Merchant Club of America Review

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Low risk, online, e-commerce, mom and pop, small business.

Specializes in

Merchant Club of America (MCA) is a merchant account provider that mainly processes in the U.S. This company provides payment processing and products revolving around security to merchants in the U.S.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 0% + $0.39 To 5.00% (Debit); 1.39% + $0.10 To 5.00% (Credit)

Keyed-in Rate: 0% + $0.39 To 5.00% (Debit); 1.39% + $0.10 To 5.00% (Credit)

Early Termination Fee : $500

Contract Terms:

3 Years
Visit Merchant Club of America

Zaven Tootikian founded MCA in Plano, TX, in 2014. It had around 50 employees at the height of its operations (now that it is no longer regularly operating). MCA mainly serviced small businesses and online stores as part of its regular customer base. MCA was a registered ISO of Wells Fargo Bank, Walnut Creek, California.

Merchant Club of America Overview


MCA was a reasonably regular merchant account provider operating out of the United States that sold security products and offered payment processing to the merchants it did business with. Its website isn't active, and it appears as if the company is now defunct. MCA has a pricing model that was based on interchange-plus and tiered pricing. Its overall reputation was mixed, with a decent amount of negative reviews.

Another critical point to note is that MCA was involved with Payment Systems Corporation, a merchant account provider that many merchants have claimed is outright fraudulent. This relationship is essential and should be kept in mind for the rest of this review. MCA’s industry focus seemed to be on payment processing for several different businesses, mainly smaller and online businesses, and security products for those companies.

Quick Facts

Head Quarters

Plano, TX

Year Founded



Zaven Tootikian



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Merchant Club of America Products & Services


MCA is now defunct, and its website is no longer active. Because of this, a full list and line of the products and services it offered are hard to view. However, based on different information sources and some general knowledge about the industry, below is a list of products and services that MCA most likely offered during the time it did business.

Point 1: Credit and Debit Processing, Cash Advances

MCA offered to process debit and credit cards for the merchants that it worked with. It also most likely offered cash advances, which work out better than business loans for many merchants because the terms are more geared toward business owners than the kinds of terms a bank offers. These two services are the lifeblood of some industries, and most people these days pay with a card when they buy anything. Cash advances help make payroll, pay bills, meeting other expenses, or taking advantage of a business opportunity. 

Point 2: POS Systems (Terminals, Card Readers, Mobile Devices)

MCA also offered POS systems. These point-of-sale pieces of equipment were necessary to take cards in person, but many of them were faster and more efficient than merely keying in a debit number. Card readers, mobile device card readers (Bluetooth readers attached to your phone), tablets on tables or at the front counter of an establishment, or any of these options are handy for most merchants to have in their physical store.

Point 3: EMV Chip Technology

EMV Chip Technology is a very secure way for customers to pay with their cards, and businesses immediately began adopting them. The chip technology makes it far harder for any kind of fraud to take place and is safer all along the line: for banks, businesses, and merchants, customers, everyone.

Merchant Club of America Payment Processing

  • Bitcoin Processing Compatible
  • Check Guarantee
  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • POS Equipment

Merchant Club of America Billing & Invoicing

  • Multi-Currency
  • Payment Processing
  • Project Billing

Merchant Club of America Advertising & Sales

MCA appeared to use independent resellers to market its services. This is bad for several reasons, but the central negative part about merchant account providers using independent resellers is that the care quality and oversight of a company is not with them. This leads to independent resellers often using aggressive or shady sales tactics to meet quotas or make more money for the month, quarter, or year. Misrepresentation of rates, nondisclosure of contract terms, and pushy tactics are par for the course with independent resellers, more often than not.

MCA appeared to mostly avoid this, but there are still a noticeable amount of negative reviews online speaking about this same behavior from its sales agents. For the most part, MCA appears to use direct advertising in its selling attempts to gain clients and business.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Merchant Club of America Pricing, Rates & Fees


MCA offered both interchange-plus pricing as well as tiered-pricing. Interchange-plus is the most transparent and honest kind of pricing available for a merchant. It appears that the top rate was 1.39% + $0.10, but this is the company’s most qualified rate. Less highly-accredited cards would receive a much higher quality, and the company did not immediately disclose this to merchants.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

0% + $0.39 To 5.00% (Debit); 1.39% + $0.10 To 5.00% (Credit)

Keyed-in Rate

0% + $0.39 To 5.00% (Debit); 1.39% + $0.10 To 5.00% (Credit)

Mobile Payment Rate

Virtual Terminal Rate

0% + $0.39 To 5.00% (Debit); 1.39% + $0.10 To 5.00% (Credit)

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

$139 Per Month

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee


Merchant Club of America Contract & Terms

Information about the MCA contract is scarce, but merchants complain of high equipment lease fees. It is known that the MCA contracts are multi-year extended agreements. There are not many complaints of outstanding cancellation or early termination fees. 

Contract Length

3 Years

Early Termination Fee


Merchant Club of America Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Merchant Club of America Complaints, Ratings & Reviews

MCA had a variety of complaints leveled against it. Many merchants complained about misrepresented rates, random fees, and poor customer service. The BBB, where the business is not accredited, had 1 out of 5 stars from 1 review. Glassdoor and Indeed have it rated highly in terms of the employee end, at 3.9 out of 16 votes and 4.2 out of 10 reviews, respectively.

There didn’t seem to be any lawsuits involving MCA, class-action, or otherwise. While not all aspects of this merchant account provider are wrong, there are noticeably negative aspects that make recommending it more difficult than it should be.





2.6 Stars / 12 Reviews


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