Pacific Payment Systems Review

Rates and Fees
80/100
Truth in Advertising
80/100
Consumer Reviews
85/100
Customer Support
90/100
4

Best for

Retail and ecommerce merchants in search of competitively priced payment processing packages.

Specializes in

Pacific Payment Systems specializes in offering personalized merchant services and state-of-the-art payment processing equipment for merchants in need of mobile solutions, POS systems, and payment gateways for their ecommerce websites.

Pricing Summary

Setup Fee: N/A

Monthly Fee: Variable

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Variable

Contract Terms:

3 Years
Visit Pacific Payment Systems

Pacific Payment Systems was founded in 2016 as a merchant account provider that offers its services to standard-risk merchants.

This company is a reseller for First Data and offers Clover POS systems.

Pacific Payment Systems is located in Livermore, California, and its registered agent is Nikolai Novak.

Pacific Payment Systems Overview

 

Pacific Payment Systems is a company that is headquartered in Livermore, California. It is a registered ISO of Wells Fargo Bank, N.A., Concord, CA and its registered agent is Nikolai Novak.

This company offers Clover products to retail merchants and others in need of POS systems, and it is partnered with First Data. Pacific Payment Systems has been around since 2016, and primarily focuses on working with standard-risk merchants.

The company website states that Pacific Payment Systems is focused on honor, integrity, and a strong commitment to their clients by doing business “the old fashioned way.” Its customer service team offers one-on-one support to its merchant customers.

Pacific Payment Systems can also provide payment gateway capabilities for ecommerce merchants, process MOTO payments, and offer mobile payment processing solutions as well.

Quick Facts

Head Quarters

30 Lindbergh Ave, Livermore, California 94551,

Year Founded

2016

CEO

Unknown

Employees

Unknown

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

Competitive priced payment systems.

Customer service team offers one on one customer support.

In addition to point of sales services, they offer multiple other services.

Accepts multiple forms of payments.

Does not work with independent sales agents or contractors.

What We Don't Like

No pricing and fee structure is on the website.

Early account cancellation is subject to a termination fee.

No indication how long it takes to set up accounts for payment.

Merchants in need of payment processing equipment will wait ten to fourteen days.

Customer service response to inquiries may take up to 24 hours.

Industries Served

  • Online Sellers

Business Types Served

  • Ecommerce
  • Mobile
  • MOTO
  • Online
  • Retail / Card Present

Pacific Payment Systems Products & Services

 

Hardware & Software

Pacific Payment Systems offers the entire suite of Clover products for POS systems, and merchants can choose from desktop systems, mobile card readers, and credit card terminals.

This company also offers payment processing solutions for ecommerce merchants. They have the option of choosing a payment gateway, or shopping cart integration with their existing platforms. The company website does not indicate what type of software is used for the company’s payment gateway.

Value Added Services

Because Pacific Payment Systems offers Clover products, it is also able to provide several additional services for its merchant customers. These services include:

Employee time clocks
Payroll services
Real-time data reporting
Inventory software
Schedule management software

There are no additional value added services offered for merchants that work with Pacific Payment Systems outside of what is available through Clover.

Supported Payment Types & Services

Merchants working with Pacific Payment Systems for payment processing will be able to accept many different types of payments, including:

Credit card payments (Visa, Mastercard, Discover, and American Express)
Debit card payments
Checks and electronic checks
ACH payments
Payments made from mobile wallets (Apple Pay, Samsung Pay, and Google Pay)

Additional payment options may also be available, depending on the type of equipment the merchant chooses.

Pacific Payment Systems Payment Processing

  • Cash Transactions
  • Credit Card Processing
  • Debit Card Processing
  • Mobile Commerce
  • Retail Payment Processing

Pacific Payment Systems Billing & Invoicing

  • Mobile Payments
  • Online Payments

Pacific Payment Systems Advertising & Sales

 
Pacific Payment Systems does not seem to work with independent sales agents or contractors to market its products and services. This company uses its website and other traditional marketing methods for this purpose.

The company website does not have any misleading or unethical information. It also does not make unrealistic guarantees to merchants regarding pricing.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Unknown

Pacific Payment Systems Pricing, Rates & Fees

 

There is no information available on the Pacific Payment Systems website regarding pricing and fees. This is most likely because the fees are set by individual sales agents according to a merchant’s risk level, business size, payment processing volume, and credit card processing history, among other factors.

It is very likely that merchants can expect to receive standard industry pricing with some customization for their individual businesses.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

N/A

Virtual Terminal Rate

N/A

Monthly Fee

Variable

Payment Gateway Fee

N/A

Batch Fee

N/A

Early Termination Fee

Variable

PCI Compliance Fee

Variable

Equipment Lease Terms

Variable

Address Verification Service (AVS)

Variable

Application Fee

Variable

Account Setup Fee

N/A

Gateway Setup Fee

N/A

Annual Fee

N/A

Monthly Minimum

Unknown

Statement Fee

N/A

Pacific Payment Systems Contract & Terms

Pacific Payment Systems offers a standard, three-year contract through First Data. These contracts typically have a built-in equipment lease from First Data Global Leasing. All merchants should receive a detailed list of prices on their merchant application document.

First Data requires merchants who choose to cancel their accounts early to pay an early termination fee, but the amount is not specified. Typically, this could cost as much as $500, or it could require the merchant to pay a percentage of the amount that is left on their contract.

Contract Length

3 Years

Early Termination Fee

Variable

Pacific Payment Systems Setup & Support

 

Pacific Payment Systems does not indicate on the company website how long it might take to get set up to accept payments. Typically, there is an underwriting process that must take place, and this can take a few days.

Most merchants should find that they are able to begin processing payments very quickly if they operate ecommerce businesses or use payment gateways. Merchants in need of payment processing equipment may need to wait up to 10-14 days for their hardware to arrive, but should be able to accept payments as soon as it does.

Pacific Payment Systems has two contact forms on its website; one for new merchants inquiring about services, and one for merchants who have questions about their current services. The website states that a member of the customer service team will follow up with the merchant within 24 hours.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Pacific Payment Systems Complaints, Ratings & Reviews

BBB Rating

Pacific Payment Systems does not have a profile with the Better Business Bureau.

Other Online Reviews

There are no online complaints or reviews for Pacific Payment Systems.


Ratings

BBB

N/A

Google

N/A

Facebook

N/A

Yelp

N/A

Reviews

Total Online Reviews

Unknown

Total Online Complaints

Lawsuits

Unknown

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