Commerce Bank Merchant Services Review

Category Breakdown
Sales & Marketing rated B
Costs & Contract rated A
Complaints & Service rated A
BBB Rating rated A

Overall Rating


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.

Commerce Bank Products and Services Industries Served
  • Debit and credit card processing
  • Check acceptance
  • Gift and loyalty programs
  • Mobile processing
  • POS equipment
  • Virtual terminal
  • Retail
  • MOTO
  • Mobile
  • E-commerce
  • Petroleum
  • Healthcare

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A+

Key Points – Sales & Marketing
Uses independent resellers? No
Promotes deceptive rate quotes? 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.

Related: Find The Best Providers By Processor Type

Costs & Contract | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: 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.

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Complaints & Service | A

Key Points – Complaints & Service
Total 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, 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.

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BBB Report | A*

Key Points – BBB Report
Product/service: 15
Billing/collection: 8
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

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 24 complaints filed against it in the last 36 months. Eight of the complaints involved billing or collections issues, 15 stemmed from problems with products or services, and one involved an advertising or sales issue. Of the total complaints, Commerce Bank successfully resolved 13. The remaining 11 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.

* Denotes CPO-adjusted BBB score

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Bottom Line

Commerce Bank Merchant Services Review

Rated 4.6 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-16

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.

This review was originally published on 3/5/13 and was last updated on 4/16/15.

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

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

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