Merchant e-Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants that operate on a global scale

Specializes in

Merchant accounts, international payment processing, domestic payment processing, payment gateways, eCommerce solutions, POS systems, mobile payments, reporting

Pricing Summary

Setup Fee: Waived

Monthly Fee: $30

Swipe Rate: 2.69% + $0.30

Keyed-in Rate: 2.69% + $0.30

Early Termination Fee : $300+

Contract Terms:

3 Years
Visit Merchant e-Solutions

Merchant e-Solutions (MeS) is a merchant account provider that Cielo owns. The company offers several merchant solutions, including payment processing, POS systems, and an all-in-one reporting platform. MeS stands out with its international payment processing capabilities as well.

Merchant e-Solutions Overview


Merchant e-Solutions is a registered ISO / MSP of Wells Fargo Bank. Cielo acquired MeS in 2012, and the company’s domestic operations are based out of Redwood City, California.

MeS offers a wide variety of merchant solutions, including POS systems and mobile swipers. But the company specializes in processing online payments. It’s especially noteworthy for its international processing capabilities. 

Merchants who use MeS can accept payments in 150 currencies from across the globe. That can be very useful for companies that operate on a global scale.

Unfortunately, Merchant e-Solutions doesn’t publish very much information about its rates and fees. The company is also somewhat secretive about its contractual terms. Merchants who are interested in using MeS will have to approach the company directly to figure out what their rates would be with them.

MeS currently has an A+ rating with the Better Business Bureau and hardly any negative complaints. This is typically a very good sign -- especially for a company of this size.

Quick Facts

Head Quarters

Alpharetta, Georgia

Year Founded



Mike Rouse



Merchant Provider Risk Tolerance

What We Like

Has international payment processing capabilities.

Offers a wide variety of payment processing options.

Account setup fee is waived.

Point of sale terminals are not leased.

Offers a comprehensive reporting program.

What We Don't Like

Three year contract term.

Has a monthly fee.

Early termination fee assessed.

All rates and fees are not published.

Contractual terms are not widely disclosed.

Industries Served

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

Business Types Served

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

Merchant e-Solutions Products & Services


Payment Processing

Merchant e-Solutions offers a wide variety of payment processing options for merchants to choose from. The company accepts all major payment types with its payment gateway and virtual terminal services. Merchant e-Solutions also offers international payment processing for more than 150 currencies across the world.

You can even use Merchant e-Solutions’ MeS mobile app to run a virtual terminal on a mobile device. The company provides several mobile swipers to choose from, which makes it easy to find one that works for your business needs.

POS Solutions

MeS also offers several different POS solutions to its merchants. However, it doesn’t provide much information on its website about what these actually are. The good news is that MeS only sells and rents its POS terminals to merchants, which is much favorable to leasing. If you’d like to learn more about the company’s POS solutions, it appears that you would need to contact a customer service agent directly to do so.

All-in-One Reporting Platform

Merchant e-Solutions also offers a comprehensive reporting platform. You’ll get the most out of this if you sign up for multiple services from MeS. If you do, your domestic and international transaction data should be presented together in a single spot where you can analyze them. This can be a pretty useful way to alter your business practices to maximize your income.

It isn’t entirely clear whether this reporting platform is free for all MeS merchants or if it’s available at an additional fee. The company’s website doesn’t provide this information.

Merchant e-Solutions Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Merchant e-Solutions Billing & Invoicing

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

Merchant e-Solutions Advertising & Sales

Merchant e-Solutions doesn’t use any deceptive advertising practices, from what we can tell. The company’s website is pretty sparse. You won’t find much specific information about what a potential contract with MeS might look like. So the company doesn’t lie about its offerings, but it doesn’t disclose much information about them either.

MeS sales practices are also a bit unclear. The company may use independent sales agents alongside an in-house team. But we don’t know much more than that. We can say that MeS has received very few online complaints about its sales practices, which is a good sign for merchants.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Merchant e-Solutions Pricing, Rates & Fees


Unfortunately, there’s no pricing information published on the MeS website. However, the company does appear to offer both tiered pricing and interchange-plus plans. The company also has a low monthly fee of between $5 and $10, as well as a $9.95 PCI compliance fee.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

2.69% + $0.30

Keyed-in Rate

2.69% + $0.30

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$34.95 Per Year

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Merchant e-Solutions Contract & Terms

According to merchant reviews, MeS favors a three-year contract with an automatic renewal clause. This is pretty standard for the industry. It also appears that MeS can be flexible with the length of the contracts that it offers. Some merchants have been given offers for as low as one year.

The company does have an early termination fee of $300. This could actually be higher if MeS assesses liquidated damages when you break the contract.

Contract Length

3 Years

Early Termination Fee


Merchant e-Solutions Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Merchant e-Solutions Complaints, Ratings & Reviews

MeS currently has an A+ rating with the Better Business Bureau. The company has very few negative reviews online -- especially for a provider of its size. This is a very good sign for merchants who want to do business with the company.



A+ and has been Accredited last year, 2020. (2 Reviews; 1 Complaint)


3.2 Stars / 13 Reviews


3 Stars. Based on the opinion of 2 people


2 Stars / 21 Reviews


Total Online Reviews


Total Online Complaints




Merchant e-Solutions Alternatives


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