MeritCard Solutions Review

MeritCard Solutions partners with ISOs, independent resellers, and outside agents to market its services. One of the company’s resellers is Processing Strategies, LLC (processingstrategies.com). The use of resellers is a common hiring practice within the industry that tends to result in elevated complaint rates among merchants. In this case, we are currently unable to locate any negative MeritCard reviews that mention the company’s sales team. The company also does not appear to engage in any deceptive advertising strategies in its official materials. We therefore award MeritCard Solutions an “A” in this category.

At the time of this review, there is very little publicly available information regarding the standard MeritCard Solutions contract. The company is showing no public complaints that specifically mention its contract terms, and we are currently unable to verify whether the company exclusively resells the services of First Data. The MeritCard Solutions Merchant Program Guide is available below, but the only specific terms it mentions are a standard five-year agreement and a possible early termination fee. There is also a complaint filed with the BBB that mentions a PCI compliance fee of $99. The company’s extensive use of independent sales agents makes it likely that its contract terms will vary greatly depending on the agent setting up the account and the merchant’s business type, size, and time in business. Since the only explicitly listed term we can locate regarding MeritCard’s standard contract is an uncommonly long five-year service agreement, we are awarding the company a “B” in this category. See the MeritCard Program Guide.

As of this update, we are only able to locate one MeritCard Solutions complaint, which is found in the comment section of this website. The complainant stops short of accusing MeritCard of being a scam or a ripoff, but they do mention difficulty with the company’s fraud prevention policies and overall customer service. It is unclear whether MeritCard services its own accounts or outsources its customer support to First Data; in the latter case, it seems likely that other complaints from MeritCard clients would be redirected to First Data’s online profiles. Even given this possibility, the overall number of verifiable MeritCard complaints is exceedingly low.

MeritCard Solutions has been an accredited business of the Better Business Bureau since 2009 and currently maintains an “A+” rating. Within the last three years, only one complaint has been registered, and this complaint is listed as a billing or collection dispute. The complaint was either resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. In light of these figures, we agree with the BBB‘s rating at this time.