Frontline Processing Review
Merchant Maverick's Rating: (5 out of 5)
Last Updated: April 18th, 2010.
Overview:
I have to admit that I'm very impressed with Frontline Processing's track record. They've been around for over a decade, yet I couldn't dig up a single negative review on them. Not to mention they have some excellent "letters of reference" (aka "testimonials") listed directly on their site from past customers that have been happy with Frontline's service. I'm talking references from some high profile clientele folks, including three different Chamber's of Commerce.
Offering seasonal downtime and interchange-plus pricing obviously helped out their score in a big way, and of course, the "A+" BBB score didn't hurt either.
I gave Frontline a 5 out of 5 rating, which most of you know is a rarity here at MerchantMaverick.com. They definitely deserve it though, so keep it up guys!
Click Here To Get Setup With Frontline Processing
Date Established:
1997.
Location:
Bozeman, Montana.
Domain Name(s):
- www.frontlineprocessing.com.
- www.flp2.com.
Parent/Partner Company:
Frontline Processing operates solo.
Type:
Registered ISO/MSP.
Acquiring Bank(s) (Acquirer):
HSBC Bank.
Payment Processor(s):
Global Payments.
Payment Gateway(s):
Authorize.net or Network Merchants. Do you need help setting up your payment gateway with your website? Click here.
Trust Symbols:
The Frontline Processing BBB profile has an "A+" rating, with just 2 complaints in the last 36 months (as of this review). Not bad at all 
Negative Reviews:
I couldn't find any negative reviews.
Common Complaints:
None.
Verifiable Testimonials/References:
There's a link on the Frontline site called "Letters of Reference." You'll find about seven references in PDF form on that page. All fully disclosed, fully verifiable testimonials by legitimate businesses.
Security/Privacy:
The Frontline site is secured by Security Metrics.
Customer Service:
I've never had an account with Frontline Processing, so I haven't personally dealt with their customer service. Judging by the lack of complaints, I'd say their service is pretty good though.
Contract Duration:
The Frontline contract length is 3-years, but can be negotiated, so don't be shy.
Cancellation Fee:
There will be no early-cancellation fee for merchants that shut down their account due to business failure, but there will be one if you cancel for no reason, or you decide to switch to a new provider.
That cancellation fee will be calculated by taking revenue from your three most recent processing months, and multiplying that by the number of months you have left in your contract.
Interchange-Plus Pricing:
Interchange-plus pricing is offered by Frontline.
Seasonal Downtime:
Seasonal downtime is also offered. You will only be charged a $5.00 statement fee by Frontline during your inactive months. You may be charged a gateway fee, depending on which gateway you go with. Be sure to clarify all downtime charges with your rep.
Product/Service Offering:
Retail (Credit/Debit), Gift & Loyalty, e-Commerce, POS, Equipment & Supplies, PCI Assistance.
Product/Service Specialty:
None in particular.
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July 6th, 2010 - 14:56
We really appreciate the review! We have had several hits off of this website. We take alot of pride in how we do things and our customer service support is phenomenal.
July 6th, 2010 - 22:45
No problem Mike. Looks like you have the rating listed on your site. Very cool!
Best of luck to you, and keep in touch.
November 29th, 2010 - 11:49
I recently had my account closed without any advanced warning and no clear reason to why. I was only told:
“You processed for a short period of time, then halted. Upon resuming, the account was sent back to underwriting. Upon review of your account and processing history (here and with other processors). We do not feel secure in continuing the card services agreement and are closing the account effective immediately”.
I told the sales rep prior to opening the account that I will have down periods but I don’t mind paying the standard fees each month to keep the account going. Company did not seem to mind taking all the fees during the down period.
Shutting down our account during our most active period of the year is a painful experience.
I am now working to resolve this through the BBB.
I will provide an update to let the community know the outcome.
Thank you Merchantmaverick for this fourm and service. I used you in my selection of frontline processing and plan to continuing to using your service as a tool in the future.
November 29th, 2010 - 17:08
Update. I finally got the details I was looking for. Still not happy with short notice of cancelation.
February 9th, 2011 - 10:31
Frontline Processing cannot underwrite a merchant selling any products who also have a history of being involved with the selling of unlicensed software. Upon seeing your return, our Risk dept sent the account back thru underwriting, this uncovered accounts with other processors that you had mutliple accounts with, with many complaints and that you were in violation of their terms of service. Therefore the account was closed immediatly. This was also resolved with the BBB as such. Frontline Processing continues to maintain an A+ rating with BBB.
February 19th, 2011 - 19:55
Very interesting. Maybe since I can’t seem to get any one at the company to answer this question via email I can get this answer in this fourm:
Why has this company taken statemens fee and minimum billing fee totaling $30 per occurance if this company has closed my account? Request for explaination submitted to fronline on 1/3/2011. Still no response.
November 29th, 2011 - 08:38
Can you say unconscionable contract? Frontline kept $15,000 of my reserve account as an early termination fee. I was with them over the 3 year mark, and the contract auto renewed. They applied 3 months of average processing which thankfully was receding as I prepared to move to another processor. Long story short, when I was preparing to notify Frontline to not renew my contract within the 2 month notification clause, I was encouraged by my original broker to stick with Frontline and negotiate better fees. That didn’t happen, and when I did notify them of my intentions to close, with over a month and a half of no processing, they drum up this unheard of fee amount.
They kept the money and told me not to let the door hit my ass on the way out. My synopsis?
Frontline is:
-Grossly Unprofessional
-Grossly Un-Ethical
-Grossly Unconscionable