Omega Bank Card Services Review

Rates and Fees
95/100
Truth in Advertising
95/100
Consumer Reviews
95/100
Customer Support
90/100
4.7

Best for

Merchants who want a payment processing service with transparent pricing and a contract with no early termination fee.

Specializes in

Payment processing solutions, virtual terminal, payment gateway, POS software and hardware, basic terminals, mobile payment solutions, add-on payment processing services

Pricing Summary

Setup Fee: $0

Monthly Fee: $35 Per Month (Limitless Program Fee)

Swipe Rate: Interchange-Plus

Keyed-in Rate: Interchange-Plus

Early Termination Fee : None

Contract Terms:

3 Years
Visit Omega Bank Card Services

Omega Bank Card Services provides merchants with payment processing solutions, POS systems, and additional payment services. The company offers transparent pricing and is a reseller of services from First Data.

Omega Bank Card Services Overview

 

Omega Bank Card Services is a registered ISO/MSP of Wells Fargo. The company is based out of Concord, California, but does much of its business in the Georgia region. 

Omega Bank Card Services offers payment processing solutions, POS systems, and other payment solutions to merchants across a wide variety of industries. The company is a reseller of First Data services and offers POS solutions from Poynt and Clover.

The company stands out with its transparent pricing practices and fair contracts. Merchants who choose to utilize Omega Bank Card Services will know exactly what they pay per transaction upfront. The company favors a three-year contract but it doesn’t include an early termination fee in its terms.

Omega Bank Card Services also has exceptional online reviews. The company has received hardly any complaints and it has an A+ rating with the BBB.

Quick Facts

Head Quarters

Hiram, Georgia

Year Founded

2002

CEO

David Elkins - Co-Founder

Employees

20

Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Moving Companies
  • Personal Service
  • SAAS
  • Thrift Store

Business Types Served

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

Omega Bank Card Services Products & Services

 

Payment Processing Services


Omega Bank Card provides merchants with a variety of payment processing solutions. The company’s website claims that it provides a transparent pricing program with no set-up fee, no termination fee, and no strings attached.

The company does seem to back these claims up. It’s much more transparent about its processing fees than many others in the industry.

Merchants can choose between the company’s Unlimited Program and its Transparent Pricing Program. The Unlimited Program provides discounts when you process cash payments. Your yearly fees could be very low for these types of payments.

The Transparent Pricing Program is for credit and debit card processing. The company charges 0.05% + $0.22 per debit card transaction with its tiered pricing system. That rate goes up to 1.65% + 0.10 per transaction for rewards cards.

POS Solutions


Merchants can also get POS hardware and software solutions from Omega Bank Card Services. The company offers the Clover POS system and the Poynt POS system for you to choose from. It also provides basic terminals and options for mobile payments. 

There’s a lot of room to customize what you get from Omega Bank Card Services, which makes it possible for merchants to set up an ideal solution for their unique payment processing needs with the company.

Add-On Payment Services


Omega Bank Card Solutions also offers various add-on services that may appeal to some merchants. For example, the company provides:

  • Online ordering for restaurants

  • Business loans

  • Check guarantee services

  • Gift & loyalty cards

  • ATMs

Omega Bank Card Services Payment Processing

  • Check Guarantee
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Omega Bank Card Services Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing

Omega Bank Card Services Advertising & Sales

 
Omega Bank Card Services’ advertising practices are better than most of its competitors. The company claims that it is very straightforward about the prices that it charges merchants and it backs that up by actually doing that. That’s rarer than you might expect in the payment processing industry.

The company does appear to work with independent sales agents, which is often bad news for merchants who want a transparent sales process. But so far, Omega Bank Card Services hasn’t received any complaints about this online.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Yes

Omega Bank Card Services Pricing, Rates & Fees

 

Omega Bank Card Services’ pricing and fees are very straightforward. The company uses an interchange-plus pricing model with rates that vary based on the payment method that the customer used to buy something from you.

Your virtual terminal rates from Omega Bank Card Services can vary from about 1.89% + $0.23 to 2.90% + $0.30. The company also has a monthly minimum fee of $35, a monthly PCI compliance fee of $7.50, and an equipment lease cost of $9.95. But you will only pay the equipment lease cost if you want to lease equipment from the company.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate

Interchange-Plus

Keyed-in Rate

Interchange-Plus

Mobile Payment Rate

Virtual Terminal Rate

1.89% + $0.23 - 2.90% + $0.30

Monthly Fee

$35 Per Month (Limitless Program Fee)

Payment Gateway Fee

None

Batch Fee

None

Early Termination Fee

None

PCI Compliance Fee

$7.50 Per Month

Equipment Lease Terms

$9.95 Per Month

Address Verification Service (AVS)

Application Fee

Account Setup Fee

$0

Gateway Setup Fee

None

Annual Fee

None

Monthly Minimum

$10

Statement Fee

Omega Bank Card Services Contract & Terms

Omega Bank Card Services offers its merchants an industry-standard three-year contract. This comes with a flat fee processing plan that’s offered through First Data. One noteworthy aspect of this contract is that it doesn’t have any early termination fee. That’s exceptionally rare in the industry and is positive for merchants.

Contract Length

3 Years

Early Termination Fee

None

Omega Bank Card Services Setup & Support

 

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Omega Bank Card Services Complaints, Ratings & Reviews

Omega Bank Card Services has very few negative reviews online. The company also has an A+ rating with the Better Business Bureau. Based on the research that we’ve done, there’s nothing that you need to watch out for when dealing with Omega Bank Card Services. At least, nothing that previous customers have complained about online.

Ratings

BBB

A+ and has been Accredited since 2004. (0 Reviews; 0 Complaints)

Google

4.8 Stars / 63 Reviews

Facebook

5 Stars. Based on the opinion of 51 people

Yelp

N/A

Reviews

Total Online Reviews

100+

Total Online Complaints

<10

Lawsuits

None

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