Mercantile Processing Inc. Review

Mercantile Processing Inc. Overview

Mercantile Processing Inc. May Have Overcharged You

If you accepted credit cards through Mercantile Processing Inc. 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 Full-Service Merchant Account Provider

Founded in 2006, Mercantile Processing Inc. (MPI – is a merchant account provider that serves most business types. The company is partnered with Lavu and Vend as its preferred point-of-sale providers, and it can also provide payroll solutions for business owners.

Mercantile Processing Inc. Location and Ownership

Mercantile Processing Inc. is headquartered at 32695 Roxana Rd. Millville, Delaware 19967, and is a is a registered ISO/MSP of Wells Fargo Bank NA, Walnut Creek, CA. Kyle Morgan is the principal of Mercantile Processing Inc.

Mercantile Processing Inc. Review Table of Contents

  • Costs & Contract: Mercantile Processing Inc. offers variable contract terms depending on each merchant’s business type, size, and processing history.
  • Complaints & Service: Mercantile Processing Inc. has received fewer than 10 public complaints.
  • BBB Rating: Mercantile Processing Inc. currently has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Sales & Marketing: Mercantile Processing Inc. hires independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Mercantile Processing Inc.
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO
  • High risk

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Mercantile Processing Inc. 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

Mercantile Processing Inc. Contract Terms

There is no publicly available information about the standard Mercantile Processing Inc. contract at this time. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s wide range of preferred merchant types means that it could offer long-term equipment leases for certain merchants’ needs.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is difficult to assess at this time whether Mercantile Processing Inc.’s contract terms are competitive with the cheapest merchant accounts.

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Response from Mercantile Processing Inc.

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Mercantile Processing Inc. Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any Mercantile Processing Inc. complaints that accuse the company of being a ripoff or a scam. In fact, the credit card processor is showing only positive reviews across various consumer protection websites. This seems to indicate that Mercantile Processing Inc. employs a proactive and available customer support team.

Mercantile Processing Inc. Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Mercantile Processing Inc. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Mercantile Processing Inc. Customer Support Options

The Mercantile Processing Inc. website provides general phone and email contact information but does not list a dedicated customer support number. We will award Mercantile Processing Inc. an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

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Response from Mercantile Processing Inc.

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Mercantile Processing Inc. 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

Mercantile Processing Inc. has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2008. The company has not received any complaints in the past three years. It also has received exclusively positive informal reviews.

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.

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Response from Mercantile Processing Inc.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside/Outside Sales Team

Mercantile Processing Inc. appears to rely on a combination of independently contracted sales agents and in-house staff to market its services. There is no evidence at this time indicating that the company employs independent sales agents, and we are unable to locate any Mercantile Processing Inc. complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

Mercantile Processing Inc. does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that Mercantile Processing Inc. is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Response from Mercantile Processing Inc.

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Mercantile Processing Inc. Marketing Example

MPI Logo

Our Opinion of Mercantile Processing Inc.

A Reliable Option for Most Merchants

According to all available information, Mercantile Processing Inc. rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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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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