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MiCamp Solutions Merchant Services 2023: Reviews & Complaints
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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. 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.
Before we dive in, here’s a short summary of what we’ll cover:
- MiCamp Solutions’ various payment processing services.
- MiCamp has received a handful of complaints online, including some recently. Complaints mention fund-holds, excessive fees, and poor customer service.
- The MiCamp contract is through Fiserv and contains some expensive terms and fees.
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.
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.
WAVit is a processing solution provided by MiCamp, offering a specific type of payment processing service. Details about this service are not explicitly mentioned in the provided content, but it is listed as one of their solutions.
ISV Developer Options
MiCamp Solutions provides options for Independent Software Vendors (ISVs), offering developer-focused solutions. These solutions are likely tailored to integrate payment processing capabilities into various software applications.
Location & Ownership
MiCamp Solutions is a registered ISO/MSP of Merrick Bank, South Jordan, UT, North American Banking Company, Roseville, MN, Pathward Bank (Meta), N.A., Sioux Falls, SD and Wells Fargo Bank, N.A., Concord, CA. High-risk merchant services are provided through Esquire, Evolve, and Metropolitan., 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
MiCamp Solutions Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||20+|
|Live Customer Support||Yes|
|Most Common Complaint||Hidden Fees|
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:
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 Online Ratings
Here's How They Rate Online
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 13 informal reviews filed with the BBB, with 10 of them positive and 2 of them negative. The most recent negative review describes held funds and poor customer service:
DO NOT sign onto Micamp Solutions unless you want to hear ********. There are many competitors who treat their customers with respect and collaborative results. This company is ONLY interested in one thing- holding monies owed. They are OBSESSED with worry about chargebacks for starters, even when the customer has no history of such!Customer ********************** is the frontline to act as though they care- but don’t be fooled. You will be given promises that are scheduled but not witheld. The lack of trust they show mirrors the lack of trust you’ll have for them.The *************** “whatever” **** tells you one thing but does another, then claims that he never said what he did; that he denies ever having said what was originally told and does not work collaboratively to arrive at a fair, honest and amicable solution.Don’t be fooled. There is NO “Solution” to MiCamp. Stay Away!
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, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
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 clients 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 Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||Yes|
|Discloses All Important Terms||No|
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.
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