Prestige Payment Systems Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small storefront and e-commerce businesses

Specializes in

POS and online transaction processing with Interchange-Plus pricing

Pricing Summary

Setup Fee: $0

Monthly Fee: $15 “help desk” fee

Swipe Rate: 3.25% + $0.09

Keyed-in Rate: 3.25% + $0.09

Early Termination Fee : $250

Contract Terms:

3 Years
Visit Prestige Payment Systems

Prestige Payment Systems is a merchant account provider that was founded in 2006 but does not appear to be active anymore. While operational, the firm faced a high number of customer complaints about its misrepresentation of contract terms and aggressive sales tactics.

Prestige Payment Systems is reported to be doing business under several different business names on top of being an official DBA of National Payment Systems, LLC. As of present, the firm appears to be fully dissolved with some of its former managing members now operating a new payment processing company by the name of Freedom Card Solutions.

Prestige Payment Systems Overview


Prestige Payment Systems is a merchant account provider that resells the payment processing contracts of First Data. The firm has been active since 2007 and is headquartered in Portland, Oregon. 

Prestige Payment Systems currently has an estimated 20 employees and Brad Law is listed as the company's current Managing Member. Brad Law and the firm's DBA manager, Jonathon Beckam, are believed to have started a new joint payment processing venture called Freedom Card Solutions. 

There is some ambiguity around the official branding of Prestige Payment Systems. On one end, two of the firm's executives operate the new joint venture, Freedom Card Solutions. On the other end, online sources indicate that Prestige Payment Systems is also operating under the names “National Card Solutions,” “Direct Processors," and “United Card Solutions."

Prestige Payment Systems itself is a DBA of National Payment Systems, LLC. As a reseller of First Data contracts, it is believed that the firm operates under various brandings to effectively target different merchant markets. There appears to be no official website for Prestige Payment Systems at this time.

Quick Facts

Head Quarters

Portland, Oregon

Year Founded



Brad Law - Managing Member



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

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

Prestige Payment Systems Products & Services


Prestige Payment Systems does not have an active website, which indicates that the firm has likely stopped doing business under this name.

While it was active, Prestige Payment Systems offered payment processing services for storefront (POS) and online transactions. The firm also offered merchants the option of Interchange-Plus processing. 

Interchange-Plus pricing is typically seen as the best pricing option for merchants as it typically results in the lowest rates and highest transparency for transaction fees.

Prestige Payment Systems Payment Processing

  • ACH Check Transactions
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Prestige Payment Systems Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Prestige Payment Systems Advertising & Sales

Prestige Payment Systems, when active, would employ both telemarketers and independent sales agents to market its services. Telemarketers and independent sales agents are typically viewed as two of the most problematic marketing tactics for merchant processors. Firms that use them often face large complaint numbers due to aggressive sales tactics and misrepresentation of sales terms.

Prestige Payment Systems upholds this trend with numerous complaint threads and negative Google reviews. These reviews accuse the firm's sales team of showing rude behavior, incomplete documentation at the time of signing, and not fully diclosing fees. 

Potential merchant clients are advised to thoroughly review their contract’s terms before entering an agreement. As an additional precaution, merchants should work with a trusted sales rep when signing up for service.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Prestige Payment Systems Pricing, Rates & Fees


Prestige Payment System's fees include:

  • $150 PCI Compliance Fee, 

  • $50 Annual Fee, 

  • $15 monthly "Help Desk" Fee,

  • $10 monthly Statement Fee

The firm advertises both Tiered and Interchange-Plus pricing, however, most of its contracts include a flat processing rate of 3.25% + $0.09 per transaction. 

Prestige Payment Systems also advertised POS equipment leases but those rates and fees can vary significantly depending on the merchant’s size and industry. It’s important to note that POS equipment leases are typically much more expensive than purchasing the equipment outright. 

eCommerce merchants can expect additional fees associated with using Prestige Payment System’s online payment gateway. The most common eCom fees are Gateway Fees, Technical Support Fees, and Batch fees.

Pricing at a Glance

Pricing Model

Interchange PlusTiered PricingFlat Rate

Swiped Rate

3.25% + $0.09

Keyed-in Rate

3.25% + $0.09

Mobile Payment Rate

Virtual Terminal Rate

1.00$ + 4.99%

Monthly Fee

$15 “help desk” fee

Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$150 Per Year

Equipment Lease Terms

48 Month (locked); $50 - $77 Per Month (Lease Costs)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

$50 - $197 Per Year

Monthly Minimum

Statement Fee

Prestige Payment Systems Contract & Terms

A standard contract with Prestige Payment Systems is a three-year agreement with an undisclosed Early Termination Fee (ETF). Online complaints from merchants who have signed up with Prestige Payment Systems indicate an ETF of $250.

Contract Length

3 Years

Early Termination Fee


Prestige Payment Systems Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Prestige Payment Systems Complaints, Ratings & Reviews

Prestige Payment Systems is not accredited with the BBB and maintains a 1/5 rating on its BBB profile (based on 5 customer reviews.) 

The BBB issues a "pattern of complaint" alert on November 17, 2017 to inform users that Prestige Payment System's sales representative would claim low rates and guaranteed savings when, in practice, merchant clients paid significantly more than stated.

As of present, the firm’s BBB profile also shows 16 active customer complaints with 2 complaints closed in the last 12 months. 



NR and is not BBB Accredited. (6 Reviews; 17 Complaints)


1.2 Star / 49 Reviews




1 Star / 7 Reviews


Total Online Reviews


Total Online Complaints




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