Main Street Merchant Solutions Reviews & Complaints

Name: Main Street Merchant Solutions
Item: Main Street Merchant Solutions
Rating: 5
Author: Phillip Parker

Phillip Parker

Updated: August 27, 2024

Maintained Since: December 8, 2015

▼ 0 User Reviews

Overall Score

How did they treat you?

Overview

Main Street Merchant Solutions, a company providing merchant accounts and credit card processing services, claims to cater to small to mid-sized businesses. This article will review the company's service offerings, pricing structure, contract terms, and customer feedback. We will provide a thorough assessment of their fees, transparency, and support quality based on available information and user reviews. By the end of this article, readers will have a clear understanding of whether Main Street Merchant Solutions is a suitable option for their payment processing needs.

About Main Street Merchant Solutions

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 Products and Services

Payment Processing

Main Street Merchant Solutions handles payment processing for most major debit and credit cards. Their services include e-commerce solutions such as virtual terminals, payment gateways, recurring billing, shopping carts, API integration, and a customer vault. The company offers interchange-plus pricing and partners with various gateway providers, including Authorize.Net, NMI, eProcessingNetwork, and USAePay, for online payment processing.

Interchange-Plus

Main Street Merchant Solutions offers interchange-plus merchant accounts, which can be advantageous for many businesses due to lower processing costs compared to other models. Benefits include 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 efficient issue resolution.

Payment Gateways

Main Street Merchant Solutions supports online payment gateways from prominent e-commerce providers. They integrate with third-party shopping carts that support gateways like Authorize.Net and NMI, and offer custom solutions through their 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 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

Rates & 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 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.

Contact Main Street Merchant Solutions

Contact & Customer Support
Founder	Brian Huyser
Address	275 Grove St #2, Newton, Massachusetts
Toll-Free Support	(888) 200-7900
Additional Support Channels	Online Support Form

About The Author

Phillip Parker

Phillip Parker is the founder, creator and author of this website. He is a payments industry expert, business consultant, and web developer. Since 2009, he has researched over 1,000 merchant services providers and published hundreds of payment education-related articles. His work has received national recognition and his expertise is regularly sought by large media outlets such as CNN, MSN, and INC Magazine among dozens of others. Learn more...

How Phillip Can Help You

Schedule a call with Phillip to get answers to your payment processing questions. Please note that Phillip's expertise focuses on merchant services within the U.S.

Credit card processing costs are complex and often difficult to understand. Hire Phillip to help you optimize your processing costs to the lowest possible rates without switching processors, trading out payment acceptance equipment, or modifying your processes.

Starting a new business or ready to find a new processor? Selecting the right merchant services provider is a crucial component of running successful business. Check out Phillip's processor picks see which companies offer the best services at the lowest costs or schedule a call today to learn how to get custom recommendations for you payment needs.

Testimonials & Complaints

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Hello and thank you for visiting! I'm Phillip, the creator and author behind this website. My mission with CPO is to hold credit card processors accountable for their business practices. I do this by publishing my research on their policies, contracts, pricing, and client satisfaction. The goal of this research is to provide a comprehensive guide for achieving the lowest costs with the best providers. I have been publishing my findings since 2009, and my work has been recognized by national publications such as CNN, MSN, FOX, and INC Magazine, among many others.