Small to medium-sized businesses, retail, service industries, and more.
Great American Payment Systems focuses on providing fully integrated payment processing for industries like retail, repair, food, salons, and other kinds of small to medium-sized businesses. It offers online processing, mobile, POS, and different types of processing.
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: 2.69% + $0.19
Keyed-in Rate: 3.69% + $0.19
Early Termination Fee : Undisclosed
GAPS is a registered ISO of Wells Fargo Bank, headquartered in Lisle, Illinois. It mainly services retail and service industries, providing fully integrated payment processing to these businesses. It was founded in 2006 and currently employs 66 people.
Great American Payment Systems Inc. is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.
Great American Payment Systems is a national merchant service company serving small to medium-sized businesses throughout America. For over 14 years GAPS has helped small to medium-sized companies continue to increase sales, accounts receivables, and traffic flow. GAPS Is proud to be a leading reseller for Clover business solutions. C
lover combines flexible cutting edge point-of-sale software, more than 300 apps, and a variety of hardware options (Clover Station, Clover Mini, Clover Mobile, and the all-new Clover Flex to deliver the most powerful, yet affordable, Business Management solutions allows merchants a business management control system that simplifies a merchants business. For the first time, merchants can track inventory, manage employees, build lasting customer relationships, and accept payments with one simple solution.
George A Passias
Merchant Provider Risk Tolerance
Point 1: Online Gateway, Recurring & Paperless Billing
Great American Payment Systems offers an online gateway platform, in addition to recurring and paperless billing. This will allow most traditional companies a secure way to process payments. Suppose the company has a subscription service or any repeated billing. In that case, this system will also allow it to enable that kind of processing to charge customers monthly. Paperless billing is more and more useful in modern business. Many customers prefer to be billed paperlessly, and this kind of service will accommodate that desire.
Point 2: Debit and Credit Card Processing, Secure EMV Chip Processing
It also offers traditional debit and credit card processing, but GAPS likes to do it through secure EMV chip processing. This kind of processing is far more secure than a generic magstripe swipe card, which can be logged by inexpensive card readers and used by criminals for credit card fraud. With a dynamic confirmation of payment that adds a layer of security, EMV chip processing is more secure than most forms of traditional credit card processing. This kind of service might be more desirable to merchants who have businesses that are especially vulnerable to fraud attempts.
Point 3: Contactless Payment & POS Equipment
Contactless payment has become a must for some people, and Great American Payment Systems offers it as part of its service. It also provides up-to-date POS equipment that can handle different kinds of processing and comes with apps. It offers POS equipment in the form of a handheld terminal, a tablet, or a more traditional terminal that resembles a PC in its appearance. This POS equipment can offer contactless payment, Google Wallet, Apple Wallet, mobile and online payments, and other ways of processing cards.
Discloses All Important Terms
Public Pricing Available
GAPS doesn't have a transparent pricing model. You must register to be able to view its contracts. As a reseller of First Data, however, it can be assumed that it uses similar rates to First Data and uses a longer-term deal with an early cancellation fee. Most of the other expenses that it may charge a merchant should be industry standard, like a $19.95 a month PCI Compliance fee, for example.
2.69% + $0.19
3.69% + $0.19
Mobile Payment Rate
Virtual Terminal Rate
3.69% + $0.19
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
$19.95 Per Month
Equipment Lease Terms
48 Month (locked)
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
Great American Payment Systems most likely offers a multi-year contract with a termination fee that varies depending on several factors. As a reseller of First Data, as many credit card processing companies are, the contract's exact terms might be changed but are probably similar to many of the terms it offers through its resellers. The precise terms are not available to the public.
Early Termination Fee
GAPS tends to have positive reviews from customers. It has been accredited for 14 years on the BBB, with one closed complaint and one five star review. On websites that feature testimonies about employees, GAPS tends to feature positive reviews from employees as well. The protests that are featured tend to revolve around shady hiring practices and some negative experiences with some of the employees who oversaw the company's process.
No lawsuits involving Great American Payment Systems can be located. Overall, the company's attitude and perception appear to be positive, without too many issues, and the complaints that people do have relate to hiring. None of the complaints were leveled against the side of the business that a merchant would interact with.
4 Stars / 53 Reviews
5 Stars / Based on the opinion of 1 person
2.5 Stars / 5 Reviews
Total Online Reviews
Total Online Complaints
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