Capital Merchant Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard or low-risk is small to medium-sized businesses seeking a merchant account offering transparent pricing and no early termination fees.

Specializes in

Capital Merchant Solutions specializes in providing transparent pricing and great customer service.

Pricing Summary

Setup Fee: $0

Monthly Fee: $20 Per Month or $35 Per Month

Swipe Rate: 4.95% + $0.35 or Interchange Plus

Keyed-in Rate: 4.95% + $0.35 or Interchange Plus

Early Termination Fee : $500 (Only for High Risk Merchants)

Contract Terms:

Month-to-month 3 Years
Visit Capital Merchant Solutions

Capital Merchant Solutions was founded in 1997. Since its inception, the company has used several different websites and different names to target different audiences and market its product.

Evolved to offer more transparency in their pricing model and better contracts with better terms.

Capital Merchant Solutions Overview


Capital Merchant Solutions has been in business since 1997. The company uses different names and websites to market its merchant account services to different audiences. Some of their different websites have included:,,, and

Their current website and the one that seems to be the main website is

Capital Merchant Solutions claims to have served over 25,000 businesses in its twenty-five years of business. There are some complaints about the company online, but for such a large volume merchant account provider the complaint ratio is lower than average.

At this time, the company offers pay-as-you-go plans as well as a three-year contract. High risk merchants are not qualified for the pay-as-you-go plan and also have a $500 early termination fee tacked onto their contract.

Despite some of the drawbacks for the high risk merchant, Capital Merchant Solutions does offer a transparent pricing model, although pricing for the pay-as-you-go plan is higher than is standard in the industry.

The company is headquartered in Bloomington, Illinois. Chris Nelson is listed as the CEO and Russ Link is the president and co-founder.

Quick Facts

Head Quarters

Bloomington, Illinois

Year Founded



Chris Nelson



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Medical
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Capital Merchant Solutions Products & Services


Hardware and Software

Capital Merchant Solutions process all cashless transactions whether in-store, online or on the phone. They will also provide a free credit card reader. The customer can choose from a selection of brands on their website.

If a business desires a wireless terminal, there is an additional fee.

They also provide payment gateways, mobile payment processing, wireless processing, and physical equipment such as a POS system.

Value-Added Services

No specific value-added services were highlighted on the website.

Supported Payment Types and Services

Capital Merchant Solutions accepts all major credit and debit cards including:

American Express

Mobile and online payment is accepted as well as check processing.

Capital Merchant Solutions Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

Capital Merchant Solutions Billing & Invoicing

Capital Merchant Solutions Advertising & Sales

Capital Merchant Solutions has used independent sales teams to sell their product. This has caused some customer complaints in the past. It is unclear if they still employ this practice, however, most of the complaints of aggressive or misleading sales have been resolved.

The company does still use referral programs and multiple targeted websites to market its product. This has resulted in some customer complaints and confusion over contract terms.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Capital Merchant Solutions Pricing, Rates & Fees


Capital Merchant Solutions offers four different payment structures. They are as follows:

The Pay-As-You-Go-Plan: Per transaction fee of 4.95% plus $0.35. No monthly fees.
The Retail Plan: Per transaction fee of 0.15% plus $0.25. $20 monthly fee.
The e-Commerce Plan: Per transaction fee of 0.20% and $0.25. $35 monthly fee.
The Mobile Plan: Per transaction fee of 0.20% and $0.35. $35 monthly fee.

In addition, the company charges $20 per month for the wireless terminal if desired.

The company also charges a monthly fee of $34.94 which includes PCI Compliance costs.

The interchange rates for the pay-as-you-go plan are not competitive with other pay-as-you-go models such as Square. Businesses that choose this pricing structure will be paying much more than they need to.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate

4.95% + $0.35 or Interchange Plus

Keyed-in Rate

4.95% + $0.35 or Interchange Plus

Mobile Payment Rate

Interchange + $0.20% + $0.35

Virtual Terminal Rate

Interchange + $0.20% + $0.25

Monthly Fee

$20 Per Month or $35 Per Month

Payment Gateway Fee


Batch Fee


Early Termination Fee

$500 (Only for High Risk Merchants)

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Capital Merchant Solutions Contract & Terms

Capital Merchant Solutions offers a no-contract pay-as-you-go model or a three-year contract with no early termination fee for businesses considered standard or low risk. High risk businesses are on the hook for a $500 early termination fee.

Contract Length

Month-to-month3 Years

Early Termination Fee

$500 (Only for High Risk Merchants)

Capital Merchant Solutions Setup & Support


Capital Merchant Solutions offers 24/7 support and a dedicated email address on its website.

The company appears to promptly address any online complaints made by customers, most of which are resolved to the customer’s satisfaction.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Capital Merchant Solutions Complaints, Ratings & Reviews

BBB Rating

Capital Merchant Solutions has had an accredited Better Business Bureau account since 2004. The company is currently receiving an A+ rating.

In the past three years, they have had only one customer complaint and it was resolved to the satisfaction of the customer.

The amount of complaints and negative reviews the company has is typical for the size of the business.

Other Online Reviews

The company has had some complaints in the past of being a ripoff or a scam. However, some of these complaints seem to be tied to a particular sales agent who misrepresented some of the contract terms. Most of these issues have since been resolved.

The amount of online complaints is lower than average for a business of its size and scope.



A+ and has been Accredited since 2004. (0 Reviews; 0 Complaints)


4.3 Stars . 12 Reviews


No Recommendations Yet


2 Stars / 4 Reviews


Total Online Reviews


Total Online Complaints




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