Allied Commercial Financial Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small, standard-risk merchants who are okay with fixed, long-term contracts

Specializes in

Terminal leases, POS solutions, mobile payment processing, eCommerce for small companies

Pricing Summary

Setup Fee: $0

Monthly Fee: $79

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $500

Contract Terms:

3 Years
Visit Allied Commercial Financial

Allied Commercial Financial is a registered ISO of Wells Fargo Bank that specializes in payment processing and POS solutions for small companies. The company resells products and services from First Data and is based out of Tempe, Arizona. Allied Commercial Financial favors multi-year, fixed contracts and non-cancellable equipment leases. It’s best for smaller merchants who are searching for a long-term payment solution.

Allied Commercial Financial Overview


Allied Comercial Financial was founded by current COO Blake Zinke in 2012. Zinke previously worked for Paradigm Direct, MobiSquad, and Entrust Bankcard. The company’s marketing material suggests its focus is on smaller merchants, in industries like:
Clothing and apparel Electronics Healthcare Personal service Food and beverageAllied Commercial favors multi-year, long-term contracts. But the company does not list the fees that it charges for each of its services on its website. Interested merchants will need to contact Allied Commercial directly to determine whether the company’s fees align with their budget.The company has no merchant-submitted reviews on the Better Business Bureau’s website. But reviews found on other sites suggest troubling practices. Complaints cite Allied Commercial’s aggressive sales tactics, deceptive equipment lease contracts, and downright dishonest price quotes.

Quick Facts

Head Quarters

Mesa, Arizona

Year Founded



Blake Zinke - COO



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Personal Service
  • Restaurant / Bar
  • Thrift Store

Business Types Served

  • Ecommerce
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

Allied Commercial Financial Products & Services



One of Allied Commercial Financial’s main services is the leasing of terminals to merchants. The company has several models to choose from, including the:

  • VX520

  • VX680

  • VX805

These offer varying benefits, which gives merchants some flexibility in picking the right terminal for their specific needs. But the company does not list how much it costs to lease any of these terminals on its website.

Mobile Payments and eCommerce Solutions

Allied Commercial offers a mobile payment solution called AprivaPay Plus. It claims to make it easier for merchants to accept and process mobile payments. The program can be used on any Apple or Android device as a mobile POS. AprivaPay Plus is EMV-capable so you can accept cards with chips on them without issue.

Allied Commercial Financial also says that it can integrate with almost any website shopping cart program that a merchant might use. But it offers very little information about what its eCommerce service looks like. So it’s unclear how exactly it will benefit merchants who use it.

Clover All-In-One Merchant Solution

The company’s Clover system is marketed as an all-in-one POS solution. It’s designed to replace a merchant’s cash register, receipt printer, barcode scanner, and payment terminal. With Clover, a merchant can accept the most commonly used forms of payment, including Apple Pay, EMV, standard debit and credit swipes, and gift cards.

Allied Commercial Financial Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Gift Card Management
  • Merchant Cash Advance
  • Online Payments
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Allied Commercial Financial Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Allied Commercial Financial Advertising & Sales

Allied Commercial uses a combined sales approach. The company has been known to use telemarketing, inside sales, and outside sales representatives to sell its products. There have been several consumer complaints lamenting the company’s aggressive telemarketing tactics. Allied Commercial Financial doesn’t advertise deceptive rates. But then, the company doesn’t advertise any rates at all. That makes it difficult to determine what their sales process really looks like. More likely than not, it varies from merchant to merchant.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Allied Commercial Financial Pricing, Rates & Fees


The only information that’s available about Allied Commercial’s pricing and fees comes from unverified online sources. For example, some merchant reviews have said that Allied uses a “program cost” of as much as $79 per month. The reviews state that if a merchant pays this cost, then Allied will supposedly lock in low rates for them.

Another internet rumor suggests that Allied Commercial Financial caps the cost of its terminal lease agreements at $65 per month. But this is also unverified and should be taken with a grain of salt.

Our knowledge of the fees that Allied Commercial charges is a bit more complete. Merchants can expect to encounter:

  • PCI compliance fees

  • Monthly minimum fees

  • Per-transaction fees

  • Statement fees

Pricing at a Glance

Pricing Model


Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


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

Allied Commercial Financial Contract & Terms

The exact terms of a merchant’s contract with Allied Commercial Financial will depend on the specific nature of their business. So it’s impossible to say exactly what your contract with Allied would look like, especially since the company makes none of this information public.

However, we do know a few things about the terms that the company likes to employ. Allied prefers multi-year agreements that last around 48 months. Leaked contracts show that the company also has an early termination fee of $500.

Most importantly, Allied Commercial Financial uses non-cancellable equipment leases. This is very unfavorable towards merchants, as it prevents them from changing their contract if it no longer works for them at some point in the future.

Contract Length

3 Years

Early Termination Fee


Allied Commercial Financial Setup & Support


Setup Highlights

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

Support Highlights

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

Allied Commercial Financial Complaints, Ratings & Reviews

Allied Commercial Financial has no reports or ranking registered with the Better Business Bureau. But some complaints have been filed for the company on other websites. These tend to reference Allied’s aggressive sales tactics and higher-than-expected fees.

Ultimately, most of the data that’s publicly available about Allied Commercial’s quality was created by former clients since the company doesn’t share much itself. Former clients can shed light on a provider’s practices. But they also tend to have an opinion that’s been slanted by personal experience.



NR, Allied Commercial Financial is not BBB Accredited. (0 Review; 0 Complaint)


3 Stars / 33 Reviews






Total Online Reviews


Total Online Complaints





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