Metro Bancard Review


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Metro Bancard Overall Rating

Last Updated: February 7, 2014
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Metro Bancard Overview

Metro Bancard Logo

Metro Bancard Logo

Metro Bancard ( is a merchant account provider headquartered in Birmingham, Michigan. The company offers payment processing solutions for retail, internet, mobile, and restaurants, as well as check guarantee services, gift cards, cash advances and ATMs. Metro also provides processing equipment, including card terminals, PIN pads, check readers, and PC solutions. 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 Sales & Marketing Tactics | A-

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, but it isn’t clear at this time what exactly the company means by this. 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, but we are hesitant to improve Metro Bancard’s grade in this category until we have a clear understanding of what the company means by “interchange pass through.”

Metro Bancard Costs & Contract Terms | A

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. It is very 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.

Metro Bancard Complaints & Service | 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.

Metro Bancard BBB Report | N/A

As of this review, Metro Bancard is not listed with the Better Business Bureau (BBB). 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.

Bottom Line

Metro Bancard rates as a reliable credit card processor according to the limited information we have found about the company. Metro Bancard may 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.

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Disclaimer: While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice.

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