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Change Merchant Solutions Review

Phillip Parker
Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

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Change Merchant Solutions Overview

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Rating

5/5
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Website
(818) 346 9888

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Rating:
5/5
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(818) 346 9888

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Founded in 2006

Change Merchant Solutions is a merchant account provider headquartered in Westlake Village, California. Established in 2006, the company currently acts as the exclusive processing partner of national credit assessor Dun & Bradstreet and online wine retail platform WineDirect.

Headquarters and Ownership

Change Merchant Solutions is a reseller of Paysafe, Cayan, and PowerPay; it is a registered ISO/MSP  of Woodforest National Bank, The Woodlands, TX.. The company is headquartered at 2575 Northlake Cir, Westlake Village, California 91361, and Jeff Cole is listed as the president of Change Merchant Solutions.

Change Merchant Solutions Review Table of Contents

  • Costs & Contract: Change Merchant Solutions advertises interchange-plus pricing with no early termination fees.
  • Complaints & Service: Change Merchant Solutions has not received any public complaints.
  • BBB Rating: Change Merchant Solutions has an “A+” rating and has received 0 complaints and 0 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2015.
  • Sales & Marketing: Change Merchant Solutions does not appear to hire independently contracted sales agents and has not received any complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With Change Merchant Solutions
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Change Merchant Solutions Rates, Fees, and Costs

Change Merchant Solutions Rates, Fees, and Costs

Cost Summary

Swiped Rate Interchange-Plus
Keyed-in Rate Interchange-Plus
Monthly Statement Fee $10
Early Termination Fee None
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Change Merchant Solutions Contract Terms

There is very little publicly available information about the standard Change Merchant Solutions contract at this time. The company advertises interchange-plus pricing with a $10 monthly statement fee, a free terminal, and no early termination fees or setup fees. Although these terms are generally favorable, the specific language of the company’s contract may include other fees or undisclosed costs. It is also likely that the company’s “free terminal” is provided under the condition that a merchant processes with the company for a minimum period of time.

No Contract Complaints

Given the company’s advertised terms and the complete lack of complaints related to its contract terms, we have assigned it an “A” rating for the time being. Change Merchant Solutions’ terms, however, are not competitive with the cheapest merchant accounts. If you have any specific knowledge of the Change Merchant Solutions contract (including any PCI compliance fees or monthly minimum fees), please share that information in the comment section below this review.

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Change Merchant Solutions BBB Rating Summary

BBB Summary

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

Change Merchant Solutions has been accredited with the Better Business Bureau since April 2015 and currently maintains an “A+” rating. The company has received 0 complaints in the past 36 months.

What Merchants Say

It has also received 0 informal positive reviews on its BBB profile in the last 36 months, but it should be noted that these reviews are not subject to verification by the BBB. Prior to that period we documented 5 positive reviews. The most recent review from that period conveyed the quality of the company’s customer service:

Great customer service, fast help, and reliable processing. Low rates, and intuitive back end reporting. worth the switch.

Great customer service is a benchmark of a top merchant account provider and should be considered by and business before signing into a contract.

An “A” Performance Overall

Given the company’s clean complaint record with the BBB, we agree with its rating. However, merchants should be aware that there are reasons to be skeptical of the BBB’s reviews.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

No Sales Complaints

Change Merchant Solutions appears to market its services through traditional advertising and strategic partnerships. We are unable to verify at this time whether the company hires independent sales agents, but we have found no Change Merchant Solutions complaints that describe deception by the company’s sales team. Still, if you suspect that Change Merchant Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

No Misleading Rate Quotes

Change Merchant Solutions actively promotes interchange-plus pricing, which is the most transparent pricing model available, but it does not disclose its exact markup in its official materials. In general, we cannot find any evidence that Change engages in unethical sales tactics. We have therefore assigned the company an “A” rating in this section.

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Sales & Marketing Example

Our Opinion Of Change Merchant Solutions

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A Solid Payment Processor

Change Merchant Solutions rates as a reliable merchant services provider according to our rating criteria. The company currently has a clean complaint record across all consumer protection forums, but there are very few details available about its contract terms or sales practices at this time. Even when dealing with highly rated providers, merchants are encouraged to read their contracts carefully to ensure that they understand all pricing and lease terms; we urge merchants to compare the company’s terms to those of top-rated processors.

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Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

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