Merchant Management Group Review

Merchant Management Group Overview

Are you a decision maker with Merchant Management Group? Claim this review.

Offering Merchant Services Since 2004

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 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. The company also appears to partner with Clover and Rockit POS for its POS services. The company advertises its partnership with cHooZ to offer a cash discount program to merchants. In addition to its payment processing services, Merchant Management Group utilizes Clover Insights to provide merchants with business analytics, for marketing and consulting as well as event management through another one of its partners, Partywirks.

Headquartered in Florida

Merchant Management Group is a registered ISO of Wells Fargo Bank, NA, Concord, California, and is headquartered at 538 Harmon Avenue, Panama City, Florida 32401. Dave Zank is the director of buiness of Merchant Management Group.

Merchant Management Group Review Table of Contents

  • Costs & Contract: Merchant Management Group offers a three-year contract through First Data with a variable early termination fee.
  • Complaints & Service: Merchant Management Group has received fewer than 10 public complaints.
  • BBB Rating: Merchant Management Group has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2015.
  • Sales & Marketing: Merchant Management Group does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Merchant Management Group

Merchant Management Group Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Merchant Management Group merchant account statement. Not with Merchant Management Group? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

  • Accepted file types: pdf, doc, docx, png, jpg, xls, xlxs.

Products & Services Offered

  • Debit and credit card processing
  • EMV-compatible credit card terminals
  • Mobile phone processing
  • Merchant cash advance
  • Gift and loyalty programs
  • Cash discount program

Types of Businesses Served

  • Retail
  • Restaurants
  • Salons
  • Spas

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Merchant Management Group Rates, Fees, and Costs

Key Points

Swipe Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Early Termination Fee Up to $495
PCI Compliance Fee $19.95 Per Month
Contract Terms 36 Month (locked)
Equipment Lease Terms 48 Month

Three-Year Agreement

The standard Merchant Management Group contract  is a three-year agreement through First Data. Though neither the company’s agreement nor program guide specify rates or transaction fees, those likely resemble First Data’s since American Merchants Inc. is a reseller of their services. However, resellers do reserve the right to alter the terms and conditions of a typical First Data contract.

First Data offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed in rate of 3.29% plus $0.19. Another facet of these contracts are non-cancellable, long term equipment leases through First Data Global Leasing.

Some Red Flags

The company’s three-year term and built-in equipment lease are red flags that could trap merchants in long-term agreements with punitive early termination costs. However, the contracts include the ability to write in an early termination fee of $0.00 or opt out of the included equipment lease upon signup. We will assign MMG an “A” rating in this section due to the lack of complaints about its pricing, but merchants should be aware that the potential for high fees is there. Merchants will more likely see savings with a top budget merchant account provider.

Are you happy with your Merchant Management Group fees? Tell us about them before your go!

Response from Merchant Management Group

Are you a representative of Merchant Management Group? Add your voice to this section for free!

Merchant Management Group Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently only able to locate 1 negative Merchant Management Group review at this time (found below this review), and there is no evidence that the company is a ripoff or a scam. Merchant Management Group has been active for over 10 years, so its clean complaint record is exemplary by industry standards.

Merchant Management Group Lawsuits

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

Merchant Management Group Customer Support Options

It is possible that some complaints intended for Merchant Management Group have instead been filed against First Data or First Data Global Leasing, but we have not found any evidence to suggest that this is happening. The company offers phone and email support to all of its merchants but does not qualify as a top-rated processor for customer service at this time.

Do you have a complaint or testimonial about Merchant Management Group? Make your voice heard before you go!

Response from Merchant Management Group

Are you a representative of Merchant Management Group? Add your voice to this section for free!

Merchant Management Group 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

No BBB Complaints

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 not received any 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. Merchants should be aware, however, that there is reason to be skeptical of the BBB’s rating system.

How has Merchant Management Group treated you? Tell us about it here!

Response from Merchant Management Group

Are you a representative of Merchant Management Group? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

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 complaints 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, Merchant Management Group provides 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, 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.

Did you get what you expected from Merchant Management Group? Tell us why, or why not.

Response from Merchant Management Group

Are you a representative of Merchant Management Group? Add your voice to this section for free!

Merchant Management Group Marketing Example

Merchant Management Group Logo

Our Opinion of Merchant Management Group

An Above-Average Option

Merchant Management Group rates as a reliable merchant services provider according to all available information. The company is transparent about its contract terms and has received hardly any negative feedback from merchants in public forums. Merchants are still advised to inquire about all potential fees and to compare the company’s contract terms to those of top-rated providers. We will continue to monitor merchant responses and adjust Merchant Management Group’s rating as we obtain more information.

We rely on your feedback about Merchant Management Group to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. 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 here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

Get started right away! I've help businesses save $1,156,834 this year alone! Submit a recent statement and I'll take a look at it for free.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

2 Reviews Leave Your Review for Merchant Management Group Below

  1. martha says:

    I had them for years and was pretty satisfied. Then they became very unresponsive and I left them, having been told my contract was ended and NO FURTHER CHARGES would be coming out. Certainly I owed them none. Then, unexpectedly, they took funds out of my account they no longer were entitled to that caused me an overdraft. Though they admit they should not have and should return it, over 30 days later, still nothing. Think long and hard


    This post will help: Cancelling a Merchant Account Without Paying a Fee

    -Phillip

  2. Dale Williamson says:

    I used this company for several years to handle my credit card services for my business. I was “forced” to upgrade to a machine that would handle a chip reader, since I received a $158 charge back from the credit card company for not having a chip reader. I was told that I was signing an agreement to lease the new card reader, but come to find out they were actually signing me up for an extended three year contract and not informing me until I cancelled their service to go with their competition, who offered better prices and service. I contacted the owner about the contract, he said he would think about letting me out of the $15.99 a month fee that I have been paying for over a year since cancelling their service. I continue to keep getting a bill for $15.99 and guess the owner decided to keep charging me for doing nothing. I will never use their service, not will I recommend them.I always try to keep it local, but Central Payment has saved me $40 a month, and I actually have a representative that comes by and checks to see if I need anything. I maybe saw three people the entire 5 years I used that this company. I guess since the Central Payment is saving me $40 a month, I am still ahead $24.01 a month after paying your extortion bill

Leave a Review for Merchant Management Group

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

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.