Alliance Bankcard Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk companies that also do business in China

Specializes in

Payment processing, credit card terminals, mobile POS, desktop POS, Online payment solutions

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: Interchange + 0.09% + 5¢ PI

Keyed-in Rate: Interchange + 0.09% + 5¢ PI

Early Termination Fee : $295 - $1,500+

Contract Terms:

No Contract Required 3 Years
Visit Alliance Bankcard Services

Alliance Bankcard Services is a merchant account provider that serves merchants operating in both the United States and China. The company offers a solid number of payment processing solutions, including POS systems, terminals, and mobile POS systems.

Alliance Bankcard Services Overview


Alliance Bankcard Services is based out of California and led by CEO William Sze. The company stands out from other merchant account providers through its dual focus on merchants in China and the United States. This makes Alliance an especially good option for merchants that do business in both countries.
The company serves merchants from a variety of industries, including: Restaurants Retail stores Salons eCommerce companies HotelsAlliance Bankcard Services doesn’t disclose much information about its pricing and fees. But we do know that the company favors a three-year contract with an early termination fee. The company currently has a B- rating with the Better Business Bureau and has a relatively low number of negative online reviews.

Quick Facts

Head Quarters

City of Industry, California

Year Founded



William Sze



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Alliance Bankcard Services Products & Services


Payment Processing

Alliance’s payment processing services are pretty solid. The company makes it easy to accept all major types of payments from customers, including EMV chip cards and even China Union Pay.

Alliance Bankcard Services will also process your customers’ online payments. The company allows merchants to accept various card and ACH payments online. The tool includes solid security add-ons to keep your customers’ data safe.

POS Systems

Alliance Bankcard Services also provides POS systems, which it calls “next-generation” and “smart.” The systems do have a number of nice features that stand out. For example, Alliance’s POS systems can help to speed up your ordering and check-out processes. 

The system is also fully integrated. You can use it as a credit card machine, cash drawer, and kitchen printer, among other things. Additionally, the company has a version of its POS software available for handheld devices. So you can use the same Alliance POS system for both mobile and non-mobile transactions.

CRM & Gift Card

You can also set up customer reward and membership programs through Alliance Bankcard Services. The company provides the tools merchants need to create customer profiles and track customer needs. The company will also let you accept gift cards, which can be another way to solidify your relationship with a customer.

Alliance Bankcard Services Payment Processing

  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Alliance Bankcard Services Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Alliance Bankcard Services Advertising & Sales

Alliance Bankcard Service’s advertising practices don’t appear to be deceptive. The company doesn’t provide very much information about its prices, fees, or contractual terms. This can be a pain to deal with. But it also means that Alliance isn’t lying about its offerings, which is good to see. The company uses an inside sales team to sell its products to merchants. This is generally preferable to using independent sales agents. Independent agents are commonly associated with deceptive and misleading sales practices, so it’s good to see that Alliance Bankcard Services doesn’t use them.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Alliance Bankcard Services Pricing, Rates & Fees


On its website, Alliance Bankcard Services lists its payment processing rate as Interchange + 0.09% + 5c Pl. However, it’s not clear exactly which types of payments this rate applies to or if all merchants qualify for it. Therefore, it’s best to take that rate with a grain of salt.

There’s unfortunately not much information available online about Alliance Bankcard Services’ pricing and fees. It appears as though the company may change what it charges a merchant based on the merchant’s unique profile.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

Interchange + 0.09% + 5¢ PI

Keyed-in Rate

Interchange + 0.09% + 5¢ PI

Mobile Payment Rate

Virtual Terminal Rate

Interchange + 0.09% + 5¢ PI

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

$295 - $1,500+

PCI Compliance Fee


Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Alliance Bankcard Services Contract & Terms

One of the few things that we do know about Alliance’s contracts is that the company prefers to get merchants signed up for a three-year agreement. These contracts can include either interchange-plus or tiered pricing. They also typically include a monthly minimum fee and an early termination fee.

Some merchants have reported that Alliance’s early termination fee can be as high as $1,500 per terminal. That’s really high, even for an industry that’s known for some exuberant early termination charges. Because of that fee, it’s essential to make sure that you’re going to be with Alliance for the length of your deal before signing one.

Contract Length

No Contract Required3 Years

Early Termination Fee

$295 - $1,500+

Alliance Bankcard Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Alliance Bankcard Services Complaints, Ratings & Reviews

Alliance Bankcard Services has a B- rating with the Better Business Bureau. The BBB has not accredited Alliance as of the time of writing. There are some negative online reviews about Alliance Bankcard Services. These talk about undisclosed fees and misleading quotes, among other complaints.



B- and is not BBB Accredited. (0 Review; 1 Complaint)


3.1 Stars / 19 Reviews


5 Stars. Based on the opinion of 14 people




Total Online Reviews


Total Online Complaints





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