Based in San Diego, CA, Appstar Financial (appstar.net) opened its doors in 2002 and has racked up a lot of complaints during its short time in business. At the time of this review, this processor has somehow managed to earn an “A+” rating with the Better Business Bureau (BBB) despite 137 complaints filed in the last 36 months. The complaints about Appstar Financial are not limited to just dissatisfied merchants as there are several from former agents as well. Appstar Financial appears to aggressively recruit independent agents with a promise of supplying high quality leads on a daily basis; however, several reports claim that the leads are often of very poor quality and waste of the agents’ own resources and time. It is unclear at the time of this review if Appstar is a direct processor, or if the company uses a third party processor.