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On July 30, 2020
Last modified:October 4, 2020

Summary: offers retail solutions and e-commerce and have the standard equipment like POS systems, credit card terminals, virtual gateways, and wireless terminals., LLC started as a web hosting company in 1998 under a different name. It was not until 2003 that they became a merchant service provider after seeing their clients needed processing solutions as well. They’re a registered ISO/MSP for HSBC Bank and offer retail solutions and e- commerce and have the standard equipment like POS systems, credit card terminals, virtual gateways, and wireless terminals. is accredited with the Better Business Bureau and has an A + rating. Over the past three years, they’ve only had one complaint filed against them which is an outstanding number. The one complaint was filed back in June of 2011 and cited problems with product/service. Since there were so few complaints filed under the Better Business Bureau, other complaint board websites were checked like and surprisingly, there are few if any complaints filed elsewhere as well. This could be attributed to being relatively up front with their pricing structure before a merchant signs their merchant application to avoid complaints later down the road. Either way, only one complaint is a very impressive number as even the most reputable merchant service providers may have hundreds of complaints filed against them.

Like most merchant service providers, relies on a mix of independent sales agents and organizations, affiliate marketing, and an inside sales team. They only advertise their referral program on their website which means that they mainly rely on their inside sales representatives instead of their independent agent program. This is an ideal way of offering their merchant accounts as it translates into a more uniform sales experience for the merchant. One of their major marketing campaigns right now is their free Point of Sale system program in which the merchant gets a POS system for no startup cost.

One of the major advantages that has is they offer a free POS system as mentioned above. This does sound a little too good to be true, and in a way it is. Although the POS system itself is free, they do charge $59 per month and per quarter for its usage, on top of their $10 monthly service fee. That’s an extremely high monthly cost and does not make financial sense when factored into the 5 year contract for that program. For retail/swiped merchants, they offer 0.69% for debit cards, 1.69% qualified rate, a 2.44% mid qualified rate, and a 3.29% non qualified rate, with a $0.20 transaction fee for all transactions. For e-commerce or keyed merchants, 0.99% debit, 2.19% qualified, 2.94% mid, and a 3.79% non qualified rate with a $0.25 transaction fee for all transactions. They have a $10 monthly service fee and a $25 monthly minimum on all accounts. Although this pricing structure is competitive, it’s not the best, it would be a lot more competitive if there were no monthly minimum.



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