Electronic Cash Systems Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Companies of all sizes and low to moderate risk, looking to streamline their payment processing solutions with integrated hardware and software.

Specializes in

Providing a wide variety of terminals to suit individual merchant needs. They are a subsidiary of the US Alliance Group, which provides credit card payment processing from the transaction to the bank.

Pricing Summary

Setup Fee: $0

Monthly Fee: $9.50 Per Month

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $100 - $4,000+

Contract Terms:

3 Years
Visit Electronic Cash Systems

Established in 1997.

The CEO is Fadi Cheikha.

The home office is located in Rancho Santa Margarita, CA.

Electronic Cash Systems Overview


Founded back in 1997, Electronic Cash Systems started as a terminal provider and expanded from there. A decade later, with their company greatly diversified, Fadi Cheikha created the US Alliance Group and dropped Electronic Cash Systems to being a subsidiary.

The company has continued to expand and now works with merchants across the country, as well as involving themselves with several non-profit groups through Aiden’s Whisper. Through this branch of the company they support Vera’s Sanctuary, Joy to Kids, The Priority Center, and countless other groups.

Electronic Cash Systems continues to specialize in terminals as they work with Clover, DejaVoo, and First Data. They offer multiple devices from each company.

The company seems to have moderate complaints over their twenty-plus years of existence, although there are no recent complaints on the Better Business Bureau website for the past three years. There are two lawsuits in progress at the time of this article.

Quick Facts

Head Quarters

Rancho Santa Margarita, California

Year Founded



Fadi Cheikha



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Medical
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Electronic Cash Systems Products & Services


Hardware and Software

Payment terminals are the focal point of Electronic Cash Systems. For any service beyond the sale of terminals, they refer a merchant to one of their associated businesses.

They work with DejaVoo, Clover, and First Data. Electronic Cash Systems offers multiple devices from these three companies and a single device from Verifone and Miura.

The first three companies offer a range of devices including register terminals, mobile terminals, phone jack terminals, and credit card processors that are compatible with existing hardware.

It appears their software is limited to the system loaded on individual terminals and apps for phone payments.

Value-Added Services

Electronic Cash Systems offers a wide variety of services aimed at building a merchant’s business.

Gift and loyalty cards
Remote Deposit Capture
Cash advances
The Payment Connection

Supported Payment Types and Services

Electronic Cash Systems accepts most major payment types available at this time.

American Express
Debit Cards
Touchless Payment
Gift Cards
Loyalty Cards
ACH Payments
Electronic Checks

Electronic Cash Systems Payment Processing

  • ACH Check Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Electronic Cash Systems Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Electronic Cash Systems Advertising & Sales

Based on their website it is evident that they utilize independent sales agents. This could reflect on the number of complaints they have received over the years. Many of these complaints seem to revolve around early termination fees, which may not have been discussed by the sales agent at the time of signing.

The company participates in many community outreach non-profits. This could be part of the company ethos or it could be part of a good name advertising plan.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Electronic Cash Systems Pricing, Rates & Fees


There is no disclosure of cost for the terminals to be found on their website. An interested party would have to proceed with the contact forms before that information is revealed.

It is also not disclosed if the hardware can be purchased or if leasing is the only option. Based on complaints about early termination fees it can be deduced that leasing is the main way a merchant secures a terminal.

Early termination fees are the root of most complaints.

There is no mention in their literature of any other fees. However, it is safe to assume that there are fees involved with the leasing of the terminals.

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

$9.50 Per Month

Payment Gateway Fee


Batch Fee


Early Termination Fee

$100 - $4,000+

PCI Compliance Fee


Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Electronic Cash Systems Contract & Terms

There is no discussion of contracts. Based on the mention of leases in reviews it is evident that there are contracts. Furthermore, based on simple math it can be deduced that they offer a 48-month lease.

It is unknown whether this is the only term of the lease or if they offer different packages.

Contract Length

3 Years

Early Termination Fee

$100 - $4,000+

Electronic Cash Systems Setup & Support


It appears that setup time varies. Mobile payment processors can be set up as quickly as a merchant can download the app on their phone and enter the proper information.

Ordering terminals can take up to 14 days to arrive. It appears that they come fully loaded with the software, so the setup looks to be relatively fast once the terminal plugs into the POS system and boots.

There are two telephone numbers with clear directions for what type of support a merchant is seeking. There are no set hours on the contact page, so it may be possible that they have a 24-hour helpline available for customers.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Electronic Cash Systems Complaints, Ratings & Reviews

BBB Rating


There are no complaints filed within the past three years.

Other Online Reviews

There are multiple negative reviews to be found online, however, they seem to be sprinkled out over the company’s twenty-four-year history. Most of the reviews seem to revolve around the company’s early termination fees. These fees can be in the thousands of dollars.



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