Merchant e-Solutions Review

Rates and Fees
80/100
Truth in Advertising
85/100
Consumer Reviews
95/100
Customer Support
85/100
4

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

1999

CEO

Mike Rouse

Employees

200

Merchant Provider Risk Tolerance

What We Like

What We Don't Like

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

No

Public Pricing Available

Yes

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

$30

Payment Gateway Fee

Undisclosed

Batch Fee

Undisclosed

Early Termination Fee

$300+

PCI Compliance Fee

$34.95 Per Year

Equipment Lease Terms

Undisclosed

Address Verification Service (AVS)

Application Fee

Account Setup Fee

Waived

Gateway Setup Fee

Annual Fee

Monthly Minimum

$20

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

$300+

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.

Ratings

BBB

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

Google

3.2 Stars / 13 Reviews

Facebook

3 Stars. Based on the opinion of 2 people

Yelp

2 Stars / 21 Reviews

Reviews

Total Online Reviews

200+

Total Online Complaints

10+

Lawsuits

None

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