Freedom Card Solutions Review

Rates and Fees
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Customer Support

Best for

Freedom Card Solutions is best for small to mid-sized low-risk businesses of many different industries.

Specializes in

Freedom Card Solutions (FCS) offers payment processing services for all major debit and credit cards and caters to many different industries, including eCommerce The company offers leases on both traditional and mobile POS equipment Fiserv. FCS also resells a payment gateway and virtual terminal solution from Fiserv Payeezy.

Pricing Summary

Setup Fee: $199 (Activation Fee)

Monthly Fee: $0

Swipe Rate: 1.99% + $0.39

Keyed-in Rate: 2.79% + $0.39

Early Termination Fee : $495+

Contract Terms:

3 Years
Visit Freedom Card Solutions

Since FCS is a reseller of Fiserv, it is an ISO/MSP of several banks, including BBVA USA, Birmingham, AL, Deutsche Bank G, New York, NY, Metabank, N.A, Sioux Falls, SD, MVB Bank, Fairmont, WV, and Wells Fargo Bank, N.A, Concord, CA.

According to the Better Business Bureau (BBB), FCS was started in 2016. The company has headquarters in Winter Park, Florida. Management of the company is listed as Morey Tarkeshia and Jeff Easter.

Freedom Card Solutions Overview


FCS was started in 2016. According to our research, FCS has been associated with other entities or is considered a rebranding of different businesses. FCS has been associated with Direct Processors, Merchant Consulting Group, National Card Solutions, Payment Systems Corporation, Performance Merchant Alliance, and United Card Solutions.

The company has offered a costly tiered pricing plan with a 3-year contract through Fiserv that included an early termination fee of $495. Furthermore, FCS offers long-term equipment leases with a 48-month duration. Both the long-term noncancelable leases and early termination fees have been a source of complaints against the company.

FCS hires independent sales teams and has received many complaints about its sales tactics.

FCS is not accredited with the BBB. However, the company is rated by the bureau with an F rating. The company had eight complaints in the last three years and no complaints in the previous 12 months. Although it may seem that the company is improving on its compliant record, FCS continues to receive complaints from merchants about their payment processing services, long-term noncancelable equipment leases, and the constant back and forth with the company’s support staff.

Quick Facts

Head Quarters

Winter Park, Florida

Year Founded



Jeff Easter - Business Consultant



Merchant Provider Risk Tolerance

What We Like

Leases on traditional and mobile and point of service equipment are provided.

Resells a payment gateway and virtual terminal solution.

No payment gateway fee.

Provides domestic telephone support during business hours.

Live one on one online support is provided.

What We Don't Like

There is a setup fee.

Three year contract.

An early termination fee does apply.

Tiered pricing plan.

The equipment lease is forty-eight months.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Healthcare
  • Marketing Agency
  • Personal Service
  • Property Management
  • SAAS
  • Thrift Store

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • Low Risk
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

Freedom Card Solutions Products & Services


Payment Processing: FCS is a reseller of Fiserv's payment processing services. The company caters to small and mid-sized businesses for many different industries.

Point of Sale (POS) – The company offers traditional and mobile POS terminals to accept magstripe credit card payments via equipment leases through Fiserv's Clover POS.

Payment Gateway and Virtual Terminal – FCS resells a payment gateway and virtual terminal solution from Fiserv Payeezy.

Freedom Card Solutions Payment Processing

  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Freedom Card Solutions Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Freedom Card Solutions Advertising & Sales

FCS has had many complaints against it on different forums and review sites, mainly around the company's sales staff and their efforts to close sales. The company sales teams have been faulted for quoting the low qualified rates of the company's tiered pricing but not the mid-qualified or non-qualified rates. Another complaint has been that the company sells equipment leases of 48-month durations usually packaged with payment processing, often not readily disclosed by their sales staff.

The company hires independent sales teams and has received many complaints about its sales tactics. ISOs are often short-term staff with high turnover. These independent contractor roles are seldom provided sufficient training to build relations over the long term. Such teams also don't have the proper incentive alignment to protect the company's image, focusing instead on quick and expensive sales targets.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Freedom Card Solutions Pricing, Rates & Fees


FCS has offered expensive tiered pricing 3-year contracts through Fiserv.

Swiped Rate – 1.99% + $0.39

Keyed-in Rate – 1.99% + $0.39

Virtual Terminal – 1.99% + $0.39

Contract term – Three years

Early termination fees – $495

PCI compliance fee – $150/year

Batch Fee – $0.20

Activation fee – $199

Monthly Minimum fee – $25

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.99% + $0.39

Keyed-in Rate

2.79% + $0.39

Mobile Payment Rate

Virtual Terminal Rate

2.79% + $0.39

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$150 Per Year

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee

$199 (Activation Fee)

Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

$13 monthly

Freedom Card Solutions Contract & Terms

FCS is a reseller of Fiserv's merchant processing services with a three-year contract and an early termination fee of $495. The company also offers expensive POS equipment leases locked in for four years.

Our recommendations to merchants is to never lease POS equipment. Instead they should buy the terminals directly or rent it if they are not able to spend the upfront outlays. Leasing equipment ends up costing merchants thousands of dollars that is merely a few hundred dollars.

Contract Length

3 Years

Early Termination Fee


Freedom Card Solutions Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Freedom Card Solutions Complaints, Ratings & Reviews

FCS is not accredited with the Better Business Bureau (BBB) and has an F rating. The company has had eight complaints in the three years and zero complaints over the past year.

We did not find any outstanding lawsuits or FTC complaints against the company.



F and is not BBB Accredited. (3 Reviews; 10 Complaints)




2 Stars. Based on the opinion of 4 people




Total Online Reviews


Total Online Complaints




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