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1st American Card Service

Overview: 1st American Card Service


1st American Card Service is a payment processing company, offering services for chief credit/debit cards, check guarantee and provides equipment/software for various merchants. Based out of Murrieta, California, the company provides services via mail order, Internet, phone order and retail. Establishing merchant accounts since 1986, 1st American Card Service recognizes itself as one of the principal independent providers on the Internet, with thousands of merchant accounts. 

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1st Americard

Overview: 1st AmeriCard


Established in 1999, 1st Americard is a small company providing merchant service solutions. Headquartered in Charlotte, North Carolina, 1st Americard supplies merchant accounts, credit card approval, as well as credit card processing services for debit, stored value cards, gift cards and electronic checks. In addition, the company provides a variety of transaction processing devices and point-of-sales terminals. 

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1st Federal Financial

Overview: 1st Federal Financial


1st Federal Financial is a merchant service provider to financial institutions, banks and merchants. Headquartered in Moorpark, California, the company offers credit and debit card acceptance, check guarantee, check verification, check conversion, Advance Funding and Automated Clearing House check processing. 1st Federal Financial also offers point of sales equipment leasing to merchant accounts such as retail, internet and E-Commerce, mail order and telephone order. 

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1st National Payment Solutions

Overview: 1st National Payment Solutions


1st National Payment Solutions provides merchant service solutions for an array of different types of merchants. The company plans and implements merchant service solutions for retail, mobile, wholesale, home business or internet E-Commerce businesses. 1st National Payment Solutions also offers credit card terminals, POS systems, check readers, Smartphone payment systems, E-Commerce solutions and ATM machines. The company is located in Syosset, NY, and established itself in 2000. 


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Overview: 2Checkout


2Checkout, also known as “2CO”, provides payment and ecommerce services, and is located in Columbus, Ohio. Founded in 2000, the company makes it possible for online merchants to accept credit card payments from their customers, without inconveniencing the customer to sign up for an account. In addition to 2Checkout’s online credit card processing services, the company provides fraud protection, customer care, shopping cart solutions, data security services, conversion-driving payment techniques, thirty currencies, and fifteen languages. 

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ABC Global Systems

Overview: ABC Global Systems


As a supplier in merchant services, ABC Global Systems has offered a line of payment processing solutions since 1990. The company’s services consist of processing transactions for credit and debit cards, online/mobile card processing, point-of-sale software, wireless credit card processing machines, virtual terminals and merchant cash advance. Headquartered in New York, NY, the company provides services for various types of businesses such as retail, restaurants, hotels, financial institutions, service businesses, government agencies, wireless merchants, B2B, or home-based businesses.

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Advanced Credit Systems

Overview: Advanced Credit Systems


Advanced Credit Systems is a privately owned company providing merchant services and account setup services. Advanced Credit Systems, located in Sarasota, Florida, offers a range of credit affiliate programs in order for merchants to repair their credit scores and sustain financial stability. The company provides web development services and credit card processing systems. Since 1996, Advanced Credit Systems has served business clients nation-wide.

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Alpha Card Services

Overview: Alpha Card Services


Head-quartered in Philadelphia, PA, Alpha Card Services provides payment solutions for businesses throughout the nation. The company’s payment processing services include Visa, MasterCard, Discover, American Express, Diners Club, JCB, ATM, debit cards, EBTstate and government cards, check conversion, and a customizable plan for a gift/ loyalty card. Established in 2000, Alpha Card Services is now supplying equipment and services to over 10,000 merchant locations. 


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Alpine Payment Systems

Overview: Alpine Payment Systems


Recently founded in 2006, Alpine Payment Systems is a new credit card processing company for small and medium sized businesses nationwide. Located in Vancouver, WA, the company provides customized service plans for niche markets, credit card processing services and ATM services. Additionally, Alpine Payment System offers internet processing, mobile processing, cash advance and point-of-sale equipment.

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American Payment Systems

Overview: American Payment Systems


American Payment Systems is a nationwide merchant service provider allowing merchants to accept a variety of payment types such as credit cards, debit cards and checks. Check guarantee programs, remote deposit capture services, virtual terminal services and wireless processing are amongst the many company offers. Headquartered in Omaha, Nebraska, APS claims the highest approval rates in the industry making it easy for merchants to apply for a merchant account. American Payment Systems also sells Point of Sale equipment or software solutions, stand-alone terminals and debit pin pads, including a hand-held PIN pad. 


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Apex Merchant Group

Overview: Apex Merchant Group


APEX Merchant Group is a relatively new merchant service provider involving payment processing solutions. Services include credit card, debit card, EBT card processing, electronic check conversion, check guarantee, gift and loyalty cards and e-commerce solution. APEX Merchant Group claims to be a leader in the electronic payment industry by providing their merchant clientele the most outstanding payment processing programs and solutions specifically to meet each individual need. One of the company’s featured products is the APEXe90 which provides processing solutions for specifically retail and restaurant businesses. Headquartered in Plano, TX, APEX Merchant Group is focused on excellent customer service. 

Read more: Apex Merchant Group

AppStar Financial

Overview: AppStar Financial


Appstar Financial was established in 2002 and is a self-acclaimed leader in the electronic payments industry. The company, headquartered in Cincinnati, Ohio, provides merchant services involving payment processing programs and solutions. Services include credit, debit and EBT card processing, check guarantee, electronic check conversion, e-commerce solutions, gift and loyalty cards. Appstar Financial also offers equipment such as terminals, check readers, imagers, and printers for specific merchant needs. 


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Overview: Authorize.net


Authorize.net has been a provider of payment gateway services since 1996. The company controls the submission of billions of transactions electronically to the processing networks for merchant patrons. The company allows merchants to accept credit card and electronic check transactions, online, in retail stores, through mail/ telephone order call centers and mobile appliances. Authorize.net is headquartered in San Francisco, CA and services a wide range of business industries. 


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Banc Certified Merchant Services

Overview: Banc Certified Merchant Services


Banc Certified Merchant Services is an online merchant services provider in which creates web-based platforms for businesses seeking better financial management. Founded in 1996, the company supplies online invoicing solutions, credit and check processing solutions, gift card programs, and online accounting solutions. 

Read more: Banc Certified Merchant Services

Banctek Solutions

Overview: Banctek Solutions


Banctek Solutions provides merchant services for various types of businesses. Founded in 2003, the company provides payment processing solutions, allowing merchants to accept major credit card brands, debit cards and gift cards. Other offerings include point-of-sale equipment, online reporting, and cash advance services. Banctek Solutions, headquartered in Denver, Colorado, stress the importance of businesses accepting electronic payments and claim to increase merchant sales and success. 

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Bank of America Merchant Services

Overview: Bank of America Merchant Services


Bank of America Merchant Services is an electronic payments processor for merchants throughout the United States. The company provides secure and original products and services for all types of merchants regardless of how big or small. Bank of America Merchant Services currently has over 100 products and services dedicated to helping the merchant find the specific payment solution tailored to their business needs. The company is headquartered in Charlotte, North Carolina and is currently one of the largest merchant service providers in the United States. 

Read more: Bank of America Merchant Services

BankCard Central

Overview: BankCard Central


BankCard Central provides payment solutions to merchants of all sizes. The company notes that one of their most important services is working with new merchants and giving them the accessibility to accept all major credit cards. BankCard Central offers complete packages of merchant services including payment gateway, processing equipment, processing software, gift cards, loyalty card programs, merchant cash advance, online payment authentication, alternative payment brands, and much more. The company is headquartered in Kansas City, MO and has been in business since 1992. 

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BankCard Services

Overview: BankCard Services


Founded in 2010, BankCard Services is a merchant service provider, devoted to providing businesses with the lowest processing rates. Originally, the company worked with family businesses but now provides all business owners with the same devotion. The company’s services include credit card processing, check acceptance, fleet card acceptance, wireless program, gift card acceptance, online payments, mail/phone payments, business cash advance, and ATM services. BankCard Services is located in Farmington Hills, MI. 

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Overview: BillingTree


BillingTree also known as “Electronic Payment Providers” is an on-demand payment processing provider to a variety of industries. The company claims to have the most reliable, user friendly payments solutions in the world and was founded in 2003. Headquartered in Phoenix, Arizona, BillingTree adapts to the evolving environment and creates unique payment solutions tailored to each individual business type. Their line of services include, credit and debit card payment options, check and cash payment options, online payment solutions, phone payment solutions, mobile payment solutions and electronic bill presentment and payment. 


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Overview: BluePay Processing


Since 2002, BluePay has been a local and global merchant service provider. The company allows merchants to accept credit cards, electronic checks, and other payment options easily and quickly. BluePay provides merchant account solutions to meet the needs of the various industries they serve and offer an array of credit card processing options. The company is headquartered in Naperville, IL, but has offices and data centers throughout the United States.


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Bluestone Payments

Overview: Bluestone Payments


Located in Peachtree City, GA, Bluestone Payments is a merchant service provider in which allows businesses to accept electronic payments from their consumers. Their services include credit card and debit card transactions, electronic check, ATM and gift and loyalty cards.  Bluestone Payments also offers products accustomed for retail storefronts, restaurants, lodging establishments, mail and telephone order merchants, and mobile merchants.

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Braintree Payment Solutions

Overview: Braintree Payment Solutions


Headquartered in Chicago, Illinois, Braintree Payment Solutions enables merchants to accept credit card payments by providing a merchant account, payment gateway, recurring billing, and credit card storage. Founded in 2007, Braintree Payment Solutions has its own payment gateway systems built especially for online merchants. The company’s online payment gateway contains client libraries in seven languages, three mobile platforms, and human-readable API’s. 

Read more: Braintree Payment Solutions

Capital Bankcard

Overview: Capital Bankcard


Established in 1998, Capital Bankcard is a merchant service provider in which enables businesses to process an array of electronic payments. The company allows merchants to use any payment processing device to process credit, debit, rewards, gift cards and checks. Headquartered in Boston, Massachusetts, Capital Bankcard has over 170 employees and 80,000 active merchants globally. Capital Bankcard prides itself on credibility, customer service, technical support, and company size. 

Read more: Capital Bankcard

Capital Payments

Overview: Capital Payments


Capital Payments is a provider of electronic payment processing for merchants, in both the United States and Canada. Headquartered in Atlanta, Georgia, the company offers customized payment services specifically designed for Independent Software Vendors and their clients. Capital Payments was founded in 2007, and offers payment services such as PCI compliance, debit and credit card processing, ACH processing, and recurring billing. In addition, the company offers a virtual terminal and a payment gateway solution. 


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Capital Processing Network

Overview: Capital Processing Network


Headquartered in Phoenix, Arizona, Capital Processing network is a full service credit card processing and merchant account services provider. The company provides credit card terminals, allowing merchants to process transactions over the phone, online and through mobile phone networks. Founded in 2006, Capital Processing Network services lower-risk merchants in order to keep their rates allegedly low. 

Read more: Capital Processing Network

Card Payment Solutions

Overview: CardPayment Solutions


CardPayment Solutions is a merchant services provider for small and large sized businesses, throughout the United States. Headquartered in Westlake Village, CA, the company enables merchant’s to accept major credit cards, debit/ATM cards, electronic checks, and provides gift/loyalty card programs and cash advance programs. CardPayment Solutions was established in 1999, and also provides POS equipment. 


Read more: Card Payment Solutions

 tips and hints





Stay Abreast of Fraud Trends/Scenario


More and more, we see merchants being approached for"humanitarian" causes with large purchases needed for orphanages, churches, etc. These are uncommon for the business and are usually sent via e-mail.


Merchants are provided with multiple credit cards and are asked to split the sales to get them through. These sales are often invalid. Take the extra step if approached on a Teletypewriter (TTY) line.


I chose the National Debit Card Network because of its dedication to increasing a merchant's revenue stream with a host of profit generating solutions. Most processors are simply processors.(more) 






I selected OnePay because after careful research and comparisons among similar products, I found that they offer an innovative swiper that's competitive with Square except they offer full merchant service and livesupport