If you’re trying to research a payment processor, you’ve probably typed “advanced payment solutions reviews” into your search bar. And if you have, you might have noticed something strange: the results are all over the place. That’s because several different companies use this exact name or a very similar one, making it nearly impossible to know who you’re actually dealing with. One company might have decent feedback, while another is flooded with scam alerts. This confusion isn’t just frustrating; it’s a huge risk for your business. Before you can even think about signing a contract, you need to cut through the noise and figure out if the company that pitched you is the real deal or a source of future headaches.

Key Takeaways

• Vet the Company, Not Just the Name: A generic name like “Advanced Payment Solutions” is used by multiple businesses, making online reviews misleading. Always confirm a provider’s physical address and legal name to ensure you’re researching the right company.
• Scrutinize Every Contract Detail: Be wary of “free” equipment offers, as they often hide long-term contracts with expensive cancellation penalties. A trustworthy partner will provide clear, upfront pricing and flexible month-to-month agreements.
• Prioritize Transparency and Support: If a provider is vague about their fees, avoids direct questions, or isn’t accredited by organizations like the BBB, consider it a red flag. The right partner will be open about all costs and have a proven track record of reliable customer service.

What Exactly Are “Advanced Payment Solutions”?

“Advanced Payment Solutions” sounds impressive, right? It suggests cutting-edge technology and top-tier service that can help your business thrive. But when you’re a business owner trying to find the right partner, you need to know what’s actually behind the name. Is it a specific company, or just a general term for modern payment processing? The answer is a bit of both, which is where things get confusing. Several different companies across the country operate under this name or a very similar one, making it incredibly tricky to know who you’re actually dealing with when reading a review or signing a contract.

This ambiguity is a major reason why it’s so important to do your homework. Before we get into the specific customer reviews and potential red flags, let’s clear up what these services typically involve. Understanding the fundamentals of payment processing will help you see past the marketing jargon and evaluate whether a provider truly offers an “advanced” solution that fits your business. It’s all about knowing what to look for so you can make the best choice for your bottom line. We’ll start with the basics of how money moves from your customer to your bank account, and then look at the specific services tied to the “Advanced Payment Solutions” name. This foundation will give you the confidence to ask the right questions and spot a good partner from a bad one.

A Quick Look at How Payment Processing Works

Think of a payment processor as the mission control for every card transaction you run. When a customer swipes, dips, or taps their card, a whole chain of events kicks off behind the scenes. Payment Service Providers (PSPs) are the companies that manage this entire process. They act as the crucial link between your business, your customer’s bank, and the major card networks like Visa or Mastercard. In a matter of seconds, the PSP gets the payment approved and makes sure the funds are transferred securely from the customer’s account into yours. It’s a complex dance, and processors handle all the choreography for a fee.

What Services Do They Actually Offer?

So, what does a company calling itself “Advanced Payment Solutions” actually do for you? Based on what we’ve seen, their services cover the standard needs of most small businesses. This includes processing credit and debit card payments, setting up e-commerce solutions for online sales, and providing POS hardware. They also offer gift and loyalty card programs to help you build repeat business. A big part of their sales pitch seems to be focused on cost-saving programs. They heavily promote services like cash discount pricing, which is designed to help merchants reduce or even eliminate their credit card processing fees by passing them to the customer.

What Are Customers Saying About Advanced Payment Solutions?

When you’re trying to vet a payment processor, customer reviews are one of the first places you look. But with a generic name like “Advanced Payment Solutions,” you’ll find a mixed bag of feedback for several different companies. It’s important to sift through the noise to understand what you’re really getting into. Some customers report positive experiences with saving money, while others raise serious concerns about scams and poor service. Let’s break down what people are saying online.

The Good: What People Like

On the bright side, some merchants have had a great experience. Positive reviews often point to significant savings on credit card processing fees as a major win. According to feedback on Trustindex, customers who are looking for honest and straightforward service seem to be the most satisfied. These reviews suggest that at least one version of this company delivers on its promise to help businesses cut costs. For a small business owner, finding a processor that helps you keep more of your hard-earned money is always a top priority, so these comments are definitely worth noting.

The Bad: Common Complaints

On the other end of the spectrum, you’ll find some alarming feedback. A company called Apsfinancial, which is easily confused with Advanced Payment Solutions, has a very low customer rating on Trustpilot, with a staggering 80% of users giving it just one star. Many of these negative reviews mention a specific sort code (08-71-99) that they claim is linked to scam attempts. When you see patterns like this, it’s a major red flag. The confusion between different company names makes it difficult to know who you’re dealing with, which is a risk most business owners can’t afford to take.

Red Flags from the BBB

Digging a little deeper, the Better Business Bureau (BBB) offers another piece of the puzzle. One company named Advanced Payment Solutions is NOT a BBB Accredited Business. This means they haven’t committed to the BBB’s code of conduct or gone through its vetting process. While they do hold an A+ rating, that grade is based more on their responsiveness to filed complaints rather than a proactive commitment to ethical business practices. For many merchants, accreditation is a baseline for trust, and its absence can be a deal-breaker, regardless of the rating.

Who Is “Advanced Payment Solutions,” Really?

If you’ve tried to research “Advanced Payment Solutions,” you might have felt like you were going in circles. The name is so generic that it’s used by several different companies in the payment processing world, which makes it incredibly difficult to figure out who’s who. One company might have decent reviews, while another with a nearly identical name is riddled with complaints. This isn’t just a coincidence; it’s a common issue in the industry that can leave business owners feeling confused and frustrated.

When you can’t pin down exactly which company you’re dealing with, you can’t properly vet their services, check their reputation, or know if you’re making a safe choice for your business. Are you reading a review for the company that pitched you, or for a completely different one on the other side of the country? Before you can even think about signing a contract, it’s critical to cut through the noise and identify the specific provider you’re evaluating. Let’s break down what to look for and how to tell these companies apart.

What Makes a Payment Solution Truly “Advanced”?

First, let’s talk about what a modern payment processor should even be doing for you. At its core, a Payment Service Provider (or PSP) is the bridge that connects your business to the financial networks, allowing you to accept credit and debit card payments. The “Advanced Payment Solutions” based in Florida seems to focus heavily on helping businesses save money on processing fees, which is a great goal. But a truly “advanced” solution should offer more than just savings. It should provide transparent pricing, top-notch security to protect you and your customers, and reliable support when you need it. It’s about the complete package, not just one feature.

The Other Companies Using This Name

The biggest challenge in researching this provider is that “Advanced Payment Solutions” is a popular name. A quick search brings up multiple businesses with the same or very similar names across the country and even internationally. This creates a major headache for merchants. You might find a glowing testimonial that actually belongs to a different company, or you could be scared off by a negative review meant for another entity entirely. This ambiguity makes it nearly impossible to get a clear picture of the company’s track record, reliability, or customer service quality. It’s a significant red flag when you can’t easily confirm a company’s identity.

How to Tell Them Apart

So, how do you know who you’re actually talking to? You have to play detective. The company most people are referring to is based in Temple Terrace, Florida. According to its Better Business Bureau profile, it has an A+ rating but is not BBB Accredited. This means they haven’t agreed to the BBB’s code of conduct. Meanwhile, other similarly named companies, like Apsfinancial, have concerning Trustpilot reviews that mention potential fraud. Always ask for a company’s physical address and check their official registration details. If a sales rep is vague or can’t provide clear identifying information, it’s best to walk away.

Advanced Payment Solutions vs. The Competition

When you’re choosing a payment processor, a fancy name doesn’t always tell the full story. A name like “Advanced Payment Solutions” sounds great, but what does it actually mean for your business? The best way to see a company’s true value is to put it side-by-side with a competitor. Let’s compare the promises of a generically named provider with the proven track record of MBNCard. We’ll look at who they are, what they offer, and—most importantly—how they approach pricing. This will help you see the difference between a simple service provider and a true payment partner.

A Head-to-Head: MBNCard vs. “Advanced Payment Solutions”

Let’s start with the basics. On one hand, you have MBNCard, a Las Vegas-based merchant services provider with over 30 years of experience. We operate as an Independent Sales Organization (ISO) with established banking partners like Wells Fargo and Esquire Bank, which gives you stability and accountability. On the other hand, there’s a company called Advanced Payment Solutions, which has also been in business for about 30 years. They hold an A+ rating from the Better Business Bureau, but they aren’t actually BBB Accredited. This is an important distinction—it means they haven’t formally committed to meeting the BBB’s specific standards for ethical business practices.

Comparing Key Features

At first glance, the services might seem similar. Advanced Payment Solutions offers the standard ability to accept payments from chip cards, contactless methods, and online orders. These are the basics for any modern processor. Where the comparison gets interesting is in the approach. MBNCard provides a full suite of services, including e-commerce integrations, POS hardware, and programs like our cash discount program that actively help you save money. More importantly, we focus on personal service and flexible partnerships. We’re not just giving you a machine; we’re providing a support system built around your business’s specific needs.

Breaking Down the Pricing Differences

This is where transparency really matters. It’s difficult to find clear, upfront pricing for Advanced Payment Solutions, which can be a major red flag for any business owner. When a processor isn’t open about their rates, it often means you’ll find surprise charges on your statement later. Remember that non-accreditation from the BBB? That lack of commitment to a higher standard can sometimes extend to their pricing models. In contrast, we believe you deserve to know exactly what you’re paying. We focus on helping you find the lowest credit card processing fees possible and explain every line item, so you can make an informed decision without worrying about hidden costs.

Common Problems with Advanced Payment Solutions

When you’re running a business, the last thing you need is a payment processor that creates more problems than it solves. Unfortunately, some providers come with a host of issues that can impact your security, your bottom line, and your peace of mind. Based on customer feedback and public records, several recurring problems seem to follow companies operating under the “Advanced Payment Solutions” name.

These aren’t just minor inconveniences; they’re significant red flags that can affect your business’s reputation and financial health. From alarming security lapses that leave you vulnerable to fraud, to nonexistent customer support when you need it most, the complaints paint a clear picture. Add in the frustration of unexpected fees that eat into your profits, and it’s easy to see why so many business owners feel stuck. Let’s break down the most common issues you should be aware of.

Security Concerns and Scam Alerts

One of the most serious issues reported by customers is the platform’s vulnerability to fraudulent activity. Many online customer service reviews claim that accounts associated with Advanced Payment Solutions are frequently used by scammers. A specific sort code, 08-71-99, is repeatedly mentioned in connection with these scams, suggesting a pattern that should concern any business owner. For a merchant, having your payment system linked to widespread fraud is a massive liability. It suggests that the company’s account verification and security protocols may not be strong enough to protect you or your customers from financial harm.

Where Customer Service Falls Short

When you suspect fraud or have a critical issue with a transaction, you need fast, effective support. This is another area where customers report significant problems. Many who tried to report fraudulent activity said the company was unhelpful and didn’t take their concerns seriously. This lack of support is made worse by the company’s public silence. For example, the Apsfinancial profile on Trustpilot is “Unclaimed,” meaning they aren’t actively responding to customer feedback or addressing complaints. For a business owner, unresponsive customer service isn’t just an annoyance—it’s a risk that can cost you time and money.

Watch Out for Hidden Fees

Unexpected charges are a classic problem in the payment processing industry, and it’s a complaint that comes up here, too. Some customers have reported hidden fees that were not only costly but also led to negative marks on their credit reports. These surprise charges can completely derail your budget and undermine your trust in your processor. One BBB Business Profile complaint details how a merchant was charged a monthly fee for years without their knowledge. This is why it’s so important to work with a provider who is completely transparent about every single fee you’ll be charged.

A Look at Their Pricing and Promotions

When you’re comparing payment processors, pricing and promotions are often the first things you look at. And why wouldn’t they be? A great deal can make a real difference to your bottom line. But this is also where things can get confusing, fast. A flashy offer for “free” equipment or a super-low rate might hide terms that end up costing you much more down the road. It’s always a good idea to look past the marketing and get a clear picture of all the potential costs before you sign anything.

Let’s take a closer look at what Advanced Payment Solutions (APS) offers and what you should be aware of. We’ll break down their fee structures and promotions so you can understand the full picture. Think of it like peeling back the layers—the initial offer is just the surface. You need to know about potential setup fees, contract lengths, cancellation penalties, and what happens when you need support. The best deal is one that’s transparent and predictable, allowing you to manage your budget without any surprises. A good payment partner wants you to understand exactly what you’re paying for, so let’s get into the details of what APS puts on the table.

Understanding Their Fees and Pricing Programs

Digging into a company’s reputation is a great first step. According to their BBB Business Profile, Advanced Payment Solutions holds a high A+ rating, which suggests they handle customer complaints well. However, it’s also noted that they are not “BBB Accredited.” This is an important distinction. Accreditation means a business has committed to meeting and upholding the BBB’s standards for trust and ethics. For business owners who prioritize transparency and accountability, this lack of accreditation might be a point to consider as you evaluate their services and the clarity of their fee structures. It’s a piece of the puzzle to keep in mind.

Is the “Free” Equipment Really Free?

One of the most common promotions in the payment processing industry is the offer of free equipment. APS advertises a “No-Cost EFTPOS Machine” on its social media, often bundled with other perks like gift cards. While this sounds like a great way to save on startup costs, it’s essential to ask what “free” really means. Often, this equipment is tied to a long-term, non-cancellable contract. If you try to leave, you could face steep penalties or be required to pay the full price for the “free” terminal. Always read the fine print to see if you’re leasing the equipment or if it’s truly yours to keep with no strings attached.

What to Expect for Setup and Equipment Costs

Beyond the terminal itself, you need to get clear on all potential setup and equipment costs. When you’re talking to any provider, it’s smart to have a list of specific questions ready. For instance, are there fees for installation, software integration, or training? It’s also wise to understand the full scope of merchant services and what they cost. Some processors add extra fees for things like chargebacks, account maintenance, or early cancellations. Asking the right questions upfront can save you from unexpected charges later and helps you find a partner who is truly invested in your success. A transparent provider will be happy to walk you through every potential fee.

Finding a Better Alternative

If you’re feeling overwhelmed by confusing contracts and surprise fees, you’re not alone. The good news is that there are plenty of payment processors out there who believe in clarity and partnership. Moving on from a frustrating experience means finding a provider who is upfront about their costs and dedicated to your success. It’s about finding a partner you can actually trust, not just a company that processes transactions.

Why Our Transparent Pricing Is Different

We built MBNCard on a customer-first philosophy because we believe you deserve to know exactly what you’re paying for. As a family-operated business, we prioritize personal service and straightforward pricing. This means no confusing statements, no hidden junk fees, and no long-term contracts designed to trap you. We offer a range of flexible solutions, from credit and debit card processing to cash discount programs, all designed to fit your specific business needs. Our goal is to build a lasting relationship by helping your business save money and run more smoothly, not by nickel-and-diming you.

Other Reputable Processors to Consider

We’re confident in what we offer, but we also want you to find the perfect fit for your business, even if it isn’t us. Doing your homework is the best way to protect your bottom line. To help your search, we’ve put together resources so you can compare some of the top 10 payment processing companies and see how they stack up. As you evaluate your options, focus on finding the best merchant account providers that align with your sales volume and business model. Ultimately, the right partner will offer fair terms and help you secure the lowest credit card processing fees possible.

How to Choose the Right Payment Processor for You

Picking a payment processor is one of the most important decisions you’ll make for your business. It’s not just about accepting cards; it’s about finding a partner who can help you manage your cash flow, protect your data, and support your growth. A great processor offers transparent pricing, reliable technology, and real human support when you need it. A bad one can drain your profits with hidden fees, frustrate you with poor service, and lock you into inescapable contracts.

The good news is that you’re in the driver’s seat. By doing a little homework and asking the right questions, you can find a provider that truly fits your business needs. It’s about looking past the flashy sales pitches and digging into the details of their contracts, support systems, and fee structures. Think of it as interviewing a candidate for a critical role in your company—because that’s exactly what it is. The right partner will make your life easier and help your business thrive, while the wrong one can create constant headaches. Let’s walk through how to spot the difference and make a choice you feel confident about.

Spotting the Red Flags in Any Contract

Before you even think about signing, it’s time to put on your detective hat. A processor’s contract tells you everything you need to know about their business practices. Vague language, confusing terms, and a refusal to clarify details are major red flags. Be wary of any salesperson who pressures you to sign immediately. A reputable company will give you time to review everything.

Also, check their reputation with third-party sources. For example, a company might have a high rating from the Better Business Bureau, but not being officially “BBB Accredited” means they haven’t committed to the BBB’s specific standards for business conduct. Look for consistency in online reviews and pay attention to recurring complaints—they often point to deeper issues.

Key Questions to Ask Before You Sign

Don’t be afraid to ask direct questions. A transparent provider will have clear, straightforward answers. Start with the basics of their service and support. You should feel confident that you can get help when you need it most.

Here are a few essential questions to ask merchant credit card processors before you commit:

• What are your customer support hours and average response times?
• What is your process for handling urgent issues, like a terminal going down during a busy Saturday?
• Can you walk me through all the fees on a sample statement?
• What is the total effective rate I can expect to pay?
• What are the terms of the contract, including its length and cancellation policy?

Contract Traps to Avoid at All Costs

The fine print is where many processors hide their most expensive surprises. One of the biggest traps is tiered pricing, which often advertises a low rate that only applies to a small fraction of transactions. Also, look closely for hidden fees. Some processors charge extra for things like chargebacks, cancellations, and even basic account maintenance. These small costs can add up quickly and eat into your revenue.

Another major trap is the long-term, auto-renewing contract with a hefty early termination fee (ETF). These contracts can lock you in for years, and if you’re unhappy with the service, it can cost you hundreds or even thousands of dollars to leave. Always demand a month-to-month agreement with no cancellation fees.

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Frequently Asked Questions

Why is it so hard to find reliable information on “Advanced Payment Solutions”? The main issue is that “Advanced Payment Solutions” is a very generic name used by several different companies across the country. This makes it incredibly difficult to know if a review, complaint, or news article is about the specific company you’re considering. When you can’t confidently verify a company’s track record, you’re taking a big risk.

You mentioned BBB Accreditation. Why does it matter if a company isn’t accredited? A high rating from the Better Business Bureau simply means a company is good at responding to filed complaints. Accreditation, however, is a proactive commitment. It means the business has agreed to follow the BBB’s code of ethical practices. For many business owners, that commitment to a higher standard is a crucial sign of a trustworthy partner.

Are “free” equipment offers from payment processors a good deal? You should always be cautious with offers for “free” equipment. Often, these deals lock you into a long-term, non-cancellable contract. If you’re unhappy with the service and want to leave, you could face steep early termination fees or be forced to pay the full, inflated price for that “free” terminal. Always read the fine print to understand the true cost.

What is the single biggest red flag I should look for when choosing a payment processor? The biggest red flag is a lack of transparency. If a sales representative is vague about fees, pressures you to sign a contract immediately, or can’t provide a clear and simple explanation of their pricing, it’s best to walk away. A good partner will be upfront about every potential cost and will want you to feel completely confident in your decision.

Besides low rates, what makes a payment processor a good partner? While competitive rates are important, a true partner offers much more. Look for a provider that gives you a dedicated support contact, offers flexible month-to-month agreements with no cancellation fees, and provides clear, easy-to-read monthly statements. It’s about finding a company that is genuinely invested in your success, not just in processing your transactions.