Standard-risk merchants who want a “free” terminal in exchange for signing a long-term agreement
Payment gateways, virtual terminals, terminals, speedy electronic check processing, merchant cash flow services
Setup Fee: $0
Monthly Fee: $5 (Service charge)
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : None
Money Tree Merchant Services is a reseller of Global Payments processing services and terminals. The company offers “free” terminal deals to merchants who sign an extended contract with it.
Money Tree Merchant Services is a registered ISO of Wells Fargo Bank. It resells services from Global Payments and Authorize.Net.
Several different companies operate under the name of Money Tree Merchant Services. It’s unclear whether these companies are linked or if they are independent of one another. This review will focus on the offerings of MoneyTreeMerchantServices.com, as this appears to be the primary provider.
Merchants can use Money Tree for online payment processing, terminals, and merchant cash flow services like cash advances. The company is pretty secretive with its pricing and uses some deceptive advertising tactics.
However, Money Tree Merchant Services has an A+ rating with the Better Business Bureau and has received a limited number of online complaints.
Woodland Hills, California
Merchant Provider Risk Tolerance
Money Tree Merchant Services claims to provide merchants with a wide variety of free terminals to choose from. Some of the options that are available include:
These terminals may indeed be free to begin using. However, these “free” terminal deals are pretty standard in the payment processing industry. Often, a merchant needs to sign up for a long-term payment processing agreement to qualify for a free terminal.
The company doesn’t clearly state the terms of this offer on its website. But a merchant would likely need to commit to a multi-year agreement to receive a free terminal from Money Tree Merchant Services.
Merchant Cashflow Services
Money Tree Merchant Services also offers a variety of cash flow services for merchants to take advantage of. For example, the company provides speedy electronic check processing, merchant cash advances, and gift & loyalty card services.
The company’s electronic check processing service appears to be solid. The service will electronically deposit any funds from the checks that you cash to your bank account within 24 to 48 hours.
Online Payment Gateway
Merchants can also sign up for online payment gateways and virtual terminals through Money Tree Merchant Services. These are provided by Authorize.Net but sold through Money Tree.
The company doesn’t provide the terms for its online payment gateways or virtual terminals on its website. However, we do know that Authorize.Net typically charges a rate of 2.90% per transaction plus $0.30 and a monthly gateway fee. Merchants should expect to get a similar deal from Money Tree Merchant Services.
Discloses All Important Terms
Public Pricing Available
Unfortunately, Money Tree Merchant Services doesn’t provide very much information about its pricing or fees online. But we do know that the company is a reseller of Authorize.Net services, which means that its prices are likely to be very similar to those offered by Authorize.Net.
Merchants who are looking to process their payments through Money Tree should expect to pay around 2.90% per transaction + $0.30. The company also has a $25 monthly gateway fee and a $4.95 monthly PCI compliance fee.
1.00% - 4.99%
1.00% - 4.99%
Mobile Payment Rate
Virtual Terminal Rate
3.69% + $0.22
$5 (Service charge)
Payment Gateway Fee
$10 Per Month
Early Termination Fee
PCI Compliance Fee
$4.95 Per Month after the first year
Equipment Lease Terms
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
From online reviews, we’ve ascertained that Money Tree Merchant Services offers variable contract terms. This means that the company adjusts its terms and conditions based on the unique profile of every merchant it works with.
We’ve seen some feedback stating that the company offers a month-to-month agreement with no termination fees. However, it’s unclear whether this offer is available to all merchants or only those that fit into certain categories of business.
Early Termination Fee
Money Tree Merchant Services currently has an A+ rating with the Better Business Bureau. It also has very few negative complaints online, which is a good sign for merchants who are interested in doing business with the company.
A+ but is not BBB Accredited. (0 Reviews; 0 Complaints)
2.3 Stars / 16 Reviews
1 Star / 1 Review
Total Online Reviews
Total Online Complaints
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