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Is Merchant Management Group Right for Your Business? Read This Review

Name: Merchant Management Group
Item: Merchant Management Group
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 22, 2025

Maintained Since: September 16, 2016

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Merchant Management Group

Rating

5/5

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Pros

Competitive processing rates

Diverse payment solutions

Advanced fraud prevention

Transparent pricing structure

Secure transaction processing

Cons

Potential hidden fees

Lengthy contract terms

Potential cancellation fees

Possible fund holds

Equipment leasing costs

Overview

Merchant Management Group provides payment processing solutions for businesses, including credit card processing, point of sale systems, and e commerce tools. In this review, we examine the company’s services, pricing, contract terms, and customer feedback. We also consider the transparency of their fees, the responsiveness of their customer support, and overall merchant satisfaction. By the end, you will have a clear understanding of what Merchant Management Group offers and whether it is the right fit for your business.

About Merchant Management Group

Screen Capture of Merchant Management Homepage — Merchant Management Group Homepage

Founded in 2004, Merchant Management Group is a merchant account provider that serves most standard-risk business types in the U.S. The company is a reseller of First Data (now Fiserv) products and services. According to the company’s website, it has active partnerships with select businesses including telecommunications conglomerate Comcast and financial firm Edward Jones.

Products & Merchant Services

Payment Processing

Merchant Management Group provides a range of payment processing solutions, catering to businesses of all sizes. Their services ensure secure, efficient, and reliable transactions, helping businesses streamline their payment operations and improve customer satisfaction.

POS Services

The company offers point-of-sale (POS) services through Clover and Rockit POS systems. These systems are designed to be user-friendly and versatile, supporting various business operations from sales transactions to inventory management.

Cash Discount Program (cHooZ)

One of the standout services offered by Merchant Management Group is the cHooZ Cash Discount Program. This innovative program allows businesses to offset processing fees by offering customers a discount for paying with cash.

Business Analytics for Marketing and Consulting

Merchant Management Group also provides business analytics services for marketing and consulting. These services help businesses gain insights into their operations, customer behaviors, and market trends.

Event Management (Partywirks)

For businesses involved in event management, Merchant Management Group offers Partywirks, a comprehensive solution for managing events. This service covers everything from booking and scheduling to payment processing.

ATM Services

Merchant Management Group provides ATM services. These services ensure that businesses can offer their customers convenient access to cash.

Customer Reviews & Sentiment

Minimal Complaints

As of now, we have only found 2 negative reviews of Merchant Management Group (MMG) (located below this review), suggesting a low complaint volume and no indication of fraudulent behavior. MMG has been operating for over a decade, maintaining a commendably clean complaint record compared to industry standards. While it’s plausible that some customer service issues intended for MMG may have been misdirected to First Data (Fiserv) or First Data Global Leasing, there’s no concrete evidence to support this. If you have your own experience with Merchant Management Group, feel free to share it in the comments below.

Legal History

No class-action lawsuits or FTC complaints have been found against Merchant Management Group. Clients dissatisfied with the company’s services and seeking a non-litigious resolution are encouraged to report their concerns to the relevant supervisory bodies.

Customer Support Options

Merchant Management Group provides support through phone, email, and web channels.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Google Maps	4.3
Average Rating	4.65

PaymentPop Rating for Merchant Management Group

Negative Feedback

There are no negative reviews published about Merchant Management Group on the PaymentPop website.

Positive Feedback

Merchant Management Group was easy to work with. They helped us get set up with the right equipment, and our processing has been reliable. We liked that they didn’t try to oversell us just gave us what we needed to keep business moving.

Merchant Management Group BBB Rating

Merchant Management Group has an “A+” rating with the Better Business Bureau and has been accredited with the BBB since May 2015. The company has received 0 complaints in the past three years. It also has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Rating

In light of Merchant Management Group’s total lack of complaints, we agree with the BBB’s rating at this time. Readers should be aware, however, that there is reason to be skeptical of the BBB’s rating system.

Google Maps Rating for Merchant Management Group

Merchant Management Group has a 4.3 out of 5 star rating based on 6 user reviews on Google Maps.

Positive Feedback

Our company used MMG for over 25 years . Their customer service and support was amazing . Having a local group to be able to call and any issues being fixed promptly was the best . My family and myself appreciate all the great years as your customers.

Negative Feedback

Horrible customer follow up with MMG we have attempted to resolve an overcharge in excess of $1500 after we cancelled their service. We have made multiple calls, emails and messages to several contacts at MMG over the past 6 months annd no one anttempted to return our calls annd messages. we just get the run around from them. I would not recommend MMG for any services they offer. If Google had negative stars they would get -5 stars for sure. All businesses beware!!!!!!!!

Processing Rates & Fees

Details of the Merchant Management Group Contract

The standard Merchant Management Group contract outlines a three-year agreement with First Data (Fiserv). Specific rates or transaction fees are not detailed in the company’s agreement or program guide, but they are likely similar to those of First Data (Fiserv) as Merchant Management Group is a reseller of their services. It’s important to note that resellers may modify the standard First Data (Fiserv) contract terms.

First Data (Fiserv) typically offers a multi-year contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Rates for businesses processing up to $50,000 monthly are typically 2.69% plus $0.19 for swiped transactions and 3.69% plus $0.19 for keyed transactions. Higher volume businesses may see reduced rates. Contracts often include non-cancellable equipment leases through First Data Global Leasing.

Potential Concerns and Flexibility

The three-year term and possible equipment lease associated with Merchant Management Group could present challenges, potentially locking clients into long-term contracts with significant early termination fees. However, the contract does provide options to waive the early termination fee or opt out of equipment leases at the time of signing. Merchant Management Group is rated “A” due to minimal complaints about pricing. Nonetheless, business owners should be cautious of potential high fees and might find better value with a more cost-effective merchant account provider.

Merchant Management Group offers Clover POS systems through First Data (Fiserv)

Employee Reviews & Sales Practices

Company Sales Approach

Merchant Management Group appears to primarily market its services through strategic partnerships and traditional advertising. There is no evidence at this time that the credit card processor employs a large team of independently contracted sales agents, although it is possible that it maintains some independent reseller relationships.

Public Contract Disclosure

We are unable to locate any Merchant Management Group reviews that accuse the company’s sales team of deceptive conduct, and there are no misleading rate quotes or unrealistic guarantees on its website. In fact, at the time of our last review, Merchant Management Group provided copies of its merchant agreement and program guide on its website, which is an uncommon degree of disclosure for any company in the credit card processing industry. However, as of this update, it appears the website has taken down its merchant agreement and program guide. If you suspect that Merchant Management Group is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Merchant Management Group Competitors

Compare Merchant Management Group to competitors that earned top marks.

Pricing

Bottom Line

Merchant Management Group is rated as a reliable credit card processing provider based on all available information. The company is commendably transparent about its contract terms and has received minimal negative feedback from merchants across public forums.

Nevertheless, prospective clients should still inquire about any potential fees and compare the company’s contract terms with those of top-rated providers to ensure they’re getting the best value. We’ll continue to monitor merchant feedback and adjust Merchant Management Group’s rating as more data becomes available, ensuring our assessment reflects current client experiences.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Merchant Management Group

Contact & Customer Support
Founder and CEO	Rodney Friend
Director	Dave Zank
Headquarters	538 Harmon Avenue, Panama City, Florida 32401
General Support	(850) 747-0664
Additional Support Channels	Online Contact Form and Live Chat
Website	merchantmanagementgroup.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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