Total Merchant Services Review

9.1
9 Rates & Fees Good / Interchange-plus available
8 BBB Rating & Complaints Good with exception
10 Terms & Contract Month-to-Month / No cancel fee
9.5 Competitive Advantages Free terminal / Free loyalty program

Updated on November 22, 2021

review of payline data credit card processing
review of cdgcommerce
MasterCard Data Integrity

Intro

Total Merchant Services is a North American merchant services provider that offers payment solutions to a variety of businesses. Incorporated in 1996, Total Merchant Services now operates out of Woodland Hills, California. With 19 years of experience, the Company is especially equipped to address client needs with an emphasis on cost-efficiency, safety, and reliability.

Although experienced and well-known in the industry with over 100,000 clients, Total Merchant Services has received a large amount of bad reviews and complaints. 90% of these issues appear to have been resolved, and the Company maintains an A+ BBB rating. Keeping that in mind, Total Merchant Services has several “freebies” that could potentially save clients a fair amount of money and keep costs low for the Company. Are these attractive enough to negate previous issues? Read on to find out.

Rates and Fees: Rating 9/10

Total Merchant Services lists the following rates, but it is prudent to check with the company. TMS does offer interchange-plus pricing when requested.

  • Wireless Service
    • Annual Fee – NONE
    • Monthly Fee – $10 + Wireless Access Fee – $15
    • Monthly Minimum – $25
    • PCI – $4.95 month
    • Non-PCI compliance – None listed
    • Termination Fee – NONE
    • Swipe Rate – 1.49% + $.08, Debit Card Rate – $.30 + 0%
    • Keyed-in Rates – None listed
  • Retail
    • Annual Fee – NONE
    • Monthly Fee – $5
    • Monthly Minimum – $0.00
    • PCI – $4.95 month
    • Non-PCI compliance – None listed
    • Termination Fee – NONE
    • Swipe Rate – 1.39% + $.06
    • Keyed-in Rates – None listed
  • Internet
    • Annual Fee – NONE
    • Monthly Fee – $5
    • Monthly Minimum – $25
    • PCI – $4.95 month
    • Non-PCI compliance – None listed
    • Termination Fee – NONE
    • Swipe Rate – 1.81% + $.08
    • Keyed-in Rates – None listed
  • Check Services – $10
    • Annual Fee – NONE
    • Monthly Fee – $10
    • Monthly Minimum – $15
    • PCI – $4.95 month
    • Non-PCI compliance – None listed
    • Termination Fee – NONE
    • Swipe Rate – 1.46% + $.17
    • Keyed-in Rates – None listed
    • When looking at the rates and fees, compared to many TMS has reasonable rates and does offer interchange-plus pricing upon request. It is important to ask if you are auto enrolled in any programs that have additional monthly fees and opt-out if it’s not a program you desire. Another important factor is to ask what your mid-qualified and non-qualified transaction rates will be if choosing to be on their tiered-rate program. With no early termination fee and low cost pci-compliance fee, we feel this company is on the right track and for that reason we give Total Merchant Services a 9/10 rating for this category.

BBB Rating & Complaints: Rating 8/10

As stated in the introduction, Total Merchant Services maintains an A+ BBB rating. BBB has accredited the Company since 2013, even in the wake of complaints. 128 complaints were closed with BBB within the last 3 years, 78 in the last 6 months. The BBB website claims that the Company has still earned their rating based on some of the following factors:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 132 complaints filed against business
  • Resolution of complaints filed against business

On the BBB website, the majority of the complaints listed were related to problems with products and/or service.  After that, billing and collection issues were listed, then advertising and sales issues. Putting things in perspective, when you do the math of over 100,000 clients and number of complaints, it comes out to be about .0013%. We do congratulate TMS for resolving all complaints but would still like to see most if not all complaints handled before it gets elevated to where the customer feels they should complain to the BBB. For that reason we give TMS an 8/10 rating in this category.

Click Here to see Better Business Bureau report for Total Merchant Services.