Mercantile Processing Inc. Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Companies and businesses that would like to combine their finances under one processor that is flexible and partners with a variety of credit and debit card companies.

Specializes in

Mercantile processing provides payroll solutions and partners with most debit and credit cards. They have also added many different services such as ATM machines.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%+

Keyed-in Rate: 1.00% - 4.99%+

Early Termination Fee : Variable

Contract Terms:

Visit Mercantile Processing Inc.

Founded in 2006.

Mercantile Processing is a payment processing company that was designed specifically for merchants but has since grown into more.

Mercantile Processing has almost no negative reviews online and appears to have excellent customer service. They have an apparently easy setup and multiple offices with live assistance if necessary.

Mercantile Processing Inc. Overview


Mercantile Processing was founded in the year 2006 in Delaware. Excellent customer service is a priority at Mercantile Processing. Since its founding, they have expanded and now have offices in most parts of America.

Mercantile Processing had its first opportunity to partner with a bank in the year 2009. This was the first of many bank partnerships. The company is a registered ISO with Wells Fargo Bank N.A., Concord, California.

Originally founded as a company solely for merchants Mercantile Processing has since evolved into a company that offers a variety of services not all being merchant based.

Quick Facts

Head Quarters

Millville, Delaware

Year Founded



Kyle Morgan



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
  • Hunting & Outdoor Equipment
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Software & Apps
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

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

Mercantile Processing Inc. Products & Services


Hardware & Software

Mercantile Processing is accessible for almost all credit and debit cards (specifics unknown).

For their customers, they have loyalty programs available to guarantee satisfaction. Their customer service is all-around outstanding.

Mercantile Processing’s hardware includes ISV and POS systems and they provide a variety of other services such as ATM machines, payroll solutions, and EMV swipers.

Value-Added Services

Mercantile Processing offers services such as ATM machines, gift cards and programs, Lavu, Vend, e-commerce, and POS bundles.

MPI also offers payroll solutions as another added service.

Supported Payment Types & Services

Mercantile Processing will finance most businesses and partners with the sales providers Lavu and Vend. Lavu was made with small businesses such as restaurants and stores in mind while Vend was designed to process payment for medium-size businesses and retailers.

VetBadger is another POS system offered through Mercantile Processing made as a veterinarian’s management system.

They also will partner with most credit and debit cards and accept e-commerce.

Mercantile Processing Inc. Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

Mercantile Processing Inc. Billing & Invoicing

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

Mercantile Processing Inc. Advertising & Sales

Outside of reviews and their web page it is not apparent that Mercantile Processing advertises its products and services adamantly. They seem to rely on the reputation the incorporation has created to attract customers.

Mercantile Processing works with independent companies and small businesses but this does not stop them from offering a large variety of services.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Mercantile Processing Inc. Pricing, Rates & Fees


Pricing seems to vary depending on the company’s size and type.

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


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Mercantile Processing Inc. Contract & Terms

According to the company’s website, there is no apparent contract or any pricing information. It appears that contracts and pricing are customized for every customer.

On another review, there are slight indicators that there may be an early termination fee.
The same review refers to equipment lease fees for ATMs but does not list a price.

Contract Length


Early Termination Fee


Mercantile Processing Inc. Setup & Support


The Mercantile Processing homepage is very beautifully organized and is simple to follow. They have all of their services listed at the top of the page in drop-down boxes to make setup easier.

They seem to have great, live customer service for assistance if needed.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Mercantile Processing Inc. Complaints, Ratings & Reviews

BBB Rating

Mercantile Processing has received an A+ BBB rating for its simplicity and great service. There have been no complaints filed for this company on the BBB website.

The company also appears to have no lower than a 5-star rating elsewhere.

Other Online Reviews

There are almost no complaints online about mercantile processing.



A+ and has been BBB Accredited since 2008. (7 Reviews; 0 Complaints)


5 Stars / 3 Reviews


5 Stars. Based on the opinion of 2 people


No Reviews


Total Online Reviews


Total Online Complaints




Mercantile Processing Inc. Alternatives


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