MiCamp Solutions Merchant Services 2023: Reviews & Complaints

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MiCamp Solutions
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MiCamp Solutions

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PhonePhone(800) 396-0246 View Pricing

Company Overview

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.

Point-of-Sale Systems

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.

Virtual Terminal

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

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MiCamp Solutions Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Hidden Fees
Recent Lawsuits

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

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

BBB Summary

BBB Reports

10 Complaints

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.”

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MiCamp Solutions Fees and Rates

A Closer Look at the Contract

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Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Multi-Year Contract

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.

Industry-Average Pricing

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

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Uses Independent Resellers
Misleading Marketing
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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MiCamp Solutions Competitors

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Customer & Employee Reviews

What Others Are Saying About MiCamp Solutions

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13 Responses




  • Vincent Loban

    Stellar Brands LLC

    Even after 8 1/2 months, I have still not received the legitimate release of the Reserve Account funds totaling just under $13,000 from MiCamp. I complained to Fiserv who subsequently sent me a letter to confirm the funds were released to MiCamp, even a 2nd time just last June 7th, 2022, and yet MiCamp won’t release these funds to me. I filled a complaint with the BBB and will also with the FTC, I have sent various emails to MiCamp with no response and zero customer service. Fiserv originally responded because I sent a Demand Letter from an attorney whom I hired. My next step is filing a lawsuit against this company for the return of the funds, back interest due, attorney fees and damages. This experience with MiCamp has been a disaster and I strongly encourage anyone considering this company not to do business with them.

  • Nikki Balich

    MiCamp Solutions

    Phillip – we have no clue who these men are…if you supply the last name I would be happy to look into this information.

  • Richard Velazque

    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.

    • Diana N Balich

      MiCamp Solutions

      Phillip Parker have you contacted Richard Velazque to find out the actual story was regarding the initial review? Your posted review is incorrect, old and should be taken down. Here is what Richard conveyed to our team:

      Richard Velazque reached out to our MiCamp Retention Team and gave us 4 Stars.:

      Unfortunately BBB does not seem to have a process for updating reviews, they only seem to update complaints. When I could not update the review I emailed the BBB asking for an update to be made. I assumed it had been done. It has not been updated… so today I posted a second review and submitted it. Hopefully that process will catch someone’s attention and get the review updated.

  • Kathy Whorley

    They are thieves and employ their own collections department.

    • Nikki Balich

      MiCamp Solutions

      This complaint is unfounded and should be removed. This is an account we inherited when we acquired emerchant authority. MiCamp Solutions did not create Kathy Worley’s issues. Acquisitions have some risk of inheriting accounts such as this, totally out of our control and not how we conduct business.


    I opened a new account with MiCamp this year but will not credit our account, as far as I am concerned they have stolen $75,000.00 from my company. I cannot get anyone to call me. We opened a new merchant account this February. Everything was fine at first, we got a few deposits, no problems. That’s why they got us, they stopped abruptly on 5/13 and we were unable to refund customers which caused chargebacks and they had the nerve to hold all of our money!!! Our merchant ID is 536927230402091, we are also referred to as ‘The Merchant’ constantly, or by our merchant ID, all of which is dehumanizing and very rude. It has been over six months and they won’t release our money that is being held.

    Mandi our Merchant Services Rep nor Micamp They won’t tell us how much they are holding, they refuse to provide any visibility into what they are doing with our money and they have had so many people that I have lost count interject in email threads at MiCamp, nobody tells us anything!!!!!! I have been trying to resolve this issue now for many months and they ignore every email sent and our ISO Micamp Merchant Services claims First Data Merchant Services is the only organization that has any control over this account. They are messing with my money, which I have not sent over 50 times and still cannot get someone to call me back, it is outrageous. Today is 9/15, we are speaking with our lawyer tomorrow afternoon. This company is a den of thieves. I’m going to go to the media, CNN, FOX NEWS, ABC, all of the places., also on social media and I hope MICAMP and First Data are out of business soon enough.

    I want my money and I want the deposits made as the contract states and I need that done NOW!!!!!!!!

    This post will help: How to Make Your Payment Processor Release Your Money

    • Nikki Balich

      MiCamp Solutions

      Phillip Parker – I would suggest to take this down as it is proven lie.

      Larby’s account was held up by risk. He had a significant amount of chargebacks. Larby Amirouche took all of his reviews down because his issues were not related or caused by MiCamp Solutions. Since then, Mr. Amirouche was charged Larby Amirouche with conspiracy to commit bank and wire fraud, bank fraud, making false statements to banks and conspiracy to commit money laundering. These charges are brought in connection with a series of internet marketing schemes that utilized internet e-commerce websites to defraud consumers and financial institutions.

  • Kelly Engelhardt

    I have found them to be very unprofessional the insist on trying to charge fees for services I have not been receiving in months. They do not tell you this when you first speak to them. They are very deceptive in their customer service and the people who handle the contracting are always busy and inaccessible. I would characterize them as scammers.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

    • Nikki Balich

      MiCamp Solutions

      Kelly Engelhardt had a merchant account with us for years under the name Synergy Home Care. Based on what I can see she did not notify us that the account was not being used to process payments for some months after she had stopped processing on it. The account has been closed since 2018.

  • Brendan

    BEWARE!! As a new business I was originally called by these people saying that they could help me accept cards through on of their subsidiaries MiCamp. We agreed to a set amount each month plus the percentage from the cards that I processed. I told them I was a new business and that I didn’t process cards but rarely if at all. However they said it would only be $5 per month and then the percentages. I figured this wasn’t so bad until they kept taking $30 out of my account every month. I finally had to put a stop payment on my account in order to keep them from withdrawing from my bank account. Months later I got a letter in the mail saying I owed them eight hundred and some change. I gave them a call and Mary Betzold was busy so they said she would give me a call back. I agreed and next thing I knew I never got a call back except from a collection agency. I would’ve been happy to settle up with them but they didn’t give me a call back for some time and then sent me strait to collections. All for a company that I never used. I feel tricked but it sounds like they do it a lot to all the small business guys. TONS OF HIDDEN FEES… I would steer wayy clear of this company.

    • Steve

      I get a monthly fee of about average $21 a month along with another variable fee per month average around $200. I also get charged directly from some of the payments/ credits to my account. The fees are so vague to me. I was told I’d be charged a monthly fee of 14 to 20 dollars each month that is the only steady fee and a consistent one. I hate the way I’ve been getting charged by this company. One month I received 2 debits as a fee totaling over $500 dollars. I’d also steer clear of MiCamp.
      I’ll post a review of the customer service call to see if they can clearly explain the fees.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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