Authorized Credit Card Systems Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Most business types that are in need of merchant accounts and payment processing services.

Specializes in

Authorized Credit Card Systems specializes in working with merchants in need of payment processing services in the medical, construction, automotive, and restaurant industries.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: Unknown

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Visit Authorized Credit Card Systems

Authorized Credit Card Systems was founded in 2006 as a merchant account provider that works with most types of business.

This company is partnered with seven backend payment processors, and it is a reseller for several companies.

Authorized Credit Card Systems is located in Austin, Texas, and the company’s founder and president is Keith Miller.

Authorized Credit Card Systems Overview


Authorized Credit Card Systems markets itself as a full-service merchant account provider. This company was founded in 2006, and it offers its services to most business types. Its primary merchant customers are those in the restaurant, automotive, medical, and construction fields.
The company is headquartered in Austin, Texas and Keith Miller is the company founder and president. The Authorized Credit Card Systems website does not mention the company’s acquiring bank. Authorized Credit Card Systems states that the company tries to get merchants the best possible deal for credit card processing. This provider places a lot of importance on educating their merchant customers, communicating with them, and soft sells.

Quick Facts

Head Quarters

3500 S Lamar Blvd Bldg 2A, Austin, Texas 78704,

Year Founded






Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

What We Don't Like

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

Authorized Credit Card Systems Products & Services


Hardware & Software

Authorized Credit Card Systems offers a range of POS systems and credit card terminals to its merchant customers through its partnerships. POS systems include:

The Poynt Payment Terminal
The Talech POS System
The Harbortouch Elite

This company can provide merchants with several credit card terminal options. This company can also supply mobile card readers, a virtual terminal, and payment gateway integration for ecommerce merchants.

Authorized Credit Card Systems offers free equipment for merchants in need of POS systems and/or credit card terminals.

Value-Added Services

Authorized Credit Card Systems does not offer any additional value-added services to its merchant customers. However, this company may be able to offer referrals to some of its many partners for merchants in need of cash advances or other common add-ons.

Supported Payment Types & Services

Merchants choosing Authorized Credit Card Systems as their merchant account provider and payment processor will be able to accept the following forms of payment:

All four major credit cards, including EMV chip and magstripe cards
Debit cards
ACH payments
Checks and electronic checks

Depending on the type of POS system, card reader, or software a merchant chooses, additional payment options may also be accepted, such as mobile wallets, and other types of credit cards.

Authorized Credit Card Systems Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Mobile Commerce
  • Online Payments
  • Payment Gateway

Authorized Credit Card Systems Billing & Invoicing

  • Mobile Payments
  • Online Payments

Authorized Credit Card Systems Advertising & Sales

One of the foundations that Authorized Credit Card Systems is built upon is that the company is committed to soft-selling their merchant customers. This company states that it does not believe in high-pressure sales, and this appears to be true. Authorized Credit Card Systems does not work with independent sales agents, although the company does have partnerships with various processors, so it is possible that it relies on them for at least some of its business. There are no online complaints about this company’s sales practices.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Authorized Credit Card Systems Pricing, Rates & Fees


Authorized Credit Card Systems states on the company website that its merchant customers should expect to pay between 0.5% and 3% per transaction. This company offers “effective rates,” which it describes as the sum of all monthly payment processing fees divided by the total volume of transactions that have been processed for that merchant.

The company does not disclose any additional fees, but merchants should expect to pay fees for virtual terminals and payment gateway integration. There are also other fees to consider as well, such as monthly fees and batch fees, which the company’s website does not discuss.

Pricing at a Glance

Pricing Model


Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee

Equipment Lease Terms

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum

Statement Fee

Authorized Credit Card Systems Contract & Terms

Authorized Credit Card Systems does not lock merchants into long-term contracts. The website states they do not have them, although merchants should expect some type of contract that operates on a month-to-month basis.

This company does not lease its payment processing equipment. All POS systems and credit card terminals are given to merchants free of charge.

Some merchants may need to pay an early termination fee of up to $350, depending on what is specified in their contract.

Contract Length


Early Termination Fee


Authorized Credit Card Systems Setup & Support


The Authorized Credit Card Systems website is not clear about how long it might take to get set up to begin processing payments. It does mention that all equipment should arrive ready to use, with all necessary software installed.

Merchants using a payment gateway or virtual terminal may be able to get started with processing payments in as little as a week.

This processor has a general phone number and email listed on its website for customer support. It offers 24/7 support to merchants that are located within 2 hours of Austin, Texas.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Authorized Credit Card Systems Complaints, Ratings & Reviews

BBB Rating

Authorized Credit Card Systems has been an accredited business with the Better Business Bureau since 2009. The company currently has an A+ rating with the BBB and has not received any complaints in the last three years.

Other Online Reviews

There are no other online reviews or complaints about Authorized Credit Card Systems.



A+ and has been Accredited since 2009. (0 Reviews; 0 Complaints)






6 review


Total Online Reviews


Total Online Complaints




Authorized Credit Card Systems Alternatives


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