Community Merchant Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small to medium-sized retailers looking to expand their services to increase what they can give to their customers.

Specializes in

Helping merchants step beyond the traditional credit card processing and start increasing their brand awareness and loyalty through extra services that set them apart from their competitors. As an information services company first, Community Merchant Solutions takes their business on a different trajectory than conventional credit card processors.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Undisclosed

Contract Terms:

3 Years
Visit Community Merchant Solutions

The company headquarters is located in Mission Viejo, CA.

They were founded in 2007.

Wain Swapp is the CEO.

Community Merchant Solutions Overview


There is very little information to be found on Community Merchant Solutions. They have been in business for fifteen years, but 90% of their website leads to dead pages with nothing beyond a tagline stating … This is somewhat embarrassing, isn’t it?

There are several professional reviews to be found that paint a different picture of the company, but things may have changed since their writing.

The one thing that can be deduced from the website is that Community Merchant Solutions focuses on added value services to set themselves apart from other credit card processors.

According to a couple of other review sites, there were a dozen or so complaints that mysteriously disappeared without any indication of resolution.

Quick Facts

Head Quarters

Mission Viejo, California

Year Founded



Wain Swapp



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Medical
  • Moving Companies
  • 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

Community Merchant Solutions Products & Services


Hardware andSoftware

There is no way to determine what Community Merchant Services has to offer. There is a dead page under the card terminals link. There is no indication whether the company specializes in brick-and-mortar retailers or eCommerce merchants.

It appears that they focus on brick and mortar stores, but they do not specify anywhere on their website.

It is stated that they have a wide selection of registers and terminals and that all leasing is handled in-house. Unfortunately, there is no information available beyond the link description.

Value-Added Services

Most information to be found on the company website revolves around the extra services Community Merchant Solutions offers. It appears this is what they use to set themselves apart from their competition.

Loyalty Card Programs offer a wide range of gift cards, loyalty cards, and community connect cards to help build a brand and client base.

Check processing offers customers the use of their checkbook.

Outbound email marketing campaigns can potentially help build customer awareness and draw new customers into the business.

Community Merchant Solutions advertises the ability to help set up an express lane in the retail store to speed up transactions and thereby increase business. Also bundled into this is a potential high-speed terminal that can run a credit card transaction in under three seconds. Once again, this is stated without anything on the website to support the claim.

Lastly, they claim to offer cash advances to merchants to help upgrade stores and inventory.

Supported Payment Types and Services

There is no accurate list of payment types accepted, but it is safe to assume these are on their list:

American Express

Community Merchant Solutions Payment Processing

  • ACH Check Transactions
  • Check Guarantee
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • POS Equipment
  • Recurring Billing

Community Merchant Solutions Billing & Invoicing

  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Community Merchant Solutions Advertising & Sales

According to some old reviews, there is evidence that Community Merchant Solutions uses independent contractors in their marketing. However, there is very little reference to this in customer complaints, so it is unverified.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Community Merchant Solutions Pricing, Rates & Fees


Once again, there is no information. Their website deadends when the link is clicked and there is no indication whether they keep their merchant accounts in-house or resell them to a larger processor.

There is some reference in old complaints about hidden fees, early termination fees, and lack of transparency on how their fees are transacted.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

36 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Community Merchant Solutions Contract & Terms

There is no reference to contracts on their website. This could mean they are a reseller of merchant accounts, or it could simply mean their contracts are completely negotiable and based on a client-by-client basis.

There is a link to terminal leasing on their website that once again goes nowhere. This could have led to a hardware contract of some sort, but at this point that information is unavailable. This could also be the source of some of the complaints about early termination fees. Companies who lease equipment often have a noncancelable lease on the equipment or hefty early termination fees.

Contract Length

3 Years

Early Termination Fee


Community Merchant Solutions Setup & Support


Since they do not disclose what sort of equipment they offer, it is impossible to even present a rough estimate on setup.

Support looks to consist of a phone number and a form message on their contact page. Complaints are referring to poor customer support.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Community Merchant Solutions Complaints, Ratings & Reviews

BBB Rating


Community Merchant Solutions has a profile on the Better Business Bureau, but it is not rated. This is most likely because there is no information to be found on the company.

There is one complaint making allegations of several lawsuits in the process against both the company and Mr. Swapp.

Other Online Reviews

There have been many complaints over the years, but most of these have mysteriously disappeared from the internet.



A+ but is not BBB Accredited. (1 Review; 0 Complaint)


No Reviews




1.5 Star / 7 Reviews


Total Online Reviews


Total Online Complaints




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