Platinum Choice Bancard, LLC fees & rates information comments reviews feedback
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Platinum Choice Bancard Merchant Service Review
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What the Company Appears to Offer
Platinum Choice Bancard, LLC (PCBancard) is an independent ISO and merchant services provider delivering a broad suite of payment processing solutions. Their offerings encompass:
- Traditional credit card processing
- Dual Pricing Program (to help merchants offset processing fees)
- B2B level 2/3 processing for corporate/business cards
- Innovative technology stack, including:
- Point of Sale (POS) systems
- Smart payment terminals
- Virtual terminals & eCommerce integrations (with BigCommerce)
- Mobile payment solutions
- Value-added services including ACH & invoicing, check acceptance, gift card programs, and cash advances/business loans
Who They Serve / Typical Merchant Types
PCBancard serves merchants of all industries and sizes, with a primary focus on small to mid-sized businesses. Their solutions are suitable for retail, eCommerce, B2B, and service-oriented merchants.
Where They Are Based
Corporate headquarters: 26255 Bristol Dr, Southfield, MI 48076
Phone Number
Main customer support: 800-518-9094
How Long in Business
Founded in 2016, with approximately 8 years in business as of 2024.
What Merchants Should Verify
- All pricing and fee details (ask for full rate schedule)
- Contract length and auto-renewal terms
- Early termination and cancellation fees (ETF)
- Equipment lease or rental agreements (terms for returns or buyout)
- PCI compliance requirements and associated annual/MSP fees
- Batch, minimum monthly, gateway, and statement fees
- Funding schedule and policies regarding holds/reserves
- Chargeback and dispute support procedures
How to Evaluate Them
- Ask for complete fee and surcharge breakdown
- Understand cancellation processes and possible equipment return penalties
- Test responsiveness of customer support before signing
- Seek clear, written communication on contract and fee terms
- Research third-party user experiences for recurring issues or red flags (such as delayed funding or surprise charges)
- Be wary of high-pressure sales tactics or reluctance to disclose full terms in writing
Share Your Experience
If you've worked with Platinum Choice Bancard, LLC, please consider sharing your review. Provide details-positive or negative-about rates, transparency, equipment agreements, customer service, funding timelines, chargeback handling, and cancellation experience. Be specific where possible (e.g., contract dates, types of fees, support interactions). For your security, do not include sensitive information like full card numbers or Social Security Numbers.
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