Durango Merchant Services Review


Founded in 1999, Durango Merchant Services, LLC (durangomerchantservices.com) is a merchant account provider for both U.S. and international merchants, including mail/telephone order, internet, mobile, and retail accounts. Durango specializes in placing high risk business types, including businesses that require offshore merchant accounts. The company’s corporate address can be found at 10 Town Plaza, Ste 162, Durango, Colorado 81301. Durango Merchant Services, LLC. is a registered ISO of BMO Harris Bank NA, and Shane Kairalla is the president of Durango Merchant Services.

Key Points

  • Sales & Marketing: Durango Merchant Services hires independent sales agents but has not received any complaints about its sales practices.
  • Costs & Contract: Durango Merchant Services offers variable contract terms depending on each merchant’s business type and processing history.
  • Complaints & Service: Durango Merchant Services has received fewer than 10 complaints in the past three years.
  • BBB Rating: Durango Merchant Services has an “A+” rating with the Better Business Bureau and has received one complaint in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Durango Merchant Services

Durango Merchant Services Products and Services

  • Debit and credit card processing
  • E-commerce solutions
  • Mobile payment acceptance
  • Electronic check processing
  • POS equipment
  • QuickBooks integration


  • Retail
  • E-commerce
  • Mobile
  • MOTO
  • High-risk
  • International

Sales & Marketing

Key Points - Sales & Marketing

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

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. Additionally, the company does not appear to engage in any deceptive advertising in its official materials.


Costs & Contract

Key Points - Costs & Contract

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

As of this update, there is not a great deal of information available about the standard Durango Merchant Services contract or service fees. The company is partnered with multiple acquiring banks, which allows it to offer flexible contract terms depending on a merchant’s size, type, and processing history. In addition, the company’s use of independent partners means that its rates and fees are likely to vary depending on the company setting up the account. Durango will also customize its pricing for high risk merchants. In general, we are unable to locate any complaints about Durango Merchant Services that mention the company’s contract terms. We take this as a sign that most Durango clients are satisfied with the pricing and fees they receive.


Complaints & Service

Key Points - Complaints & Service

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

At this time, we are unable to locate any Durango Merchant Services complaints that accuse the company of being a scam or a ripoff. The few complaints we have tracked down cite Durango’s inability to get a high risk merchant approved for an account, or a high risk merchant having their funds withheld by the bank that Durango placed them with. These types of complaints are common for high risk merchant services providers, and there’s no evidence that Durango has a systemic problem. We were also able to locate numerous testimonials and positive reviews of Durango Merchant Services from merchants who were directly signed up with Durango, including one glowing report found in the comment section of this review. Durango appears to employ an in-house support team and offers a dedicated customer service number and email address on its website.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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 one complaint in the past three years, and this complaint was related to an advertising or sales issue. The complaint either was resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. For a company that is more than ten years old and deals with high risk merchant types, this is a remarkably clean complaint record. We therefore agree with the BBB‘s score in this instance.

Durango Merchant Services Logo

Durango Merchant Services Bottom Line

Durango Merchant Services rates as an exemplary merchant services provider according to all available indicators. The company appears to offer a wide array of services and agreeable contract terms, and Durango enjoys an almost spotless complaint record. Even when dealing with a highly rated credit card processor, merchants are advised to carefully examine the terms of any contract they are given.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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4 Reviews Leave Your Review Below

  1. After an atrocious experience with a competing processing company (Payline Data), Durango Merchant Services has been a stellar experience for me. The sales representative was extremely transparent and explained every fee that would be charged and why. The signup process just took a couple of days, after which I was rolling, processing credit card transactions. So far, everything has been smooth sailing, without unexpected surprises or excessive fees. Thanks, Durango!

    1. Hi Chris,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  2. While I haven’t used them yet, I would just like to say that they have excellent sales support. My representative was extremely informative and kept working with my small business as if I were a major client. They were very clear about my options and even went out of their way to give me advice and tips about the industry (which I was unfamiliar with).

    When I realized they may not be a perfect fit for my business, my representative even offered to refer me to other companies that may better suit me.

    Despite them not being a perfect fit for my current shop, I will be trying very hard to give them business in the future due to how pleased I was with their sales representative.

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