Florida Merchant Services Review

Florida Merchant Services Overview

Florida Merchant Services May Have Overcharged You

If you accepted credit cards through Florida Merchant Services or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

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.

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 and Ownership

Florida Merchant Services is a registered ISO of BBVA Compass Bank, Decatur, Alabama; Wells Fargo, N.A., Concord, California; Woodforest National Bank, Houston, Texas; BMO Harris Bank, N.A, Chicago, Illinois; and Merrick Bank, Woodbury, New York. 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 has received fewer than 10 public complaints.
  • BBB Rating: Florida Merchant Services currently does not have a rating with the Better Business Bureau and has received 0 complaints 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.
  • Rates & Fees: How Merchants Got The Best Rates With Florida Merchant Services
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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Florida Merchant Services Rates, Fees, and Costs

Key Points

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 merchant 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 its standard 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 merchant 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.

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Response from Florida Merchant Services

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Florida Merchant Services Complaints & Customer Reviews

Key Points

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 reviews of the company 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 Support Options

Florida Merchant Services appears to offer live phone support to all of its merchants. This just barely satisfies our minimum expectations of the top-rated payment processors for great customer service.

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Response from Florida Merchant Services

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Florida Merchant Services BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

Florida Merchant Services currently does not have a rating with the Better Business Bureau and has not received BBB accreditation. The company has not received any complaints in the past three years. It also has not received any informal reviews during that time.

No Rating For Now

The BBB does not give a reason for withholding a rating. We will not assign our own rating at this time. Merchants should note that there are good reasons to be skeptical of the BBB’s rating system.

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Response from Florida Merchant Services

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Truth In Marketing & Advertising

Key Points

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 complaints 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 large number of positive merchant reviews, this is a strong indication that Florida Merchant Services is committed to fair dealing and honest sales practices.

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Response from Florida Merchant Services

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Florida Merchant Services Logo

Our Opinion of Florida Merchant Services

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.

We rely on your feedback about Florida Merchant Services 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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