Process Pink Payments Review


Process Pink Payments ( is a merchant account provider headquartered in Miami Beach, Florida, that may also go by the name “Money Movers of America.” The company claims to be owned by an entity known as TOT Group, Inc., but it appears to rely on Cynergy Data for its processing network. It also shares an address with Unified Payments and may be a subsidiary or DBA of that company. Founded in 2008, the company states that a portion of every transaction processed by Process Pink Payments is donated to the National Breast Cancer Foundation. Process Pink Payments is a registered ISO/MSP of BMO Harris Bank, N.A., in Chicago, Illinois, and its corporate headquarters is located at 3363 NE 163rd Street, Suite 705, North Miami Beach, Florida 33160. Tim Greenfield is the president of payment processing at Process Pink Payments.

Key Points

  • Sales & Marketing: Process Pink Payments appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • Costs & Contract: Process Pink Payments offers a three-year contract through Cynergy Data with an early termination fee of $495.
  • Complaints & Service: Process Pink Payments has received fewer than 10 public complaints.
  • BBB Rating: Process Pink Payments has an “A+” rating with the Better Business Bureau and has received eight complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Process Pink Payments

Process Pink Payments Products and Services


  • Retail
  • E-commerce
  • Lodging
  • Petroleum
  • Grocery

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Sales & Marketing

Key Points - Sales & Marketing

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

Process Pink Payments appears to partner with ISOs and independent sales agents to market its services. This practice is usually linked to elevated merchant complaints, but we are currently unable to locate any Process Pink Payments reviews that describe nondisclosure of terms and misrepresentation of rates. This indicates that the company exercises a greater-than-average degree of control over its independent sales reps. As an additional point in its favor, Process Pink does not appear to engage in any deceptive advertising strategies in its official materials.

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Process Pink Payments Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $495
PCI Compliance Fee Variable
Equipment Lease Terms Variable

The standard Process Pink Payments contract (available below) outlines a three-year agreement through Cynergy Data with an early termination fee of $495 and the potential for various other fees, including monthly minimum fees, annual fees, PCI compliance fees, statement fees, and government compliance fees. These terms are consistent with most reports of Cynergy Data’s contracts and are generally less competitive than industry averages. It is very likely that Process Pink sales agents have the authority to alter some of these provisions as they deem necessary, and the total absence of complaints about the company’s terms indicates that most of its clients are satisfied with their service. Additionally, the company’s donation of a portion of its earnings to breast cancer research may hold some appeal for merchants. However, based on the company’s three-year agreement and large early termination fee alone, we are inclined to give it a “B” in this section for the time being. See the Process Pink Merchant Agreement.

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Complaints & Service

Key Points - Complaints & Service

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

We are currently unable to locate any Process Pink Payments complaints that accuse the company of being a ripoff or a scam. The company’s lone complaint, found in the comment section of this review, cites difficulty cancelling the service. This appears to be an isolated incident. The company’s lack of other complaints indicates that it offers quality service and provides its merchants with access to helpful customer support channels. Process Pink Payments may outsource its customer service to the larger entities that own it, or it may service accounts directly. Its website lists dedicated phone support lines for merchants, and the general absence of complaints about the company indicate that this system does an effective job of resolving complaints in-house.

Response from Process Pink Payments

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Key Points - BBB

Product & Service Complaints 4
Billing & Collection Complaints 3
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

At the time of our original review, Process Pink Payments had its own Better Business Bureau profile and was showing an “F” rating based on two complaints. Since then, however, the BBB has moved complaints about Process Pink Payments to a profile for Unified Payments. Unified Payments has been accredited with the BBB since September 2017 and currently has an “A+” rating. The company has received eight complaints in the past 36 months, with four related to product or service issues, three due to a billing or collection dispute, and one having to do with advertising or sales. Three of the complaints have been successfully resolved with BBB assistance, while the remaining five either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. In light of the company’s complaint total and resolution ratio, we agree with the BBB’s rating for the purposes of this review.

Response from Process Pink Payments

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Process Pink Payments Logo

Process Pink Payments Bottom Line

Process Pink Payments rates as a reliable merchant services provider according to our rating system. The company is showing only 10 or so complaints across all consumer protection websites at this time, but little is known about its contract terms. Process Pink’s commitment to supporting breast cancer research may be an attractive feature for many merchants.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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3 Reviews Leave Your Review Below

  1. Avoid this company!!

    Despite the fact that we have been trying to cancel service with them since June 2013, they are still charging us monthly fees and PCI compliance fees. We have called, e-mailed, and faxed.

    They still charge us.

    Our next step is to report them to the FL attorney general.

  2. I have owned several businesses over a thirty year period, and I was never satisfied with any of the credit card processing companies that I worked with until I came across Process Pink. I was initially attracted to them because of their significant support of breast cancer research. To my surprise and pleasure, I am saving significant money and getting better service than I ever did before.

    1. Hi Jeff,

      Please reply to this comment with your business name and location in order to verify your testimonial. Thanks!

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