Fifth Third Processing Solutions Review

By Phillip ParkerUpdated: March 29, 2026Since: June 13, 2011

CPO was created by business owners to help others avoid unethical and expensive merchant account providers. To support the continued operation of this website we sell advertising to ethical... processors who have earned top marks in pricing, support, and business practices. Some of the recommendations found on this website may be paid placements.

Updated 2/11/19: This review will no longer be updated because Fifth Third Processing Solutions has changed its name to Vantiv, which is now Worldpay. See our Worldpay review for future updates.

Fifth Third Processing Solutions is a division of Fifth Third Bank as part of a joint venture with Advent International. The company entered the credit card processing industry in 1991 under the name of Midwest Payment Systems and then changed the name to Fifth Third Processing Solutions in 2003. In 2008, Fifth Third Processing Solutions was ranked as the 4th largest bankcard acquirer in the United States. Since its inception the company has acquired several other credit card processors and ISOs, including ACI Merchant Services, Card Management Corporation (CMC), TNB Card Services and National Processing Company (NPC). At the time of this review, the company has a Better Business Bureau (BBB) rating of an “A+” with nine complaints filed in the last 36 months. Fifth Third Processing Solutions offer a broad range of merchant processing services and equipment.

Customer Reviews & Sentiment

See Vantiv review.

Client Satisfaction Ratings

See Vantiv review.

Card Processing Rates & Fees

See Vantiv review.

Bottom Line

See Vantiv review.

Fifth Third Processing Solutions Rating

2.9/5

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Do You Accept Credit Cards In-Person?

In-person transactions include tap, dip, or swipe at a physical terminal.

YesNo

Do You Manually Key-In Credit Card Information?

Keyed-in transactions happen when you type a customer's card number into a terminal or virtual terminal.

YesNo

Do Your Customers Pay You Online?

Online transactions include e-commerce payments, invoices paid via a payment link, or virtual terminal charges.

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Card-Not-Present: 30% | Card-Present: 70%

How Much Are You Processing Each Month?

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How Many Transactions?

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Do you transmit the following data to your processor?

Sales tax details (amount, indicator)
Customer code or PO number
Invoice or order number
Merchant tax ID
Merchant postal/zip code

YesNo

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About The Author

Phillip Parker

CPO Creator & Founder

Since 2009, I have researched over 1,000 merchant services providers and published hundreds of payment education-related articles. This work has received national recognition, and my expertise in payments is regularly sought by large media outlets such as CNN, MSN, and INC Magazine, among dozens of others.

Shortly after graduating from college, I was recruited into a sales role with a credit card processor. Only later did I realize that the so-called "training" centered on selling expensive processing agreements... layered with hidden fees and long-term contracts. In my earliest transactions, I unknowingly steered friends and family into costly arrangements after they trusted my recommendation. When I fully understood the structure of what I had been selling, I resigned immediately and committed myself to exposing those practices. That commitment became the foundation of this website.

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About Us

CardPaymentOptions.com

Established 2009

This website was launched in 2009 as a modest blog dedicated to exposing questionable marketing and pricing practices within the credit card processing industry and how they negatively impact small business owners. What began as a side project has since evolved into a widely recognized platform advocating for transparency, accountability, and ethical standards in merchant services.

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.

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What is a Merchant Account Discount Rate?

A discount rate or fee is a percentage charged by a merchant service provider on each transaction processed through a merchant account. This fee is one of the main sources of revenue for these providers and varies based on factors like transaction type, the card used, and the terms agreed upon with the merchant.

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