Sam’s Club Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Sam's Club Merchant Services is best for small to mid-sized businesses serving the retail, restaurant, and services industries.

Specializes in

Sam's Club Merchant Services (Sam's Club) is a reseller of Fiserv (previously known) merchant account services catering to the retail, restaurant, and services industries. The company offers a tiered pricing structure that isn't as transparent as interchange-plus pricing. There is also no specific mention by Sam's Club of the company's offering of an easy-to-integrate payment gateway, shopping carts, virtual terminals, or API and support for eCommerce service businesses. Sam's Club partners with Clover and First Data Global Leasing to offer mobile and traditional POS equipment.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 2.29% + $0.19

Keyed-in Rate: 3.29% + $0.19

Early Termination Fee : Up to $90

Contract Terms:

Visit Sam’s Club Merchant Services

Sam's Club Merchant Services is an ISO/MSP of Wells Fargo Bank, N.A., of Concord, California. The parent company, Sam's Club, was founded in 1983, and the company's headquarters are in Bentonville, Arkansas. The current CEO of the company is Kathryn McLay.

Sam’s Club Merchant Services Overview


Sam's Club was founded in 1983 as a member's-only retail warehouse outlet. The current headquarters of the company are in Bentonville, Arkansas, and is led by Kathryn McLay. Sam's Club Merchant Services is a division that offers merchant account solutions via its reseller agreement with Fiserv. The company has also partnered with First Data Global Leasing and Clover for POS equipment sale and leasing.

Sam's Club caters to the retail, restaurant, and services industries and offers tiered pricing. Sam's Club is not accredited with the Better Business Bureau (BBB) and has no rating. However, there have been a fair number of complaints against the company for lack of fee disclosure, misrepresentation of rates, and poor customer service.

Quick Facts

Head Quarters

Bentonville, AR

Year Founded



John Furner



Merchant Provider Risk Tolerance

What We Like

Offers a full line of Clover products

EMV-compatible mobile card reader

What We Don't Like

Primarily offers tiered pricing plans

Standard multi-year contract

Undisclosed early termination fee

Deceptive sales tactics

Poor customer service

Limited pricing disclosed online

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Sam’s Club Merchant Services Products & Services


Payment Processing: Sam's Club offers businesses merchant services to accept American Express, Discover, Visa, and Mastercard as a reseller of Fiserv payment processing, formerly First Data.

Point of Sale: Sam's Club resells and mobile POS equipment of Clover and First Data Global Leasing. The company's POS products include Clover Flex, Clover Go, Clover Station, Clover Station Pro, and FD130.

Tertiary: There is also POS software available through Clover, along with the equipment depending on merchants' needs, including:

Payments Plus – can accept cash payments and signatures.

Register Lite – offers the functionality of Payments Plus along with barcode scanning and inventory tracking.

Register – Includes all other models' functionality and offers order management and operations management, and analytics tools.

The Clover Go mobile app lets merchants review transactions, manage operations, employee performance, track inventory, and run reports, all in real-time.

Sam’s Club Merchant Services Payment Processing

  • Cash Transactions
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment

Sam’s Club Merchant Services Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Sam’s Club Merchant Services Advertising & Sales

There have been no complaints about Sam's Club sales tactics. The company uses internal sales teams, which are often perceived to be better trained due to tighter internal controls and oversight. However, common complaints against the company are the lack of disclosures regarding the company's charges and often misrepresenting rates and fees.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Sam’s Club Merchant Services Pricing, Rates & Fees


Sam's Club resells payment processing services of First Data. Below is the detail we have found for their fees;

Swiped rate: 2.29% + $0.19

Keyed rate: 3.29% + $0.19

Annual PCI Compliance Fee: $49.95

Early Termination Fee: $90

Since Sam's Club specializes in catering to retail, restaurants, and e-commerce and services businesses, merchants are likely to incur charges for batch fees, gateway and virtual terminal costs, and technical support charges. The company does not disclose these fees and has had its fair share of complaints about that lack of disclosure.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

2.29% + $0.19

Keyed-in Rate

3.29% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

3.29% + $0.19

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up to $90

PCI Compliance Fee

$49.95 Per Year

Equipment Lease Terms

Up to 60 Months (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum

$5 (Value Rate Plan Only)

Statement Fee

Sam’s Club Merchant Services Contract & Terms

Unfortunately, Sam's Club isn't very transparent with the contract terms. The company offers tiered pricing via its reseller merchant accounts partner Fiserv.

The company also has a lease equipment offering for POS equipment through Clover that has a duration of 48 months. Also, the company offers equipment leasing through First Data Global Leasing for which is proprietary POS equipment. In that scenario, the merchant ends up with an equipment lease of 48 months and is bound to only process payments for the lease duration through Fiserv.

We firmly believe that the outright purchase of any equipment merchants need as the lease is a much more expensive prospect.

Contract Length


Early Termination Fee

Up to $90

Sam’s Club Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Sam’s Club Merchant Services Complaints, Ratings & Reviews

Sam's Club Merchant Services is not accredited with the Better Business Bureau as a separate business, nor is the parent company. To make matters more complicated, most complaints are likely to be filed against Fiserv rather than Sam's Club, as they handle all payment processing and customer support. Nonetheless, there have been complaints against Sam's Club Merchant Services mainly for poor customer service, misrepresentation of rates, and lack of disclosure to begin with.











Total Online Reviews


Total Online Complaints




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