Overview
RPS Bancard LLC is a merchant services provider headquartered in southern Oregon and registered as an Independent Sales Organization of Wells Fargo Bank, N.A., Concord, California. The company was formed in 2017 by Justin Wise and operates from a Medford office, with a Wells Fargo sponsorship listed in Visa's service-provider directory under the name RPS Bancard, LLC. It serves small and medium-sized merchants nationwide.
Services
RPS Bancard resells card acceptance for in-person, mobile, online, and integrated environments. Its product mix includes Clover countertop devices, a mobile virtual terminal that pairs with a plug-in card reader on Android and Apple phones, a hosted Customer Vault for stored card data, eCommerce gateway connections (Authorize.Net and eProcessing Network), the QuickClick HTML button generator, an electronic invoicing tool, the iSpy fraud-screening suite, and QuickBooks SyncPay for accounting integration.
Industry Focus
The company markets a dedicated firearms-merchant program for federally licensed dealers, sporting-goods retailers, and ranges, an industry that traditional acquirers often classify as high risk. It also runs a "2% Certified Business" program under which a portion of revenue from participating accounts is directed to community causes selected by the merchant.
Pricing
RPS Bancard does not publish processing rates, monthly fees, equipment costs, or contract terms on its public website. Pricing is quoted on a per-merchant basis after a discovery call with a sales representative, and the company markets "competitively low total processing costs" without further detail.
What User Reviews and Expert Content Report
According to user reviews and expert content, RPS Bancard operates on the standard ISO model used by Wells Fargo-sponsored sales organizations, in which the merchant signs a processing agreement with the sponsor bank and is billed for interchange pass-through, a processor markup, monthly account and statement fees, and equipment lease or purchase costs. Reported terms and rates vary by merchant profile, card-acceptance method, and the specific hardware or gateway selected. Merchants in the firearms vertical are reported to pay higher discount rates than retail merchants in lower-risk categories, consistent with how Wells Fargo and its ISOs handle that classification across the industry.
Contact
Ownership/Leadership: Justin Wise
Address: 711 Medford Center, Medford, OR 97504
Phone: 888-222-8984
Website:rpsbancard.com
Merchant Reports
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