Mainstream Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants looking for integrated online and mobile payment processing or a new terminal and POS system.

Specializes in

Online payment processing, mobile payment processing, credit card terminals, POS hardware and software, virtual terminals, payment gateways, check processing, fraud prevention.

Pricing Summary

Setup Fee: $0

Monthly Fee: $3.95 per month (regulatory fee)

Swipe Rate: Interchange plus (variable)

Keyed-in Rate: Interchange plus (variable)

Early Termination Fee : $250

Contract Terms:

3 Years
Visit Mainstream Merchant Services

Mainstream Merchant Services is a merchant account provider that offers credit card terminals, POS solutions, and online payment processing. The company’s standout product is its TSYS Web Pass, which lets merchants process payments from any of their devices with a single integrated system.

Mainstream Merchant Services Overview


Mainstream Merchant Services is a registered ISO/MSP of the First National Bank of Omaha and is based out of Alpharetta, Georgia, and is currently ran by Jay Vignal.

Mainstream is a good solution for companies operating in the following sectors:

  • B2B

  • Restaurant

  • Retail

  • Mobile

  • Online

  • SaaS

  • Lodging

  • And several others

The company offers merchants a wide variety of POS solutions and credit card terminals to choose from. Mainstream Merchant Services also has a product called TSYS Web Pass that lets merchants process payments from any of their devices as long as it’s connected to the internet.

Mainstream isn’t forthcoming about its pricing but we haven’t found many complaints about the company online about excessive charges or hidden fees. In fact, Mainstream Merchant Services currently has an A rating with the Better Business Bureau, and nothing found in our research disputes that rating.

Quick Facts

Head Quarters

Alpharetta, Georgia

Year Founded



Jerome Vignale



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Electronics
  • Gas Station
  • Healthcare
  • Legal
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Mainstream Merchant Services Products & Services


Online Payment Processing

Mainstream Merchant Services offers a virtual terminal that it calls the TSYS Web Pass. This tool enables you to process payments from any of your devices as long as it’s connected to the internet. The platform lets you accept the most common forms of payments and offers additional functionalities like:

  • Recurring payment capabilities

  • Multi-user features

  • Reporting dashboards

  • Integration with the company’s card readers

  • Email receipts

Credit Card Terminals

Merchants can also purchase or lease a wide variety of credit card terminals from Mainstream Merchant Services. The company offers the following highspeed credit card terminal options:

  • Ingenico iCT220DC

  • Ingenico iCT250DC

  • VeriFone VX520DC

  • PAX S80 Terminal

Mainstream Merchant Services also offers several wireless credit card terminals for its merchants to choose from. Here’s what that offering looks like:

  • Dejavoo Z8 Terminal

  • VeriFone VX680

  • Ingenico iWL255

  • Ingenico iWL252

POS Solutions

If you’re looking for a new POS system, you can get it through Mainstream Merchant Services. The company provides several options to choose from, including Mynt POS, Vital POS, and Poynt POS equipment and software.

Each of these POS systems includes its own set of benefits. What’s right for your company will vary based on the industry that you operate in and what your payment processing goals are. That means it’ll be worth it to do some research to figure out which of Mainstream’s POS systems is right for you before buying.

Mainstream Merchant Services Payment Processing

  • ACH Check Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

Mainstream Merchant Services Billing & Invoicing

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

Mainstream Merchant Services Advertising & Sales

Mainstream Merchant Services’ sales practices are solid. The company doesn’t hire independent sales agents. Independent sales agents are commonly associated with poor sales outcomes so this is a good sign.

The company’s advertising and marketing practices are also strong. Mainstream Merchant Services doesn’t advertise deceptive rates or terms. However, the company doesn’t disclose its prices either. This is somewhat disappointing, as Mainstream states on its website that it believes merchant account providers should be transparent about their pricing practices.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Mainstream Merchant Services Pricing, Rates & Fees


We know that Mainstream Merchant Services favors an interchange-plus pricing strategy. However, the company doesn’t disclose what it charges its merchants for virtual terminals and payment gateways.

We do know that Mainstream Merchant Services charges its clients several types of fees, however. For example, you should expect to pay a $10 monthly payment gateway fee, a $10 monthly virtual terminal fee, a regulatory fee of $3.95 per month, and a PCI compliance fee of $6.95 per month.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

Interchange plus (variable)

Keyed-in Rate

Interchange plus (variable)

Mobile Payment Rate

Virtual Terminal Rate

Interchange plus (variable)

Monthly Fee

$3.95 per month (regulatory fee)

Payment Gateway Fee

$10 Per Month

Batch Fee


Early Termination Fee


PCI Compliance Fee

$6.95 Per Month

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum

$20 Per Month

Statement Fee

Mainstream Merchant Services Contract & Terms

Mainstream Merchant Services doesn’t reference its contracts on its website. However, we were able to gather some information from reviews left by merchants that have worked with the company in the past.

According to these reviews, Mainstream favors a three-year contract that automatically renews every two years. This contract comes with a $250 early termination fee. But merchants can avoid this fee if they cancel the agreement via written notice at least 30 days before it’s expected to renew.

Contract Length

3 Years

Early Termination Fee


Mainstream Merchant Services Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Mainstream Merchant Services Complaints, Ratings & Reviews

Mainstream Merchant Services currently has an A rating with the Better Business Bureau. The company has not received very many complaints about its services online either. Together, these two facts seem to suggest that most merchants who use Mainstream are happy with their decision to do so.



A and is not BBB Accredited. (0 Review; 0 Complaint)


4 Stars / 61 Reviews


No Reviews


3 Stars / 2 Reviews


Total Online Reviews


Total Online Complaints




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