Commerce Bank Merchant Services Review

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Last Updated: February 4, 2014
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Commerce Bank Merchant Services Overview

Commerce Bank Logo

Commerce Bank Logo

Commerce Bank Merchant Services ( is a national bank and merchant account provider located in St. Louis, Missouri. The company resells the merchant services of First Data. Founded in 1865, the company offers debit and credit card processing, check acceptance services, private label gift cards, and web, phone, e-commerce and mobile payment solutions through ROAMpay. Commerce Bank also offers custom solutions for companies in the petroleum and healthcare industries. The company is headquartered at 8000 Forsyth Blvd #1400, Saint Louis, Missouri 63105-1707.

Commerce Bank Sales & Marketing Tactics | A+

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. In addition, the company does not appear to engage in any deceptive advertising strategies in its official materials.

Commerce Bank Costs & Contract Terms | A

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. Most First Data agreements involve a minimum service length of two to four years, a variable early termination fee, and variable PCI Compliance fees. Merchants are encouraged to read all contract terms carefully and negotiate terms wherever possible (see: Fee Sweep). 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 leave that information in the comment section of this review.

Commerce Bank Complaints & Service | A

We are currently able to locate over 125 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. The Commerce Bank website does not appear to list any contact information for merchant support, indicating that it likely outsources this service to First Data. This could result in some complaints intended for Commerce Bank being funneled to the online profiles of First Data, but we have not found any evidence that this is occurring. Overall, Commerce Bank’s merchant clients appear to be satisfied with the service they receive from both Commerce Bank and First Data.

Commerce Bank BBB Report | A (CPO Adjusted)

Commerce Bank is an accredited business with the Better Business Bureau (BBB). As of this review, the company holds an “A+” rating with the BBB and has had 39 complaints filed against it in the last 36 months. Eighteen of the complaints involved billing or collections issues, 18 stemmed from problems with products or services, and three involved advertising or sales issues. Of the total complaints, Commerce Bank successfully resolved 20. The remaining 19 complaints, however, were not resolved to the customer’s satisfaction. Given the size of the company and the fact that few (if any) of these complaints appear to be related to the company’s merchant services division, we have slightly adjusted the BBB’s rating to an “A” for the purposes of this review.

Bottom Line

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 service through Commerce Bank can expect a wide range of potential rates and fees that depend on their business type, size, and time in business.

Leave your review of Commerce Bank in the comment section of this review:

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1 comment

  1. D

    I have had it with Commerce Bank, my husband has had his account 10 years with very few problems until the last year. The account is in his name only, yet I have been signing checks for years.
    In the past years Commerce has done the following;
    Returned a check written to our daughter to deposit it into her bank account. When the check was sent to Commerce for payment they returned it due to my husband signature. Therefore, we were changed $35.00 by Commerce, our daughter bounced a check and her bank will no longer accept our checks.

    Commerce returned another check b/c a the signature (his again), this time it was our electric company, again we were changed $35.00 by Commerce and $35.00 by our electric company. The account had enough money to cover the check, Commerce didn’t like my husbands’ signature….again.

    My husband wrote and signed a check to our son-n-law, he took to a Commerce branch to cash, after waiting in the drive through he was told they could not cash it b/c his fingerprint is required on the check and it could only be done in the lobby. Why Commerce couldn’t send the stamp pad out for him to use…I don’t know.

    Commerce returned a check b/c the account would have been short $1.55, again charging $35.00. If the account history would have been looked at, they would have known the direct deposit was sitting there waiting to be posted, my husbands paycheck is direct deposited every single week for over a year, yet they choose to return the check to get the $35.00.

    Over all rating; big zero—poor

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