Radiant Merchant Services Review: Fees, Complaints, & Lawsuits

Low Complaint Total

We have located only three negative Radiant Merchant Services reviews, none of which outright accuse the company of being a ripoff or a scam. Two of the complaints were generated when the company was operating under the Prodigy Fulfillment Center name. As noted above, all of these complaints are related to sales practices, specifically slamming-style tactics and undisclosed equipment leases. The company’s score has been lowered in this section due to the content of these complaints more so than their quantity.

Radiant Merchant Services Customer Service

Radiant Merchant Services does not offer dedicated customer support contact information on its website, so it stands to reason that Pivotal Payments handles most of the company’s customer support. The available evidence does not suggest that Radiant Merchant Services should qualify as a top-rated processor for customer service at this time.

No BBB Complaints

The Better Business Bureau gives Radiant Merchant Services a score of “A” on their profile for the company, which is not accredited with the BBB. The company has not received any complaints or informal reviews in the past 3 years.

An “A” Rating

Due to the lack of complaints on their profile, we agree with the BBB’s score of “A” at this time. Merchants should still be aware that there are good reasons to be skeptical of any Radiant Merchant Services BBB profile that may be published.

Conflicting Evidence

The standard Radiant Merchant Services contract through Pivotal Payments (available in part below) outlines a month-to-month agreement with a per-transaction rate of interchange plus 0.30% (interchange plus 0.40% for American Express), a $25 chargeback fee, and no mention of an early termination fee or long-term equipment lease. This is unexpected given the existing merchant complaints that describe undisclosed long-term equipment leases as well as job postings on the Radiant website that describe the ability to place merchants in long-term leases. This discrepancy may be due to independent sales agents modifying the company’s standard contract to increase their residuals.

No Pricing Complaints

None of the available complaints about Radiant Merchant Services mention specific rates or fees. It therefore appears possible that the company could offer contract terms that are competitive with the cheapest merchant accounts. However, the complaints we have found regarding the company’s sales practices suggest that some agents are pushing highly undesirable contract terms. We encourage merchants to review all documentation before signing up through the company. We also encourage merchants to check out our list of the providers of thebest merchant accounts.

See the Radiant Merchant Services merchant application.

An Average Rating Despite Negative Signs

Radiant Merchant Services rates as an average merchant services provider at this time according to our rating criteria. The company has received a low number of complaints, but the content of these complaints suggests that merchants should be extra cautious when interacting with Radiant Merchant Services sales representatives. The official documentation on the company’s website suggests that Radiant Merchant Services is capable of offering reasonable contract terms, which we would expect to see reflected in future merchant reviews. We will continue to monitor the company’s reputation to determine whether it will become one of the worst-rated providers or a worthy competitor to the top-rated providers.