Merchant Express Overview

*Economic Slowdown Update: U.S. and Canadian businesses may qualify for refunds of certain credit card and debit card processing fees. Visit this page to find out if your business can benefit.

UPDATED: 1/23/2019 – Merchant Express appears to have been completely absorbed into the TransFirst brand name and is no longer an active brand.

Established in 1998 and based in Nashua, New Hampshire, Merchant Express LLC ( is owned by TransFirst, a transaction processor based in Hauppauge, New York. Merchant Express, also known as Merchant Accounts Express, provides a variety of merchant services to most business types and sizes including store front, e-commerce and mail order/telephone order businesses. They also have agreements with and Transaction Central to provide payment gateways.

Merchant Express is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California with corporate headquarters located at 20 Trafalgar Square Suite 466 Nashua, New Hampshire 03063.

At the time of the last update of this review, Merchant Express has 13 complaints filed with the Better Business Bureau (BBB) which is up from 12 since the previous update.  Of the total, seven are due to problems with products and services, four with billing and collection, and two with advertising or sales issues.  The BBB is stating that it is  no longer updating the local report and that inquiries should be sent to the Denver, Colorado-based BBB; however, no report could be located for Merchant Express on the Denver BBB website.  Currently, theres is no rating for Merchant Express with the BBB but our previous review of the company showed an “A+” rating.

There are a handful other complaints on various complaint boards outside of the BBB.  Most of the complaints report surprise over a cancellation fee of over $400, or other fees that merchants believed to be excessive.  It also appears that Merchant Express is being confused with another company called “Merchants Express” (with an “s”) which is a money transfer service and has numerous complaints regarding Craigslist scams. There doesn’t appear to be and connection between these two companies.

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Merchant Express Rates, Fees, and Costs

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Merchant Express Complaints & Customer Reviews

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Merchant Express BBB Rating Summary

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Truth In Marketing & Advertising

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Our Opinion of Merchant Express

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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

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1 Review Leave Your Review for Merchant Express Below

  1. Purchasing Elite says:

    DO NOT USED MERCHANT EXPRESS. They are the biggest con artists around. They will instantly approve you for an account, the second you start taking transactions, they will never deposit the funds into your bank account. Despite all the paperwork you send over, they will send someone to your place of business and they sniff through everything asking all types of questions that are none of their business. Even though the inspector says everything looks good and gives you high marks, these thieves have no intentions of handing over money to you. Regardless of whether your not you shipped products out. The first day I started processing, my general rule is that by law Im not paid for an item until the funds are in my bank account and never more. 3 days go buy and I start getting suspicious. Kept on calling and kept on getting the run around. Mayko, the queen bitch of them all penny barber. Got one fraud chargeback in 200 transactions is what they so called caused it all. I was well within my tolerances for chargebacks when they already knew what we were seling. Signed proof of delivery to the credit cards billable address wasnt good enough for them $100 being held then $500. The second they stopped depositing funds into my bank account was the second i stopped shipping. All types of threats they made, until I said prove that you deposited the funds into my bank account to legalize it. They kept on making threats saying even though I wasnt paid, I was still responsible for completing the transaction. Like I was going to believe their BS to protect their own interests. So after 3 weeks of this game, my lawyers physically went to their shack of a headquarters and served them with a seize and desist saying clearly “here’s a federal junction saying any more harrassment and your xx are going to get sued.

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