Merchant Processing Company Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

High-risk merchants who are okay with long-term contracts

Specializes in

Payment processing, terminal leases, high-risk merchant accounts, standard risk merchant accounts

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $495

Contract Terms:

3 Years
Visit Merchant Processing Company

The Merchant Processing Company is a merchant account provider that services both high and standard-risk merchants. The company provides payment processing solutions for a wide variety of transaction types. It also offers terminal leases and merchant accounts, among other services.

Merchant Processing Company Overview


The Merchant Processing Company was founded in 2010 and is based out of Princeton, New Jersey. The company also sometimes conducts its business through various DBAs, including the Crescent Processing Company. Some of the industries that The Merchant Processing Company services include:

  • Retail

  • Restaurant

  • Service

  • Salons

  • Hotel

  • Transportation

  • eCommerce

  • Grocery

Merchants can use this company to process a wide variety of payments both online and in person. The Merchant Processing Company offers terminals and merchant accounts to facilitate this.

The company favors a four-year contract with an early termination fee of $495. But its pricing practices are entirely unclear. The Merchant Processing Company has not published any information about its rates.

The Merchant Processing Company doesn’t have a profile with the Better Business Bureau, so no rating for them is available. The company itself doesn’t have many negative reviews online but its DBA, the Crescent Processing Company, does.

Quick Facts

Head Quarters

Princeton, New Jersey

Year Founded



Brian Johnson



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Legal
  • Marijuana / Cannabis
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • MLM
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Merchant Processing Company Products & Services


Payment Processing

The Merchant Processing Company offers merchants a variety of payment processing solutions to choose from. The company can help merchants process the following types of payments, both in-person and online:

  • Pin-based debit

  • Credit

  • Checks

  • Gift cards

Unfortunately, it’s unclear whether The Merchant Processing Company can process EMV payments, Apple Pay, or Google Pay for merchants.

High-Risk Merchant Accounts

The Merchant Processing Company markets itself as a company that can support the needs of high-risk merchants. However, it’s entirely unclear what the company can do for them. The Merchant Processing Company doesn’t provide any information about its high-risk services beyond the fact that it offers high-risk merchant accounts.


The Merchant Processing Company advertises free terminals for any merchant that signs up for an account with it. But it’s unclear what criteria need to be met in order to qualify for this offer. That being said, the company does have a good selection of terminals to choose from, including:

  • Landline terminals

  • IP terminals

  • Wireless terminals

  • Virtual terminals

Merchant Processing Company Payment Processing

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

Merchant Processing Company Billing & Invoicing

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

Merchant Processing Company Advertising & Sales

The Merchant Processing Company doesn’t use any deceptive advertising practices, which is good to see. But the company discloses very little meaningful information to the public. This means a merchant who is interested in using The Merchant Processing Company will likely need to contact the company directly to figure out if they’re a good fit for one another.

The company hires independent sales agents to sell its services. This is a tactic that is commonly tied to deceptive quotes, hidden fees, and unanticipated contractual terms. There aren’t many complaints about these types of things for The Merchant Processing Company at this time. But that could be because the company has only been active under this name for a few years.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Merchant Processing Company Pricing, Rates & Fees


Unfortunately, it’s impossible to say anything about The Merchant Processing Company’s pricing and fees. The company has published no information about rates, PCI Compliance fees, monthly fees, or any other charges. All that we know about  The Merchant Processing Company is that it uses a tiered pricing model.

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

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Merchant Processing Company Contract & Terms

The Merchant Processing Company favors four-year contracts with an early termination fee of $495. That means merchants need to be confident that this company is their long-term solution before signing any deal with it. 

We also know that The Merchant Processing Company uses a 48-month contract for its equipment leases. But the company has not provided any additional information about its terms.

Contract Length

3 Years

Early Termination Fee


Merchant Processing Company Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Merchant Processing Company Complaints, Ratings & Reviews

The Merchant Processing Company has no rating with the Better Business Bureau and very few online reviews. However, its DBA Crescent Processing Company has received a large number of negative reviews and complaints. Many of these criticized the company for inaccurate quotes, undisclosed fees, and dishonest billing practices. It’s likely that the Merchant Processing Company has some of these problems as well.











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