Radiant Merchant Services Review

Radiant Merchant Services Overview

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UPDATE 4/10/2019: The Radiant Merchant Services website is currently inaccessible, and we are unable to verify that the site has been active within the past six months. Jeremy Fox is still listed as the principal owner of Radiant, so it is possible that the company is still active under another name. For now, we will not update this review until the company’s website returns. If you have any information about the current status of Radiant Merchant Services, please share that information in the comment section below this review.

Founded in 2017

Radiant Merchant Services (radiantmerchantservices.com) is a merchant account provider that appears to have been created in 2017. It was registered with the Nevada Secretary of State in January 2017, but its business license is listed as having expired in January 2018. Its website also appeared for the first time in late 2017, suggesting that the brand was launched around that time.

Possible DBA of Prodigy Fulfillment Center

According to a complaint on our i3 Verticals review, Radiant Merchant Services previously did business under the name “Prodigy Fulfillment Center, Inc.” This claim is supported by the fact that Jeremy Fox is listed in public profiles as both the owner of Radiant Merchant Services and the president of Prodigy Fulfillment Center. Prodigy Fulfillment Center’s website is no longer active, but the company has had its own Better Business Bureau profile for three years.

A Nuvei Reseller

Radiant Merchant Services is primarily a reseller of Pivotal Payments (recently rebranded as “Nuvei”) contracts, but its website also displays the logos of North American Bancard, First Data, Clover, and Poynt. Nuvei is a registered ISO of Wells Fargo Bank, N.A., Concord, California; Wells Fargo Bank, N.A Canadian Branch, Toronto, Ontario, Canada; Esquire Bank, Jericho, Westamerica Bank, Santa Rosa, California; and Elavon. Radiant Merchant Services lists its headquarters at 871 Coronado Street Suite #200, Henderson, Nevada 89052, but its registration with the state of Nevada also lists the address that it shares with Prodigy Fulfillment Center at 2213 N Green Valley Pkwy, Henderson, Nevada 89014. Jeremy Fox is the owner of Radiant Merchant Services.

Radiant Merchant Services Review Table of Contents

  • Costs & Contract: Radiant Merchant Services appears to offer a month-to-month contract through Pivotal Payments with interchange-plus pricing and no early termination fees.
  • Complaints & Service: Radiant Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: Radiant Merchant Services currently does not have a rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Sales & Marketing: Radiant Merchant Services hires independent sales agents and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Radiant Merchant Services

Radiant Merchant Services Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Petroleum

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Radiant Merchant Services Rates, Fees, and Costs

Key Points

Swiped Rate Variable
Keyed-In Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

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 therefore encourage merchants to review all documentation before signing up through the company. See the Radiant Merchant Services merchant application.

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Response from Radiant Merchant Services

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Radiant Merchant Services Complaints & Customer Reviews

Key Points

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

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, although three public complaints in only a year of business is not an especially desirable pace.

Radiant Merchant Services Customer Support

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.

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Response from Radiant Merchant Services

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Radiant 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 BBB Complaints

The Better Business Bureau does not maintain a profile for Radiant Merchant Services, but it does have an outdated profile for Prodigy Fulfillment Center. Prodigy Fulfillment Center currently does not have a rating with the BBB and is not BBB-accredited. The company has not received any complaints or informal reviews in the past three years.

No Rating Assigned

We agree with the BBB’s decision to withhold a rating at this time because it seems that the BBB does not have a clear grasp of the company’s current status. Merchants should still be aware that there are good reasons to be skeptical of any Radiant Merchant Services BBB profile that may be published.

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Response from Radiant Merchant Services

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Truth In Marketing & Advertising

Key Points

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

Inside and Outside Sales Agents

Radiant Merchant Services hires independent outside sales agents and in-house appointment setters to market its services. The use of independent sales agents is commonly linked to elevated complaint rates. In Radiant’s case, this practice appears to have generated the only three public complaints that mention the company. All three of these complaints describe deceptive sales tactics that are comparable to “slamming,” or misrepresenting your identity to trap agents in a second merchant account.

“Slamming” Allegation Details

The complaints that describe Radiant Merchant Services’s slamming-style tactics have all been posted to CPO and mention both Prodigy Fulfillment Center and Radiant Merchant Services. Excerpts are shown below:

So, for the record, I was contacted by Ross Small stating he was from i3 Verticals. The contract he sent me was from 123 Merchant Services. His email address was from iPaymentsnv.com. The ‘new’ lease company that was named in our new contract was from Ascentium Capital LLC. As far as I’m concerned, these business are all SCAMS and not to be trusted.

I am also in two contracts thanks to Ross Small.Anyone have any knowledge of these lease disputes.First with Prodigy Fulfillment,who now changed to RADIANT Merchant Services.

The third complaint is from a competitor of Radiant Merchant Services, who was replying to a complaint from a confused merchant:

Let me be clear, you switched away based on bogus information and I have the name and number of the gentlemen who was responsible. I have done everything I can in order to get in touch with him and let him know this was not a legitimate deal and now you want to go to the Vancouver and Portland Business Journals and spread the word about my bad work ethics to others?

I have every right to charge you the full cancellation amount of $795 based on the agreement if I chose to do so. Your recourse here should be with Radiant Merchant Services and Jeremy Fox who ultimately goes through Pivotal Payments, he is the responsible party who created this mess.

It isn’t proven that Radiant Merchant Services is practicing these tactics on a wide scale, but this is the only publicly documented experience that merchants have had through Radiant’s sales channels.

No Deceptive Quotes

To its credit, Radiant Merchant Services does not promote misleading rate quotes on its website or in its official materials. However, the consistency of its available complaints inclines us to award its sales team a “C” for now. If you suspect that you have had undisclosed fees added to your Radiant Merchant Services contract, we recommend seeking a third-party statement audit to eliminate hidden fees.

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Response from Radiant Merchant Services

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Radiant Merchant Services Logo

Our Opinion of Radiant Merchant Services

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 a 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.

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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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