Community Merchant Solutions Review

Community Merchant Solutions Overview

Are you a decision maker with Community Merchant Solutions? Claim this review.

Founded in 2007

Community Merchant Solutions (CMS – communitymerchantsolutions.com) is a small merchant account provider that has been active since 2007. In addition to supplying traditional merchant services, CMS at one point marketed a now-discontinued point of sale system called GoPago.

Community Merchant Solutions Location and Ownership

The company is headquartered in Mission Viejo, California, at 27201 Puerta Real #120, and is sponsored by Citizens Bank, N.A., Providence, Rhode Island, as its acquiring bank. According to this 2014 press release, Wain Swapp is the CEO of Community Merchant Solutions.

Community Merchant Solutions Review Table of Contents

  • Costs & Contract: Community Merchant Solutions appears to offer variable contract terms depending on each merchant’s business type.
  • Complaints & Service: Community Merchant Solutions has received fewer than 10 public complaints.
  • BBB Rating: Community Merchant Solutions does not have a rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Sales & Marketing: Community Merchant Solutions appears to hire independent sales agents and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Community Merchant Solutions

Community Merchant Solutions Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Community Merchant Solutions merchant account. Not with Community Merchant Solutions? That's ok, we can find excessive fees in any statement. In fact, We've found $725,402 in total hidden fees in 2019 already! Submit a recent statement to try it out for free.

  • Accepted file types: pdf, doc, docx, png, jpg, xls, xlxs.

Products & Services Offered

  • Debit and credit card processing
  • Electronic check conversion
  • ACH processing
  • Merchant cash advance
  • Gift and loyalty programs
  • POS equipment

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Community Merchant Solutions Rates, Fees, and Costs

Key Points

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

Community Merchant Solutions Contract Terms

There is not a lot of publicly available information regarding CMS’s contract terms. Given the company’s size, it is likely that CMS relies on a larger company for its processing services. One complaint filed elsewhere indicates that CMS often signs merchants up for three-year leases for POS terminals, which are also likely to be provided by the same large processor. The complaint mentions an early termination fee associated with this lease. As this is the only publicly listed complaint that discloses specific CMS contract terms, we will not penalize the company too harshly in this category. If you have any knowledge of CMS’s standard contract terms, please share that information in the comment section below this review.

Industry-Average Terms

Overall, these terms are average to slightly below-average for the industry, but the specific rates and fees for each agreement may vary depending on the agent setting up the account. Merchants should compare CMS’s rates to those of low-cost merchant account providers before signing up for service with the company. If you have any specific knowledge of the standard Community Merchant Solutions contract, please share that information in the comment section below this review.

Are you happy with your Community Merchant Solutions fees? Tell us about them before your go!

Response from Community Merchant Solutions

Are you a representative of Community Merchant Solutions? Add your voice to this section for free!

Community Merchant Solutions Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint Unauthorized Charges

Low Complaint Volume

We are currently able to locate fewer than 10 Community Merchant Solutions complaints on other consumer protection websites, but some of these complaints accuse the company of being a scam or a ripoff. Most of these complaints are more than two years old, and a good portion of them have disappeared since our last update. Currently, the company’s Yelp page contains the most recent negative reviews of CMS. Consistent themes among complainants include unauthorized charges, undisclosed fees, unreachable customer service, and withheld funds.

Community Merchant Solutions Support Options

Due to the disappearance of some merchant feedback, it is hard to tell whether Community Merchant Solutions has corrected the issues it previously had. In general, however, the consistency of the complaints inclines us to lower the company’s score to a “B.” CMS offers a dedicated phone support number on its website and an email template, but these channels are not sufficient to qualify it as a reliable payment processor for customer service.

Do you have a complaint or testimonial about Community Merchant Solutions? Make your voice heard before you go!

Response from Community Merchant Solutions

Are you a representative of Community Merchant Solutions? Add your voice to this section for free!

Community Merchant Solutions BBB Rating Summary

Key Points - BBB

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

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

No BBB Complaints

Community Merchant Solutions currently does not have a rating with the Better Business Bureau and is not BBB-accredited at this time. The company has received zero complaints to its profile in the past three years. It has, however, received one negative informal review, although it should be noted that these reviews are not typically subject to verification by the BBB.

An “A” Performance

In light of the company’s clean complaint record, we are awarding the company an “A” in this section. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

How has Community Merchant Solutions treated you? Tell us about it here!

Response from Community Merchant Solutions

Are you a representative of Community Merchant Solutions? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

Telemarketing and Outside Agents

Community Merchant Solutions appears to market itself primarily through its website, through telemarketing, and through independent sales agents. The company appears to most heavily market its gift & loyalty cards program, the Community Connect Card, which consists of a plastic punch-out mailer that merchants can send directly to customers. We were previously able to locate roughly a dozen negative Community Merchant Solutions reviews (many of them filed here) that accuse the company’s sales staff of persistent telephone calls, nondisclosure of fees, and unauthorized charges for services that were never agreed to. However, these complaints have since disappeared. Most of the complaints were filed before 2014, but their tonal consistency was enough to lower CMS’s grade to a “B” in this section.

No Deceptive Quotes

To its credit, the company does not list any deceptive rate quotes on its website. If you suspect that Community Merchant Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

Did you get what you expected from Community Merchant Solutions? Tell us why, or why not.

Response from Community Merchant Solutions

Are you a representative of Community Merchant Solutions? Add your voice to this section for free!

Community Merchant Solutions Marketing Example

Community Merchant Solutions Logo

Our Opinion of Community Merchant Solutions

An Above-Average Option

Community Merchant Solutions rates as a decent merchant services provider according to our criteria. However, the disappearance of a number of older complaints has prevented us from understanding the company’s current level of service. We will continue to assess the company as we receive more merchant feedback. Merchants are encouraged to read their contracts carefully, to ask questions about any items they find confusing, and to compare Community Merchant Solutions’s rates to the top-rated credit card processors to get the best deal overall.

We rely on your feedback about Community Merchant Solutions 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.

My Qualifications

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 decided to build this website to help you research which 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. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

Need help understanding your rates and fees? Submit a recent statement and I'll take a look at it for free.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

No Reviews Yet Leave Your Review for Community Merchant Solutions Below

Leave a Review for Community Merchant Solutions

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.