Mom & Pop Merchant Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small businesses looking for a cash infusion to increase their sizes and productivity of businesses.

Specializes in

Merchant cash advances for small businesses. They work directly with Independent Sales Organizations to facilitate the underwriting of business loans that rely on a percentage of credit card sales for repayment.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.30

Keyed-in Rate: 3.69% + $0.30

Early Termination Fee : $495

Contract Terms:

Visit Mom & Pop Merchant Solutions

Mom & Pop Merchant Solutions was founded in 2007.

They are located in Portland, OR.

Bret Martin is listed as the founder and CEO.

Mom & Pop Merchant Solutions Overview


Beginning in 2016, Mom & Pop Merchant Solutions established their cash advance business with small businesses in mind. Knowing the capital it can take for most merchants to get their ideas off the ground, Bret Martin created his own business using the credit card cash advance as a way to establish new businesses.

Utilizing independent contractors and functioning as the source of funds, Mom & Pop have maintained some distance from the businesses themselves.

While there are some references to reselling merchant accounts, it appears that Mom & Pop sticks to the funding for the most part.

Whatever their actual role is, they have maintained a very low complaint count. When considering the number of businesses they interact with this fact is astonishing and indicates something in their system works very well.

Quick Facts

Head Quarters

Portland, Oregon

Year Founded



Bret Martin



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Professional Services
  • Restaurant / Bar
  • Retailers
  • Telemedicine
  • Thrift Store
  • Travel
  • Wholesalers

Business Types Served

  • B2B
  • Mobile
  • Mom & Pop
  • MOTO
  • Retail / Card Present
  • Small Business
  • Wholesale

Mom & Pop Merchant Solutions Products & Services


Hardware and Software

There is no hardware or software to be offered. They work exclusively as a fund pool for merchant cash advances.

Value-Added Services

There are no listed services. It appears that the company has minimal interaction with the merchants at any point outside of the day the funds are dispersed to the merchant bank accounts.

Supported Payment Types and Services

Since they direct people to Fiserv, all major payment types are likely accepted once a merchant account has been established.

American Express

Mom & Pop Merchant Solutions Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Check Guarantee
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Payment Gateway
  • POS Equipment

Mom & Pop Merchant Solutions Billing & Invoicing

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

Mom & Pop Merchant Solutions Advertising & Sales

Mom & Pop Merchant Solutions works exclusively with independent contractors. These contractors operate as an insulating layer between the merchants and the funding company. On the company website, it is stated that the only interaction a merchant will have with Mom & Pop is on the funding day.

Everything else runs through the independent contractor who acts as a point of contact for the entirety of the relationship.

There are no complaints about the actions of these contractors. The only complaints to be found are from the independent contractors who have to pay $100-$2500 to buy into the company and begin selling.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Mom & Pop Merchant Solutions Pricing, Rates & Fees


The repayment pricing on merchant cash advances is variable. They depend on several factors including business type, risk, and volume. On average they range anywhere from 10 to 200%

Mom & Pop do not specify the range of their merchant loans, but merchant loans, in general, tend to be higher than bank loans.

The difference is that merchant loans are paid back as a percentage of credit card transactions and are not tied to a specific monthly payment. The upside is the amount paid each month follows the business revenue. The downside is the merchant will be responsible for paying back a greater amount than the original loan.

The Mom & Pop Merchant Solutions offering up to a million dollars in a loan, this could be a hefty payoff amount.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

2.69% + $0.30

Keyed-in Rate

3.69% + $0.30

Mobile Payment Rate

Virtual Terminal Rate

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Mom & Pop Merchant Solutions Contract & Terms

Contracts, like the loans themselves and monthly payments, are variable and likely depend on the amount being borrowed and the type of business.

In general, loan repayments are measured in months. The average repayment is 3-18 months. There are longer contracts for larger sums borrowed.

Contract Length


Early Termination Fee


Mom & Pop Merchant Solutions Setup & Support


According to the company website, the establishment of a loan can be secured in no more than a couple of days. It appears that some merchants can secure loans and have their money transferred into their accounts on the same day.

While there is no way to tell if this is the average, Mom & Pop Merchant Solutions advertise this as a real possibility for merchants looking for a quick cash influx to stimulate their business.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Mom & Pop Merchant Solutions Complaints, Ratings & Reviews

BBB Rating


Mom & Pop Merchant Solutions is not accredited by the Better Business Bureau.

They do not have any official complaints through the website, but they do have three customer reviews offering a 1/5 star rating. These complaints are not targeting the merchant side of the business but instead are from Independent Sales Organizations (ISOs) who have invested in the company without seeing the returns they were promised.

There are no complaints from actual merchants and it appears the loan side of the business operates reasonably and legitimately.

Other Online Reviews

There are no other reviews to be found online. This could be a result of the company parting ways with Securus and focusing on the merchant loan side of the business. This simplification may have resulted in a drop in previous complaints.

However, without being able to locate any complaints from before the separation, it is difficult to judge.



C+ and is not BBB Accredited. (0 Review; 1 Complaint)


4.9 Stars / 307 Reviews


No Recommendations Yet


3 Stars / 17 Reviews


Total Online Reviews


Total Online Complaints




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