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.

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

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 our last 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.

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.


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.



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. Since it is our philosophy that “A+” ratings should be reserved for companies with zero complaints, we agree with the BBB’s rating in this instance.

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.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

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