Optimal Bankcard Review


Optimal Bankcard proudly declares on its homepage that it offers "reliable, low cost credit card processing", and the evidence certainly seems to back up that contention. Although Optimal Bankcard itself only seems to have been established very recently, it is an offshoot brand of Commerce Payment Group, the well-known payment solutions provider that has been around for many years. The firm offers a broad range of products and services for those wishing to accept card payments in a retail or ecommerce store. It also has a B- rating with the Better Business Bureau (BBB), on a scale of A+ to F.

Visit Optimal Bankcard
(888) 440-8472


Whether you have a retail store at which you would like to provide more efficient processing of your customers' credit card payments, or you are seeking a secure checkout solution for your ecommerce store or even a solution enabling on-the-go payments via a mobile device, you are sure to find what you require at Optimal Bankcard.

The company offers various credit card merchant machines to choose from to suit the widest range of business needs. Its other offerings include a dedicated mobile app for the acceptance of credit cards at the likes of trade shows or markets, usable with an Apple iDevice or Android phone, while one can also take advantage of virtual gateway solutions like Authorize.net or PayTrace.

Optimal Bankcard also goes as far as stocking wireless terminals for making wireless payments in the palm of your hands, together with such other solutions as smartphone swipers, PIN pads and check readers.

Service Ideal For:

The services of Optimal Bankcard would seem to especially suit new business start-ups and smaller firms, both online and offline, in part due to the sheer range of solutions available, but also because of such perks as the company's flexible rate structure and lack of locked-in contracts or termination fees. All of this, combined with the strong 24/7 customer support offering, gives you a pleasant experience as a client while also enabling you to cancel at any time with no adverse consequences.

Sign Up Process:

You can kick-start the registration process immediately by phoning the number that is prominently displayed on the homepage, or clicking the 'Apply Now' button. The latter leads you to a page outlining the many benefits of the company's services, along with a simple online form requesting your name, phone number and email address. If you submit this form during regular business hours, you can expect to be called back by a representative within just 5-10 minutes. Otherwise, you will be contacted on the next business day. 98% of applications are approved, which often takes place within a mere two hours.


Rates start as low as 0.25% for the use of debit cards with Optimal Bankcard's retail/swipe and mobile/wireless services, rising to 1.40% when credit cards are used. A $4.95 monthly fee applies to both of these services. Meanwhile, the debit rate for mail order/ecommerce is 0.45%, increasing to 1.69% for credit cards, a monthly fee of $9.95 being charged. The terminal and setup are both free at Optimal Bankcard, irrespective of which of the aforementioned three solutions you choose. Although monthly fees may be charged, there is no contract.

Basic Pricing:


Credit Card Fees - Retail


Online Account Fees – No Card Present


Ease of Use:

Almost every aspect of Optimal Bankcard's service screams "ease of use", from the swift and hassle-free setup process to the well laid-out online reporting interface which is, by the way, also free, and gives a quick and convenient overview of your firm's transactions and processing activity. Even the website is a pleasure to navigate, all essential information able to be found with little trouble. We were impressed by Optimal Bankcard - it's certainly hard to imagine a more complete credit card processing provider.

Visit Optimal Bankcard
(888) 440-8472


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