First Choice Payments Overview
First Choice Payments is a merchant account provider that appears to be a DBA of Wholesale Merchant Processing and its related businesses. Numerous sources suggest that Smart Choice Payments, Wholesale Merchant Processing, and North American Processing Solutions are all DBAs of First Choice Payments, although the exact corporate structure linking them is unclear.
The Smart Choice Payments website describes that company as “First Choice Payments, LLC doing business as Smart Choice Payments.” First Choice Payments is also registered in the state of Oregon at the same address as Wholesale Merchant Processing and Smart Choice Payments, although the First Choice Payments website provides an address in Nevada. This address is the site of a UPS Store, which might mean that the First Choice Payments website is simply listing a mail forwarding address on its website.
First Choice Payments’s products and services include credit card terminals, PIN pads, mobile processing solutions, online payment gateways, point-of-sale systems, gift and loyalty programs, and merchant cash advance. The company provides phone and email contact information on its website, but it’s not clear if these lines are reserved for customer support. Todd McCartney is the authorized representative of First Choice Payments.
At a glance
Location: Beaverton, Oregon
Acquiring bank: Wells Fargo Bank
Phone number: 866-440-8400
E-mail: [email protected]
Online reputation and reviews
First Choice Payments has received only a few public complaints from merchants, which draws a stark contrast with its affiliated companies. The available complaints mention unauthorized charges, agent misrepresentation, long-term equipment leases, and poor customer service. First Choice does not appear to operate in a distinctly different manner than Wholesale Merchant Processing, Smart Choice Payments, and North American Processing Solutions, so it’s unclear why it has received fewer complaints. It’s possible that it is a less active DBA within the group; after all, there is no Better Business Bureau page for the company and it does not appear to maintain a separate physical location. In any case, there is no obvious reason to evaluate First Choice Payments independently of its partner businesses.
Legal actions and lawsuits
There are no outstanding or recently resolved legal actions related to First Choice Payments at this time.
Have you used First Choice Payments for your business? Rate the company at the top of this post and tell us about your experience in the comment section below: