Payment Card Inc. in Columbus, OH

4.4/5

Payment Card Inc. is a merchant services processor offering credit card processing, payment solutions, and POS systems for businesses. They provide competitive rates and claim to match or beat existing processing costs.

Data compiled from public sources · Rating from CreditDoc methodology

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Payment Card Inc. Review

Payment Card Inc. operates as a payment processor and merchant services provider, functioning as a Registered ISO (Independent Sales Organization) of PNC Bank, N.A. The company serves over 500 global companies with payment acceptance solutions. Their primary business model centers on reducing merchant costs associated with accepting non-cash payments.

The company offers merchant card processing services including acceptance of major bank cards, mobile wallets (Apple Pay, Android Pay, Samsung Pay), gift cards, and electronic checks. They provide point-of-sale (POS) systems, inventory management tools, and payment infrastructure. Their advertised rates are 0.5% + $0.05 per transaction with a $9.95 monthly fee. They currently promote a $1,000 cost-matching guarantee if they cannot beat or lower a merchant's current processing rates.

Payment Card Inc. differentiates itself through personalized merchant attention, emphasis on reliable service, and multi-channel payment acceptance. They offer a free credit card machine promotion bundled with their cost-matching guarantee. The company maintains a straightforward approach to transparent pricing compared to industry norms of hidden fees and complex rate structures.

However, the company's website lacks transparency regarding contract terms, early termination fees, equipment ownership policies, and detailed pricing disclosures. There is no information about PCI compliance certifications, security standards, or dispute resolution processes. The website does not disclose whether equipment charges exist beyond the promotional period or provide specific details about transaction categories and their rate variations. Customer testimonials or case studies are absent, making independent verification of service quality difficult.

Services & Features

Business payment solutions

Credit card processing (bank card acceptance)

Electronic check processing

Equipment provision (credit card machines)

Gift card processing and management

Inventory management systems

Merchant cost optimization and rate matching

Mobile wallet acceptance (Apple Pay, Android Pay, Samsung Pay)

Point-of-sale (POS) systems

Sales and customer support

Technical specifications and integration support

Wholesale and retail payment solutions

Feature Checklist

Mobile App

Online Portal

Score Tracking

Credit Education

Personal Advisor

Identity Theft Protection

Pros & Cons

Pros

Advertised rates of 0.5% + $0.05 per transaction are competitive and clearly stated on homepage
Offers $1,000 guarantee if they cannot beat or lower your current credit card processing costs
Free credit card machine promotion available this month
Accepts major mobile payment platforms including Apple Pay, Android Pay, and Samsung Pay
Low monthly fee of $9.95 compared to industry standard of $20-30
Provides comprehensive payment solutions including bank cards, gift cards, and electronic checks
Serves over 500 global companies indicating established operational history
Offers multiple contact channels with dedicated sales and support phone lines

Cons

Website lacks critical transparency regarding contract terms, early termination fees, and long-term pricing beyond promotional period
No published information about PCI DSS compliance, security certifications, or data breach protocols
Missing details on interchange rates, batch fees, chargeback fees, and other transaction-specific charges that vary by card type
No customer testimonials, case studies, or third-party reviews available to verify service quality claims
Unclear whether equipment costs or rental fees apply after promotional period expires

Rating Breakdown

Value

5.0

Effectiveness

4.7

Customer Service

3.9

Transparency

3.5

Ease of Use

4.5

Frequently Asked Questions

Is Payment Card Inc. legitimate?

Yes. Payment Card Inc. is a registered company, headquartered in Columbus, OH.

How long does Payment Card Inc. take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters: Columbus, OH
BBB Accredited: No
Starting Price: Contact provider
Setup Fee: None
Money-Back Guarantee: No

Visit Payment Card Inc.

+1 888-707-0048 6480 Busch Blvd, Columbus, OH 43229

CreditDoc Diagnosis

Doctor's Verdict on Payment Card Inc.

Payment Card Inc. is best for established retail businesses and merchants seeking to negotiate lower credit card processing rates with transparent, competitive pricing. The primary caveat is that their website provides insufficient transparency regarding contract terms, hidden fees, security compliance, and what happens after promotional periods end—information critical for informed merchant decision-making.

Best For

Small to mid-sized retail businesses seeking to reduce credit card processing costs
Merchants currently locked in high-rate processing agreements looking to negotiate better terms
Multi-location businesses needing POS systems with integrated payment processing
Retailers wanting to accept diverse payment methods including mobile wallets and gift cards

Updated 2026-04-30

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Financial Terms Explained (7 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.

Why it matters

Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.

Example

You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.

Interest Rate

The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.

Why it matters

Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.

Example

On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.

How Loans Work

Cosigner — Loan Cosigner

A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.

Why it matters

Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.

Example

A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.

Loan Term (Tenor) — Loan Term / Tenor

How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.

Why it matters

Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.

Example

Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.

Origination Fee — Loan Origination Fee

A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.

Why it matters

Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.

Example

You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.

Principal — Loan Principal

The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.

Why it matters

Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.

Example

You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.

Underwriting — Loan Underwriting

The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.

Why it matters

Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.

Example

You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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