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Metro Bancard, founded in 2006, is a merchant account provider headquartered in Birmingham, Michigan. In addition to merchant accounts, the company also provides payment gateway, cash advance, check guarantee, and check conversion services to businesses.
Metro Bancard, LLC Payment Processing
Metro Bancard, LLC processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS systems, e-commerce solutions, MOTO, ACH and check processing, gift cards, cash advances, and ATMs.
E-Commerce Solutions Offered by Metro Bancard
For businesses that operate online, Metro Bancard provides an internet payment gateway. This service securely processes online transactions, making it easier for e-commerce businesses to handle sales.
Metro Bancard’s Mobile Payment Processing
For businesses that need flexibility in payment acceptance, Metro Bancard offers a mobile payment processing service. This allows businesses to process transactions through a mobile device, making it an ideal solution for businesses that operate in non-traditional environments or on-the-go.
Security Measures Adopted by Metro Bancard
To protect businesses and their customers, Metro Bancard implements a variety of security measures. These measures aim to reduce the risk of fraudulent transactions and data breaches.
Software Integration Capabilities of Metro Bancard
Metro Bancard’s payment processing solutions can integrate with various business software systems. This allows for streamlined management of sales data and provides businesses with valuable insights into their operations.
Location & Ownership
Metro Bancard‚ LLC is a registered ISO/MSP of Wells Fargo Bank, NA, Concord, California. Marc Gardner is listed as the president of Metro Bancard, which appears to be headquartered at 1025 E. Maple Rd., Suite 107., Birmingham, Michigan 48009. Their website lists Metro Bancard‚ LLC, PO Box 36, Bloomfield Hills, MI 48303 as their mailing address.
Metro Bancard Pros and Cons
- Interchange-plus pricing
- No complaints
- Little information positive or negative
Table of Contents
Metro Bancard Customer Complaints & Reviews
Here's What Users Think
Total Online Complaints
Live Customer Support
Most Common Complaint
Clean Complaint Record
We are currently unable to locate any Metro Bancard reviews that accuse the company of being a ripoff or scam. In fact, there appear to be zero negative Metroc Bancard reviews about the company across all consumer protection websites at this time. We have found two positive testimonials praising the company’s pricing structure, which supports the company’s claim that it offers interchange-plus. If you have your own Metro Bancard review to make, please do so in the comment section below.
Metro Bancard Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Metro Bancard. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Metro Bancard Customer Support Options
The Metro Bancard website offers multiple lines of communication for customer support including 24/7 phone support for merchant accounts and payment gateway issues and a 24/7 technical help desk. At this time, it appears that Metro Bancard offers responsive and capable customer service, much like top-rated merchant account providers for customer support.
Metro Bancard Customer Service Number
- (866) 886-3074 – Toll-Free Support
Other Support Options
- Support form
Metro Bancard BBB Rating and Report
Our Better Business Bureau Profile Assessment
No Current BBB Profile
As of this review, Metro Bancard is not listed with the Better Business Bureau. Given the lack of a BBB rating and our inability to find much concrete information about the company’s services, we are not factoring a BBB score into the company’s rating at this time.
Metro Bancard Fees and Rates
A Closer Look at the Contract
Monthly & Annual Fees
Interchange + 0.25%
There is currently very little information available about the standard Metro Bancard contract. The company’s website does not provide any specific details about its processor or its rates and fees, and there are no online Metro Bancard complaints about the company that report problematic terms at this time. A company representative has informed us that Metro Bancard offers standard pricing of interchange plus 0.25% per transaction to all clients, which is a very competitive rate quote.
The company also dedicates a portion of its website to the credit card terminals it offers. Terminals offered by First Data are included among the options. Those pieces of equipment include long-term, non-cancelable equipment leases through First Data Global Leasing for a period of 48 months. While the company’s other terms seem good, we don’t encourage merchants to lease equipment as buying it outright is almost always cheaper.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Metro Bancard also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Variable Contract Terms
It is likely that Metro Bancard resells the merchant services of a larger processor, but the identity of this processor is currently unknown. It is also likely that the company’s contract terms vary from sales agent to sales agent and are dependent on a business’ size, type, and time in business. Therefore, Metro Bancard’s contract terms may have the potential to be competitive with the cheapest merchant accounts. If you have any knowledge of the standard Metro Bancard contract (including PCI Compliance fees, early termination fees, and service length), please leave that information in the comment section of this review.
We also encourage business owners to check out our list of the providers of the best merchant accounts.
Metro Bancard Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Uses Independent Resellers
Discloses All Important Terms
Outside Sales Agents
Metro Bancard appears to partner with ISOs, resellers, and independent sales agents to market its services. Although this hiring practice typically results in complaints among clients, we are currently unable to locate any Metro Bancard complaints that accuse the company’s sales team of unethical behavior. That said, if you suspect that Metro Bancard is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.
This compares favorably to our list of best credit card processors.
Transparent Pricing Model
The Metro Bancard website makes mention of interchange-plus pricing, and a company representative has confirmed that the standard rate under this pricing plan is interchange plus 0.25%. Some companies advertise “interchange” or “wholesale” prices and condemn tiered pricing models in their official materials, but still factor deceptive markups into their cost. Interchange-plus pricing is the most transparent pricing model available, and we therefore award Metro Bancard an “A” rating in this category.