BankCard USA Review


BankCardUSA is one of the longest standing merchant services providers on the market, having been in operation since the pre-online days of the early 1990s. With a service now centered on internet based payment processing, the company has gone through an impressive translation in its 20+ years of life. With a focus on customer service, transparent pricing and business-friendly fees; BankCardUSA has easily amassed more than 85,000 customers since its inception in 1993. The Thousand Oaks-based company has also been accredited with an A- rating by the BBB, so businesses can feel confident entering into a partnership with the Californian firm.

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There's no denying that its primary market is that of the start-up, small and young companies. One of the most attractive, possibly unique, features on offer from BankCardUSA is the Low Price Guarantee. Not only will the company match any competitor's rates, but it will also reward/compensate you with $1,000 cash for finding a lower rate than theirs. Online businesses can look forward to a personalized payment gateway, whilst physical retailers will be excited to hear of the wide range of PoS terminals on offer.

The systems on offer from BankCardUSA are flexible and adaptive, meaning that businesses shouldn't have to alter their existing processes or equipment. The use of an Authorize.Net online payment gateway is also a fantastic touch for flexibility.

Service Ideal For:

BankCardUSA is definitely a merchant service aimed at the online or travelling merchant. This doesn't mean that established retailers with a number of outlets wouldn't find any improvement in this partnership, they definitely would, but the best features lie in the online/mobile market. The free set-up and low fees are particularly attractive to younger and smaller companies.

Signup Process:

As with most merchant service providers, you can apply for an account through the website or over the phone. The first option will require you providing details for a call back, so it might be easier to simply give the sales team a call yourself. Armed with information about you as an individual and your company, you will work with BankCardUSA to build the most appropriate plan for your needs. 9 out of 10 applications are approved and most businesses are start accepting credit card payments within days.


It can be difficult to attach a price to the individual services from BankCardUSA because all packages will vary depending on the needs of the individual business. It's safe to say that the company safely falls into the 'affordable' category though, not to mention the Low Price Guarantee! The crowning glory is the lack of contracted lengths with BankCardUSA, come and go whenever you want.

Basic Pricing:


Credit Card Fees—Retail:

1.29% - 1.59%$0.05Varies

Online Account Fees—No Card Present:

1.69% - 1.99%$0.05$0.05

Ease of Use:

Businesses utilizing BankCardUSA for an online merchant service will find the whole process extremely intuitive and straightforward. That's not to say that outlet retailers will struggle, but there are a few more stages in the process. Overall BankCardUSA is very business-oriented and intuitive. An outstanding customer support model reduces the risk of anything going wrong, but we'd be surprised if you could point out a fault with the Californian firm.

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