Metro Bancard Merchant Services 2023: Reviews & Complaints

Metro Bancard Logo
5/5
full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating

How did they treat you? ▼

Company Overview

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.

Table of Contents

Metro Bancard Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

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 Online Ratings

Here's How They Rate Online

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, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Unclear
Monthly & Annual Fees Unclear
Processing Rates Interchange + 0.25%
Equipment Leasing Yes

Interchange-Plus Pricing

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 Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

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.

Our Metro Bancard Review Summary

Our Final Thoughts

Metro Bancard rates as a reliable credit card processing provider according to the limited information we have found about the company. Metro Bancard claims to offer interchange-plus, which is the most transparent pricing model available, and is showing zero complaints online. The company’s rating may be subject to change once the BBB establishes a profile for it. Business owners are still encouraged to be thorough when researching the company and to compare its costs to those of top-rated providers.

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Testimonials & Complaints

How Did Metro Bancard Treat You?

1 User Reviews

  • Cooper Nicole

    I can’t say enough good things about Metro Bancard! As a business owner, finding a reliable payment processing partner is crucial, and Metro Bancard has truly been a game-changer for my company.

    First off, their payment solutions are top-notch. Setting up my merchant account was a breeze, and their technology seamlessly integrates with my point-of-sale systems. It’s made the whole payment process so much smoother for both my team and our customers.

    One of the standout features of Metro Bancard is their commitment to security. With the ever-increasing risk of fraud and data breaches, knowing that my customers’ sensitive information is in safe hands is a huge relief. They use the latest security measures, and I can trust that transactions are protected every step of the way.

    But what really sets Metro Bancard apart is their exceptional customer service. Whenever I’ve had questions or needed assistance, their support team has been there, ready to help with a smile. They genuinely care about their clients and go above and beyond to ensure that we have a positive experience.

    Another aspect that I appreciate is their transparency when it comes to fees and rates. There are no hidden surprises or unexpected charges. They are upfront about their pricing, which makes budgeting and financial planning a lot easier for my business.

    With Metro Bancard, I’ve also experienced faster funding times, which has greatly improved our cash flow. It’s incredibly important for any business to have access to funds quickly, and they deliver on this front.

    Overall, I can confidently say that Metro Bancard is a fantastic partner for any business looking for reliable payment processing solutions. Their technology, security, and customer service are second to none, and I’m thrilled to have them as a part of my business journey. If you’re on the hunt for a payment processing partner that truly cares about your success, I highly recommend Metro Bancard!

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