MSH Merchant Services Review

MSH Merchant Services Overview

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Updated 10/9/2019: The MSH Merchant Services website appears to be “under construction.” We will hold off on updating this review until the site becomes active. 

Based in Ohio

MSH Merchant Services is a merchant account provider for retail merchants, business-to-business, hospitality, mail/telephone order and petroleum. MSH works in association with Petroleum Card Services and is a distributor for WRG Services Inc. The company’s corporate address is located at 9545 Midwest Ave. Unit P, Garfield Hts., Ohio 44125. MSH is a registered ISO/MSP of Wells Fargo Bank, Walnut Creek, California, distributor for WRG Services, Inc, and is a registered ISO of Palm Desert National Bank. Bruce Epstein is listed as the president of MSH Merchant Services.

Key Points

  • Sales & Marketing: MSH Merchant Services does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Costs & Contract: MSH Merchant Services appears to offer contract terms that vary according to each merchant’s business type and processing history.
  • Complaints & Service: MSH Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: MSH Merchant Services has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Rates & Fees: How Merchants Got The Best Rates With MSH Merchant Services

MSH Merchant Services Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • B2B
  • Hospitality
  • MOTO
  • Petroleum

Response from MSH Merchant Services

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MSH Merchant Services Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Unclear Pricing and Sparse Information Overall

There is very little publicly available information about the standard MSH Merchant Services contract. The company’s website does not advertise any specific terms, and although it’s likely that MSH relies on a larger processor for its processing network, it’s currently unclear which processor that might be. There are no complaints online that mention MSH’s contract terms, so it’s probable that most of the company’s clients are satisfied with their agreements.

In the absence of any real information, we are awarding MSH an “A” in this category. If you have any knowledge of the standard MSH contract, please leave that information in the comment section of this review.

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Response from MSH Merchant Services

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MSH Merchant Services Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Complaints to Date

We are currently unable to locate any MSH Merchant Services complaints that accuse the company of being a scam or ripoff. In fact, there appear to be 0 MSH Merchant Services reviews across all consumer protection websites. This seems to indicate that the customer support offered by MSH is responsive and capable, but it is also possible that the company’s processor receives the bulk of its complaints.

MSH Merchant Services Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against MSH Merchant Services. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

MSH Merchant Services Customer Support Options

At the time it was last active, the MSH Merchant Services website listed a phone number, but it is unclear whether this is a dedicated customer support line. This lack of support options is a far cry from providers who offer great customer service.

Though the company’s customer support could improve, in the absence of any complaints about this company, we are awarding MSH Merchant Services an “A” rating in this category.

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Response from MSH Merchant Services

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MSH Merchant Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No Complaints Filed with the BBB

The company is not an accredited business of the Better Business Bureau and currently maintains an “A+” grade at this time of review. Within the last 36 months, 0 complaints have been filed on the BBB. At the time of our last review, an affiliated company of MSH, WRG Services, had its own BBB profile with 3 complaints showing. WRG Services was at some point acquired by Payment Alliance International, which means that MSH may also be partnered with Payment Alliance International in some way. This potential relationship is unclear at this time, and we will not factor it into our rating for MSH Merchant Services.

An “A” Overall

Given the company’s low complaints total, we are inclined to agree with the BBB’s rating and award MSH Merchant Services an “A” in this category.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Unknown
Advertises Deceptive Rates No
Discloses All Important Terms No

Company Sales Approach

MSH appears to market itself primarily through its website, and it is currently unclear whether the company employs independent sales agents to market its services. The company’s website seems to claim that it partners with ISOs and MSPs, but the language isn’t quite intelligible enough to verify this. We are currently unable to locate any negative MSH Merchant Services reviews that mention the sales team, so it appears as though the company’s agents generally do a good job of disclosing and describing contract terms. The company also does not appear to engage in any deceptive advertising tactics in its official materials.

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Response from MSH Merchant Services

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Our Opinion of MSH Merchant Services

Despite a lack of clear information about the company, MSH Merchant Services rates as an above average merchant services provider by our standards. The company is showing no complaints, which leads us to score it well by default. Merchants are advised to bear in mind that this high rating was assigned in response to the absence of incriminating evidence rather than the presence of positive information.

We rely on your feedback about MSH Merchant Services to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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