Company Overview
1st American Card Service is a merchant account provider that was established in 1986. The company is a reseller of Paysafe (formerly iPayment) and appears to also operate under the name of AcceptCards.org. However, the company advertises interchange-plus rates that vary from the standard pricing of Paysafe. 1st American Card Service is a registered and authorized ISO for Visa and MSP for MasterCard and is sponsored by Westamerica Bancorporation as its Acquiring Bank.
As of 2020 1st American Card Service's Better Business Bureau profile no longer lists a website, and the original URL 1stAmericanCardService.com now forwards to acceptcards.org. This seems to indicate a scaling down of the brand overall or a renaming to the Accept Cards name. The Accept Cards website does link back to the original 1st American Card Services BBB profile.
UPDATE:1st American Card Service appears to have gone out of business altogether or is no longer operating a web presence. If you have any information regarding the company’s operational status, please leave it in the comment section below.
Based in California
1st American Card Service could potentially be confused with First American Payment Systems in search results, but merchants should note that the 2 companies are unrelated. 1st American Card Service is located at 27890 Clinton Keith Rd Ste D492, Murrieta, CA 92562-8571. Brian Roemmele is the CEO of 1st American Card Service.
1st American Card Service Review Table of Contents
- Costs & Contract: 1st American Card Service offers interchange-plus pricing through a month-to-month contract with no early termination fee and its own proprietary virtual terminal service.
- Complaints & Service: 1st American Card Service has received more than 10 public complaints.
- BBB Rating: 1st American Card Service has an “A+” with the Better Business Bureau and has received 0 complaints and 1 review in the past 3 years.
- Sales & Marketing: 1st American Card Service does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
Ruth
I have been with this company for eight years now. Suddenly Customer Service just stopped.
No return phone calls. Tried for ever. No curtesy back call.. Stay away from them.
Also the rates now suck. You can get better elsewhere.
Judy
Less than zero. Never call back. Can’t even get qustions answered to complete an application.
This post will help: Best E-Commerce Merchant Accounts
-Phillip
John B
Not sure how this company was given a 5-star review. I gave them a couple months of my processors statements and the comparison they sent back was ridiculous. They literally fabricated numbers to say they were going to save me $26,000 a year which was absurd. When I called and asked them to explain how they arrived at these savings and where they got the numbers (we were paying 0.45% over interchange for all card types) they said they’d look into it and never responded. Now a get a weekly junk email asking me to complete my sign-up process with them and they have had to mark them as spam.
Mike Edwards
We love 1st American Card Service. Have been with them for 8 years. We now have 7 businesses with them going on 8 as of today.
I have been trough many accounts before them and get solicitations daily, nothing has come close. They are prompt and always do what they say.
CPO
Hi Mike,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
BRIAN HART
I still use 1st American, although I’m not happy with them and i will be switching. Like others have stated they never get back to you when they say they will if at all.. I requested a credit card reader for my phone, they sent me four- which they charged me and they shouldn’t have, plus they opened up another account which should not have happened as well and of course they charged me for that. On top of that the credit card reader did not work properly! I have complained to Laura, and Brian- the owner of the company about the issues and tried to get my money back with NO response.
Michael Kern
While we were with First American Card Services we received good service. The problem came when we decided to switch processing companies. We contacted them 7 times over 2 months requesting our account be closed. At one point the rep documented my complaint to send to a supervisor. On my 6th call the rep asked why I was calling – my account was closed. We just received a statement billing us for yet another month. Call 7 was today. I was finally sent an account closure form. I have zero faith they will follow through and close my account…
JD
This is the worst establishment I have ever dealt with! They never return phone calls the operators are rude and they keep giving you the running around. Example hi could I speak to such and such person their not available they can call you back in thirty minutes and never do!!! They were suppose to set up my funds so they can go to my bank account and I’m steal waiting meanwhile my funds are going to the previous owner. Absolutely ATROCIOUS COMPANY.Save the headache and go with someone else….
Trish
I made the mistake of requesting information and they have hounded me and hounded me. Numerous attempts requesting them to remove me from their email list have failed. Be very wary of this type of a company who cannot respect a simple request to not be contacted.