In this review of US Card Systems, we will provide a detailed overview of the company's payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We will discuss the pricing structure, contract terms, and customer feedback to give you a clear understanding of what US Card Systems offers. Additionally, we will examine the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a comprehensive understanding of whether US Card Systems meets your business's payment processing needs.
About U.S. Card Systems
Located in Brainerd, Minnesota, U.S. Card Systems is a merchant account provider that claims to serve thousands of customers nationwide. The company utilizes Worldpay as its backend processor.
U.S. Card Systems processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS integration, MOTO, e-commerce solutions, mobile processing, access to virtual terminals, data reporting and analysis, and gift card programs.
EMV Card Readers and Swipers
U.S. Card Systems provides EMV card readers and swipers to help businesses process secure, chip-enabled transactions.
POS Integration
The company also offers POS integration services, allowing businesses to seamlessly incorporate payment processing into their existing point-of-sale systems.
MOTO
For businesses that handle transactions via mail order or telephone order (MOTO), U.S. Card Systems offers specialized solutions.
e-Commerce Solutions
In the digital realm, U.S. Card Systems provides e-commerce solutions designed to facilitate secure online transactions.
Mobile Processing
Mobile processing services are another key offering from U.S. Card Systems. These solutions allow businesses to accept payments on the go for those operating in non-traditional or mobile environments.
Virtual Terminals
Virtual terminals are available for businesses that need to process payments without a physical terminal.
Data Reporting and Analytics
U.S. Card Systems also offers data reporting and analytics tools to help businesses better understand their transaction data.
Gift Card Programs
Lastly, the company provides gift card programs that allow businesses to create and manage their own gift card offerings.
U.S. Card Systems Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
<10
Live Customer Support
Yes
Most Common Complaint
N/A
Varied Reviews with a Positive Lean
While we’ve come across a few negative U.S. Card Systems reviews outside of the BBB, these complaints do not allege any fraudulent activity or scamming. Notably, there’s a larger volume of positive feedback highlighting the company’s services. We encourage readers to share their own U.S. Card Systems experiences in the comments below.
U.S. Card Systems Lawsuits and Fines
There are no ongoing class-action lawsuits or FTC complaints against U.S. Card Systems. For dissatisfied merchants seeking resolution, reporting concerns to relevant supervisory organizations is advised.
U.S. Card Systems Customer Service Options
While some complaints have surfaced regarding the responsiveness of U.S. Card Systems’ backend processor, it’s worth noting that most grievances seem directed towards Worldpay, the backend processor. Despite this, U.S. Card Systems offers a general phone line and support email address on its website. While it’s not among the top-rated processors for customer service, it garners an “A” rating in this category.
U.S. Card Systems Online Ratings
Here's How They Rate Online
Online Ratings Summary
Total BBB Complaints
1
Resolution Rate
100%
Complaints Resolved
1
Under 5 Complaints
The Better Business Bureau currently awards U.S. Card Systems an “A+” rating and has granted the company accreditation since 2010. The company’s BBB profile has received 1 complaint in the last 36 months. The 1 complaint was resolved to the satisfaction of the merchant.
What Merchants Say
U.S. Card Systems has also received 3 informal reviews. All 3 reviews are positive in tone. A previous negative review accuses the company of changing rates without warning and poor customer support:
I really liked these guys. In 2009 they arranged for credit card processing rates for my business that were based on the actual interchange rates set by Visa & MasterCard plus a fixed percentage. That fixed percentage began at 0.12%. In June of 2010 they lowered that percentage to .06%. I went happily along until October of 2018 **** * *** * **** ********** **** ** ***** ***** That’s when I discovered we were no longer being charged actual interchange rates. ***** ****** ** *** ** **** ** *********** ***** ****** *** *************************************************************** * ********* **** ******* ** ** **** ******* ***** ** ********** He blamed it on the actual credit card processor ******** and told me he would help. In January of 2019 the overcharges ended and we have been returned to actual interchange pricing plus 0.06%. Hooray! The problem that remains is the period of October 2014 thru December 2019 where we overcharged in the neighborhood of $20,000. I’ve been unable to decipher some of the credit card “type codes” on some of our monthly statements. For those un-deciphered “card types”, I have no idea what the correct interchange rate should be. On the codes I was able to locate, I found $20,193.95 of overcharges. US Card Systems blames ********. When I called ******** they told me all our rates are determined by US Card Systems. In August ******** said they would ask US Card Systems to do a rate review. I’ve called US Card Systems regularly to talk about this review. The receptionist, is nice but no one is ever available and no one returns my calls. I hope you can help me get their attention. I’d also recommend that any business that believes they are getting interchange rates check their statements and look up interchange rates on line.
This merchant would have been better served by a processor with a reputation for excellent customer support.
An “A” Rating
In light of the company’s low complaint total and accreditation status, we agree with the BBB’s rating.
U.S. Card Systems Fees, Rates & Costs
A Closer Look at The Contract
Cost & Fees Summary
Cancellation Penalties
Yes
Monthly & Annual Fees
Yes
Processing Rates
1.00% - 4.99%
Three-Year Agreement
U.S. Card Systems’ typical contract is a three-year arrangement through Worldpay (formerly Vantiv), incorporating a $250 early termination fee, an annual fee of $199, and a $20 monthly PCI non-compliance fee. Additionally, there are indications that U.S. Card Systems may offer long-term, non-cancellable equipment leases with significant early termination penalties akin to liquidated damages.
Given Worldpay’s role in back-end processing, U.S. Card Systems’ rates for merchants could reflect a variation of Worldpay’s pricing. Worldpay’s standard contract generally involves rates of 2.90% plus $0.30 for swiped transactions and 3.30% plus $0.30 for keyed-in transactions. However, direct sign-ups with Worldpay may result in higher rates and longer contracts than through a reseller.
Virtual Terminal and Payment Gateway Pricing
In its portfolio, U.S. Card Systems also includes virtual terminal and payment gateway services, although their pricing details are not clearly disclosed. It’s reasonable to expect additional fees for these services, such as gateway fees, technical support fees, batch fees, and extra transaction rates, especially for e-commerce services.
Industry-Standard Pricing
The pricing terms of U.S. Card Systems align with industry norms but have led to a number of public complaints. Main concerns among merchants revolve around the early termination fee and ongoing monthly charges. Merchants seeking more favorable terms may consider switching to a low-cost payment processor. For more insights or specific details about U.S. Card Systems’ standard contracts, including any PCI compliance fees or monthly minimum fees, contributions in the comment section are welcomed.
U.S. Card Systems Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
Employs Independent Resellers
Unknown
Advertises Deceptive Rates
No
Discloses All Important Terms
No
U.S. Card Systems Sales Approach
U.S. Card Systems appears to utilize telemarketing, in-house sales, and traditional advertising to market its services. It is unclear at this time whether the company employs independent sales agents, but we have found two negative U.S. Card Systems reviews that mention aggressive telemarketing tactics and nondisclosure of the company’s contract length and cancellation fees. These U.S. Card Systems complaints appear to be isolated incidents rather than widespread issues, so they will not impact the company’s score too severely in this category.
To its credit, U.S. Card Systems does not advertise any misleading rate quotes or unrealistic guarantees in its official materials. However, if you find undisclosed fees within the contract you signed, we recommend renegotiating your pricing immediately.
Our U.S. Card Systems Review Summary
Our Final Thoughts
U.S. Card Systems rates as a decent merchant services provider based on all available information. Although the company has received a handful of complaints regarding contract terms through Worldpay, these grievances do not appear to originate directly with U.S. Card Systems. Merchants should request and thoroughly review all contract terms before committing to service. They should also compare U.S. Card Systems’ pricing to top overall providers to ensure they receive the best value.
Contact U.S. Card Systems
Support & Contact Information
Title / Label
Information
President
Brent Kramer
Address
17163 State Highway 371, Brainerd, Minnesota 56401
I have been a long time customer of US Card systems A+ on customer service and equipment.
GRACE SCHUMANN
Stitch N Sew Cottage
US Card Systems has serviced my business for many years. Thanks to them for looking out for my best interest. Consulting with me to keep fees down.
Sarah Torkelson
I understand this a legitimate business, but please stop calling! I have received a call 4 days in a row from this company. If our company is interested in your business someone would have called you back. This is harassment and not appreciated.
Charlene Anderson
I recently have had the pleasure in dealing with US Card Systems for the 1st time and I must say it has been a pleasure. From the first initial call I felt like I was being taken care of. Since this was my first time dealing with this company I was skeptical. But Amber has been a pure delight to deal with. She is really on top of things and is great at communicating the details with us and staying on top of things. I know our company is in good hands with her.
CPO
Hi Charlene,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Charlene Anderson
Warzecha Auto Works, Zimmerman MN
Judy Johnson
I have been with us card systems for 10+ years and have found the customer service to be polite and very helpful. Even tho I am a very small company, I am treated with respect and they have always taken care of whatever is wrong. Thanks guys, great job
CPO
Hi Judy,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Larrys Pharmacy
The US card systems is a very good company. They are letting us use a new credit card machine for free.
CPO
Hi Larrys Pharmacy,
Please reply to this comment with your business location in order to authenticate your testimonial. Thanks!
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Boe j DeToy
I have been a long time customer of US Card systems A+ on customer service and equipment.
GRACE SCHUMANN
US Card Systems has serviced my business for many years. Thanks to them for looking out for my best interest. Consulting with me to keep fees down.
Sarah Torkelson
I understand this a legitimate business, but please stop calling! I have received a call 4 days in a row from this company. If our company is interested in your business someone would have called you back. This is harassment and not appreciated.
Charlene Anderson
I recently have had the pleasure in dealing with US Card Systems for the 1st time and I must say it has been a pleasure. From the first initial call I felt like I was being taken care of. Since this was my first time dealing with this company I was skeptical. But Amber has been a pure delight to deal with. She is really on top of things and is great at communicating the details with us and staying on top of things. I know our company is in good hands with her.
CPO
Hi Charlene,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Charlene Anderson
Warzecha Auto Works, Zimmerman MN
Judy Johnson
I have been with us card systems for 10+ years and have found the customer service to be polite and very helpful. Even tho I am a very small company, I am treated with respect and they have always taken care of whatever is wrong. Thanks guys, great job
CPO
Hi Judy,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Larrys Pharmacy
The US card systems is a very good company. They are letting us use a new credit card machine for free.
CPO
Hi Larrys Pharmacy,
Please reply to this comment with your business location in order to authenticate your testimonial. Thanks!