Florida Merchant Services Review: Fees, Complaints & Lawsuits

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Florida Merchant Services Rating
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image of a phone image of a phone that changes when your mouse hovers over it (888) 490-7480 View Pricing

A Paysafe Group Reseller

Founded in 2016, Florida Merchant Services is a merchant account provider that serves most standard-risk business types. The company is a reseller of Paysafe contracts, and its president is a former employee of Merchant Lynx Services, Banc Certified Merchant Services, and iPayment. The company also advertises Clover and Poynt as POS solutions.

Florida Merchant Services Payment Processing

Florida Merchant Services processes all major debit and credit cards for most business types. Their services include Clover POS solutions, EMV readers and card swipers, and e-commerce solutions including access to virtual terminals.

Jamaar Manlove Legal History

In 2011, the president of Florida Merchant Services, Jamaar Manlove, was convicted of two felony theft counts and three misdemeanor counts that included falsification of business records and tax evasion. Prosecutors alleged that Manlove promised nine people who were facing foreclosure that he would “get them cash from the sale of their homes, allow them to continue to live there as tenants, repair their credit, and give them the opportunity to purchase their homes back.” Instead, he allegedly “strip[ped] out the equity homeowners had built in their properties — from $10,000 to $100,000 — through fees at closing which were paid to either himself, his associates or entities he controlled.” Neither Jamaar Manlove nor Florida Merchant Services appears to have been the subject of legal action related to their payment processing services.

Florida Merchant Services Location & Ownership

Florida Merchant Services is a registered ISO of PNC Bank, N.A., Pittsburgh, PA; and Elavon, Inc., GA. It is headquartered at 3662 Avalon Park E. Blvd, Orlando, Florida 32828. Jamaar Manlove is the president of Florida Merchant Services.

Florida Merchant Services Review Table of Contents

  • Costs & Contract: Florida Merchant Services offers variable contract terms depending on each merchant’s business type and processing history.
  • Complaints & Service: Florida Merchant Services complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Florida Merchant Services has an “A+” rating with the Better Business Bureau and has received 1 informal review in the last 3 years.
  • Sales & Marketing: Florida Merchant Services appears to hire independent sales agents but has not received any complaints about its sales practices.
Florida Merchant Services payment processing

Florida Merchant Services appears to offer standard payment processing services

Florida Merchant Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

We are unable to locate any negative Florida Merchant Services reviews at this time, and there is no indication that the company is a ripoff or a scam. As noted above, there are many Florida Merchant Services reviews online, but they are uniformly positive. We do not place much weight on positive reviews because they can be easily faked by a reputation management firm, but they certainly don’t hurt the company’s score at this time.

Florida Merchant Services Lawsuits

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

Florida Merchant Services Customer Services Options

Florida Merchant Services appears to offer live phone support to all of its merchants.

We have located multiple Florida Merchant Services customer service numbers:

(888) 490-7480 – Toll-Free General Customer Service
(407) 286-5522 – Office Number

Florida Merchant Services offers a dedicated email support address at [email protected], and it also offers a customer support form on its website.

This just barely satisfies our minimum expectations of the top-rated payment processors for great customer service.

Florida Merchant Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

A Clean Profile

Florida Merchant Services currently has an “A+” rating with the Better Business Bureau and has had no complaints in the last 3 years.

What Merchants Say

Florida Merchant Services has received 1 informal review through the BBB, which was positive in tone. The review mentioned excellent handling of problems:

These guys are problem solvers, had an issue and they help so fast, thank you for whoever is running this company.

If Florida Merchant Services continues to receive such stellar reviews, they may soon join our list of best merchant account providers for customer service.

An “A” Performance

We see no reason to disagree with the BBB’s rating at this time.

Florida Merchant Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Multi-Year Contract

Florida Merchant Services does not publicly disclose any information about its standard contract, and there aren’t any Florida Merchant Services complaints that mention specific contract terms through the company. It is likely that Florida Merchant Services customizes its pricing according to each merchant’s business type, location, and processing history. The company’s partnership with Paysafe means that the standard Florida Merchant Services contract is likely similar to the standard Paysafe contract, which is usually a one to three-year agreement with a $495 early termination fee.

No Red Flags

We are unable to locate any Florida Merchant Services complaints that mention excessive charges or unreasonable contract terms from the company. In fact, many available Florida Merchant Services reviews praise the competitiveness of the company’s prices and the savings they’ve seen through the company. The overwhelmingly positive consensus among merchants has earned Florida Merchant Services an “A” rating in this category for now.

Florida Merchant Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Unknown
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside/Outside Sales Team

Florida Merchant Services appears to hire both in-house and independent sales agents to market its services. The use of outside agents is commonly linked to elevated complaint rates, but we are currently unable to locate any Florida Merchant Services reviews that accuse the company of nondisclosure or misrepresentation. In fact, there are a large number of positive testimonials about the company’s honesty and transparency. If you suspect that Florida Merchant Services is overcharging you, then you can double-check your monthly bill with a third-party statement audit.

No Deceptive Quotes

Florida Merchant Services does not promote any misleading rate quotes or unrealistic guarantees on its website. In combination with the lack of complaints and the large number of positive merchant reviews, this is a strong indication that Florida Merchant Services is committed to fair dealing and honest sales practices.

Our Florida Merchant Services Review Summary

Our Final Thoughts

A Solid Merchant Account Provider

Florida Merchant Services rates as a reliable option for most merchants according to our rating criteria. The company has a clean complaint record and does not appear to engage in deceptive sales tactics. Our rating may be subject to change depending on merchant feedback, and merchants are still encouraged to scrutinize the terms of any contract they are asked to sign. For now, Florida Merchant Services’ contract terms should be compared to those offered by the highest-rated processors on CPO.

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Your Comments & Reviews

How Did Florida Merchant Services Treat You?

2 Responses

  • Bonnie King

    Southern Sod Inc

    The service we receive from Florida Merchants Inc is incredible! I highly recommend them to anyone that wants to save money and build their business. Our representative is awesome! Anytime we have a question or concern he is a phone call away and he answers his phone! He stops by occasionally to see if things are running smoothly and just a pleasure to work with. Very professional and very reliable!

  • Easton Christina

    I can’t say enough good things about Florida Merchant Services! From day one, they’ve been a game-changer for my business. Their seamless payment processing solutions have made transactions a breeze, and I’ve noticed a significant increase in sales since partnering with them. The customer support team is top-notch, always ready to lend a helping hand and resolve any issues promptly.

    What sets them apart is their commitment to understanding my specific business needs and tailoring their services accordingly. It feels like a personalized experience rather than a one-size-fits-all approach. Plus, their rates are competitive, and there are no hidden fees, which is a huge relief!

    Thanks to Florida Merchant Services, I can focus on growing my business with peace of mind, knowing that my payment processing is in expert hands. I highly recommend them to any business looking for reliable, efficient, and customer-oriented merchant services.

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