U.S. Card System's products and services suit small- and medium-sized businesses needing both point of sale (POS) and virtual terminal payment options. Restaurants, retail, and other high-volume payment businesses benefit from efficient processing and reconciliation capabilities.
This payment processor specializes in fraud prevention, "card-not-present" processing, automated reconciliation, POS, and virtual processing that integrates with clients' current payment systems. In addition to rapid processing, U.S. Card Systems offers streamlined employee scheduling and inventory management, as well as automated business reports and marketing data capture.
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: 2.90% + $0.30
Keyed-in Rate: 3.30% + $0.30
Early Termination Fee : $250 - $1,000+
U.S. Card Systems, Inc. is a Worldpay reseller that provides full-service merchant card processing. Its offerings include reconciliation, employee compensation, automated transfer of merchant funds, installation, and training.
The company is a registered ISO/MSP of Fifth Third Bank, National Association of Cincinnati, Ohio.
U.S. Card Systems bases its operation in Brainard, Minnesota. It ranks as a medium-sized payment processor reseller, serving approximately 60,000 clients. The company utilizes Worldpay as its backend processor, so before signing up with U.S. Card Systems, potential customers should be comfortable with the Worldpay suite of products and services.
This payment processor prides itself on security and fraud prevention, which is no idle boast. U.S. Card Services has earned PCI's Level 1 certification, the highest possible designation. It meets 100% of the security council's criteria, making it an ideal processor for virtual payments, where fraud is most prevalent, as well as high-volume businesses that routinely process thousands of payments per week.
U.S. Card Systems also offers a sophisticated gift card program. The company provides user-friendly programs for creating gift cards with unique logos and custom-designed cards in addition to processing capabilities. Automated customer data capture and detailed marketing reports make targeted gift card distribution effective from a conversion standpoint.
The company's headquarters is listed as 17163 State Highway 371, Brainerd, Minnesota 56401. According to the Better Business Bureau (BBB), as of January 2021, Brent Kramer serves as President. U.S. Card System's telephone number is listed as 1-866-USCARDS (1-866-872-2737).
Merchant Provider Risk Tolerance
Top rated data security
Automated data capture with analytics reports
No set-up fee
Customizable gift card and loyalty programs
Three-year Worldpay contract required
"Liquidated damages" for early contract termination
Heavy telemarketing campaigns
U.S. Card Systems provides terminal-based solutions and point-of-sale applications, including electronic cash registers and software. Services include credit card processing, equipment sales and leasing, ACH processing, and eCommerce payment processing.
Hardware and Software
As a Worldpay reseller, U.S. Card Systems provides a large selection of hardware and software options that are varied enough to meet most businesses' needs. Some of its payment terminals, which are available for purchase or lease, include the following:
Some equipment provides traditional payment terminal functionality, such as the Verifone VX520. Others offer new era capabilities, including the Ingenico iCT250, which can process new payment methods. Some also provide a combination of dial-in, Wi-Fi, and ethernet connections, such as the Dejavoo Z8.
The new era calls for more diversity in payment acceptance, and U.S. Card Services stands on the cutting edge. It can take payments from any device, including Smartphones and tablets. This is great for eCommerce. No special equipment is needed to accept payments from anywhere from any source.
Its systems are also customizable, allowing you to create the payment processing infrastructure that best suits your business. U.S. Card Services offers consultation services to help customers define the best set-up for their unique enterprise.
Clients also benefit from a robust reporting system, which allows them to gain a bird's eye view of payment activity or drill down on specific areas. Also, they can manage payroll and inventory through a streamlined process.
Supported Payment Types
U.S. Card Services supports all mainstream payment types, including credit- and debit cards, ACH payments, checks, and recurrent payments. Its website does not indicate if it accepts bitcoin.
Discloses All Important Terms
Public Pricing Available
As the backend processor, Worldpay also exercises control over the rates. Though U.S. Card Systems has some flexibility in its rates, most customers can expect the costs to be close to the Worldpay standard, which is 2.90% plus $0.30 for swiped transactions and 3.30% plus $0.30 for those that are keyed-in. However, many merchants say they received lower rates by going through U.S. Card Services than available through Worldpay directly.
U.S. Card Systems can adjust prices, so it is advisable to negotiate with the company to get the best deal, especially if comparison shopping with several payment processors.
Interchange PlusTiered Pricing
2.90% + $0.30
3.30% + $0.30
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
$250 - $1,000+
PCI Compliance Fee
$20 Per Month
Equipment Lease Terms
48 Month (locked)
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
U.S. Card Systems has a three-year standard contract through Worldpay. An early termination fee of $250 applies, as does a $199 annual fee and $20 PCI non-compliance charge. The company appears to not charge liquidated damages on its standard contract unless there is an equipment lease involved.
This payment processor resells WorldPay equipment leases. When a lease is involved, liquidated damages may apply to early termination. Liquidated damages are the total amount the company loses as a result of the early termination.
Early Termination Fee
$250 - $1,000+
The company has enjoyed accreditation by the BBB since April 2010. It has obtained an A+ grade, making it a top-rated payment processor. Customers have submitted no positive reviews and one complaint.
Customers liked the fast approvals, available customer support, and setup process. Many took advantage of the robust payment capabilities, allowing them to process payments from almost any source and device type.
Any negativity seems to stem from the WorldPay contract and service, which U.S. Card Services, as a reseller, has no direct control. The contract terms are not out of line with the industry average. Owing to its excellent product selection and service, we give U.S. Card Services an above-average rating.
4.6 Stars / 72 Reviews
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