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Is Impact Merchant Solutions Worth Your Business? Full Review

Name: Impact Merchant Solutions
Item: Impact Merchant Solutions
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 27, 2025

Maintained Since: September 19, 2019

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Impact Merchant Solutions

Rating

5/5

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Pros

High client retention

No early termination

Customized pricing plans

E-commerce capabilities

Mobile payment solutions

Cons

Potentially high rates

Potential cancellation fees

Independent sales agents

Monthly PCI fees

Aggressive sales tactics

Overview

In this review of Impact Merchant Solutions, we take a closer look at the company’s credit card processing services. Their offerings include point-of-sale systems, mobile payment solutions, and e-commerce capabilities designed to support a variety of businesses. We’ll highlight which types of businesses may benefit most from these services. We’ll also review client and customer feedback to uncover common trends and concerns. In addition, we’ll cover the company’s pricing structure, contract terms, and included features. By the end, you’ll know whether Impact Merchant Solutions is the right fit for your payment processing needs.

About Impact Merchant Solutions

Impact Merchant Solutions payment processing — **Impact Merchant Solutions offers standard payment processing services**

Launched in 2017, Impact Merchant Solutions is a merchant account provider that serves most business types. The company previously operated under the name “Associated Merchant Services” and listed a primary location in Durango, Colorado. The company also appears to share much of its leadership with GOAT Payments, and indeed they share an address and the BBB has even merged their profiles. It is unclear what the distinction is between the two businesses. Impact Merchant Solutions is partnered with First Data (now Fiserv), Elavon, WorldPay, TSYS, Paymentech, Global Payments, Authorize.net, NMI Payment Gateway, Valutec, and CrossCheck as its backend payment processors.

Products & Merchant Services

Payment Processing

Impact Merchant Solutions processes all major debit and credit cards for a variety of business types. Their services include acceptance of major credit cards and signature debit cards, comprehensive POS PIN debit card processing, Electronic Benefits Transfer (EBT), electronic check processing, gift cards, loyalty cards, mobile processing, and telephone and mail-order transaction processing. They offer one-on-one training with an expert, 24/7 support, and a range of credit card processing equipment, including compliant POS and mobile terminals. Additional services include financing and cash advances, real-time reporting and analysis, transaction tracking, and potential discounts for high-volume processing.

Customer Reviews & Sentiment

No Public Complaints

As of now, there are no readily available negative Impact Merchant Solutions reviews suggesting the company is involved in deceptive practices or scams. This lack of negative feedback may reflect positively on the efficiency and accessibility of Impact Merchant Solutions’ customer support team. We invite you to contribute your own Impact Merchant Solutions review in the comments section below.

Impact Merchant Solutions Lawsuits

No significant class-action lawsuits or FTC complaints against Impact Merchant Solutions have been discovered. Merchants who prefer a non-litigious approach to resolving issues with the company might consider reporting their experiences to the appropriate supervisory authorities.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	2
BBB Rating	4.2
Average Rating	4.2

PaymentPop Rating for Impact Merchant Solutions

Negative Feedback

They call with “Account information” but they can’t tell you who your service provider is, they can see your statement, but cannot tell you who your service provider is.
Total scam, disrespectful staff, waste of company time.

Positive Feedback

Impact Merchant Solutions has been a game-changer for my business! Their top-notch payment processing solutions have significantly improved our efficiency and streamlined our transactions. From the moment we partnered with them, the entire experience has been seamless and hassle-free.
Their team’s expertise and prompt support have been exceptional. They took the time to understand our unique requirements and tailored a solution that perfectly fit our needs. With their cutting-edge technology and secure payment processing, we now have complete peace of mind knowing that our customers’ data is safe.
Our revenue has seen a notable boost since implementing Impact Merchant Solutions’ services. I can confidently say that choosing them has been one of the best decisions we’ve made for our business. I highly recommend their services to anyone looking for a reliable and efficient payment processing partner.

Impact Merchant Solutions (as GOAT Payments) BBB Rating

Impact Merchant Solutions (as GOAT Payments) has an “A+” rating with the Better Business Bureau and is not BBB accredited. The company has received 3 complaints in the past 3 years. All 3 complaints were resolved to the satisfaction of the merchant. Impact Merchant Solutions (as GOAT Payments) has a 4.2 out of 5 star rating based on 5 user reviews on the Better Business Bureau website.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Processing Rates & Fees

Impact Merchant Solutions Contract Terms

Currently, specific details about Impact Merchant Solutions’ standard contract are not disclosed publicly. The company appears to tailor its pricing and agreement conditions based on the specific needs of each merchant, considering factors such as business type, location, and transaction history. According to its website, Impact Merchant Solutions emphasizes that it does not lease terminals and often provides them at no additional cost.

No Red Flags

The lack of complaints concerning Impact Merchant Solutions’ contract terms leads to an “A” rating in this aspect. However, this evaluation is conducted without direct insight into the company’s pricing structure. Determining how Impact Merchant Solutions’ contract terms stack up against the market’s most competitive merchant accounts remains challenging. Merchants seeking comprehensive options may benefit from reviewing our selection of thepremier merchant account providers.

Employee Reviews & Sales Practices

Inside/Outside Sales Team

Impact Merchant Solutions appears to rely on a combination of independent resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any Impact Merchant Solutions complaints that report unethical behavior by the company’s sales staff. This compares favorably to our list ofbest credit card processors.

No Misleading Quotes

Impact Merchant Solutions does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you are being charged undisclosed Impact Merchant Solutions fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Impact Merchant Solutions Competitors

Compare Impact Merchant Solutions to competitors that earned top marks.

Pricing

Bottom Line

Impact Merchant Solutions is evaluated as a reliable credit card processing provider. While detailed information on the company’s contract terms is not extensively documented, its partnership with notable processors like First Data (now Fiserv), Elavon, and WorldPay speaks to its industry credibility. Impact Merchant Solutions operates under a previous identity, “Associated Merchant Services,” and its connection with GOAT Payments under shared leadership and addresses hints at a more intricate business arrangement, although the specifics between the two entities remain unclear. The company’s clean complaint record suggests satisfactory customer experiences and operational efficiency, reinforcing its dependability.

However, the lack of public grievances should not deter potential clients from conducting thorough due diligence. Merchants considering Impact Merchant Solutions for their payment processing needs should scrutinize the contract terms. It is crucial to ensure clarity and fairness in the agreement to prevent any future issues that could arise from misunderstood or unfavorable contract stipulations. By maintaining vigilance and seeking to understand every component of their service agreement, businesses can better safeguard themselves against potential complications while leveraging Impact Merchant Solutions’ broad array of payment processing solutions.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Impact Merchant Solutions

Contact & Customer Support
President	Reuven Cypers
Headquarters	4580 Thousand Oaks Blvd, Westlake Village, California 91362
Toll-Free General Customer Service	(855) 551-8558
Wesbite	impactmerchantsolutions.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

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.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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