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Formerly known as MiCamp Merchant Services, MiCamp Solutions is a merchant account provider based in Phoenix, Arizona. Founded in 2007, the company is an ISO of First Data (now Fiserv). MiCamp claims to serve over 15,000 standard-risk to high-risk merchants and to process over $2 billion annually. In addition to conventional pricing, MiCamp also offers merchants fixed-rate pricing through its monthly program WAVit. The company also hosts its proprietary POS software on Clover and Poynt systems. It appears MiCamp Solutions also operates under the name Data One Merchant Services. Data One Merchant Services lists its headquarters in Palm Beach Gardens, Florida, and has few public complaints at this time.
In 2021, MiCamp acquired American Bank Payments, and in 2022 they added Express Payment Solutions. REPAY became the clearing and settlement processor for MiCamp in 2023.
MiCamp Solutions Payment Processing
MiCamp Solutions processes credit card and debit card payments for most business types, including standard and high-risk businesses. They offer terminals, virtual payment portals, and their proprietary payment system WAVit. WAVit claims to offer one price for credit card purchases and a lower price for debit and cash, while also claiming to only charge the client a flat credit card processing fee with no added percentage. Business owners should look closely at their contract when using WAVit, however, as this kind of pricing is determined by the average amount a business processes in a month and so will vary from business to business.
MiCamp Solutions offers a range of point-of-sale (POS) systems to meet the needs of different business types. These systems come equipped with essential features such as inventory management, customer data tracking, and integration with accounting software, making it easier for businesses to manage their daily operations.
E-Commerce Payment Gateway
The company provides an e-commerce payment gateway that enables businesses to accept online payments securely. MiCamp Solutions’ gateway is designed to integrate with popular e-commerce platforms and shopping carts, streamlining the payment process for both merchants and their customers.
Mobile Payment Solutions
MiCamp Solutions offers mobile payment processing capabilities, allowing businesses to accept payments using smartphones or tablets. This service is particularly useful for businesses operating in non-traditional settings or those looking to enhance the customer experience by offering additional payment options.
MiCamp Solutions’ virtual terminal service allows businesses to process credit card payments securely over the phone or by mail. This feature enables merchants to handle transactions remotely, providing a practical solution for businesses without physical card readers or those needing an alternative payment method.
Security and Fraud Prevention
The company places a strong emphasis on security and fraud prevention in its payment processing services. By adhering to industry standards such as PCI compliance and implementing advanced security measures, MiCamp Solutions works to protect sensitive data and minimize fraud risks during transactions.
Location & Ownership
MiCamp Solutions is a registered ISO/MSP of MetaBank, Sioux Falls, SD; and Wells Fargo Bank, N.A., Walnut Creek, California, with headquarters at 4021 North 75th Street, Suite 101, Scottsdale, Arizona 85251. Micah Kinsler is the president and Michael Infante is listed as CEO of MiCamp Solutions.
Table of Contents
- Costs & Contract: Offers a multi-year contract with…
- Complaints & Service: Complaints number more than…
- BBB Rating: Has an “A+” rating and has received 10 complaints and 12 reviews in the last 3 years. The company has been…
- Sales & Marketing: Hires independent sales representatives and has received…
MiCamp Solutions Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
Low-to-Moderate Complaint Total
We have located approximately 20 negative MiCamp Solutions reviews across several consumer protection websites. Common MiCamp Solutions complaints include difficulty canceling service, nondisclosure or misrepresentation of rates, and poor customer service. MiCamp is also showing a decent number of positive testimonials about its customer service on these same websites, indicating that a good portion of its clients are satisfied with the service they receive. If you have your own MiCamp Solutions review to make, please do so in the comments below.
MiCamp Solutions Lawsuits and Fines
It appears that MiCamp was sued in late 2020 in a case that is still ongoing as of this review, but there is no public information on the content of the case. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
MiCamp Solutions Customer Support Options
Given this balance between positive and negative reviews, we have awarded the company a “B” in this category. MiCamp provides a direct phone line for customer support on its website.
MiCamp Solutions Customer Service Numbers
- (800) 583-0135 – Toll-Free Customer Support
- (800) 396-0246 – Corporate Office
- (480) 550-8440 – Newport Office
- (480) 304-5031 – WAVit Support/Cash Discounts
- (480) 630-8507 – ISV Solutions
- (480) 409-1109 – Mergers and Acquisitions
Other Support Options
- Customer support form
- Customer service email addresses:
- [email protected] – General Support
- [email protected] – Newport Office
- [email protected] – WAVit/Cash Discounts
- [email protected] – MiCamp Cares/New ISO/Agents
- [email protected] – ISV Solutions
- [email protected] – Mergers and Acquisitions
As of this update, the company’s customer support team falls short of our list of the top-rated payment processors for great customer service.
MiCamp Solutions BBB Rating and Report
Our Better Business Bureau Profile Assessment
MiCamp Solutions currently maintains an “A+” rating with the Better Business Bureau and has been accredited since 2010. The company is showing 10 complaints filed in the past 36 months.
What Merchants Say
MiCamp also has a total of 12 informal reviews filed with the BBB, with 10 of them positive and 2 of them negative. The most recent negative review describes equipment issues, poor support, and heavy cancellation fees:
Poor Customer Service and tech support. We had them as a preferred servicer for a new practice management system. Their equipment constantly lost connection to our network even after we made the upgrades they requested. We opened a new office and moved the equipment and account there. Their tech support tried to reprogram the machine three times but were never able to get the equipment working. We paid our monthly service fee for 10 months without being able to use their service and they still charged me $350 for cancelling before the 3 year agreement.
Clients who find themselves in this situation may obtain some relief by taking steps to cancel their accounts without paying a fee.
An “A” Performance
In light of the company’s low complaint total and resolution ratio, we agree with the BBB’s rating of an “A.”
MiCamp Solutions Fees and Rates
A Closer Look at the Contract
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Monthly & Annual Fees
The standard MiCamp Solutions Contract is a multiyear agreement through First Data (Fiserv) with an annual PCI compliance fee of $99, a monthly minimum fee of $20, and a monthly statement fee of $10. We have seen complaints from clients that mention an early termination fee ranging from $250 to $400, but a company representative has informed us that MiCamp only enforces a cancellation fee when it pays a business’ termination fee with a previous provider or when it offers free equipment upon signup. The same representative has stated that over 85% of MiCamp’s merchants are on interchange-plus pricing.
The company’s merchant agreement also details an equipment lease through First Data Global Leasing. The terms of these lease agreements result in payments that exceed the value of equipment resulting in merchants paying $1,000 or more for terminals that can be purchased for $500 or less.
WAVIt Fixed Fee Pricing
Alternatively, clients can choose to enroll in WAVit. This pricing model allows businesses to charge a fixed rate to in-store, online, and card-not-present transactions. The fixed MiCamp Solutions rate is determined by an analysis of the company’s monthly sales volumes, among other factors. This plan includes a five-year fixed rate guarantee that ensures the consistency of rates each month. MiCamp Solutions’ website states that this pricing model is available to clients charging anywhere from $5,000 to $5 million a month.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, MiCamp Processing 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.
Overall, we have found a low-to-moderate complaint volume about the MiCamp Solutions rates and contract terms, specifically with regard to unexpected fees. This suggests a middle-of-the-road performance, especially compared to the most budget-friendly merchant accounts in the industry. We also encourage business owners to check out our list of the providers of the best merchant accounts.
MiCamp Solutions Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
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Uses Independent Resellers
Discloses All Important Terms
Inside/Outside Sales Team
MiCamp Solutions appears to utilize telemarketing, inside sales reps, strategic partnerships, referral partnerships, and independent sales offices to market its services. A company representative has stated that MiCamp is currently working to grow its inside sales channels in order to have more control over sales tactics and pricing. Despite this, we have located a moderate number of negative MiCamp Solutions reviews that cite nondisclosure and misrepresentation of rates and fees by the company’s telephone and in-person sales reps. This does not compare favorably to our list of best credit card processors.
No Deceptive Quotes
The MiCamp complaint total has slightly lowered its rating to a “B” in this category. To its credit, however, the company does not appear to engage in deceptive rate quoting in its official materials. If you suspect that MiCamp has added a hidden markup to your monthly statement, you can double-check it with a third-party statement audit.
MiCamp Solutions Review Summary
Our Final Thoughts and Opinions
MiCamp Solutions rates as an average credit card processing provider according to our rating system. The company is showing a moderate number of complaints for its size and time in business, and its contract terms are slightly more competitive than industry averages. The company can improve its overall rating by reducing the costs of its service and minimizing the number of complaints associated with its sales team. Business owners are encouraged to compare MiCamp’s pricing and services to those offered by top-rated merchant account providers.
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