Total Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants who would like to handle several aspects of their payment processing needs with the same company

Specializes in

Payment processing, POS systems, terminals & card readers, mobile POS, virtual terminal solutions

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $295

Contract Terms:

3 Years
Visit Total Merchant Services

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.

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

  • Electronics

  • Healthcare

  • SAAS

  • 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.

Quick Facts

Head Quarters

Woodland Hills, California

Year Founded



Joe Kaplan



Merchant Provider Risk Tolerance

What We Like

Zero account setup fee.

No gateway set up fee.

Can support a multitude of payment solutions for various businesses.

Uses a tiered pricing model.

The company's systems are sold in bundles.

What We Don't Like

Early termination fee.

Three year contract terms.

Has a PCI compliance fee.

All rates are not publicly disclosed.

Customer service is rated poor.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • 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
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Wholesale

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.

Payment Processing

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 Payment Processing

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

Total Merchant Services Billing & Invoicing

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

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

Discloses All Important Terms


Public Pricing Available


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%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

Up to $95 Per Year

Equipment Lease Terms

Free Terminals and Readers

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

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.

Contract Length

3 Years

Early Termination Fee


Total Merchant Services Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

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.



A+ and has been Accredited since 2013. (14 Reviews; 43 Complaints)


1.3 Star / 16 Reviews


No Recommendations Yet


1 Star / 19 Reviews


Total Online Reviews


Total Online Complaints




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