Commerce Bank Merchant Services Review


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, Commerce Bank is able to process payments for business of most sizes and types. Jeff 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.

Key Points

  • Sales & Marketing: Commerce Bank Merchant Services does not appear to hire independent sales representatives and has not received many complaints about its sales practices.
  • 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+” rating with the Better Business Bureau and has received 27 complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Commerce Bank Merchant Services

Commerce Bank Merchant Services Products and Services

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


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

Response from Commerce Bank Merchant Services

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Sales & Marketing

Key Points - Sales & Marketing

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

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. We will therefore assign the company an “A” rating for the time being.

Response from Commerce Bank Merchant Services

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

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.

Response from Commerce Bank Merchant Services

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Complaints & Service

Key Points - Complaints & Service

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

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. The Commerce Bank website does not appear to list any contact information for merchant support, but it does state that merchants will receive support directly from Commerce Bank’s in-house team. Overall, Commerce Bank’s merchant clients appear to be satisfied with the service they receive from both Commerce Bank and First Data.

Response from Commerce Bank Merchant Services

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Key Points - BBB

Product & Service Complaints 12
Billing & Collection Complaints 13
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 1

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 27 complaints filed against it in the last 36 months. Thirteen of the complaints involved billing or collections issues, 12 stemmed from problems with products or services, one involved an advertising or sales issue, and one had to do with a delivery problem. Of the total complaints, Commerce Bank successfully resolved three. The remaining 24 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. 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 agree with the BBB’s rating at this time.

Response from Commerce Bank Merchant Services

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Commerce Bank Logo

Commerce Bank Merchant Services 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 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.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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