Secure Payment Solutions Customer Reviews

Secure Payment Solutions, Inc. is a credit card processing company headquartered in Tyler, Texas. Per the footer of its own website, the company is a registered ISO of Wells Fargo Bank, N.A. of Concord, California and of Fifth Third Bank, N.A. of Cincinnati, Ohio, and is a registered DBA of EPX, itself a registered ISO of BMO Harris Bank, N.A. of Chicago, Illinois, Fresno First Bank of Fresno, California, and Citizens Bank, N.A. of Providence, Rhode Island.

Services

According to the company's own site, Secure Payment Solutions sells merchant credit and debit card processing, point-of-sale equipment including countertop terminals, wireless terminals, Paradise POS, and Reef Pay, merchant cash advances, and PCI compliance support. The company also markets a Free Cash Discount Program that shifts processing costs to cardholders.

Processing Rates

Secure Payment Solutions does not publish specific processing rates on its public website. The company's rates page explicitly declines to quote a rate without first reviewing a merchant's statement, stating that pricing depends on the business and its transaction volume. As reported by user reviews and expert content, SPS positions itself as a transparency-focused processor and offers a free statement analysis to prospective merchants before quoting rates.

Cash Discount Program

The company offers a Free Cash Discount Program that allows merchants to pass processing costs to cardholders who pay with a card, rather than absorbing those costs themselves.

Other Fees

Equipment terms, monthly minimums, PCI compliance fees, early-termination penalties, and other ancillary charges are not published on the public site and are quoted on a per-merchant basis after the statement-analysis consultation.

Ownership/Leadership: Jeh Holsomback and Jesse Memmel, Owners; Jay Holsomback, President

Address: 16474 CR 165, Tyler, TX 75703

Phone: 833-365-4357

Website:spscards.net