing within the workplace, enhance transaction security, and increase client profits.

The Century Business Solutions applications are PCI compliant and fully integrated with major ERP/accounting systems, including QuickBooks, Sage ERP products, SAP Business One, Microsoft Dynamics, NetSuite, Epicor, Acumatica, and major online shopping carts, including Magneto WooCommerce, and Volusion.

Century Business Solutions Overview


Century Business Solutions is an Irvine, California-based merchant account provider that specializes in developing custom payment software for merchants. The company was founded in 2005 and is a reseller of First Data’s merchant services. There is another company called Century Business Solutions that may be confused with the company that is the subject of this review. This other Century Business Solutions is an office supply retailer based in Santa Fe Springs, California, and it does not appear to be related to the Irvine-based Century Business Solutions.

Quick Facts

Head Quarters

Irvine, CA

Year Founded



Thomas Cadden



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Healthcare
  • Legal
  • Marijuana / Cannabis
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • High Volume
  • Information
  • Low Risk
  • Mom & Pop
  • MOTO

Century Business Solutions Products & Services


Century Business Solutions employs skilled software engineers who customize EMV-compliant software. Companies without large IT staff benefit from choosing Century Business Solutions because it handles integrations and migrations. Its engineers can also program mobile Bluetooth, and USB connectivity for EMV terminal mobility, as well as integrating POS systems.

With Century Business Solutions, you can process card payments and checks whether at point-of sale, online, mail/phone order, or on-the-go with mobile processing. Gift and loyalty card programs are also available.

Century Business Solutions Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Century Business Solutions Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Century Business Solutions Advertising & Sales

Century Business Solutions uses its internal sales team and industry partnerships to sign up customers. This is a plus because the sales team has a reputation for professionalism and taking care of customers. Many payment processors employ third-party sales firms, who often work solely on commission. This often leads to high-pressure sales tactics, including unrealistic guarantees and inaccurate quotes. Rare amongst its peers, Century Business Solutions has no online complaints about deceptive sales practices.


Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Century Business Solutions Pricing, Rates & Fees


Century Business Solutions declines to publish standard rates, which likely means they are both negotiable and depend upon what types of customization the customer requires. Though a custom quote is needed to judge how competitive the prices are, the fact that there are no merchant complaints about the fees bodes well for this processor.

As a First Data reseller, Century Business Solutions has flexibility in its fee structure. In addition, its customization options leads to various contract terms. We can glean some information about Century's cost structure through a look at First Data's standard terms:

  • First Data offers multi-year contracts of various lengths.

  • An early termination fee of $495 applies.

  • The standard PCI compliance fee is $19.95.

  • Accounts with less than $50,000 in monthly activity pay 2.69% plus $.19 per swipe and 3.69% plus $.19 per keyed-in transactions.

  • Accounts with over $50,000 in transactions pay a rate of 2.29% plus $.19 per swipe and 3.29% plus $.19 per keyed-in transaction.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up To $495

PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

Century Business Solutions Contract & Terms

Clients can expect a multi-year contract with a termination fee. If Century charges any cancellation fees above New Data's standard $495 is unknown. Investigating this is worthwhile for new customers. Some payment processors have a "liquidated damages" clause, which holds you accountable for whatever the company lost due to the early termination.

In addition, it's important to carefully review the contract for additional rates and fees, such as gateway-, technical support and batch fees.




Contract Length

3 Years

Early Termination Fee

Up To $495

Century Business Solutions Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Century Business Solutions Complaints, Ratings & Reviews

Century Business Solutions have been accredited with the Better Business Bureau since May 2014 and is currently showing a grade of “A+" with 0 complaints in the last 36 months and 20 customer reviews.



A+(0 complaints)


4.5 Stars / 122 Reviews


3.4 Stars / Based on the opinion of 13 people


4 Stars / 7 Reviews


Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks