Metro Bancard Review

Category Breakdown
Sales & Marketing rated A
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating unrated

Overall Rating

A rating


Metro Bancard ( is a merchant account provider headquartered in Birmingham, Michigan. Metro Bancard‚ LLC is a registered ISO/MSP of Wells Fargo Bank, NA, in Walnut Creek, California. Although the company does not provide an address on its website, there is some evidence indicating that the company is headquartered at 1025 E. Maple Rd., Suite 107., Birmingham, Michigan 48009.

Metro Bancard Products and Services Industries Served
  • Debit and credit card processing
  • POS equipment
  • Merchant cash advance
  • Check guarantee
  • Gift and loyalty programs
  • ATM placement
  • Retail
  • E-commerce
  • Mobile
  • Restaurant

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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

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 merchants, we are currently unable to locate any negative Metro Bancard reviews that accuse the company’s sales team of unethical behavior. 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 basis points. 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.

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Costs & Contract | A

Key Points – Costs & Contract Terms
Swiped rate: IC + 0.25%
Keyed-in rate: IC + 0.25%
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: Variable

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 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 basis points per transaction to all merchants, which is a very competitive rate quote. 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 merchant’s size, business type, and time in business. 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.

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Complaints & Service | A+

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

We are currently unable to locate any Metro Bancard complaints that accuse the company of being a ripoff or scam. In fact, there appear to be zero negative 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, and the Metro Bancard website offers multiple lines of communication for customer service. At this time, it appears that Metro Bancard offers responsive and capable customer service.

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BBB Report | N/A

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.

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Bottom Line

Metro Bancard Review

Rated 4.6 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-27

Metro Bancard rates as a reliable credit card processor according to the limited information we have found about the company. Metro Bancard claims to offer Interchange-plus, 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.

This review was originally published on 3/25/13 and was last updated on 4/23/15.

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Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

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