Looking for a Reliable Processor? Here’s How First Merchant Payment Systems Performs

First Merchant Payment Systems, founded in 2001, is a merchant account provider serving small to mid-sized businesses throughout the United States. It is worth mentioning that First Merchant Payment Systems could potentially be confused with First American Payment Systems; merchants are advised to keep in mind that these are unrelated entities. According to the company’s website, First Merchant Payment Systems offers interchange-plus pricing and resellsClover POS systems.

Payment Processing

First Merchant Payment Systems processes major debit and credit cards for small to mid-sized businesses. Their services include Clover and PTech POS systems, EMV swipers, mobile solutions, e-commerce solutions with shopping carts, payment gateway access, QuickBooks integration, Level 3 B2B processing, cash discount programs, and payroll solutions.

Payroll Solutions

First Merchant Payment Systems offers comprehensive payroll and HR solutions to manage tasks like payroll, taxes, HR issues, benefits, and insurance. These solutions provide flexible input options, direct deposit, new-hire reporting, electronic onboarding, and various HR tools such as a help desk, job description wizard, and advanced HR toolkits.

Cash Discounts

The Cash Discount Program from First Merchant Payment Systems helps businesses save on credit card processing fees by passing these costs to customers while offering discounts for cash payments. The program includes a 4% customer service fee on all transactions, which is waived for customers paying in cash. Merchants processing over $15,000 per month can use the program for free, while those processing less pay a $39 monthly fee.

On The Fly POS

On The Fly POS is a cloud-based point-of-sale system designed for various business types, including restaurants, cafes, and retail stores. It supports payment processing, staff management, inventory organization, and report generation. Features include a digital menu board, kitchen display system, mobile app for online ordering, and contactless payment options.

Industries Served

First Merchant Payment Systems provides services to a wide range of industries, demonstrating their versatility in meeting diverse business needs. Industries served include restaurants, auto repair, beauty and fitness, e-commerce, service industry, lodging and hospitality, healthcare, retail, and veterinary services.

Low Complaint Total

We found only one external review of First Merchant Payment Systems beyond the Better Business Bureau (BBB). This minimal complaint volume might suggest an effective and responsive customer support team at First Merchant. However, it’s also plausible that some complaints directed towards First Merchant are instead addressed to the company’s backend payment processor. If you have a review or experience with First Merchant Payment Systems, we encourage you to share it in the comments section below for a broader perspective.

First Merchant Payment Systems Lawsuits

No outstanding class-action lawsuits or Federal Trade Commission (FTC) complaints have been found against First Merchant Payment Systems. For clients who prefer non-litigious resolutions to their issues, we recommend considering reporting their experiences to appropriate supervisory organizations.