Mercantile Processing Inc. Review: Fees, Complaints & Lawsuits

MPI Logo
Mercantile Processing Inc. Rating
full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating

Agree with our rating?
Leave a comment below

image of a phone image of a phone that changes when your mouse hovers over it (877) 508-2831 View Pricing

A Full-Service Merchant Account Provider

Founded in 2006, Mercantile Processing Inc. 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. In 2021, Merchantile Processing acquired Coastal Cash Register.

Mercantile Processing Inc. Payment Processing

Mercantile Processing Inc. offers payment processing for most major debit and credit cards for most business types, including small businesses and high-risk. Their services include POS systems (from Lavu, Vend, and VetBadger), wireless terminals, e-commerce solutions, recurring billing, customer data management, EMV swipers, payroll solutions, access to a variety of payment gateways, gift card and loyalty programs, and ATM machines.

Mercantile Processing Inc. Location and Ownership

Mercantile Processing Inc. is headquartered at 32695 Roxana Rd., Millville, DE, and is a registered ISO/MSP of Wells Fargo Bank NA, Concord, CA. Kyle Morgan is the CEO of Mercantile Processing Inc.

Mercantile Processing Inc. Review Table of Contents

  • Costs & Contract: Mercantile Processing Inc. offers variable contract terms depending…
  • Complaints & Service: Mercantile Processing Inc. complaints number fewer than 10 on public…
  • BBB Rating: Mercantile Processing Inc. currently has an “A+” rating with the Better Business Bureau and has received 1 complaint in the last 3 years. The company has been…
  • Sales & Marketing: Mercantile Processing Inc. hires independent sales agents but…
Mercantile Processing Inc. services

The services offered by Mercantile Processing Inc.

Mercantile Processing Inc. Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
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. reviews 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. If you have your own Mercantile Processing Inc. review to make, please do so in the comment section below.

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. 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.

We have located a single Mercantile Processing Inc. customer support number:

(877) 508-2831 – Toll-Free Customer Support

Mercantile Processing Inc. also offers a customer service email address at [email protected]

Mercantile Processing Inc. customer support

The MPI customer suport options

Mercantile Processing Inc. Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total BBB Complaints 1
Response Rate 100%
Resolved Complaints 1

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 received 1 complaint in the past three years. The 1 complaint was resolved to the satisfaction of the merchant.

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.

Mercantile Processing Inc. Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
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 Mercantile Processing Inc. 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.

Mercantile Processing Inc. Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers No
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. reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.

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.

Our Mercantile Processing Inc. Review Summary

Our Final Thoughts

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.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did Mercantile Processing Inc. Treat You?

2 Responses

  • Christy Scott

    MPI has been the absolute worst processing company we have ever worked with.

    In July of last year we discovered that they had issued us 1000 gift cards for their system with duplicate numbers, so only 345 unique numbers were assigned. We figured it out after much digging and customer loss. It turned out in some cases we had 4 customers with the same gift card number. Eventually, one of them mentioned that they didn’t know why they never had to reload their card.

    In the end, MPI cost us thousands of dollars, which they insisted they would make good on. We eventually dropped them in December 2019, but they have continued to charge us for monthly gateway fees and it has continued through June 2020, and we are still battling with this less than honorable company.

    I would love to know how to do a public review of MPI.


    • Christy,

      Any retailed review you have would certainly be welcome here in the comment section of this review.

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2023, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.