Security Credit Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Security Credit Services is suited for businesses of any size, with an emphasis on the financial services and banking industry.

Specializes in

Security Credit Services (also called EquiPro Holdings) specializes in investments and purchases, both performing and non-performing account receivables.

Pricing Summary

Setup Fee: $0

Monthly Fee:  $20 - $60+

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $400+

Contract Terms:

1 Year 3 Years
Visit Security Credit Services

Security Credit Services was established in 1996, but rebranded to EquiPro Investments in 2018. The company is based out of Oxford, Mississippi, with offices in Oxford and Atlanta, Georgia. The rebrand, albeit seemingly and confusingly conveyed as that of ownership on the site, is positioned to have EquiPro Holdings be the face of the organization.

The 2018 rebrand was primarily the result of a brand modification strategy. Security Credit Services still has an account with the Better Business Bureau, wielding a largely negative base of reviews. The rebranded EquiPro Holdings doesn't currently have a BBB profile. 

EquiPro Holdings purchases non-performing and performing account receeivables, and has purchased over $13 billion in receivables. Security Credit Services is owned by EquiPro, according to the website.

Security Credit Services Overview


EquiPro Investments focuses mostly on the acquisition of loan portfolios for creditors. This can range from small to large, significant banks. They purchase receivables and have purchased more than $10B of delinquent and charged-off receivables. It has also partnered with more than 100 creditors. Services for their creditors range from credit cards to bank loans and specialty finance accounts.

EquiPro Investments uses data mining and analytics to make business decisions and manage all aspects of acquisition in the house.

Pricing for its products and services are not available on their website.

After researching EquiPro Investment's reputation online, the overall response is negative, with seven customer complaints.

Quick Facts

Head Quarters

Oxford, MS

Year Founded



Kaye M. Dreifuerst - President



Merchant Provider Risk Tolerance

What We Like

Services high-risk industries

What We Don't Like

Pricing not indicated on the website

Many negative reviews

Fraudulent Practices reported

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Debt Consolidation
  • Electronics
  • Gas Station
  • Moving Companies
  • Personal Service
  • SAAS
  • SEO & SEM Services
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Security Credit Services Products & Services


EquiPro Investments specializes in acquiring charge off and delinquent accounts. It acquires various credit types ranging from credit cards, bank loans to specialty finance accounts, and more. The company states that it uses analytics, historical knowledge, and other relevant data to review each potential acquisition of assets. 

Security Credit Services Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Online Payments

Security Credit Services Billing & Invoicing

  • Online Payments
  • Payment Processing

Security Credit Services Advertising & Sales

EquiPro Investments primarily markets to banks across the country and does not maintain independent sales agents to advertise its business. EquiPro Investments has over 85 complaints regarding products, advertising, and services. After closer inspection, most claims appear to gravitate towards signing cardholders up for an interest rate reduction without consent.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Security Credit Services Pricing, Rates & Fees


EquiPro Investments does not list prices and fees on their website. Based on another merchant review, pricing for services is listed below.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate


Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee

$20 - $60+

Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)


Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee


Security Credit Services Contract & Terms

The company indicates it offers a multi-year agreement with a cancellation fee. Merchants have the option of a 48-month non-cancellable equipment lease.

Contract Length

1 Year3 Years

Early Termination Fee


Security Credit Services Setup & Support


Setup Highlights

Support Highlights

  • Domestic Phone Support (Business Hours)

Security Credit Services Complaints, Ratings & Reviews

 Security Credit Services still has an account with the BBB that originated in November of 2008. It currently holds an A+ rating with the BBB and has 85 customer complaints and 7 customer reviews.

There are multiple complaints online regarding reporting credit inaccuracies, customers being brought to court for accounts not paid, fraudulent account claims, and more. There are many negative reviews online regarding Security Credit Services having a customer account and the customer not being aware. This account was transferred from another merchant to SCS, and the customer was unaware the account had been transferred leading to accounts in default reporting on their credit report. 

One lawsuit was filed with Security Credit Services (at the time) and its affiliate Security Card Services, two of three divisions that sit under Security Holdings LLC. In 2014, Security Credit Services was forced to pay $761,000 to consumers. This payment was to compensate them for fees that the FTC found to be deceptive.



A+ (85 complaints)


1.4 Stars / 55 Reviews






Total Online Reviews


Total Online Complaints





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