Vanco Payment Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Churches, religious organizations, municipalities, education.

Specializes in

Vanco Payment Solutions specializes in online payment processing, mobile payments, and text payment processing for different organizations, including religious ones and community organizations.

Pricing Summary

Setup Fee: $0

Monthly Fee: $10 to $49

Swipe Rate:  2.75% + $0.45

Keyed-in Rate:  2.75% + $0.45

Early Termination Fee : $0

Contract Terms:

Visit Vanco Payment Solutions

Vanco Payment Solutions is a larger company--with over two hundred employees, founded in 1998 as Vanco Services. The headquarters is located in Twin Cities, Minnesota, with an office in Atlanta, Georgia. It mainly services education-related-organizations, like schools and religious organizations, like churches. Most of the businesses it services are a low-to-mid risk.

Vanco Payment Solutions Overview


Vanco Payment Solutions is one of the larger credit card processing companies out there, servicing over 30,00 clients while processing $13 billion in transactions every year. It focuses mainly on virtual and online payments, highlighting mobile payments, text payments, and online payments as some of the main ways it processes payments. 

It has various payment options available for different-sized organizations and a customized plan that you can contact to work out if you have more specific precise needs. The two standard plans, ‘Start’ and ‘Sustain,’ cost $10 and $49 a month, respectively, with various other fees attached. It has been accredited on BBB for four years since 2016 and has a 5-star review attached. Most other sites and reviewers place it at 4 out of 5 stars at the minimum.

Quick Facts

Head Quarters

Twin Cities, MN

Year Founded



Shawn Boom



Merchant Provider Risk Tolerance

What We Like

Innovative text payment solution

Custom plans available

Online resources

What We Don't Like

Niche focus

No free hardware

Industries Served

  • Education
  • Educational Seminars
  • Hosting
  • Marketing Agency
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Web Design Services

Business Types Served

  • Information
  • Low Risk
  • Mobile
  • Non Profit
  • Online
  • Small Business
  • Subscription / Continuity

Vanco Payment Solutions Products & Services


Point 1: Online Payments, Mobile Processing, Text Payments

Vanco Payment Solutions offers a wide variety of different services for its merchants and customers. It offers easy online payments, mobile processing, and text payments, to start with. Online payments are designed to be fast and secure. its mobile payment system involves an app that you can customize to fit your church and your congregation, while text payments simplify the payment down to a few messages on your phone to make things as quick as possible for the average donator. You can also use it for various other services, such as organizing prayer and other virtual services online.

Point 2: Kiosks and GivePlus Software

Vanco Payment Solutions also offers POS-style equipment and software. It has kiosks that a church can purchase. These kiosks will have the church’s logo, colors, and branding while being instantly usable. Churches can use this to process donations, tithes, and event payments using Vanco’s GivePlus Software. It’s also capable of immediately emailing or printing a receipt. This Kiosk supports all major credit and debit cards.

Point 3: Swipe Card Reader 

Vanco Payment Solutions also has a simple card reader that organizations can use to process its payments. All the organization has to do is download the free app and plug the device into the audio jack of your device to process payments. It’s designed to be used with most smartphones or tablets and is compatible with both Apple and Android products. The Swipe card reader also runs off of GivePlus software.

Vanco Payment Solutions Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment

Vanco Payment Solutions Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Vanco Payment Solutions Advertising & Sales

Vanco Payment Solutions primarily services churches, so it does a lot of its marketing and advertising by partnering with faith-based organizations. It also partners with software companies. Vanco Payment Solutions has a team of sales agents that it uses to assist in the marketing and advertising of its services.

Pricing is relatively open and honest, available on its website. The two most common plans will suit smaller organizations and churches, and a customized plan is available for organizations with different needs.

Complaints are far and few between and difficult to locate. Most review sites state that Vanco Payment Solutions is an honest organization and presents everything upfront. It does not seem to use deceptive sales practices or other shady ways of gaining money from merchants without providing real service.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Vanco Payment Solutions Pricing, Rates & Fees


Vanco Payment Solutions has an open, clearly available pricing model for anyone to read. its basic plan, ‘Start,’ only charges $10 a month as a minimum fee and includes different additional fees for text payments, the Kiosk, and the card reader. These are also available with the ‘Sustain’ model, at $49 a month, but the difference comes in with the rates. 

Start offers a Debit/Credit Rate of 2.75%+$0.45 on every transaction and 1.00%+$0.45 on ACH processing. The Sustain version provides better rates, marginally: with 2.35%+$0.35 on debit or credit card transactions, and only 0.80%+$0.35 on ACH processing.

The cost of text processing is $5 a month. The card reader is a one-time fee, and the Kiosk is a one-time fee in addition to $29 a month.

Pricing at a Glance

Pricing Model

Swiped Rate

2.75% + $0.45

Keyed-in Rate

2.75% + $0.45

Mobile Payment Rate

Virtual Terminal Rate

2.75% + $0.45

Monthly Fee

$10 to $49

Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

$29 Per Month; $1,695 One Time Payment

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Vanco Payment Solutions Contract & Terms

Vanco Payment Solutions offers a month-to-month contract that continues indefinitely until canceled. As long as the merchant gives at least a 30-day notice that it will cancel the service, no additional fee will be taken from it. There was a case where a large termination fee was taken from a merchant, but this was refunded when the merchant claimed that It were never told about this fee being part of the contract. It is also possible it offers long-term contracts for high-risk businesses, but most should fall under the month-to-month agreement. Be careful and read your contract to be sure.

Contract Length


Early Termination Fee


Vanco Payment Solutions Setup & Support


Setup Highlights

  • Live Online (1-on-1)

Support Highlights

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

Vanco Payment Solutions Complaints, Ratings & Reviews

Vanco Payment Solutions has a 5-star rating from BBB, where it has one review and no complaints. Other sites often list it as 4 or 5 stars. Indeed has it listed as a 3.5 star. It has no other complaints listed, which is a good record for a company that services so many businesses. One complaint from over 30,000 clients is an excellent average. There are no known lawsuits, current or in the past, involving Vanco Payment Solutions. 

For such a large company, its record is outstanding. It’s hard to dig up any complaints or find an extensive, scathing review about it anywhere. Vanco Payment Solutions has an excellent reputation, and most see it as a clean, honest company.



A+(0 complaints)


2.6 Stars / 5 Reviews






Total Online Reviews


Total Online Complaints




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