Processor Rating No. 030 · The Anti-Brochure Series

Century Business Solutions

The company behind EBizCharge. An ISO reselling Fiserv, sold through your ERP, with a price you cannot get before signing and, in our audit files, processing that is well overpriced once you do.

weAUDIT SCORE 48 OUT OF 100

Scored under the weAudit Rating Methodology · Last updated August 2026 · Gateway rated separately: EBizCharge Scorecard, 3.5/10

Regulatory & Legal Record

25/25

Fee Practices & Contract Terms

5/25

Complaints & Resolution

8/20

Corporate Transparency

5/15

Sales Channel Conduct

5/15

Company Snapshot

Who you are actually signing with

Company

Century Business Solutions, founded 2004 and headquartered in Irvine, California, privately held, operated entirely from its Irvine office since 2008, serving merchants across North America. Never acquired, which in this series is genuinely unusual. Its product is EBizCharge, an integrated payment platform living inside more than one hundred accounting, ERP, CRM, and ecommerce systems including QuickBooks, NetSuite, Sage, SAP Business One, Acumatica, Microsoft Dynamics, Shopify, Magento, and WooCommerce. Company profile and integration list

What it actually is

Not a processor. Century is a registered Independent Sales Organization of Wells Fargo Bank, N.A. in Concord, California, the Wells Fargo Canadian Branch, and Pathward, N.A. in Sioux Falls, South Dakota, and a longtime reseller of First Data, now Fiserv (43), merchant services. The company has publicly described itself as a First Data President’s Club performer. In plain terms: the software is Century’s, the merchant account is Fiserv’s, and the sponsorship is Wells Fargo’s. This is the exact structure our reader guide on finding your real processor teaches merchants to uncover. ISO registration and sponsor banks · Fiserv reseller documentation

Credit where due

The engineering is real and the merchants who like it have a point. More than a hundred native ERP integrations is a genuinely large investment, EBizCharge pulls line-item data from the ERP and passes it through for Level 2 and Level 3 automatically rather than imposing the manual field burden most gateways require, and merchant reviews consistently praise never having to leave QuickBooks to take a payment. Independent review reports an A-plus BBB rating, accredited since May 2014, with low complaint volume. Our rating does not dispute that the software works. Full gateway analysis: EBizCharge Scorecard

What this rating measures

The processing relationship the software delivers you into: what it costs, whether you can price it before signing, whether you can leave, and what our own audits of Century merchants have found on their statements.

The Headline Finding

The price you cannot get, and the door you cannot use

Independent review of Century’s offering documents the terms plainly: a three year contract, an early termination fee, a PCI compliance fee, and two lines that ought to end most evaluations before they start: public pricing is not available, and all important terms are not disclosed. Where rates have been documented, accounts under $50,000 in monthly volume are reported at 2.69% plus 19 cents swiped and 3.69% plus 19 cents keyed. For a business-to-business merchant running an ERP, keyed and invoiced transactions are not the exception. They are most of the volume.

Now pair that with the structure documented on our gateway scorecard: EBizCharge requires processing through Century. The gateway is free, the integration is free, the setup is free, and none of that is generosity. The integration is the acquisition cost and the processing is how it is repaid, month after month, for as long as the door stays shut. A merchant cannot bring the gateway to a better processor, and cannot price the processor before adopting the gateway. Those two facts are the entire business model, and they are load bearing for everything below.

SOURCES: Contract term, termination fee, PCI fee, pricing disclosure, and documented rates · weAudit Gateway Scorecard: EBizCharge

A merchant told us they were pressed hard to sign up and never once given a price. That is not a communication failure. In our professional opinion it is the design: a quote invites comparison, and comparison is the one thing an integration-led sale cannot survive. The ERP consultant recommends it, the marketplace listing looks official, the demo runs inside the screens the accounts receivable team already uses, and the decision makes itself before anyone asks what the processing costs.

From Our Own Audit Files

We have read these statements. Here is what they show.

This finding is first-party, from weAudit casework, labeled under Rule 9 of our methodology. In our audits of Century Business Solutions merchants, the processing has been well overpriced, and dotted with small add-on fees that never appeared in any conversation. Across the Century clients we have reviewed, we have yet to speak with one who was happy with them.

Set that beside the Level 2 and Level 3 automation the platform genuinely provides, because the combination is the most instructive thing on this page. EBizCharge does pass enhanced data through from the ERP, and that mechanism is better than what most gateways offer. But interchange optimization inside an overpriced merchant account is a discount applied to a bill that should not have been that high. The savings are real and they are being handed back through the markup wrapped around them. In our professional experience, this is the most persuasive trick in business to business payments: show the merchant a number going down in one place, and collect it in another place they were never taught to check.

Under Rules 6 and 9, price level is a fee practice and our audit files are evidence. This finding is what takes Fee Practices to 5 out of 25.

SOURCE: weAudit audit files, clients anonymized; processing markup and recurring add-on fees documented across audited Century Business Solutions statements. Labeled professional experience and opinion under Rules 6 and 9 of the weAudit Rating Methodology.

Category 1 of 5

Regulatory & Legal Record

25 / 25

No FTC actions, state attorney general enforcement, class actions, or card network fines against Century Business Solutions were located, and only documented actions are scored under Rule 1. Full marks, and we will say plainly what carries here: this category is holding this score up. A privately held ISO of this size generates few filings by nature, and as our reader guide on clean records explains, an empty docket at a sales organization measures visibility rather than conduct. The four categories below are where this company’s documented record actually lives.

One clarification merchants should hold onto: Century is a reseller of Fiserv merchant services, so a Century merchant account is a Fiserv merchant account, and Fiserv’s own documented record is scored on its page at 43. You inherit that record regardless of whose name is on your software.

SOURCES: Record review and reseller relationship · Rule 1, weAudit Rating Methodology

Category 2 of 5

Fee Practices & Contract Terms

5 / 25

Documented term or fee

Amount

Swiped, accounts under $50,000 monthly

2.69% + 19¢

Keyed, accounts under $50,000 monthly

3.69% + 19¢

Contract term

3 years

Early termination fee

Yes, amount undisclosed

PCI compliance fee

Charged

Public pricing

Not available

Gateway portability

None

Under Rule 6, price level and structure are fee practices. A keyed rate of 3.69% plus 19 cents sold to invoice-driven business to business merchants is expensive against any disclosed interchange-plus alternative, and it is expensive in precisely the transaction type this company’s own product is built to serve. Add a three year term with an undisclosed termination fee, a PCI fee, no published pricing, and a gateway that cannot be taken elsewhere, and the merchant’s position after signature is fixed in every direction at once. Independent review specifically flags the risk of liquidated damages clauses in this segment and advises confirming exit terms and ancillary charges before signing, which is sound advice a merchant can only follow if they read the paper first.

SOURCES: Rates, contract term, termination fee, PCI fee, and disclosure documentation · Gateway portability analysis · weAudit audit files under Rule 9

Category 3 of 5

Complaints & Resolution

8 / 20

Volume earns real credit and it is applied: an A-plus BBB rating, accreditation since May 2014, and complaint counts independent review reports as low, with published figures ranging from zero to five over a 36 month window depending on the source and date. Positive merchant reviews are genuine and specific, praising the QuickBooks integration and the transition support.

The deductions are about theme and about what happened when merchants tried to leave. A BBB complaint documents a merchant who cancelled after two weeks because the integration rarely worked, notes the company’s website claimed no cancellation fees, and describes being billed $130 per month regardless, despite contacting the company monthly, until the merchant issued a stop payment at their bank, after which a $20 monthly charge continued to hit the account directly. The BBB record notes the business failed to respond to that dispute. A separate complaint record alleges more than $500 drawn from a merchant’s account over two and a half years after service was supposedly cancelled. A published merchant review describes being billed after cancellation and overbilled for a service not delivered across a five year relationship. And a separate review describes a hard credit inquiry pulled on a company officer who states they did not authorize it and had no liability for the business.

Low volume with this theme is a specific and recognizable pattern, and this series has documented it before: post-cancellation billing is underreported by nature, because merchants who have already left often stop pursuing it, and the ones who do pursue it are the ones who noticed. A company that fails to respond to the complaint about it has told you what the resolution process is worth.

SOURCES: BBB complaint record · Complaint volume and review summary · Post-cancellation billing allegation · Merchant review record · Allegations reported as allegations.

Category 4 of 5

Corporate Transparency

5 / 15

Credit first, and it is meaningful: Century publishes its ISO registration and names its sponsor banks, Wells Fargo and Pathward, which is exactly the disclosure our reader guide tells merchants to look for and which several larger companies on this board do not provide.

The deductions are concentrated where they matter most. Independent review states that public pricing is not available and that all important terms are not disclosed, which means the two questions a merchant most needs answered before signing, what will I pay and how do I get out, are both unavailable until after the sales process has done its work. The requirement that the gateway be used with Century’s own processing is a structural constraint that is not presented as one in the marketing. The termination fee exists but its amount is not published. And the marketing language of transparent pricing and no hidden fees sits, in our audit experience, alongside statements carrying markup and small recurring add-on charges that no one discussed. A company measured against the standard it advertises is being measured fairly.

SOURCES: Pricing and terms disclosure documentation · ISO registration disclosure · weAudit audit files under Rule 9

Category 5 of 5

Sales Channel Conduct

5 / 15

Sold by the software, not by a salesman

Century’s channel deserves precise description because it is genuinely different from the agent armies this board documents elsewhere. There is no sub-ISO network reselling your account. The channel is the ERP marketplace itself: a listing inside QuickBooks, Sage, NetSuite, Dynamics and a hundred others, an accounting consultant’s recommendation, and a demo running inside software the merchant already trusts. That is an efficient, low-pressure path to a signature, and it is exactly why it scores poorly here. A marketplace listing is not a price review, and an ERP consultant is not an interchange expert. The endorsement the merchant is actually relying on came from someone who never evaluated the processing.

The documented conduct within that channel adds to it: a merchant pressed hard to sign with no price ever provided, per our own client account; a website representation of no cancellation fees against a documented complaint of continued billing after cancellation; and a review describing an unauthorized hard credit pull on a company officer. In our professional opinion, the finding is that the integration does the persuading. Nobody has to oversell a processing rate that the merchant was never shown.

SOURCES: weAudit client account, gateway scorecard · BBB complaint record · Merchant review record

The Bottom Line

If you process with Century Business Solutions

Is Century Business Solutions a good processor?

Based on the documented record, Century scored 48 out of 100 under the published weAudit Rating Methodology, a band reserved for companies whose documented record warrants extreme caution: public pricing not available, important terms not disclosed, a three year contract with an undisclosed termination fee, documented rates of 3.69% plus 19 cents on the keyed transactions that dominate business to business volume, a gateway that cannot be taken to another processor, documented post-cancellation billing including a complaint the company failed to answer, and, from our own audit files, processing that has been well overpriced with small add-on fees nobody discussed. Century is an ISO reselling Fiserv (43) under Wells Fargo and Pathward sponsorship. The integration library is genuinely excellent, and it is the reason merchants never priced the processing.

Four things to do this week:

Compute your effective rate and split it by entry method

Total fees over total volume, then separately for keyed and swiped. The keyed number is the one that matters for an ERP merchant, and at a documented 3.69% plus 19 cents it should be compared directly against a disclosed interchange-plus quote. If nobody has ever shown you your markup as a number, that is the finding.

Check whether the Level 3 savings are reaching you

EBizCharge does pass enhanced data through, so pull your commercial card transactions and confirm they are actually qualifying at Level 2 and Level 3 rates. Then compare what that saved against the markup on the same statement. Optimized interchange inside an overpriced account is a discount on a bill that should not be that high.

Get your termination fee and renewal date in writing

The term is documented at three years and the termination amount is not published anywhere. Ask for both as a single figure with the renewal date, and ask specifically whether any liquidated damages provision applies. You cannot evaluate any alternative without that number.

If you cancel, watch the bank account for a year

The documented complaints in this file describe billing continuing after cancellation, in one case until the merchant issued a stop payment, and in another allegedly for two and a half years. Get written confirmation of closure with an effective date, then reconcile every recurring debit for twelve months afterward, including small ones.

They would not give you a price. We will give you the whole bill.

weAudit is America’s #1 Credit Card Processing Auditing Firm, founded by an executive with more than a decade at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. We audit your statements every month for a low fixed fee, never a percentage, and we answer to no processor. Ever.

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Right of response: Century Business Solutions is invited to respond to any item in this profile. Responses received will be published unedited. Contact: [email protected]

How this rating works: This profile reports documented information from the Better Business Bureau, review platforms, independent published analysis, and weAudit’s own audit files, with sources linked or identified throughout. Rates and contract terms reflect published reporting as of the date below; pricing is quote-driven and individual merchant agreements vary, so merchants should confirm their own terms directly. Scores are calculated under weAudit’s published Rating Methodology, applied consistently to every company we rate. Complaint data is reported as the accounts of the merchants who filed it, and allegations are reported as allegations rather than findings of fact; no litigation or regulatory findings are reported against this company, and none should be inferred. First-party audit findings are labeled under Rule 9 and reflect weAudit’s professional experience across audited client statements, not a statement about any individual merchant’s account.

Independence: weAudit accepts no compensation, referral fees, or advertising from any payment processor, sales organization, or gateway. Our only clients are merchants.

Corrections: Documented errors are corrected within 48 hours of verification. Last updated August 2026.