As of this review, Capital Bankcard has an “A” rating with the Better Business Bureau and has received 14 complaints filed with the BBB in the last 36 months. Capital Bank Visa® Platinum Cash Rewards Credit Card is a cashback credit card issued by Capital Bank. Capital Bank N.A., is a Maryland chartered commercial bank offering business and consumer banking services through branches in the greater Washington D.C. metropolitan area alongside two nationwide lending brands: Capital Bank Home Loans, their mortgage division, and the OpenSky Secured Visa Credit Card. quote in an apples-to-apples format with Need expert help? Capital Bank VISA ® Credit Cards. All of them are 5 stars, they say an employee named Matt is the best, the company has great rates, no cancellation fees, no contracts, no service fees, and…wait, all of these reviews are posted around the same time frame, mention Matt personally, and one of them thinks they are using Capital One as a processor. It sounds scary because it is. There aren’t an overwhelming number of bad reviews for Capital Bankcard, but the main complaint seems to be deceptive bait-and-switch sale practices. Opensky bank account payment issue. Capital Bankcard offers the popular Authorize.Net gateway for those who need to accept payments online; whether as a means to connect with customers through your website or to facilitate mail/phone orders. With Capital Bankcard you have options for accepting payments on your smartphone or using a wireless terminal so you can take payments wherever a sale takes you. Not only do they help you make purchases, but they can build your credit history and credit score. If need be, we can re-open your quotes so you can look at other options. How we chose the best Capital One Credit Cards. Capital Bankcard’s website boasts free terminals for anyone who signs up to process with the company. You cannot access any of your account information online. Debit PIN entry: $0.25, Keyed and internet rates I've read so many negative reviews but honestly I haven't … Comenity Capital Bank provides branded private-label and co-branded credit cards to consumers of various retail establishments. Capital Bank Visa® Secured Platinum Credit Card Review. Whether you take magstripe cards, EMV chip cards, or contactless payments, Capital BankCard offers full featured point-of-sale systems or standard terminals that can get the job done. As such, this review contemplates the data from when its verified profile was last accessible. Capital Bankcard also states in its FAQ section that it typically has a 3 year contract term, but information about fees is not published. Free terminal offers are sometimes bundled with excessive fees that quickly make up the cost. Thanks! The scope of this BBB Business Profile concerns Comenity Capital Bank. Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Copyright ©, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). One because I kept receiving emails saying that my account qualified for an upgrade. I know hard to believe,right ? NerdWallet’s editorial credit card ratings are awarded on a 5-star scale based on how much value they provide to the user. serv I know we will be working together for a very long time. quote, and it allows you to compare this Earn unlimited 1.5% cash back on every purchase, every day. The company resolved three complaints to the merchants’ satisfaction, while the other 11 either were resolved to the dissatisfaction of the merchant or did not receive a final assessment from the merchant. I've tried calling 3 times to get my account cancelled only to end up on a wild goose chase. Capital Bankcard is a merchant account provider that serves as an outside sales branch of Cayan. These reviews also allege that customer service is unreachable when you have an issue. Most of Capital Bankcard’s accounts are brought in by independent resellers who have a certain level of pricing control in the merchant account agreement; however, Capital Bankcard seems to consistently promote fair pricing and flexible contracts. Save your time and money work with a company who doesn’t disappear after they close the deal or decided to find any and every way to nickel and dime you. Not to worry! A virtual terminal is a great option for call centers and it can also be used to set up scheduled and recurring payments. When used responsibly, credit cards are a valuable tool. How we rate credit cards:. There are 8 glowing reviews on Yelp listed under Capital Bankcard at a California location. This is a great card for anyone who was not so "credit educated " and might of made some mistakes and is looking to rebuild their credit. Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. to this representative inviting him/her to I’m a small business owner who previously worked in the credit card processing industry. Had difficulty understanding employee, no help. It is not intended as legal or financial advice. When my friends and family get credit card offers I always tell them go with Capital One. email, you can also provide your unique There's no cost to the processor to place a I only signed up for this processor because of my web developer uses them... Had to call my bank and dispute charges. If you're wondering whether Capital Bank Visa® Platinum Cash Rewards Credit Card is the right card … Capital Bankcard does not list any misleading quotes or unrealistic guarantees on its website. allows customers to purchase items or services easily through your website and integrated shopping cart. Look before you leap into to a merchant cash advance, though. Would recommend Capital Bankcard South to other Companies needing to offer financing on their tickets. It also features a virtual terminal that allows you to key-in transactions on any online computer. I look forward to a long productive business relationship. The remaining complaints tend to cite customer service issues. Its pricing ranges from industry-average to those competitive with even the cheapest merchant accounts. NOT so, they have recently started charging me an extra $125 per month for “PCI non-compliance” — when I challenged them on this I was told I had to ensure my network was “compliant.” I completed a 200+ question form and then they scanned my “network” — (I use a mobile device for customer credit card charges) and it repeatedly “failed” their scan. Capital Bankcard publishes the following pricing information but keep in mind that the use of the word “Qualified” suggests that the company is using a tiered pricing model. Their hidden fees will kill you. Want CardFellow as your personal processing consultant? My sales associate Eric is awesome, always there helping me set up and knowledgeable . Debit? Both programs have tracking features as well, so you can keep an eye on spending habits and record useful customer information. Our free service allows you to receive and compare pricing from any processors you choose, without the hassle of sales representatives. Instead of sending an invite through Check your eligibility for Capital One credit card offers with no impact to your credit … Qualified credit: 1.54% An older version of the Walmart credit card was issued by Synchrony Bank, a popular issuer of retail rewards cards. O% Markup + $0.08 per transaction, month-to-month, no contract, no PCI Compliance fees, no batch fees, no statement fees, no downgrade fees, no junk fees of any kind. If you need assistance don’t bother calling customer service its always a run around. At that point I chose to close my account and switch to another card processor, and was told told that since I cancelled after the 5th business day of the month, I would be charged a full months fees, even though I have had no transactions! I switched to them under the assurance their processing fees were lower th...". For a refund. 10,035 reviews. There have been 16 complaints closed in the last 3 years. This, combined with company’s low complaint rate, seems to indicate that its agents are generally forthright when it comes to rate quoting and contract term disclosure. I will never do business with a company that violates the law. Capital Bankcard has been in business since 1998 and boasts that it manages over 80,000 merchant accounts, processes over 7 million transactions per month, and has over 170 dedicated employees. Write a review about it. Optional gateway fee: $12. Fraudulent charge on my SavorOne credit card with Capital One was attempted at 4am (my local time) for multiple hundreds of dollars. It is locked. Capital Bankcard is headquartered in One Federal St, 2nd Floor Boston, MA and Henry Helgeson is the CEO of the company. The Capital One VentureOne Rewards credit card may be the right fit for you if you are looking for a low-cost card to help you rack up a modest amount of miles. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. Get the credit you need with no annual fee. Opensky. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. Trust someone like paypal. Unauthorized debits and held funds are also reported. Given the company’s complaint rate and resolution ratio, we have slightly adjusted the BBB’s rating to a “B” at this time. This Post Might Help: Best Merchant Accounts for Locksmiths. The Capital One Platinum Credit Card * is a card worth considering for those looking to establish or rebuild credit. Once you click "Send" we will send an email No commitment, low fees, and great support. It is a Secured Credit Card by Open Sky Visa with No CREDIT CHECK !!! Its popular rewards cards, like the Capital One Venture Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card, are for people with good or excellent credit. We don’t mean to be a pain, but you can’t get more quotes at the moment because you already chose one. I switched to them under the assurance their processing fees were lower than square. We were using Square– couldn’t get anyone on the phone, when they (Square) balked at processing $10k+ transactions, creating crisis and headaches for us, we contacted Chris Kille with Capital Bankcard. The only word of caution regarding Capital Bankcard is to be sure to deal with an agent you trust and compare their pricing to top-rated overall merchant accounts. All that remains on the BBB website is a profile bearing the company’s name and logo in Fort Wayne, Indiana. This is helpful to others that are considering this processor. As such, this review contemplates the data from when its verified profile was last accessible. Per-transaction fee: $0.10 - $0.15 Strategies for reducing and recovering funding holds and chargebacks. The rep says to mail them a letter. plus keeps me updated on what Capital has available. they help me thru it and all good to go even got my reader, it came with 2 little rubber duckies for my kids,they love them, kind ,helpful. "Capital Bankcard is just a fee-driven rip off of small businesses! This website uses cookies to ensure you get the best experience. The company also offers gift/loyalty programs and cash advances. We may earn revenue if you obtain services from a provider that we recommend. Typical credit card processing company “we can save you money” but they don’t. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Learn more about our monetization policies here. We are in an indutry where getting a processing account is difficult at best. Capital Bankcard can get you set up to accept all major brands of credit and debit (though American Express may require separate approval). We do few transactions but large transactions leaving a lot of risk to the processor. Capital Bankcard rates as one of the better merchant account providers in the credit card processing industry according to our criteria. The positive review claims great service with Capital Bankcard (in case you were curious, it … The company states on its website that it is working with over 80,000 different businesses. My agent is Jay, he always calls me back in a timely manner if I have a question about my account. Capital One Reviews 559 • Bad . BankSouth Platinum Visa Card; Bank of Hope Visa Platinum; Citizens Community Bank Platinum Payback Card… Unlike certified quotes offered through CardFellow, this processor’s quotes aren’t held to any standards of pricing or terms. See this page to learn how we support our operations. And, you can check out quickly and securely with your contactless card. I am on the Do Not Call List and they called to solicite to me. With 300 branches, the bank isn’t the largest but offers a variety of products, including credit cards. GM Credit Card; Capital One Bank (USA), N.A. Capital Bank offers several Visa ® credit card options. You don’t have to invest anything … Let everyone know what you think about this processor. Overall, Capital Bankcard offers low-commitment, low-cost terms to most of its merchants. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. Flat-rate travel rewards cards are hard to come by, but the Capital One Venture Rewards Credit Card is a premier example. You click on most things and it says page doesn't exist. Capital One Venture Card Review: More Details. 2 of the reviews appear to have been intended for Capital One rather than Capital Bankcard, but one describes difficulty canceling service: This merchant processor is giving us the run around. Capital One credit card credit limits The credit limits on Capital One credit cards are determined based on a review of applicants’ credit history and ability to pay. If you are interested in equipment with Capital Bankcard, they can provide a variety of options for terminals, wireless terminals, check readers, and more. Best Merchant Accounts for Great Customer Service. After 3 failed attempts we were connected with BBC. Really that simple . Capital Bankcard has 8 total reviews with the BBB as well; 7 are negative and 1 is positive. It’s important to remember that this is a small sample of the clients that Capital Bankcard serves. They got us over the hurdles and had us up and running in no time. Aside from cost, Capital Bankcard does an excellent job of servicing its merchant customers and working to resolve problems before they turn into complaints filed elsewhere. Qualified credit: 1.85% The equipment is from popular brands like Nurit, Hypercom, Verifone, and others. If he’s not avaible Chris is. No personal information is collected unless you fill out a form and submit it or call a number listed on one of our pages. The in-house support team can be reached from Monday through Friday from 9:00 am to 6:30 pm EST. The complaints of aggressive and manipulative sales tactics are also echoed by the reviewers here. 1.3. Ripoff Report has 7 complaints for Capital Bankcard. Pricing will vary by business type, processing volume, and the agents who set up the account. I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices. offer you a quote. reporting it to the relevant supervisory organizations, top-rated payment processors for great customer service. Called customer service to help with a problem. I challenged that, as was told it was “policy” and I just had to suck it up…. Every merchant processor I have worked with provided terminal paper etc free of charge however don’t expect anything from these people. Supervisor would not get on phone. Customer service is provided and the accounts are managed by Capital Bankcard’s in-house team. The company is a registered ISO and MSP with Visa and MasterCard and is also able to set up Discover Card and American Express processing, which merchants usually have to do in a separate application. LOVE this Card. As of this review, Capital Bankcard has an “A” rating with the Better Business Bureau and has received 14 complaints filed with the BBB in the last 36 months… Capital One took over Walmart’s credit card business from Synchrony on Oct. 11, 2019, and existing cardholders were converted to the new Capital One cards. Capital One credit cards do not provide return protection, and the company’s purchase protection program ranks closer to the bottom of the pack than the top. Capital Bankcard uses independent sales agents to market its services. I offer merchant account and credit card processing consultation for the following needs: Capital Bankcard is just a fee-driven rip off of small businesses! 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