Total Merchant Services Review
Total Merchant Services is a merchant account provider that was acquired by North American Bancard in 2017. The company still sells various payment processing products under the Total Merchant Services name. Merchants can use this company to set up payment processing, POS systems, card readers, and other online, mobile, and brick-and-mortar payment solutions.
|Swipe Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Early Termination Fee||$295|
|Contract Terms||3 Years|
Total Merchant Services Overview
Total Merchant Services has roots that trace back to 1996. The company is a registered ISO / MSP of Wells Fargo Bank with headquarters in Woodland Hills, California. Joe Kaplan is the current CEO of Total Merchant Services.
The company’s products are a good fit for merchants across several industries, including those operating in:
- Clothing and apparel
- Restaurants and bars
- Property management
- Other online businesses
Total Merchant Services favors a three-year contract with an early termination fee of $295. The company also charges various types of fees, including PCI compliance fees. Total Merchant Services uses a tiered pricing model but doesn’t disclose its rates publicly.
There are lots of negative reviews of Total Merchant Services online. Many of these criticize the company’s deceptive sales tactics and poor customer service. However, the company does still have an A+ rating with the BBA.
Total Merchant Services Pros & Cons
Total Merchant Services Products & Services
Point of Sale Systems
Total Merchant Services offers merchants several POS solutions to choose from. The company’s systems are sold in bundles that include touchscreen tablets, EMV and NFC-enabled payment devices, and software. The software that you receive will help with inventory management and financial reporting, among other things.
Terminals and Card Readers
Total Merchant Services says that it offers free credit card readers and portable swipers. But it’s unclear what type of deal a merchant would need to agree to in order to take advantage of this deal. Regardless, there are several different types of terminals and card readers to choose from. Total Merchant Services has countertop terminals, wireless terminals, and mobile terminals available.
You can also take care of your card-not-present payments with Total Merchant Services. The company offers several helpful features in this area, including virtual terminals, recurring billing, and a hosted pay page. Total Merchant Services enables merchants to engage in eCommerce with a single payment processing solution.
Total Merchant Services Advertising & Sales
Total Merchant Services doesn’t seem to use intentionally deceptive advertising practices. But the company does claim to offer things like free terminals and affordable prices without disclosing any concrete information about what a merchant needs to do to access these deals. This can be frustrating, as it means that a merchant would need to contact Total Merchant Services directly to figure out its prices.
Total Merchant Services has had numerous complaints about its sales practices. It uses independent sales agents, which are known for using deceptive tactics to get merchants to sign up for the service.
Truth in Marketing
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
|Public Pricing Available||No|
Total Merchant Services Pricing, Rates & Fees
Unfortunately, very little is known about Total Merchant Services’ pricing. We know that the company uses a tiered pricing structure and we know that it charges various fees. But the company has not published any information about its rates for swiped, keyed-in, or card-not-present transactions.
Merchants may encounter a PCI compliance fee of up to $95 per year with Total Merchant Services. Your contract with the company may also include an early termination fee of $295.
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||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||$295|
|PCI Compliance Fee||Up to $95 Per Year|
|Equipment Lease Terms||Free Terminals and Readers|
|Address Verification Service (AVS)|
|Account Setup Fee||$0|
|Gateway Setup Fee||$0|
Total Merchant Services Contract & Terms
From the limited information that’s available online, it seems as though Total Merchant Services favors a three-year contract that automatically renews. Merchants who wish to get out of the contract early would have to pay an early termination fee to do so. That means it’s important to verify that this company will be a long-term partner for you before signing up for one of its services.
Total Merchant Services Setup & Support
Total Merchant Services’ setup process is consistent with the industry’s average. The company has an online knowledge base that you can refer to if you need help. It also offers live 1-on-1 support to merchants that need additional assistance.
The company seems to have solid customer support offerings. It provides domestic phone support during normal business hours. It also has offshore tech support available after business hours. There’s also an online FAQ page that you can reference to get quick answers to common questions.
Total Merchant Services Complaints, Ratings & Reviews
There are lots of negative reviews online about Total Merchant Services. Many of these reviews call the company a scam. Merchants complain about deceptive sales tactics, poor customer service, and even the withholding of funds. It seems that many of these complaints are tied to the deceptive practices used by independent sales agents. Despite all of that, Total Merchant Services still has an A+ rating with the Better Business Bureau.
|BBB||A+ and has been Accredited since 2013. (14 Reviews; 43 Complaints)|
|1.3 Star / 16 Reviews|
|No Recommendations Yet|
|Yelp||1 Star / 19 Reviews|
|Total Online Reviews||300+|
|Total Online Complaints||100+|