Certified Payment Processing Review

Certified Payment Processing Review



Certified Payment Processing (CPP) is merchant service provider that along with Summit Merchants Solution and TransTech Merchant Group falls under the same ownership of First American Payment Systems (FAPS).  In accordance with their profiles on BBB, they were established in 2005 and are based in Carrolton, Texas.

Although they have not been in the business for long enough, lots of complaints have been filed against CPP and its sister companies. You can look into the subsection below to check out the similarities that I found among most of the filed complaints.

Moreover, an early termination of the account charges the merchant with an unexpected high amount as Cancellation fee. For more info on it see subsection Cancellation Fee below.

Judging from the number of complaints and high cost of early termination, I would suggest you to go with other provider. After all this industry has many more providers who does not charge for cancellation also holds a better reputation.

I have scored Certified Payment Processing 2 out of 5.

Date Established:

Carrolton, Texas.

Domain Name(s):

Parent/Partner Company:
Certified Payment Processing is owned by First American Payment Systems, and is part of a three company conglomerate including TransTech Merchant Group and Summit Merchant Solutions.


Acquiring Bank(s) (Acquirer):
Fifth Third Bank.

Payment Processor(s):
First American Payment Systems.

Payment Gateway(s):
Authorize.Net or FirstPay.Net 2.0.


Trust Symbols:
Certified Payment Processing shares the same BBB profile with one of its sister companies TransTech Merchant Group. You can find the profile here. They have a “D” rating and 75 complaints as of this update.

Negative Reviews/Complaints:
You can find some complaints against Certified Payment Processing here and here.

You can also search for reviews and complaints related to CPP’s sister companiesTransTech Merchant Group and Summit Merchant Solutions.

Common Complaints:
Below I have discussed some of the problems that I found  similar among most of the complaints.

  • Expensive terminal lease contracts through Merimac Capital: Many of the merchants are complaining that they were not informed about 4-year contract of terminal lease. Leases are only appropriate for large organizations that have a requirement of lots of terminals but don’t have the upfront finances to make the purchase. Leases can definitely be lot beneficial for processors who push them and National Processing Company appears to be one of such processors. Fortunately, nowadays most of the processors have abandoned them since leases are quite unfair on the part of the merchant. Especially for small merchants who usually require only few terminals, it’s quite unreasonable to get stuck into the lease thing, when you can purchase them at much lower cost. Nowadays there are many providers in this industry who don’t involve you in any such contract. So you can surely consider such other merchant account providers in this case.
  • Large number of complaints from former sales reps: What’s disconcerting is the number of complaints that I found fro former sales agents. Looks like CCP is a “hiring mill” that mainly concentrates on recruiting independent or in-house sales agent who are paid on making a sale. This hiring practice always focuses to train agents on to sell expensive merchant accounts in exchange for high commissions. Such agents know little about the actual process and the merchants end up stuck in no-profit deals.
  • High cancellation fee:  If you terminate your contract earlier than its actual termination date then the least you have to pay is $495 or may be more. For more information about their cancellation terms you can look into Certified Payment Processing’s agreement. Here is what it says: “MERCHANT agrees to pay bank/processor early termination fees established by Bank, but in no event less than four hundred ninety five dollars ($495.00) for each MERCHANT location, plus any and all losses (including consequential damages and loss of profits, costs, expenses, and liabilities) incurred by Bank in connection with termination.”
  • PCI compliance fee:  Besides the fact that PCI compliance is an essential requirement for merchants who accept credit cards for their business, it does not mean that processors are being reasonable to charge for such compliance. Many of the clients are reporting that CCP charged them with $124.74 per year as fee for providing PCI compliance.


Verifiable Testimonials/References:
No verifiable testimonials on the Certified Payment Processing website.

No on-site security features (i.e. McAfee, Security Metrics etc…).

Customer Service:
I haven’t dealt with CPP’s customer service, so it’s difficult for me to make an assessment here. If you’ve been a customer of Certified Payment Processing, please let us know.

Contract Duration:
3-years (auto-renewing).

Cancellation Fee:
Incase of an early termination they charge merchants with a Liquidated Damages sort of fee where you will be charged $495 or more for every single location together with the damages and loss of expenses profits, costs and accountabilities that result from that cancellation.

Interchange-Plus Pricing:
Interchange-plus is offered by CPP.

Seasonal Downtime:
Seasonal downtime is also offered by CPP.

Product/Service Offering:
Retail (Credit/Debit), Online/e-Commerce Payments, Secur-Chex, Gift & Loyalty, ATM, Cash Advance, Recurring Billing.

Product/Service Specialty:


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