Florida Merchant Services Review: Fees, Complaints & Lawsuits

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Florida Merchant Services
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Florida Merchant Services

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PhonePhone(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

these processors announce that they now sync with quickbooks

Florida Merchant Services Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

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 BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints

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.

in the news apple versus banks

Florida Merchant Services Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
1.00% - 4.99%
Keyed-In Rate
1.00% - 4.99%
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

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 Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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.

Florida Merchant Services Review Summary

Our Final Thoughts and Opinions

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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Florida Merchant Services Competitors

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Customer & Employee Reviews

What Others Are Saying About Florida Merchant Services

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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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