ExpiTrans Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

ExpiTrans is suitable for small businesses, larger merchants, online businesses, and eCommerce vendors.

Specializes in

ExpiTrans is a merchant account provider specializing in the resale of contracts from other large processors, as well as creating agreements that best suit merchants’ needs. It also offers business and rate analysis when assisting clients.

Pricing Summary

Setup Fee: $0

Monthly Fee: $160

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $400

Contract Terms:

3 Years
Visit ExpiTrans

ExpiTrans was formerly known as Occent Merchant Services. It is based out of Santa Margarita, California. It employs over 350 people and is a larger-sized merchant account provider. It services a wide variety of clients, and resells large companies' plans to process their payments. It is a registered ISO of three different banks: Avidia Bank, Hudson MA; Wells Fargo Bank, N.A, Walnut Creek, CA; and Merrick Bank, South Jordan, UT.

ExpiTrans Overview


ExpiTrans is a contract reseller, merchant account provider, and fee analyzing company that tries to create both contracts and payment processing plans that suit your business. It claims to offer clients 24/7 live support and simplified fees for their convenience. Because it resells from four separate processors, it is difficult to find standard information surrounding ExpiTrans' regular fees or pricing models.

This can be attributed to these processors having different prices and contracts. It is likely that ExpiTrans uses either an interchange-plus or tiered-pricing model. Overall, it has a positive reputation amongst consumers with very few negative reviews. It doesn't have an industry focus, but rather services a variety of business types and sizes.

Quick Facts

Head Quarters

Rancho Santa Margarita, CA

Year Founded



Scott Vickers



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

ExpiTrans Products & Services


Point 1: Business Analysis and Competitive Processing Rates

ExpiTrans will analyze your business for you and afterwards offer competitive processing rates depending on what your model looks like. Many merchants may see this as a superior option since businesses can vary in the regularity of their revenue. Rates that are tailored to your business can be beneficial for companies with unique models, different products, or newer industries.

Point 2: EMV Chip Technology, Card Vault, Payment Types

ExpiTrans, like many merchant account providers, offers EMV Chip Technology. This is a secure method of payment processing introduced in 2015 that vastly reduces both credit and debit card fraud. It also provides a 'card vault’ and safe storage for details like credit card information. Finally, ExpiTrans can process different kinds of payments: mobile, ACH, debit, credit, and more.

Point 3: Fast Deposits, Security, Versatile Equipment Types

ExpiTrans offers expedited deposits, which can be useful for different types of merchants. If you have a business model with delayed payments or a unique structure for billing and revenue, getting that money as fast as possible is very useful. ExpiTrans also offers strong security and hardware to process payments.

ExpiTrans Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift Card Management
  • Merchant Cash Advance
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

ExpiTrans Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

ExpiTrans Advertising & Sales

ExpiTrans uses independent resellers and referral programs. Using independent resellers is often a red flag for many merchant account providers because it correlates to higher levels of complaints. Furthermore, independent resellers are often too disconnected from the parent company and engage in unethical sales practices to make commission or meet sales quotas.

ExpiTrans doesn't appear to have many complaints regarding this issue, which suggests that its independent sales agents use ethical practices.

ExpiTrans advertises itself as an open reseller of TSYS, First Data, Global Payments, and Chase Payment Tech. Many companies do not openly admit to this. There are few complaints about ExpiTrans on this topic.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


ExpiTrans Pricing, Rates & Fees


Because ExpiTrans is a reseller of four major processors, specific fee numbers are more challenging to pin down than usual. However, some information is available. Some merchants have reported a $400 early termination fee, a monthly minimum fee of $40, and other additional fees. The swiped rate and keyed-in rate are not disclosed, and neither is the PCI Compliance Annual fee. It can be assumed, based on the companies that ExpiTrans resells for, that its costs may fall in line with the general numbers those companies use.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

Up to 2.90% + $0.30

Monthly Fee


Payment Gateway Fee

Up to $25 Per Month

Batch Fee

Up to $0.10

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

ExpiTrans Contract & Terms

ExpiTrans resells for four significant processors. First Data commonly uses a three-year contract with an early termination fee of $250 or more. The specific terms and prices of each major processor are hard to pin down with specific detail. Many of the contract terms may vary. There are very few complaints about ExpiTrans' contracts, therefore it seems most merchants are satisfied with the agreement they are doing business under.

Contract Length

3 Years

Early Termination Fee


ExpiTrans Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

ExpiTrans Complaints, Ratings & Reviews

ExpiTrans has an overall positive online reputation. Its BBB rating is 2.33 out of 5 stars based on 3 reviews. It is not accredited by BBB and has 3 complaints closed in the last three years.

ExpiTrans has 4.6 out of 5 stars based on 129 Google Reviews. Most websites and organizations rank it highly. Out of the complaints and negative reviews that are registered, most merchants complain about overcharging, misrepresentation of fees, and other accounts of dishonesty from the company. These seem to be fringe cases, and therefore do not accurately represent ExpiTrans.

ExpiTrans has had no lawsuits filed against it, class-action or otherwise. While there are a few reported negative behavior cases by ExpiTrans, it appears to be an overall honest merchant account provider and a decent option for merchants.



B-(3 complaints)


4.5 Stars / 114 Reviews


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Total Online Reviews


Total Online Complaints




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