Bankcard Services
1573 S Telegraph Rd
Bloomfield Hills, Michigan 48302

Main: 800-520-4488

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Bankcard Services is an interchange plus credit card processor based in Michigan. The company serves a variety of businesses across the United States.

If you’re looking for credit card processing, whether for a retail store, restaurant, gas station, or service business, Bankcard Services can set you up with multiple ways to take payments. In this review, we’ll look at the company’s payment services, equipment, costs, and more.

Credit Card Processing

The main function of a credit card processor is to, well, enable credit card acceptance. Bankcard Services lets you take major credit and debit cards online and in person. The company boasts access to your funds in as little as 24 hours.

Gas Station Processing

Processing needs at gas stations are different than for other businesses, and Bankcard Services can help. The company offers fleet card acceptance, and can support specific equipment popular with gas stations, such as Ruby systems. Read more about taking fleet cards.

Check Acceptance

You can accommodate clients who still prefer to pay by check by signing up with Bankcard Services for check acceptance with digital conversion. When your client provides a paper check, you can use a check converter to turn the check into a secure digital transaction.

Bankcard Services homepage

Other Services

In addition to card processing and check acceptance, Bankcard offers a few additional services that may be helpful to some businesses, including gift card and loyalty programs, cash advances, and ATM placement.

Gift and Loyalty Cards

These days, even the smallest businesses can implement successful gift card and loyalty card programs with little upfront cost and effort. Bankcard Services offers both, but provides very little information on its gift card program. We reached out to Bankcard and got more details. The gift cards are reloadable, and the customer chooses the amount. Additionally, cards are customizable with your business information. The company offers three different ”pacakges” so you can choose the one that fits your budget.

Gift Cards To Go:

  • Minimum order is 100 cards and carriers
  • The total cost for 100 cards and 100 carriers is $149 + shipping and handling
  • The transaction redemption fee is $0.10 per transaction

Standard Package:

  • Minimum order is 250 cards
  • The cost per card is $1
  • The transaction redemption fee is $0.10 per transaction 

Custom Gift Cards:

  • Minimum order is 1,000 cards
  • The cost per card is $0.75
  • The transaction redemption fee is $0.10 per transaction. 

For loyalty cards, Bankcard explains that the program is “paper-free” – rather, customers download the loyalty app and scan your “merchant tag” during their visit in order to receive a “punch.” You’ll receive your merchant tag for customers to scan in your initial set up kit, along with instruction cards that you can hand out to customers who want more information or details on downloading the app. The loyalty program doesn’t require integration with your POS system to work.

Cash Advance

Merchant cash advances are an alternative to traditional business loans. Rather than repaying the money with a set repayment amount and interest rate, you’ll repay through a percentage of your daily credit card sales. Essentially, you’re “selling” a portion of your future credit card sales in exchange for that cash upfront. Cash advances typically feature less stringent credit requirements and no collateral, which make them easier to obtain than small business loans. However, in some cases they can be more expensive. It’s worth weighing the pros and cons before taking a cash advance.

ATM Placement

Businesses that want to take advantage of the possible increased traffic an ATM brings can do so through Bankcard Services. You’ll be set up with a secure ATM right in your store, and fees customers pay to withdraw cash go right to your business.


Bankcard Services is compatible with several major equipment manufacturers, including Equinox, Verifone, and PAX. Exact features will vary depending on the model you choose, but all equipment is PCI compliant for security. Some machines feature the ability to accept contactless payments, like Apple Pay.

If you need to take payments on the go rather than in a store or restaurant, Bankcard offers mobile solutions that work with your smartphone. The PAYware mobile option offers a card reader that connects via headphone jack, while wireless full machines like the Verifone Vx670 connect via Bluetooth.

Businesses taking payments online will need a payment gateway. Bankcard Services offers a choice of 5 gateways: Apriva Pay, Authorize.Net, Charge Anywhere, eProcessing Network, and RoamData.

Gas Station Equipment

For the unique needs of gas stations, Bankcard Services supports popular Ruby systems, including SuperSystem, Ruby2, and RubyCi. 

Rates and Fees

On its website, Bankcard Services states that it utilizes interchange plus pricing, the most transparent pricing model and one we require here at CardFellow. Interchange plus pricing doesn’t use arbitrary “qualified” and “non-qualified” rates, and pricing is set for each individual business. As such, Bankcard Services doesn’t list “starting rates” on its website.

You can request a personalized quote from Bankcard Services and compare it to any other processor you’d like using CardFellow’s free quote request tool. Try it now!

Bankcard Services Reviews

Bankcard Services has been accredited with the Better Business Bureau since 2011, and currently boasts an A+ rating with no negative reviews or formal complaints. The company has 4 positive reviews on the BBB’s website, with reviewers praising Bankcard for personal service, competitive pricing, and overall positive experiences.

The company has an official Facebook page with reviews enabled, but there are currently no customer reviews on the page. There are no Yelp profile or Ripoff Report complaints for Bankcard Services.

Despite being around for several years, there aren’t a lot of reviews available for Bankcard Services. We’d love to hear from business owners or managers who use Bankcard for their credit card processing. Is that you? Leave a review!


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Bankcard Services has not received any verified reviews.

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