Elite Merchant Solutions Review

Elite Merchant Solutions Overview

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Offering Merchant Services Since 2002

Elite Merchant Solutions, founded in 2002, provides merchant accounts, bankcard authorization, and settlement services to merchants nationwide. The company also goes by the name Elite Data Processing and is a reseller of TSYS and First Data. It advertises Clover and Foundry as POS solutions. Elite Merchant Solutions should not be confused with Elite Merchant Services or Elite Payment Processing, as both are 2 separate companies.

Location and Ownership

Elite Merchant Solutions can be found at 16600 Sherman Way #205, Van Nuys, California 91406. The company is a registered ISO/MSP of Woodforest National Bank, N.A., Houston, Texas. Justin Milmeister is the president and CEO of Elite Merchant Solutions.

Elite Merchant Solutions Review Table of Contents

  • Costs & Contract: Elite Merchant Solutions appears to offer a three-year contract with an early termination fee ranging from $350 to $500. The company utilizes eProcessing Network as its gateway provider.
  • Complaints & Service: Elite Merchant Solutions has received approximately 10 public complaints.
  • BBB Rating: Elite Merchant Solutions has an “A+” and has received 4 complaints and 32 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2009.
  • Sales & Marketing: Elite Merchant Solutions appears to hire independent sales representatives and has received a few merchant complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Elite Merchant Solutions
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Products & Services Offered

  • Debit and credit card processing
  • Check guarantee
  • Gift and loyalty programs
  • POS equipment
  • ATM placement
  • Merchant cash advance

Types of Businesses Served

  • Retail
  • E-commerce

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Elite Merchant Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee $0.05 Per Transaction
Monthly Fee $8 - $10
Early Termination Fee $350 - $500
PCI Compliance Fee $79 Per Year
Equipment Lease Terms 48 Month (locked)

Three-Year Agreement

There is very little information available regarding the standard Elite Merchant Solutions contract. We were able to locate one complaint that made a mention of a three-year agreement with a $500 early termination fee, which a company representative confirmed in her response. We have also seen reports of a three-year agreement with a $350 termination fee.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Elite Merchant Solutions also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Thought First Data and TSYS offer their own payment gateways, Elite Merchant Solutions advertises eProcessing Network as its gateway provider. eProcessing Network charges a gateway fee of $0.05 per transaction and a monthly fee of $8 to $10.

Variable Contract Terms

Because Elite Merchant Solutions is an ISO of TSYS and First Data, it is reasonable to assume that the standard Elite contract closely resembles those companies’ standard contracts. While rates and fees vary between the 2, each of those providers includes long term equipment leases in their merchant agreements which cannot be canceled. However, Elite’s apparent use of outside sales agents means that contract terms may be subject to variation depending on the agent setting up the account. One official complaint response from a company representative states the following with regard to agent alterations: “If the merchant has a month to month agreement signed by management certainly Elite will honor that document. However, the document must be signed by management to be valid.” If you have any knowledge of the standard Elite Merchant Solutions contract (including any PCI compliance fees or monthly minimum fees), please leave that information in the comment section of this review.

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Response from Elite Merchant Solutions

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Elite Merchant Solutions Complaints & Customer Reviews

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Various Complaints

We were only able to locate roughly ten negative Elite Merchant Solutions reviews, with some of these complaints accusing the company of being a scam or a ripoffOne complaint from 2010 recounts a disagreement on the company’s contract rule for cancellation fees. After signing the contract agreement with Elite Merchant Solutions, a merchant decided at the last minute to cancel his account and did not expect to pay a $500 cancellation fee. Other complaints mention a variety of issues, including undisclosed fees, cancellation difficulties, and chargeback resolution problems.

Elite Merchant Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Elite Merchant Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Elite Merchant Solutions Customer Support Options

It is worth noting that Elite Merchant’s relationship with TSYS and First Data may result in some of the company’s customer service and complaints being funneled to those processors. The company offers several dedicated phone support lines and an email form on its website, however it does not meet our criteria to be considered a top-rated credit card processor for customer support at this time.

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Response from Elite Merchant Solutions

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Elite Merchant Solutions BBB Rating Summary

Key Points - BBB

Product & Service Complaints 2
Billing & Collection Complaints 2
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Low Complaint Total

Elite Merchant Solutions is an accredited business of the Better Business Bureau and currently maintains an “A+” score. The company has been an accredited business since 2009. The BBB complaint summary shows 4 complaints in the last 36 months. 2 complaints were associated with billing/collection issues while 2 problems were left in regard to a problem with a product or service. 1 complaint was successfully resolved while the 3 remaining complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

In addition to those 3 complaints, the company has also received 32 informal reviews on its BBB profile. 31 of the reviews are positive while only 1 is negative. The lone negative review is positive in tone despite its rating of 1 out of 5. It should be noted that the BBB does not authentic its reviews as it does with complaints filed against businesses. The inconsistency of this review gives merchants reason to be skeptical of the BBB’s rating system.

An “A” Performance Overall

There are also 24 informal reviews posted to the company’s BBB page, all of which are positive in tone except for two. In light of the report’s age and the figures shown, we will not adjust the BBB’s rating at this time.

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Response from Elite Merchant Solutions

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Truth In Marketing & Advertising

Key Points

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

Outside Sales Reps

Elite Merchant Solutions appears to rely on referral partnerships and independent sales agents to market its services. The use of independent sales agents typically results in high complaint rates, and we have found a number of reviews that cite pushy, rude sales calls and agent attempts to upsell services.

No Deceptive Advertising

The few Elite Merchant Solutions complaints that are available mention nondisclosure of fees by representatives, with varying resolutions offered by management. For instance, we were able to locate one complaint alleging nondisclosure of a cancellation fee, but this accusation was fully retracted once the company acceded to the merchant’s demands. Complaints of this variety have been posted with less frequency in recent years. Still, if you suspect that Elite Merchant Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges. Elite Merchant Solutions does not appear to engage in any deceptive advertising strategies in its official materials.

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Response from Elite Merchant Solutions

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Elite Merchant Solutions Marketing Example

Elite Merchant Solutions Logo

Our Opinion of Elite Merchant Solutions

An Above Average Option

Elite Merchant Solutions rates as an above average merchant services provider according to our rating system. The company has a low complaint rate for its size and time in business, but the few contract details we have been able to locate aren’t very competitive. The company’s overall rating is likely to change once more information about Elite’s contract terms becomes available. For now, merchants should compare the company’s pricing to that of top overall providers to obtain the best deal.

We rely on your feedback about Elite 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.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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30 Reviews Leave Your Review for Elite Merchant Solutions Below

  1. C.J says:

    Elite Merchant Solutions has been up front with their pricing, hands on with their service, and far more affordable than the two previous options I had.

    1. Phillip says:

      Hi C.J.,

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

  2. Shawn says:

    Since switching over, I have been very pleased. Have had a couple of small issues that were resolved right away. Kevin has been my contact and gets things done! Thank you.

    1. CPO Admin says:

      Hi Shawn,

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

  3. Anne Svensson Taheri says:

    Excellent service and rates! Our business has saved a lot of money on processing fees and I highly recommend Elite Merchant Solutions!

    1. CPO Admin says:

      Hi Anne,

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

  4. Robyn King says:

    My rep Bjay has been amazing on his follow up and follow through! If he says he’s going to do it, he does! If I have a question or need help with something, he follows through with all the information I needed. If he doesn’t know the answer, he finds and gets back to me. He’s consistent and always available. I have past experience with several other huge processing companies and their rates would rise over time and their contracts were horrible – with Elite, I have GREAT low rates and NO contract. This is truly service with a smile!

  5. Oshin says:

    It was a change for my business. And I was hesitant about it and Bjay was very understanding about it. Help me out step by step. I very pleased and satisfied.

    1. CPO Admin says:

      Hi Oshin,

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

  6. We switched over to Elite Merchant Solutions about a year ago, off of a friend’s recommendation. We not only have saved money, but have gained such personal attention. Any questions we have had, we contact our rep. and he usually answers his phone or get back to us right away.

  7. Elite Merchant Solutions helped me when I really needed an honest consultation. Mr. Harold Robles from the Latin Business Division was great! I am now saving $1,000.00 each month. and can say that each time I have called Harold or his customer service team were awesome! I recommend Harold Robles to assist you for a Quote.


    My agent Harold Robles convinced me to trust a merchant service provide again. Since he has been assisting me on my merchant account I have received the best service by far and a savings of $150.00 monthly. Contact him if you’d like an honest representative.
    Mi Agente Harold Robles me convencio en tener confianza en una empresa procesadora de tarjetas de credito una vez mas,. Despues de tantas companias estafadoras ahora tengo ahorro de $150.00 al mes y buen servicio hasta en espanol. Gracias Harold

    1. CPO Admin says:

      Hi German,

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

  9. Great Service and great rates. Mr. Harold Robles assisted me with all of my questions that I had in reference to merchant services. The consultation really helped me get more familiarized with the industry and I am thankful for a an honest agent and company.

  10. Jeffry Hays says:

    Company continued to charge me for PCI compliance fees for over a year on an account that was no longer active, and would only refund 1/3 of the amount when I brought it to their attention. I will be cancelling this service as soon as my contract allows.

  11. Very happy with Elite Merchant Solutions. Kevin Jones was very knowledgeable and helpful as compared to the competition. He went above and beyond to answer all of our questions and provide a competitive quote and was instrumental in our decision to switch to Elite for our credit card processing. His patience was very much appreciated.

  12. Erika Portela says:

    So far the best merchant company that I have worked with. The associates are always eager to help. I have received great support from Harold, he makes sure everything it up to date with my machines and helps every time I have an issue with a charge back.!

    1. CPO Admin says:

      Hi Erika,

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

  13. I just want to give thanks to Harold Robles of Elite Merchant Solution, He has been very helpful in saving money on account compared to what we used to have will not mention name of other merchant. If you have any question Harold Robles knows the answer to your predicament. Once again Thank you,. Harold.

  14. Awards, Trophies and Treasures says:

    After being a business owner for only 2 years, I started to really dislike merchant accounts. We received calls from people who cared only about pushing their sales pitch and wouldn’t listen to us.

    When Kevin Jones first contacted us, I was very ready to tell him to leave us alone. However, something about the way he listened to me and treated me got my attention. I told him we weren’t ready to change when we first spoke but that maybe I would consider his services later on.

    I’ve never seen a more patient but respectfully persistent business man. He continued to contact us with deals that he could offer but never seemed pushy or belittling like other merchant account dealers I’d spoken too.

    After dragging him along for months, my husband and I finally crunched numbers and realized his offers were very fair. Saving money is always worth at least considering… Since we confirmed that we would save money switching to Elite Merchant Solutions and we had come to respect Kevin Jones, we finally started to seriously consider his services. We asked him lots of questions and made him go through every line of our policy before signing. As we’d come to expect, he was very professional and had no problem explaining every detail.

    Since switching to Elite Merchant Solutions, I’ve continued to shoot Kevin Jones questions from time to time about our account or options we’re considering. He always replies to emails within a few hours. I’m not surprised when I get a response immediately… except the time I emailed him around midnight and he replied immediately! (His poor family.)

    In all honesty, I still don’t trust merchant account dealers… with the exception of Kevin Jones. While he’s obviously a loyal employee of Elite Merchant Solutions and does his job to inform me of deals/offers his company has, I never feel cornered or pressured to do something that isn’t in my best interest. I can trust him to be honest and upfront in all our dealings. I know he’ll help us out whenever we have a technical glitch or question about our policy. My husband and I feel comfortable asking him for advice, knowing we aren’t going to deal with high pressures sales tactics.

    It’s obvious that Kevin Jones is a successful businessman because of his character and good prices… and not because he cheat his customers. Thanks Kevin Jones. Because of you, (and your competitive rates) we’re extremely happy with Elite Merchant Solutions.

    1. CPO Admin says:


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

      1. Awards, Trophies and Treasures says:

        We’re located in Santa Clarita, California.

      2. Brandon Caldwell says:

        We’re located in Santa Clarita, California.

  15. Angie says:

    I had the best Merchant rep Harold Robles, he was amazing never once did he give me a hard time when I would call him and constantly ask him what account number was amd he never failed to answer that question or any questions I had and provide proof of what the company was charging me when it came to some fees. He made me feel really comfortable about being able to call him at any time and his quick responses were amazing. Thanks for being such a professional on what you do.

    1. Hi Angie,

      To authenticate your testimonial, please reply to this comment with your business name, location, and/or website URL.

  16. Hi Phillip,

    Unfortunately, I have to disagree with your ratings. I switched from Durango to Elite Merchant Solutions a few months ago and I have never looked back.

    I own several websites but my mass exodus from Durango started when Durango failed to notify me of a chargeback. Durango notified me the night before the expiration date to reply to the bank.

    It was actually a USPS issue, they’d lost the package. But due to Durango’s inattention, I lost $600 for the chargeback and I couldn’t file a claim for the lost package with the USPS due to the time frame. So I lost over $1000 in one fell swoop. Durango shrugged their shoulders.

    A business buddy of mine had switched to Elite Merchant Solutions a few months earlier and couldn’t stop talking about them. Long story short, I contacted Kevin Jones at Merchant Solutions. He not only got my stun gun website out of the “High Risk” category, he also reduced my rates and gave me 60 days of free processing to be sure I had made the right move.

    I have since switched my mailboxes site, my patio heaters site and my vaping site over to them. But the best part is the support. Kevin answers his cell phone on weekends, evenings and holidays. Not only that, we now call him up and get his advice regarding different e-commerce industries as it applies to merchant account fees when we’re considering a website purchase.

    Sorry Phillip, ask around my friend, Elite Merchant Solutions is an A+ and I’m on a crusade to tell everyone about it. Those lost $1000 bucks hurt!

    Mario A.

  17. Jerry Moore says:

    Our company has been with Elite over 1 1/2 years and had a great experience! Kevin Jones is our representative and we could not have asked for a more professional and helpful one. Kevin helped us save a good amount monthly over fees we were paying with our former processor. We are so glad we made the change!!

    1. CPO Admin says:

      Hi Jerry,

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

  18. Unhappy Cusotmer says:

    Do not use this company for anything! An agent that worked for them signed me up for a month to month credit card processing service. I was told there would be no cancellation fee. I even have the email saved from the agent as proof. I found a better offer through another company and went to cancel with them and was told I would have to pay a $195 cancellation fee because the agent that signed me up didn’t have the authority to waive that fee. That agent no longer workers for their company so they cannot take the fee out of his residuals and upper management will not cover it. This sounds like they hire salespeople to tell customers whatever they want so they can make a commission, but won’t back their bogus claims. What a poorly run company. On top of that, they will never call you back. I was told twice I would get a call back by the end of the day and no call. They said upper management isn’t available to talk to me and that they would “give my number” to them and they would call me back. Still waiting on that call….

  19. jay says:

    This merchant service is very poor, total unprofessional, nothing systematic, called 10 times to close to account, still up to 4 month, they have not close my account and still charging $39.95 to my account. I am taking legal action now.

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