Merchant Management Group 2023: Reviews & Complaints

Merchant Management Group Logo
Merchant Management Group
Star Full Star Full Star Full Star Full Star Full
Merchant Management Group

Agree with our rating?
Tell us about your experience with Merchant Management Group in the comment section below.

PhonePhone(850) 747-0664 View Pricing

Company Overview

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Merchant Management Group’s various payment processing services.
  • The company has received few complaints online.
  • The MMG contract is no longer available but likely resembles that of First Data/Fiserv.

Merchant Management Group Payment Processing

Merchant Management Group processes all major debit and credit cards for standard-risk businesses. 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. They also offer ATM services.

Location & Ownership

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. Rodney Friend is the founder and CEO and Dave Zank is the director of business of Merchant Management Group.

Merchant Management Group Pros and Cons


  • Few Complaints


  • Little Information About Contract Available

Table of Contents

Merchant Management Solutions business solutions
Merchant Management Solutions offers a variety of business services in addition to processing payments

Merchant Management Group Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Low Complaint Total

We are currently only able to locate 2 negative Merchant Management Group reviews 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. It is possible that some customer service complaints intended for Merchant Management Group have instead been filed against First Data (Fiserv) or First Data Global Leasing, but we have not found any evidence to suggest that this is happening. If you have your own Merchant Management Group review to make, please do so in the comments below.

Merchant Management Group Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Merchant Management Group. Dissatisfied clients 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

The company offers phone, email, and web support

Merchant Management Group Customer Service Number

  • 850-747-0664 – General Support

Other Support Options

The company does not qualify as a top-rated processor for customer service at this time.

Merchant Management Group BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

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 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.

Merchant Management Group Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Three-Year Agreement

The standard Merchant Management Group contract is a three-year agreement through First Data (Fiserv). Though neither the company’s agreement nor program guide specifies rates or transaction fees, those likely resemble First Data (Fiserv) terms 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 (Fiserv) contract.

First Data (Fiserv) offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multi-year contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Businesses that 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. Businesses 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 clients 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 clients should be aware that the potential for high fees is there. Readers will more likely see savings with a top budget merchant account provider.

Merchant Management Group point of sale

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

Merchant Management Group Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

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 Review Summary

Our Final Thoughts and Opinions

Merchant Management Group rates as a reliable credit card processing 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. Readers 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.

If you found this article helpful, please share it!

Customer & Employee Reviews

What Others Are Saying About Merchant Management Group

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

2 Responses

  • martha

    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


  • Dale Williamson

    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


Copyright ©, 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.

FTC & Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.
closecloseShow disclosure

About CPO

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

How We Score Processors

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

Popular Merchant Account Research
stripe logo
Stripe Credit Card Processing
June 9, 2023
square credit card processing logo
Square Card Reader & POS
March 19, 2023
Intuit Merchant Services
June 27, 2023
Shopify Logo
Shopify E-Commerce
February 11, 2022
Industry Specific Findings

Merchant Account Hidden Fee Calculator

processing cost calculator

Low Cost Processor of 2023