MeritCard Solutions Review

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Credit Card Processors
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Category Breakdown
Sales & Marketing rated A
Costs & Contract rated B
Complaints & Service rated A
BBB Rating rated A

Overall Rating

"A-" Credit Card Processor Rating


MeritCard Solutions, LP ( is a merchant account provider for a wide variety of industries. There is some evidence that the company relies on First Data for its processing network. Established locally in 2007, Meritcard Solutions is located at the address 311 S Central Expressway, Dallas, Texas 75201. MeritCard Solutions LP is a registered ISO/MSP of Wells Fargo Bank, N.A. of Walnut Creek, California, and Merrick Bank Corporation of South Jordan, Utah. Aimee Scorcio is listed as the CFO of Meritcard Solutions, while Chris Shultz is listed as the company’s principal.

MeritCard Products and Services Industries Served
  • Retail
  • MOTO
  • E-commerce
  • Restaurant
  • B2B/B2G

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Sales & Marketing | A

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

MeritCard Solutions partners with ISOs, independent resellers, and outside agents to market its services. One such organization is Processing Strategies, LLC ( This 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.

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Costs & Contract | B

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: $99
Equipment lease: Variable

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

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Complaints & Service | A

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

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.

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BBB Report | A*

Key Points – BBB Report
Product/service: 1
Billing/collection: 0
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 1

The company has been an accredited business of the Better Business Bureau since 2009 and currently maintains an “A+” rating. Within the last three years, two complaints have been registered, with one under delivery issues and one due to problems with the product or service. One issue was resolved with BBB assistance, while the BBB believed a good faith effort was made to resolve the other issue despite customer dissatisfaction with the resolution. In light of these figures, we have slightly adjusted the BBB’s grade to an “A.”

* Denotes CPO-adjusted BBB score

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Bottom Line

MeritCard Solutions Review

Rated 4.3 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-02

MeritCard rates as a better-than-average merchant account provider according to our rating criteria. The company is showing very few complaints online, but there is not a great deal of available information regarding its standard contract terms. There is some indication that the company is a reseller of First Data’s services, so it’s possible that merchants can expect the basic First Data contract terms from MeritCard.

This review was originally published on 7/28/12 and was last updated on 4/2/15.

Leave your review of MeritCard Solutions in the comment section below:


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1 comment

  1. Phil

    STAY AWAY!!!!! Run for your lives and for the sake of your business. I processed through these guys and they give you the run around and have terrible terrible customer service. It has taken over a week to receive funds from accounts we processed 6 days ago. I call to find out why and they cant even tell me why. They told me they needed “Authorization verification” so I spent an entire day getting together paperwork and tracking down agreements of clients I have had for years to “verify”. Later I was told I didnt need to do that and that I would receive partial funds but not my AMX of over $5k.

    These guys cant tell which way is up. DO NOT trust your merchant funds with such an irreputable company; you will be at risk of terrible customer service and a lack of competence that is unparalleled in the industry. RUN, RUN, RUN!!

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