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Before You Sign with Durango Merchant Services: What to Know About Rates & Terms

Name: Durango Merchant Services
Item: Durango Merchant Services
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 23, 2025

Maintained Since: June 21, 2012

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Durango Merchant Services

Rating

5/5

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Pros

High-risk specialization

International processing capabilities

Transparent pricing structure

Comprehensive fraud protection

Flexible contract terms

Cons

Limited pricing disclosure

Potential higher fees

Possible fund holds

No mobile app

Limited hardware options

Overview

This review provides a detailed look at Durango Merchant Services, a credit card processing company that specializes in high risk businesses. We cover its services, pricing, contract terms, and customer feedback to show how the company operates and how well it serves different types of merchants. The goal is to give you a clear understanding of what Durango Merchant Services offers, along with insights into its performance and reliability, so you can decide if it is the right fit for your business.

About Durango Merchant Services

Screen Capture of Durango Merchant Services Homepage — Durango Merchant Services Homepage

Founded in 1999, Durango Merchant Services is a merchant account provider for both U.S. and international merchants, including mail order/telephone order, internet, mobile, and retail accounts. Durango specializes in placing high-risk business types, including businesses that require offshore merchant accounts.

Products & Merchant Services

Payment Processing

Durango Merchant Services handles major debit and credit card transactions for various business types, focusing on high-risk merchants. Their offerings include POS solutions, wireless and mobile payments, e-commerce solutions with payment gateways and shopping carts, e-check payments, recurring billing, PCI compliance, QuickBooks integration, chargeback and fraud protection, B2B Level II & III processing, and cryptocurrency payments.

Payment Gateway Integration

Durango provides an integrated payment gateway for processing credit card payments both online and in-store.

Offshore Merchant Accounts

Durango offers offshore merchant account options for businesses operating internationally or seeking diversified payment processing.

Fraud Prevention Tools

To address the higher risk profile of their clients, Durango provides robust fraud prevention tools. These measures are designed to identify and mitigate fraudulent transactions.

Ecommerce Solutions

Durango supports online retailers with a range of e-commerce solutions, including shopping carts and secure payment options, aimed at making online transactions efficient and secure.

ACH Processing

Durango offers ACH processing services, enabling businesses to directly debit customer bank accounts for transactions like subscription payments.

Chargeback Management

Recognizing the challenges high-risk businesses face with chargebacks, Durango provides comprehensive chargeback management services.

Customer Reviews & Sentiment

Few Complaints Found

Currently, we couldn’t find any Durango Merchant Services reviews labeling the company as a scam or ripoff. The limited complaints we discovered mainly revolve around Durango’s challenges in securing approvals for high-risk clients or instances where high-risk clients experienced fund withholding by the bank Durango partnered with. It’s worth noting that fund withholding is a common practice among high-risk merchant services providers, and there’s no indication of systemic issues with Durango in this regard. If you’ve had experiences with Durango Merchant Services, please share your review in the comments below.

Positive Client Testimonials

We’ve also come across numerous testimonials and positive reviews directly from clients who were signed up with Durango, including one particularly positive report in the comment section below.

Lawsuit and Complaint Status

No class-action lawsuits or FTC complaints are currently filed against Durango Merchant Services. Dissatisfied clients seeking non-litigious resolution options can consider reporting concerns to relevant supervisory organizations.

Customer Support Availability

Durango appears to have an in-house support team and provides dedicated customer service contact details on its website.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Trustpilot	2.6
Google Maps	4.7
Average Rating	4.1

PaymentPop Rating for Durango Merchant Services

Negative Feedback

There are no negative reviews published about Durango Merchant Services on the PaymentPop website.

Positive Feedback

Choosing Durango Merchant Services was one of our best decisions. As a small e-commerce shop, we needed something simple and secure, not a bunch of complicated extras. They truly listened, got us set up fast, and their fraud protection gives us real peace of mind. Plus, their support is genuinely helpful.

Durango Merchant Services BBB Rating

Durango Merchant Services has been an accredited business of the Better Business Bureau since 2006 and currently maintains an “A+” grade at this time of review. The company has received 0 complaints in the past 36 months.

What Merchants Say

Durango has also received 1 informal review on its BBB profile, which is positive in tone. The most recent review filed by a client cites a pleasant sales experience and quality customer service from Durango:

I have partnered with Durango Merchant Services for multiple years as a corporate sponsor and would highly recommend this company. They are invested in doing good in the Durango community and Shane and Amber are both easy to work with and professional.

Feedback like this is a primary reason why Durango is consistently rated as a top merchant account provider.

An “A” Performance Overall

For a company that is more than ten years old and deals with high-risk business types, this is a remarkably clean complaint record. We therefore agree with the BBB’s score in this instance.

Trustpilot Rating for Durango Merchant Services

Durango Merchant Services has a 2.6 out of 5 star rating based on 35 user reviews on Trustpilot.

Positive Feedback

Durango assigns an agent to you which allows the establishment of an ongoing relationship for your business needs. It is enormously helpful that the individual you are communicating with for support is familiar your business history and its background.

Negative Feedback

Customer support does not even talk till i started talking and asked what i want, at the end of the day they say they do not offer multi currency payment processor, however, that is not what they say on their official website. might be a scam company

Google Maps Rating for Durango Merchant Services

Durango Merchant Services has a 4.7 out of 5 star rating based on 25 user reviews on Google Maps.

Positive Feedback

We could not be happier with the service we get from Durango. We’d give these guys 10 stars if we could. They have helped walk us through every aspect of setting up and maintaining merchant services, and are quick to answer all our questions — even when what we ask is somewhat outside their purview. The fees they charge are a pittance — they are the only company we deal with whom we feel we underpay.

Processing Rates & Fees

Custom Pricing

The specific details of Durango Merchant Services’ standard contract and service fees are not broadly publicized. The company collaborates with various acquiring banks, providing it the ability to tailor contract terms based on a business’s size, type, and processing record. Additionally, Durango’s use of independent partners suggests that rates and fees might fluctuate depending on the agent managing the account. Specialized pricing is offered for high-risk clients, including those on the TMF/MATCH list and businesses with poor credit.

Virtual Terminal and Payment Gateway Pricing

Durango Merchant Services also highlights its virtual terminal and payment gateway, known as the Durango Gateway, on its website. Specific pricing details for these services are not publicly disclosed. Typically, additional rates and fees such as gateway fees, technical support charges, batch fees, and other transaction rates are associated with these e-commerce services.

No Contract Complaints

Currently, no complaints have been found concerning the contract terms of Durango Merchant Services, suggesting that most clients are content with the pricing and fees they are charged.

Durango Merchant Services e-commerce virtual terminal — Durango Merchant Services provides e-commerce solutions, including virtual terminal and payment gateway services.

Employee Reviews & Sales Practices

Stellar Sales Reputation

Durango appears to partner with independent resellers in multiple countries to market its services. Generally speaking, this practice can result in an elevated complaint rate for a company, as it is difficult to monitor the marketing tactics of independent sales teams. In the case of Durango, however, this does not appear to be a problem. We were unable to locate any negative Durango Merchant Services reviews that mention the company’s sales tactics. In fact, we found numerous positive descriptions of encounters with the Durango sales team.

No Deceptive Marketing

Durango does not appear to engage in any deceptive advertising in its official materials. The company’s straightforward and friendly sales approach is a big reason why it is considered a top-rated merchant account provider for high-risk businesses. We assign it an “A” in this category.

Durango Merchant Services Competitors

Compare Durango Merchant Services to competitors that earned top marks.

Pricing

Bottom Line

Durango Merchant Services is rated as an exemplary credit card processing provider based on all available indicators. The company offers a comprehensive suite of services paired with favorable contract terms, all while maintaining an almost impeccable complaint record. This solid reputation reinforces Durango’s commitment to customer satisfaction and makes it a strong contender for businesses seeking a reliable payment processing partner.

However, regardless of Durango’s high rating, it’s essential for prospective clients to scrutinize the terms of any contract they receive carefully. Doing so ensures that the pricing, service offerings, and policies align with their business needs and financial goals. This level of diligence will empower clients to make informed decisions and maximize the benefits of their merchant account.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Durango Merchant Services

Contact & Customer Support
President	Shane Kairalla
Headquarters	10 Town Plaza, Ste 162, Durango, Colorado 81301
Toll-Free General Customer Service	(866) 415-2636
Local Office	(970) 797-494
Website	durangomerchantservices.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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