Main Street Merchant Solutions Reviews & Complaints

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5
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Company Overview

Main Street Merchant Solutions is a merchant account provider operating out of Newton, Massachusetts. The company describes itself as a service of Symmetric Technologies, Inc which is an agent of Electronic Payments, Payment Logistics, and Clearent. This appears to mean that Main Street Merchant Solutions is simply a DBA of Symmetric Technologies. Symmetric Technologies resells the merchant accounts of Electronic Payments, Payment Logistics, and Clearent under the Main Street Merchant Solutions brand.

Main Street Merchant Solutions Payment Processing

Main Street Merchant Solutions processes most major debit and credit cards. Their services include e-commerce solutions including virtual terminals, payment gateways, recurring billing, shopping carts, API integration, and a customer vault. The company prominently advertises interchange-plus pricing and several different gateway partners for online payment processing via Authorize.Net, NMI, eProcessingNetwork, and USAePay.

Interchange-Plus

Main Street Merchant Solutions provides interchange-plus merchant accounts to a broad spectrum of merchants, highlighting this pricing model as a favorable choice for many businesses due to its outlined benefits. These benefits encompass lower processing costs compared to other providers, detailed daily settlement reports, transparent fee structures, easy reconciliation with Excel downloads, clear monthly statements, responsive customer service, timely fund settlements, no setup or early termination fees, and online reporting for swift customer issue resolution​.

Payment Gateways

Main Street Merchant Solutions provides online payment gateways from notable e-commerce payment gateway providers. They accommodate third-party shopping carts with built-in support for payment gateways like Authorize.net and NMI, and also offer custom solutions through their gateways' Application Programming Interface (API) for tailored integrations​.

Main Street Merchant Solutions services
Main Street Merchant Solutions does not offer much information on their site about their services

Main Street Merchant Solutions Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Clean Complaint Record

We are currently unable to locate any negative Main Street Merchant Solutions reviews, and there is no evidence that the company is a ripoff or a scam. This low complaint rate is unsurprising for Main Street, which operates as a division of Symmetric Technologies. While Main Street provides its own customer service to merchants, it’s likely that the company outsources at least some customer support to its backend processors. The total lack of public complaints has earned Main Street Merchant Solutions an “A” rating in this section, positioning it similarly to the top-rated payment processors for customer service. If you have your own Main Street Merchant Solutions review to make, please do so in the comments below.

Main Street Merchant Solutions Lawsuits

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

Main Street Merchant Solutions Customer Support Options

Main Street Merchant Solutions only offers a general telephone number and a contact form. The company does not disclose any dedicated customer support number, email, or live chat. This lack of support options is a departure from what the best merchant service providers for customer service generally provide.

Main Street Merchant Solutions Customer Service Number

  • (888) 200-7900 – Toll-Free Support

Other Support Options

  • Support form

Main Street Merchant Solutions Online Ratings

Here's How They Rate Online

No Current Profile

The Better Business Bureau does not maintain a profile for Main Street Merchant Solutions at this time. We therefore will not factor a BBB rating into this review.

Main Street Merchant Solutions Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Interchange +
Equipment Leasing Unclear

Flexible Pricing Options

As highlighted earlier, the Main Street Merchant Solutions website provides a platform for potential clients to compare a wide range of pricing plans offered by Electronic Payments, Payment Logistics, and Clearent. Typically, businesses with higher monthly volumes are eligible for more competitive plans. However, there are also low-volume options available featuring interchange-plus pricing, minimal monthly minimums, no PCI compliance fees, and no early termination fees.

All major fees are transparently disclosed, and users can freely explore the available plans without feeling pressured. Notably, there are no complaints regarding Main Street Merchant Solutions’ pricing and fees, suggesting that its pricing may compete favorably even with the cheapest merchant accounts.

E-commerce Solutions Pricing

Main Street Merchant Solutions also extends virtual terminal and payment gateway services to clients through various partners, including Authorize.net, NMI, eProcessingNetwork, and USAePay. However, pricing for these services depends on the chosen gateway, and it’s uncertain if the company’s interchange-plus pricing model applies. For instance, Authorize.Net charges a transaction rate of 2.90% plus $0.30. While resellers may offer altered terms and conditions, dealing with them could potentially result in lower rates than engaging directly with a gateway or merchant account provider. Additional charges such as gateway fees, technical support fees, batch fees, and extra transaction rates may be applicable to these e-commerce services.

Consider Your Options

While some business owners may not find a competitively priced plan through the company’s quote tool, it’s essential to recognize that Main Street Merchant Solutions may not cater perfectly to every business, as emphasized in its sales copy. Varying scores on CPO regarding contract terms for Electronic Payments, Payment Logistics, and Clearent underscore the importance of thoroughly reviewing all documentation before committing. Nonetheless, Main Street Merchant Solutions offers considerable flexibility in pricing, making it potentially suitable for a wide range of businesses.

Main Street Merchant Solutions payment gateway Main Street Merchant Solutions offers access to multiple payment gateways

Main Street Merchant Solutions Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms Yes

In-House Sales Team

Main Street Merchant Solutions appears to primarily market its services through referrals, strategic partnerships, and online advertising. There is no evidence that the company employs independent sales agents, and we cannot find any Main Street Merchant Solutions reviews that accuse the company’s sales team of deceptive tactics. If you suspect that Main Street is overcharging you, we recommend seeking a third-party statement audit.

Accurate Rate Quotes

Main Street Merchant Solutions provides an “Instant Quote” tool on its website that generates quotes from Electronic Payments, Payment Logistics, and Clearent based on monthly volume and average ticket size. This tool offers a remarkable degree of detail, breaking down interchange-plus rate quotes, monthly minimum fees, PCI compliance fees, early termination fees, and the sales volume necessary to avoid monthly minimum fees on each plan. This quote tool seems to offer valuable, transparent pricing information, and it is a large reason that the company has an “A” in this section.

Our Main Street Merchant Solutions Review Summary

Our Final Thoughts

Main Street Merchant Solutions rates as a reliable credit card processing provider according to all available information. The company has not received any public complaints and seems to offer a range of competitive contract terms. It’s important to note that Main Street Merchant Solutions should not be confused with Main Street Processing, a separate credit card processor based in Texas. Business owners seeking a dependable provider may find Main Street Merchant Solutions a suitable option while comparing its terms with those of other top-tier processors.

Location & Ownership

Brian Huyser founded Symmetric Technologies in 1998, and the company is located at 275 Grove St #2, Newton, Massachusetts. Main Street Merchant Solutions offers retail merchant accounts and e-commerce merchant accounts.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Main Street Merchant Solutions Treat You?

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