Commerce Bank Merchant Services Review

Commerce Bank Merchant Services Overview

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A First Data Reseller

Commerce Bank Merchant Services ( is a national bank and merchant account provider located in St. Louis, Missouri. Despite the fact that it is a bank and could therefore operate as a direct processor, the company resells the merchant services of First Data. Founded in 1865, Commerce Bank is able to process payments for business of most sizes and types.

Commerce Bank Merchant Services Location and Management

Jeffery Burik is the director of commercial card and merchant services at Commerce Bank, which is headquartered at 8000 Forsyth Blvd #1400, Saint Louis, Missouri 63105-1707.

Commerce Bank Merchant Services Review Table of Contents

  • Costs & Contract: Commerce Bank Merchant Services appears to offer variable contract terms through First Data that may or may not include an early termination fee.
  • Complaints & Service: Commerce Bank Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: Commerce Bank Merchant Services has an “A+” and has received 30 complaints and 5 reviews in the past three years. The company has been accredited by the Better Business Bureau since 1961.
  • Sales & Marketing: Commerce Bank Merchant Services does not appear to hire independent sales representatives and has not received many complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Commerce Bank Merchant Services

Commerce Bank Merchant Services Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • Check acceptance
  • Gift and loyalty programs
  • Mobile processing
  • POS equipment
  • Virtual terminal

Types of Businesses Served

  • Retail
  • MOTO
  • Mobile
  • E-commerce
  • Petroleum
  • Healthcare

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Commerce Bank Merchant Services Rates, Fees, and Costs

Key Points

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Early Termination Fee $495
PCI Compliance Fee $19.95/mo
Equipment Lease Terms 48-month (locked)

Variable Contract Terms

Commerce Bank Merchant Services is powered by First Data, which means that its standard contract terms are likely to resemble those of First Data. First Data is a very large payment processor with a wide range of potential contract terms that usually depend on a merchant’s size, business type, and time in business.

Though pricing and fees of a merchant account will vary by reseller, First Data’s typical rates and fees are are included in this review for reference. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed in rate of 3.29% plus $0.19. First Data allows resellers to choose between selling month-to-month contracts or service agreements ranging from one to five years.

Most First Data agreements involve a minimum service length of two to four years, a early termination fee of up $495, and a PCI Compliance fee of $19.95 per month. Merchants also have reported costly, non-cancellable equipment leases lasting for up to 48 months through First Data Global Leasing.

Merchants are encouraged to read all contract terms carefully and negotiate terms wherever possible (see: Fee Sweep).

No Red Flags

There are currently no Commerce Bank Merchant Services complaints online that mention the company’s contract terms, so we will assume for the time being that most of the company’s clients are satisfied with their service. If you have any specific knowledge of the standard Commerce Bank contract, please share that information in the comment section of this review.

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Response from Commerce Bank Merchant Services

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Commerce Bank Merchant Services Complaints & Customer Reviews

Key Points

Total Online Complaints 100+
Live Customer Support Yes
Most Common Complaint N/A

No Merchant Complaints

We are currently able to locate over 100 Commerce Bank complaints, but none of these complaints accuse the company’s merchant services branch of being a ripoff or a scam. All of the available Commerce Bank complaints appear to be related to the company’s personal banking services and do not mention any problems with First Data as a merchant services provider. They therefore will not impact the company’s score in this section.

Commerce Bank Merchant Services

We have not found any outstanding class-action lawsuits or FTC complaints filed against Commerce Bank Merchant Services. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Commerce Bank Merchant Services Customer Support Options

The Commerce Bank website only provides a contact form for merchant support, but it does state that merchants will receive support directly from Commerce Bank’s in-house team rather than First Data. Overall, Commerce Bank’s merchant clients appear to be satisfied with the service they receive from both Commerce Bank. However, the available communication channels are lacking when compared to top-rated providers for great customer service.

Do you have a complaint or testimonial about Commerce Bank Merchant Services? Make your voice heard before you go!

Response from Commerce Bank Merchant Services

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Commerce Bank Merchant Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 16
Billing & Collection Complaints 12
Advertising & Sales Complaints 2
Guarantee & Warranty Complaints 0
Delivery Complaints 0

30 Complaints

Commerce Bank has been accredited with the Better Business Bureau since 1961. As of this review, the company holds an “A+” rating with the BBB and has had 30 complaints filed against it in the last 36 months. 12 of the complaints involved billing or collections issues, 16 stemmed from problems with products or services, and 2 involved an advertising or sales issue. Of the 30 total complaints, Commerce Bank successfully resolved 7. The remaining 23 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

In addition to the 30 complaints filed with the BBB, Commerce Bank has also received 5 reviews, all of which are negative in tone. However, each of these reviews is in regard to its banking services and does not reflect the quality of its merchant accounts.

An “A” Performance

Given the size of the company and the fact that few of these complaints appear to be related to the company’s merchant services division, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Response from Commerce Bank Merchant Services

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Truth In Marketing & Advertising

Key Points

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

Inside Sales Team

Commerce Bank appears to market itself primarily to its existing client base through traditional advertising. The company does not appear to employ independent sales agents, and we are currently unable to locate any Commerce Bank Merchant Services reviews that specifically mention unethical conduct by the company’s sales team.

No Deceptive Rates

In addition, the company does not appear to engage in any deceptive advertising strategies in its official materials. We will therefore assign the company an “A” rating for the time being. If you suspect that Commerce Bank is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate undisclosed charges.

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Response from Commerce Bank Merchant Services

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Commerce Bank Logo

Our Opinion of Commerce Bank Merchant Services

A Solid Option for Most Merchants

Commerce Bank Merchant Services rates as a reliable credit card processor according to our standards. The company processes through First Data and does not appear to suffer from the high complaint rates that can sometimes accompany First Data contracts. Overall, merchants who sign up for credit card processing through Commerce Bank can expect a wide range of potential rates and fees that depend on their business type, size, and time in business. They can secure the best possible deal by comparing Commerce’s pricing to the top-rated overall merchant services providers.

We rely on your feedback about Commerce Bank Merchant Services to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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