Alpha Card Services Review

With headquarters in Pennsylvania, the company has been serving businesses across the United States since 2000 and processes over $2 billion a year in transactions. Alpha Card Services, LLC is a registered ISO of Wells Fargo Bank.

• What Alpha Card Services Offers
• Security
• Customer Support
• Alpha Card Services’ Rates, Fees, and Contract Terms
• Alpha Card Services reviews and reputations

What Alpha Card Services Offers

Alpha Card Services offers a variety of solutions for businesses, including card processing, payroll services, gift cards, working capital, and ATM solutions.

Card Processing

The company accepts all major credit cards and offers the following options for how to process the transaction.

POS

Alpha Card Services offers the Alpha POS systems to process transactions, manage inventory, review sales, analyze payroll, and more. POS systems are backed by a support team of installation specialists and technicians to help ensure your system is installed and running correctly.
Alpha Card Services offers a terminal supply and warranty program. Alpha Card Services will fix or replace broken equipment. The program costs $9.95/month for wired equipment or $19.95 for wireless.

Mobile

Use your smartphone or tablet for accepting payments with Alpha Card Services. A card reader and downloadable app help you take payments securely. The Alpha Card Services’ mobile solution surpasses PCI compliance standards using MagneSafe security. Perfect when you need to take payments on the go. Artists, landscapers, delivery businesses may find mobile processing beneficial.

Internet

For accepting payments online, Alpha Card Services offers Alpha Gateway, featuring ISpy Fraud protection, verification by Visa, and MasterCard SecureCode support to ensure secure transactions. An optional USB card reader can be connected to accept card-present swiped transactions. The Alpha Gateway can be integrated directly into your website for ease of checkout online.

Payroll Services

Alpha Card Services has Payroll Solutions locations in Pennsylvania, New York, New Jersey, Texas, and California. Features include:

• Unlimited number of employees
• Unlimited number of pay types
• Accurate records of tipped employees
• National Crime Search website use for employee background checks
• Federal and state tax ready

Additional features available include:

• 401(k) plans
• Timekeeping systems
• HR support
• Accounting integration

Gift Cards

If you want to offer gift cards, Alpha Card Services has both pre-designed or custom card options, and includes a range of templates. Cards are reloadable, and the balance is updated automatically with every use.

Working Capital

Alpha Card Services provides cash advances with 24-hour pre-approvals for funds from $2,500 to $300,000. Cash advances are leveraged against future credit card sales, and are not considered loans. Cash advances require no collateral, and funds can be deposited into your account in as little as 7 days. While cash advances are generally easier to obtain than loans, they may come at a higher cost. For more information, see Should You Get a Merchant Cash Advance?

ATMs

Alpha Card Services provides ATM services that include ATM transaction processing and machine installation and service. You can choose to impose a usage surcharge on ATMs in your store.

Security

Alpha Card Services’ PCI compliance team helps you with PCI compliance. You must complete the compliance Self-Assessment Questionnaire every year. Some businesses may additionally need to complete a vulnerability scan every quarter if processing cards through the internet.

The Alpha Card Services’ PCI compliance team works directly with you to determine what steps need to be taken to become and remain compliant.

Customer Support

Alpha Card Services offers a 24/7 multilingual customer support service that is based out of its headquarters location in Pennsylvania. The company also does quarterly check-ins with its clients and offers same day approval for new applicants.

Alpha Card Services Rates, Fees, and Contract Terms

Alpha Card Services doesn’t publish rates or fees on its website. If you are interested in knowing more you can request a quote through CardFellow. Simply sign in to your account or sign up for a free CardFellow account to get started.

Alpha Card Services’ standard contract term is 3 years, with a $295 early termination fee. The company also offers seasonal downtime.

Alpha Card Services Reviews

Alpha Card Services has been around for several years, long enough for customers to post reviews on their experience. Alpha Card Services has been accredited with the Better Business Bureau since 2011 and currently has an A+ rating, the highest available. The company has had 11 complaints closed with the BBB in the past 3 years, and 2 closed in the last 12 months. There are 5 complaints in the category of Billing/Collections issues and 6 complaints in Problems with Products/Services. The exact details are of the complaints unavailable.

Ripoff Reports has 6 reviews for Alpha Card Services in their directory but the most recent one is from July of 2012. Complaints allege the company withholds business’ funds, sends bills after cancellation, and engages in deceptive practices.