Best for
Standard or high risk businesses, especially those that may be interested in zero-percent processing.
Specializes in
MiCamp Solutions specializes in helping standard or high risk businesses with cost-effective card processing solutions.
Pricing Summary
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: Interchange-Plus
Keyed-in Rate: Interchange-Plus
Early Termination Fee : Up to $400
Contract Terms:
MiCamp Solutions has been in business since 2007. The company started out with frustration due to high credit card processing fees. The company's mission is to provide cost-efficient card processing fees and have a great relationship with the businesses they serve.
MiCamp Solutions started in 2007 under the name MiCamp Merchant Services. At some point, the company changed its name. It is currently headquartered in Phoenix, Arizona.
Micah Kinsler is the president and Gary Jeppeson is the current CEO.
MiCamp Solutions services standard and high risk businesses. It claims to serve over 20,000 businesses worldwide, and process over $11 billion in sales every year. Some of their merchants may qualify for MiCamp Solutions’ zero percent, fixed-rate program WAVIt.
The president of MiCamp Solutions, Kinsler, has made statements in support of high risk businesses, affirming his desire to serve them and give them the same type of attention as any other business.
Due to the president’s positive statements about high risk businesses, MiCamp Solutions may be a good choice for high risk businesses that can’t find what they are looking for elsewhere.
Head Quarters
Scottsdale, Arizona
Year Founded
2007
CEO
Micah Kinsler - President
Employees
100
Merchant Provider Risk Tolerance
Hardware and Software
Customers can lease equipment through MiCamp Solutions. The equipment is through First Data Global Leasing. However, customers should be cautious with long-term lease agreements as the lease payments can end up exceeding the value of the equipment.
Value-Added Services
No specific value-added service was specified on their website or marketing materials.
Supported Payment Types and Services
MiCamp Solutions processes all major credit and debit cards including:
Visa
Mastercard
Discover
American Express
They also process checks, gift or loyalty cards, as well as mobile and online payments.
Discloses All Important Terms
No
Public Pricing Available
Yes
Most of MiCamp Solutions’ customers are offered interchange-plus pricing. Their rates for the virtual terminal vary from 1 - 4.99%.
In addition to transaction rates, there are some other fees included in a MiCamp Solutions contract. This includes:
$20 monthly minimum fee
$10 monthly statement fee
$99 annual PCI compliance fee
An undisclosed early termination fee (is not included in every contract)
Plus expenses for equipment leases.
MiCamp Solutions also offers a zero-percent card processing program they call WAVIt.
This program involves both a fixed or flat transaction processing rate, as well as a cash discount to the businesses’ customers. For customers that use a card, a markup is applied to their payment which covers the cost of the credit card transaction.
Zero-percent processing can save a business a lot of money. However, it can also discourage customers from using cards. Every business will have to determine if this type of processing payment method is right for them.
Pricing Model
Interchange Plus
Swiped Rate
Interchange-Plus
Keyed-in Rate
Interchange-Plus
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Monthly Fee
Undisclosed
Payment Gateway Fee
Undisclosed
Batch Fee
Undisclosed
Early Termination Fee
Up to $400
PCI Compliance Fee
$99 Per Year
Equipment Lease Terms
48 Month (locked)
Address Verification Service (AVS)
Application Fee
Account Setup Fee
$0
Gateway Setup Fee
Annual Fee
Monthly Minimum
$20
Statement Fee
$10
MiCamp Solution's contract length and terms vary, but most of them are multi-year contracts. The contracts include monthly and annual fees.
Some contracts include early termination fees that can be up to $400. Early termination fees are only supposed to apply to customers that have taken advantage of offers like buying out an old contract or getting free equipment.
Contract Length
Variable
Early Termination Fee
Up to $400
MiCamp Solutions offers a customer service form on its website in addition to a phone number and email address. They appear to have a dedicated, in-house customer support team, which bodes well for customers getting their issues resolved quickly.
There are online complaints about poor customer service from MiCamp Solutions, but also positive reviews citing excellent customer service. This may indicate some inconsistency in their customer service department.
BBB Rating
MiCamp Solutions has had an accredited Better Business Bureau profile since 2010. They currently have earned an A+ BBB rating.
There are some customer complaints on their profile. Most of them have been resolved to the satisfaction of the customer. Some of the complaints are unresolved.
Customers complain about being unable to cancel accounts, being charged with surprise fees, or money being held.
Other Online Reviews
There are some online complaints about MiCamp Solutions including some published in the Ripoff Report. Customers complain about poor customer service, misleading contract terms, and poor customer service.
MiCamp Solutions was sued in 2020. The case appears to be ongoing, although details about the case are not available.
BBB
A+ and has been Accredited since 2010. (17 Reviews; 4 Complaints)
4.3 Stars / 122 Reviews
No Reviews
Yelp
3.5 Stars / 12 Reviews
Total Online Reviews
150+
Total Online Complaints
20+
Lawsuits
None
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks