Bankcard Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

High-risk merchants in need of payment processing services at a lower cost.

Specializes in

Bankcard specializes in working with high-risk merchants to offer them payment processing services. This company offers zero-cost credit card processing.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: Unknown

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Visit Bankcard

Bankcard Services is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.

This company offers payment processing services through payment gateways and POS systems, and it specializes in working with high-risk merchants.

The Bankcard website does not have an About Us page and there is no additional information to be found about this processor online.

Bankcard Overview


Bankcard Services is located in Bingham Farms, MI. This company is a registered ISO of Wells Fargo Bank, and it specializes in providing payment processing services to high-risk merchants.
Bankcard offers a way for merchants to obtain zero-cost credit card processing by passing along the processing fees to the consumer. The company also works with offshore merchant accounts. Bankcard provides POS systems, payment gateways and this company can also integrate with merchants’ existing payment processing software. There is very little information available online for this ISO. The company’s website does not have an About Us page, and there are no reviews for its products or services.

Quick Facts

Head Quarters


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

Bankcard Products & Services


Hardware & Software

It appears that Bankcard offers POS systems through Clover, according to the company website. Retail and other brick and mortar businesses have the option of several POS systems, including countertop and mobile payment processing solutions.

Bankcard utilizes its own payment gateway called Bankcard Connect. This software integrates with many other programs, including QuickBooks.

The company can also integrate with state EBT systems in order to allow merchants to accept EBT payments.

Value Added Services

Bankcard does provide many value added services for its merchant customers. They include the following:

Gift card program - Tailored solutions that include custom cards and carriers and gift card bundles.
Loyalty program - Customer rewards for loyalty that includes real-time reporting and analysis.
On-site ATMs - Three different options are available for ATM payments.
Business loans - Capital funding for merchants to grow their businesses and begin planning for the future.

Supported Payment Types & Services

Bankcard Services supports several different types of payments, including:

All 4 major credit cards, although the terms for processing American Express payments may differ.
Debit card payments
EBT payments
ACH payments
Checks and electronic checks
Gift cards

Bankcard also supports subscription billing and processing for recurring memberships, services and products.

Bankcard Payment Processing

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

Bankcard Billing & Invoicing

  • Mobile Payments
  • Online Payments

Bankcard Advertising & Sales

The Bankcard services website advertises fair, transparent rates, as well as the availability of custom pricing. There is no indication that the company is advertising deceptive rates or terms. It appears that Bankcard uses a combination of independent sales consultants, partnerships and an inside sales team to market its services. The company’s contact page has a link to the sales department. There is also a Partners page that is marketed toward ISOs and agents, which suggests that the company is searching for others to promote its products and services.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Bankcard Pricing, Rates & Fees


Bankcard states on its website that the company offers fair, transparent pricing and rates with customized pricing available to merchants, if needed.

Merchants can tailor their pricing to meet their unique needs. In-person and retail payments are listed at a rate of 2.3% +$0.10 per transaction. For card-not-present payments, the rate is 3.3% + $0.15.

With both types of payments, merchants have the option to pass along those transaction fees to their customers. Bankcard advertises no set-up fee and no monthly charge for merchants that are processing more than $5,000 per month in credit card transactions.

The company is not clear about pricing for merchants processing less than $5,000 per month.

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

Bankcard Contract & Terms

There is no language on the Bankcard website that indicates any information about the contract and terms.

Contract Length


Early Termination Fee


Bankcard Setup & Support


There is no indication about how long it might take for merchants to get set up with Bankcard as their payment processing service if they need POS systems as well. On the company’s website, the Developers page states that merchants can get set up in minutes with the company’s VARs and ISVs.

The Bankcard Services website has a Contact page that offers links to sales and support. They also list a company phone number, but it appears that this is a general phone number. The support page lists some frequently asked questions and it has a contact form.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Bankcard Complaints, Ratings & Reviews

BBB Rating

Bankcard Services, Inc. is an accredited business with the Better Business Bureau. This company has an A+ rating on the BBB website.

The BBB website states that the company has been in business for 11 years and accredited since June of 2011. There are no customer reviews or complaints listed on the site.

Other Online Reviews

There is very little information available online regarding Bankcard Services, Inc. reviews. The one review that was found only had one comment, and the commenter gave the company 4/5 stars and stated that the company’s pricing is transparent due to offering interchange plus pricing. The commenter also stated that customer service was very responsive.











Total Online Reviews


Total Online Complaints




Bankcard Alternatives


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