We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.
All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.
In this review of Metro Payment Technologies, formerly known as Metro Merchant Services, we examine this national merchant account provider that serves both in store and online businesses. We cover its payment processing services including merchant accounts, gateways, point of sale systems, virtual terminals, mobile and wireless payment solutions, cash advances, payroll tools, e-check processing, and chargeback protection. The review also evaluates contract terms, customer support, pricing structure, cancellation policies, and equipment leasing practices, while noting the lack of specific fee disclosures in some areas. By the end, you will have a clear view of whether Metro Payment Technologies offers the reliability, flexibility, and transparency your business needs.
About Metro Payment Technologies
Metro Payment Technologies Homepage
Founded in 1998, Metro Payment Technologies (formerly Metro Merchant Services) is a national merchant account provider that is able to serve most in-store and online business types. The company appears to rely on First Data (now Fiserv) for its credit card processing network.
Rebrand to Metro Payment Technologies
In June 2020, Metro Merchant Services rebranded to Metro Payment Technologies. While the company has refreshed its website, logo, and messaging, this seems to be only a marketing rebrand strategy. The company assures its clients that “it’s business as usual.”
Products & Merchant Services
Payment Processing
Metro Payment Technologies offers payment processing solutions that handle credit and debit card transactions for businesses.
POS Systems
Metro Payment Technologies provides Point of Sale (POS) systems designed to manage sales, inventory, and customer interactions. These systems are customizable to fit different business needs.
Virtual Terminals
Metro Payment Technologies offers virtual terminals that allow businesses to process payments remotely using any internet-connected device. This service is for businesses that need to accept payments over the phone or via mail orders.
Payment Gateway
Metro Payment Technologies provides a payment gateway for secure online transactions. This gateway integrates with various e-commerce platforms and shopping carts.
Mobile and Wireless Solutions
For businesses that require mobility, Metro Payment Technologies offers mobile and wireless payment solutions. These solutions enable businesses to process transactions using smartphones or tablets.
Cash Advances
Metro Payment Technologies offers cash advance services to businesses in need of immediate funding.
Payroll Solutions
Metro Payment Technologies provides payroll solutions designed to streamline the payroll process for businesses.
e-Check Processing
Metro Payment Technologies facilitates e-check processing, enabling businesses to accept electronic payments directly from customers’ bank accounts.
PCI Compliance
Metro Payment Technologies ensures that businesses comply with the Payment Card Industry Data Security Standard (PCI DSS).
Chargeback Protection
Metro Payment Technologies offers chargeback protection services to help businesses mitigate the risks associated with chargebacks. These services include monitoring and management tools to identify and prevent chargebacks.
Customer Reviews & Sentiment
Clean Complaint Record
As of this update, we are unable to locate any Metro Payment Technologies reviews that accuse the company of being a scam or a ripoff. In fact, we are unable to find any complaints at all about the company on this or other consumer protection websites. This may be attributable to Metro’s apparent use of sub-ISOs to sell its services, which could scatter complaints across several smaller entities, or it could be a product of the company’s affiliation with First Data (Fiserv), which may funnel Metro complaints to the larger company’s online profiles. If you have your own Metro Payment Technologies review to make, please do so in the comments below.
Metro Payment Technologies Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Metro Payment Technologies. 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 Payment Technologies Customer Support Options
Metro’s website advertises a 24/7 technical support team along with dedicated account managers who work with clients one-on-one. This level of support represents a good reason for the absence of complaints about the credit card processor and compares the company favorably to top processors for customer service. We see good reason to award the company an “A” rating in this category.
Industry Scores & User Ratings
Online Ratings Summary
PaymentPop
5
BBB Rating
N/A
Google Maps
4.9
Average Rating
4.95
PaymentPop Rating for Metro Payment Technologies
Negative Feedback
There are no negative reviews published about Metro Payment Technologies on the PaymentPop website.
Positive Feedback
We switched to Metro Payment Technologies after dealing with months of delays from our previous provider. The difference was immediate setup was fast, and their support team is easy to reach. Payments have been reliable, and the reporting tools are simple to use.
Metro Payment Technologies
Metro Payment Technologies has been an accredited business of the Better Business Bureau since 2014 and currently maintains an “A+” grade. The company has had 0 complaints in the past 36 months. Metro Merchant Services has also received no informal reviews.
An “A” Performance
Given the company’s clean complaint record, we agree with the BBB’s grade. Readers should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
Google Maps Rating for Metro Payment Technologies
Metro Payment Technologies has a 4.9 out of 5 star rating based on 16 user reviews on Google Maps.
Positive Feedback
The Service Specialists at Metro Payment Technologies have always been extremely helpful, knowledgeable, professional, and handle everything on a timely basis. In the business world of 2024, these qualities are [unfortunately] rare and getting rarer as time goes on. It just makes us all appreciate this firm all the more. I cannot say enough good things about Metro Payment Technologies.
Negative Feedback
There are no negative reviews published about Metro Payment Technologies on Google Maps.
Processing Rates & Fees
Understanding Metro Payment Technologies’ Contract Structure
Metro Payment Technologies operates as an Independent Sales Organization (ISO) of First Data (Fiserv), suggesting that its contract terms and pricing may mirror those offered by First Data (Fiserv). Typically, First Data (Fiserv) contracts include multi-year agreements with a $495 early termination fee, a monthly PCI compliance fee of $19.95, and tiered pricing. These standard contracts often include non-cancellable, long-term equipment leases facilitated by First Data Global Leasing.
However, as an ISO, Metro Payment Technologies has the capability to modify these standard terms to better fit the specific needs of its clients based on their business size, type, and processing history. While detailed information about Metro Payment Technologies’ specific rates and fees is not publicly disclosed, businesses interested in their services should consider First Data (Fiserv)’s terms as a baseline for what might be expected.
E-commerce Solutions and Pricing
Metro Payment Technologies provides e-commerce solutions, including access to virtual terminals and payment gateways. While the company promotes these services on its website, specific pricing details, including gateway fees and technical support charges, are not publicly listed. Businesses considering Metro for e-commerce processing should inquire directly about these additional rates and fees to fully understand their potential costs.
Client Feedback and Contract Satisfaction
There is a noticeable lack of public complaints regarding Metro Payment Technologies’ contract terms, suggesting a general satisfaction among its client base. This absence of negative feedback may imply that Metro Payment Technologies’ contracts are reasonably fair and possibly competitive with some of the market’s most affordable merchant accounts. Nevertheless, merchants are encouraged to perform thorough due diligence, including a review of all contract terms and fees, before entering into an agreement.
Merchants seeking favorable payment processing options are invited to explore our recommendations for the best merchant accounts. Your insights and experiences with Metro Payment Technologies or any other payment processor are valuable; please consider sharing them in the comments section to assist others in their decision-making process.
Discover Metro Payment Technologies’ e-commerce solutions, including payment gateways and virtual terminals.
Employee Reviews & Sales Practices
Independent Sales Agents
Metro Payment Technologies appears to rely on a referral program and partnerships with ISOs and independent agents (which it refers to as “franchises”) to market its services. Generally speaking, this practice can result in an elevated complaint rate among clients, as independent sales entities are difficult for any company to monitor and regulate. In this case, however, we are unable to locate any negative Metro Payment Technologies reviews that mention the company’s sales team.
Fee Buster Program
Metro’s homepage currently promotes its “Fee Buster Program,” which advertises 100% fee savings on credit card processing with a monthly participation fee of under $50. Clients who participate in the program pay one monthly flat fee to accept credit cards. The program gives customers a discount for paying in cash and a separate credit price for those who don’t.
No Deceptive Advertising
In addition, the company does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that Metro Merchant Services is charging you hidden fees, we recommend a third-party statement audit to eliminate undisclosed charges.
Metro Payment Technologies Competitors
Compare Metro Payment Technologies to competitors that earned top marks.
According to our rating system, Metro Payment Technologies is a reliable credit card processing provider. The company has almost no complaints across consumer protection websites, suggesting that it maintains a generally positive reputation. However, its partnership with First Data (Fiserv) could mean that its standard contract terms may not be particularly competitive, potentially reflecting the less favorable pricing commonly associated with First Data partnerships.
Readers may want to explore top-rated merchant account providers as an alternative to ensure they receive the most advantageous terms and pricing. Metro Payment Technologies’ overall rating may change as more information about its services becomes available, so continued diligence in researching its offerings is advised.
