Complete Merchant Solutions Review

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Best for

Complete Merchant Solutions, LLC is best for small to mid-sized merchants with low and medium-risk transactions.

Specializes in

Complete Merchant Solutions, LLC (CMS) processes payment for all major debit and credit cards, E-Check, ACH, and Remote Deposit Capture (RDC). The company caters to restaurants, the retail industry, eCommerce, mobile services professionals, convenience and grocery stores, charities, the government sector, and the travel and hospitality sector. The company offers a general phone number for inquiries and an online contact form for someone at CMS to contact clients. The company offers POS equipment (both traditional and mobile card readers), POS software for specific industries, tokenized PCI encryption compliance, and gift & loyalty card programs. The company also lets merchants set up recurring billing via their platform.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : $350

Contract Terms:

3 Years
Visit Complete Merchant Solutions

CMS is an ISO/MSP of multiple partner banks, including Chesapeake Bank, Kilmarnock, Virginia, Deutsche Bank AG, New York, National Bank of Los Angeles, and Wells Fargo Bank, NA.


The company was founded in 2008 in Orem, Utah. CMS's current President and CEO is David Decker.

Complete Merchant Solutions Overview


CMS was founded in 2008 and is currently led by President and CEO David Decker. The company is headquartered in Orem, UT. 


CMS's products include merchant account solutions for low and medium-risk businesses, which the company resells for First Data, acquired by Fiserv. CMS offers an interchange-plus pricing structure, which the company refers to as Interchange pass-through (IPT) on its website. The company also has multiple partners for its POS and software solutions offering.


As of December 10, 2020, CMS has had its Better Business Bureau (BBB) accreditation suspended pending a review of the company's settlement with the FTC. CMS and its former CEO, Jack Wilson, were subject to an FTC investigation which charged that "millions of dollars of schemes defrauding consumers were proess by CMS, which the company know or should have have known about. 


According to the company's website, CMS processes over $2 billion in transactions a year. After experiencing an average 3-year growth of 1,271%, CMS was ranked as an Inc 5000 company in 2012 and 2013, an annual ranking bestowed on the fast-growing companies in the United States. In April 2016, the company announced that it had raised an undisclosed amount through its first private equity round to investment firms Western Heritage Capital and Performance Equity Management. 

Quick Facts

Head Quarters

Orem, Utah

Year Founded



David Decker



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Healthcare
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Travel

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Complete Merchant Solutions Products & Services


Payment Processing: CMS resells payment processing services for Fiserv for low and medium-risk businesses via debit/credit card processing, Electronic Benefits Cards (EBT) for convenience and grocery stores, and check services; e-check, ACH, and Remote Deposit Capture (RDC).


Point of Sale: The company has multiple partners for its POS and software solutions, including Aloha, Castles Technology, Digital Dining, Verifone, Unitec Electronics, Wash Gear, and Wayne. CMS also offers self-branded mobile card readers called Complete Mobile Pay (CMP).


SLYCE: A all-in-one reporting and analytics dashboard to monitor transactions, refunds, chargebacks, and deposits. 

Complete Merchant Solutions Payment Processing

  • Check Services
  • Credit Card Processing
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing

Complete Merchant Solutions Billing & Invoicing

  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Complete Merchant Solutions Advertising & Sales


There has been only one complaint against CMS on BBB in the last three years about third-party billing. The company has an in-house sales team and also hires outside sales teams (ISOs). ISOs are usually associated with complaints about aggressive sales tactics and don't always disclose all costs, which then surprise merchants come billing time. 

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Complete Merchant Solutions Pricing, Rates & Fees


CMS resells payment processing services of Fiserv. Below is pricing information available from the company's website and other online resources;


Swiped Rate – 2.69% + $0.19

Keyed-in Rate – 3.69% + $0.19

Virtual Terminal Rate – 1.00% - 4.99%

Contract term – Three years

Early termination fees – $350

PCI compliance fee – $10/month

Statement fee – $10/month

Application & Setup fee – none


Monthly minimum – Varying rates applicable as per the company's Program Guide but rate not specified.


Merchants may also incur fees for gateway charges, batch fees, and technical support fees through CMS.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

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

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Complete Merchant Solutions Contract & Terms

CMS resells merchant processing services of Fiserv, which has a three-year agreement. The company also has an early termination fee of $350. Merchants should carefully review any non-cancelable long-term equipment lease agreement language in their contract with CMS for POS equipment.

Contract Length

3 Years

Early Termination Fee


Complete Merchant Solutions Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Complete Merchant Solutions Complaints, Ratings & Reviews

As of December 10, 2020, CMS's A+ rating and accreditation were suspended by the BBB, with an ongoing review of the impact of the company's settlement with the FTC. The company and its former CEO, Jack Wilson, settled FTC charges that CMS served as a payment processor for Apply Knowledge and Tarr. Two companies that the payment processor knew or should have known were involved in millions of dollars in fraudulent payment schemes that defrauded consumers.

The company also has a contract dispute with a multilevel marketing brand of women's leggings, LuLuRoe. CMS has reserved a large port of LuLaRoe's funds due to suspicion of high-risk transactions or possibly as a response to switch merchant processors before terminating its agreement with CMS.

The BBB website lists only one complaint in the last three years and none in the previous 12 months. 



A+(1 complaint)


4.4 Stars / 80 Reviews




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