First Card Payments Review

November 24, 2021

First Card Payments prides itself on offering “a solution for every business.” They also claim to accept all businesses while offering the lowest fees and a fast approval process. This is part of their appeal to high-risk merchant accounts.


The high-risk merchant accounts from First Card Payments are designed to work for businesses that cannot easily find payment processing. For the last 20 years, the company has been providing high-risk credit card processing and other payment methods to these companies.

It is worth taking a closer look at some of the services that First Card Processing offers.

  • Domestic or Offshore Solutions

Importantly, First Card Payments offers solutions to both domestic and offshore companies. This is particularly helpful for international companies.

  • ACH and E-check Processing

ACH payments go directly between bank accounts, and they usually have lower processing fees than you would pay with credit cards. They also work with recurring billing. ACH also features unlimited volume and check verification. As a bonus, it is harder for customers to dispute ACH payments than credit card payments.

E-checks are even easier to get approval for and offer same-day deposits with unlimited volume. They also benefit from the lower fees associated with ACH and are harder to dispute.

  • Online Processing Gateways

The convenient online gateways for payment processing are encrypted to give you peace of mind regarding security.

  • Chargeback Mitigation

High-risk merchant accounts also get to take advantage of chargeback mitigation services. These improve your credit ratio and save you money on chargebacks. The chargeback mitigation services give you a warning about a potential chargeback 24 to 78 hours before it occurs. This gives you time to reach out to the client and come to an agreement.

  • Business Funding

High-risk merchant accounts tend to struggle to get working capital in addition to payment processing. First Card Payments can help with both, the former of which comes from its business funding services. In addition to getting business funding from First Card Payments, the processor typically gets you rates that are about 10 points less than the competitors.

The merchant cash advances typically have approvals within 24 to 48 hours, and the funds get deposited the same day you are approved.

  • Nextiva Services

First Card Payments partners with Nextiva, saving its clients as much as 65% on monthly business phone bills. It also includes multi-channel support, live customer chat, a custom chat builder, SmartTopics, and tracking for leads and customers, among other features.

  • Panama Call Room

This service lets you take advantage of a call center in Panama that First Card Payments partners with. The location of the call center means it is in the same time zone, and there are a lot of native English speakers there. The call center also includes a 24/7 live camera feed of employees.

  • SEO Services

First Card Payments also partners with Zulushack Digital to offer SEO services. These include content creation, technical SEO, UX curation, and link acquisition.

  • Web Development Services

The partnership with Zulushack Digital also lets high-risk merchant accounts take advantage of web development services.

Firstcard Payments services

First Card Payments Rates

According to First Card Payments, you can instantly save 25% by switching to them. This happens for most customers who choose to switch to this processor. The company also offers free consultation to prospective clients.

Moreover, there are no fees for cancellation or early termination. Nor are there any setup or application fees.


High-risk Industries First Card Payments Serves

As mentioned, First Card Payments prides itself on accepting companies from all industries. This includes high-risk industries where merchants typically struggle to find payment processing. Examples of some of the high-risk industries they accept include:

  • Adult
  • CBD
  • Collection agency
  • Credit repair
  • Document preparation
  • Debt relief
  • Nutraceutical
  • Auto warranty
  • Airlines
  • Firearms
  • Bail bonds
  • Auto transport
  • Bail bonds
  • Business opportunities
  • Gambling
  • Casinos
  • Cannabis
  • Continuity
  • Debt consolidation
  • Diet programs
  • E-cigarettes and vapes
  • Fortune tellers
  • Educational seminars
  • Gambling advice
  • Forex
  • Jewelry sellers
  • Moving brokers
  • Online exercise equipment
  • Online dating
  • Penny prepaid cards
  • Travel agencies
  • Social networking websites
  • Water purifiers
  • Web hosting and design

Other Notable Features on First Card Payments

There are also some other features of First Card Payments that you should be aware of before applying for high-risk credit card processing.

  • 30+ Bank and ISO Partners

First Card Payments works with more than 30 ISOs and banks. This helps them offer competitive rates and approve everyone, as you have numerous options of banks. The range of banks and ISOs also helps prevent your accounts from becoming inactive, frozen, or closed via the use of backup accounts.

  • 20 Years of Experience

The company’s two decades of experience also helps shape its services, bank partnerships, rates, and customer service. The fact that it has been around for so long gives you confidence in the company and helps them deliver customer satisfaction.

  • Full Integration

The high-risk credit card processing from First Card Payments is designed to integrate fully with your existing software. This includes shopping carts, CRMs, and accounting software.

  • Month-to-month Contracts

You can choose to get a month-to-month contract for high-risk credit card processing. This lets you avoid cancellation or early termination fees.

  • Building Relationships

Instead of just making a sale, First Card Payments does its best to build relationships with its high-risk merchant accounts. They want their customers to know that they are there for them throughout the years.

  • Customer Support

The customer support from First Card Payments is excellent, including a personal consultant for each client.

First Card Payments Reputation and Reviews

Firstcard Payments logo

There are not many reviews or ratings for First Card Payments online. While this may seem odd given the company’s more than 20 years of experience, it is likely because their business name is very similar to other companies. That being said, just the fact that First Card Payments has been around for two full decades should give you extra confidence in them.

On top of that, they have an A+ rating from the Better Business Bureau. The only caveat is that they are not BBB accredited, but this is not necessarily a bad thing. After all, the BBB technically has no authority, and it may simply indicate that First Card Payments never applied for accreditation. Another positive sign from the BBB is that there are no complaints registered against First Card Payments.


The company specializes in high-risk industries and claims to approve nearly every business. With First Card Payments, high-risk merchant accounts can use high-risk credit card processing and ACH transfers. Moreover, most businesses will save 25% or more by switching to First Card Payments. You can get a quote from them as part of a free consultation without any obligations. Keep in mind that, as is common in the industry, you need to get a quote to discover the rates for your business as the company doesn’t list them on its website. This lets it customize rates and services based on customer needs.

First Card Payments appears to offer all of the basic services that high-risk merchant accounts need, such as payment gateways and credit card and ACH processing. Their system is also likely to integrate with your existing software, making setup easy and affordable.

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