Crown Merchants Review


Founded in 2005, Crown Merchants ( is a merchant account provider headquartered in Hickory, North Carolina. The company is an ISO/MSP of Elavon Payments and is partnered with US Bank in Minneapolis, Minnesota, as its acquiring bank. Julie Harbin is the president of Crown Merchants, which is located at 2960 N. Oxford St. Claremont, North Carolina 28610.

Key Points

  • Sales & Marketing: Crown Merchants does not engage in misleading sales tactics and has not received complaints about its sales team.
  • Costs & Contract: Crown Merchants offers interchange-plus pricing with no early termination fees through Elavon.
  • Complaints & Service: Crown Merchants has not received any public complaints.
  • BBB Rating: Crown Merchants has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With Crown Merchants

Crown Merchants Products and Services

  • Debit and credit card processing
  • POS equipment
  • Check acceptance
  • Mobile processing
  • Gift and loyalty programs
  • Merchant cash advance


  • Retail
  • E-commerce
  • Mobile

Response from Crown Merchants

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Sales & Marketing

Key Points - Sales & Marketing

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

Crown Merchants appears to market itself through its website and through traditional advertising. The company does employ independent sales agents, but it is not showing any recent public complaints related to nondisclosure or misrepresentation by its sales staff. At the time of an earlier review, we found one complaint that described apathetic and deceptive conduct by one of the company’s sales agents. However, this complaint appears to be an isolated incident from over three years ago, and the company does not engage in deceptive advertising strategies in its official materials. We therefore award it an “A” in this section.

Response from Crown Merchants

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Crown Merchants Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee None
PCI Compliance Fee $7.50 Per Month
Equipment Lease Terms Variable

Crown Merchants is a reseller of Elavon’s merchant services. The company’s standard contract (available below) offers interchange-plus pricing and does not include an early termination fee. Crown Merchants charges a monthly service fee of $10 and a PCI Compliance fee of $7.50 per month, but it does not enforce any monthly minimum fees. There is also an account maintenance fee of $20 that is charged per incident (e.g. DBA change or DDA change). The total absence of complaints regarding these or any other fees associated with a Crown Merchants contract indicates that most of the company’s clients are satisfied with the service they are receiving. Due to this low complaint volume and the fact that merchants can cancel without penalty, we are awarding the company an “A” at this time. See the standard Crown Merchants contract.

Response from Crown Merchants

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Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

As noted above, we are unable to locate any negative Crown Merchants reviews, which indicates that the company is not a scam. In one older complaint (which is no longer publicly visible), a merchant claimed to have asked for more time to decide whether to sign up for service, only to have had their application processed anyway by a sales agent. This complaint is the only negative review of Crown Merchants that we have ever found online, and we are therefore inclined to regard it as an isolated incident. It is possible that some complaints intended for Crown Merchants are instead redirected to its processor, Elavon, but in the absence of any evidence that this is occurring, we are awarding the company an “A” in this category for now. The Crown Merchants website lists phone and email contact information for merchants.

Response from Crown Merchants

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Key Points - BBB

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

Crown Merchants is not an accredited business with the Better Business Bureau. As of this review, the company has an “A+” rating with the BBB and has had zero complaints filed against it in the last 36 months. Crown Merchants has also had zero informal reviews posted to its BBB profile. Given the company’s clean complaint record, we agree with the BBB’s rating in this instance.

Response from Crown Merchants

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Crown Merchants Logo

Crown Merchants Bottom Line

Crown Merchants rates as a reliable credit card processor according to our rating system. The company is showing zero complaints online and offers competitive, transparent contract terms despite its association with Elavon. Even when dealing with highly rated merchant account providers, merchants are advised to carefully examine their contracts.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

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