Money Tree Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants who want a “free” terminal in exchange for signing a long-term agreement

Specializes in

Payment gateways, virtual terminals, terminals, speedy electronic check processing, merchant cash flow services

Pricing Summary

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

Contract Terms:

Visit Money Tree Merchant Services

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 Overview


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, 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.

Quick Facts

Head Quarters

Woodland Hills, California

Year Founded



Lawrence Bruno



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • Thrift Store

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

Money Tree Merchant Services Products & Services


“Free” Terminals

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:

  • Hypercom T4220 Dual Comm

  • Hypercom M4230 Wireless

  • Payment Jack Cell Phone Swiper

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.

Money Tree Merchant Services Payment Processing

  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Money Tree Merchant Services Billing & Invoicing

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

Money Tree Merchant Services Advertising & Sales

Money Tree Merchant Services’ advertising practices are a bit deceptive. The company claims to offer a wide variety of “free” services on its website. However, it’s highly unlikely that these services are offered with no strings attached. Rather, merchants will typically need to sign up for a long-term deal in order to access the “free” services.

The company also appears to hire independent sales agents to sell its products. This is a product that’s often tied to poor outcomes for merchants. However, Money Tree Merchant Services hasn’t received very many negative reviews about its sales practices online.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Money Tree Merchant Services Pricing, Rates & Fees


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.

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

3.69% + $0.22

Monthly Fee

$5 (Service charge)

Payment Gateway Fee

$10 Per Month

Batch Fee


Early Termination Fee


PCI Compliance Fee

$4.95 Per Month after the first year

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee

Annual Fee


Monthly Minimum


Statement Fee

Money Tree Merchant Services Contract & Terms

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.

Contract Length


Early Termination Fee


Money Tree Merchant Services Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Money Tree Merchant Services Complaints, Ratings & Reviews

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


No Reviews


1 Star / 1 Review


Total Online Reviews


Total Online Complaints




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