Retriever Merchant Solutions Review

Retriever Merchant Solutions Overview

*Economic Slowdown Update: U.S. and Canadian businesses may qualify for refunds of certain credit card and debit card processing fees. Visit this page to find out if your business can benefit.

A Worldpay Reseller

Retriever Merchant Solutioms is a merchant account provider headquartered in Munster, Indiana. The company takes the Retriever portion of its name from a now-defunct ISO of National Processing Company (NPC) called Retriever Payment Systems. Founded in 1993, the original Retriever Payment Systems was purchased by Iron Triangle Payment Systems in 2006 and subsequently converted into a subsidiary of National Processing Company (NPC). Although the original Retriever Payment Systems is no longer active, there are multiple independent sales offices across the country that still use the Retriever name and logo. Retriever Merchant Solutions is one of these locations. A few of the other independent Retriever offices are listed below:

Retriever Merchant Solutions is not affiliated with any of the locations listed above, and it does not report to a larger corporate entity called Retriever Payment Systems, but rather is now a reseller of Worldpay (formerly Vantiv). This review will treat Retriever Merchant Solutions as independent of its former ownership. The company also advertises Poynt ad ShopKeep as POS solutions.

Company Location and Ownership

Retriever Merchant Solutions is a registered ISO/MSP of Fifth Third Bank and is headquartered at 9404 Margo Lane, Munster, Indiana. Brian Kamstra is listed as the president of Retriever Merchant Solutions.

Retriever Merchant Solutions Review Table of Contents

  • Costs & Contract: Retriever Merchant Solutions appears to offer a multiyear contract through Vantiv with an attached long-term equipment lease through Lease Finance Group.
  • Complaints & Service: Retriever Merchant Solutions has received more than 20 public complaints.
  • BBB Rating: Retriever Merchant Solutions has an “A+” rating and has received 18 complaints and 9 reviews in the past three years. The company has been accredited by the Better Business Bureau since 2013.
  • Sales & Marketing: Retriever Merchant Solutions appears to hire independently contracted sales agents and has received a moderate number of complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With Retriever Merchant Solutions
Are you a decision maker with Retriever Merchant Solutions? Claim this review.

Products & Services Offered

  • Debit and credit card processing
  • Online reporting
  • Gift and loyalty programs
  • Mobile processing
  • ACH processing
  • POS equipment

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • B2G
  • Non-profit

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Retriever Merchant Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 2.90% + $0.30
Keyed-in Rate 3.30% + $0.30
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $375
PCI Compliance Fee Up to $25 Per Month
Equipment Lease Cost $49.99 Per Month
Equipment Lease Terms 48 Months (locked)

Retriever Merchant Solutions Contract Terms

There is very little specific information available about the standard Retriever Merchant Solutions contract at this time. As a reseller of Worldpay, Typical Worldpay merchant agreement include rates of 2.90% plus $0.30 for swiped transactions and 3.30% plus $0.30 for those that are keyed-in. Those agreements include an early termination fee of up to $295, a PCI compliance fee of $15 to $25 per month, monthly minimum fees, annual fees, and other associated fees. These fees can vary depending on the sales agent setting up the account and a merchant’s size, business type, and time in business, but we have seen multiple reports of a $375 early termination fee. Merchants are encouraged to negotiate contract terms to aim for rates that are competitive with cheap merchant account providers.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Retriever Merchant Solutions also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Non-Cancellable Equipment Leases

Nearly all of the merchant complaints about Retriever’s contract terms are related to the equipment leases sold by the company’s agents. Retriever itself does not lease the equipment in these cases, but instead signs merchants up for non-cancellable four-year leases through Lease Finance Group. Complainants are reporting monthly lease fees of up to $49.99, which will far exceed the purchase price of the equipment over a full four-year term (note: most credit card terminals can be purchased outright for under $300). Merchants who wish to cancel these lease agreements will be forced to pay out the remaining months of the lease in one lump sum. For this reason, merchants are encouraged to purchase equipment whenever possible and to inquire about the company supplying any equipment leases through Retriever.

Are you happy with your Retriever Merchant Solutions fees? Tell us about them before your go!

Response from Retriever Merchant Solutions

Are you a representative of Retriever Merchant Solutions? Add your voice to this section for free!

Retriever Merchant Solutions Complaints & Customer Reviews

Key Points

Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint Non-Cancellable Lease

Moderate Complaint Total

We are currently able to locate more than 20 negative Retriever Merchant Solutions reviews, and some of these accuse the company of being a scam or a ripoff. There are over 50 complaints posted beneath our overall review of Retriever Payment Systems, but not all of these complaints specifically mention the South Holland/Munster office. Common themes among complaints specifically directed at Retriever Merchant Solutions include higher-than-advertised fees, undisclosed contract terms, difficulty cancelling service, and expensive equipment leases.

Retriever Merchant Solutions Support Options

Complaints filed against the credit card processor have seen a notable increase since our last update of this review, and this trend inclines us to give the company a “C” in this category. Retriever Merchant Solutions provides live phone support to its merchants, but this support channel is not enough to qualify it as a top-rated merchant account provider for customer service.

Do you have a complaint or testimonial about Retriever Merchant Solutions? Make your voice heard before you go!

Response from Retriever Merchant Solutions

Are you a representative of Retriever Merchant Solutions? Add your voice to this section for free!

Retriever Merchant Solutions BBB Rating Summary

Key Points - BBB

Product & Service Complaints 3
Billing & Collection Complaints 2
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Under 10 BBB Complaints

Retriever Merchant Solutions has been accredited with the Better Business Bureau since 2018 and is currently showing an “A+” rating. The company has received 6 complaints in the last 36 months, with 1 related to an advertising or sales issue, 3 due to product or service problems, and 2 have to do with billing or collection disputes. Retriever has successfully resolved 1 of the total complaints, while the remaining 5 were answered but received no final response from the merchant.

What Merchants Say

In addition to those 6 complaints, Retriever Merchant Solutions has received 1 negative informal review on its profile with the BBB. The merchant who left the review describes being charged for service following the closure of their account:

The company are ******- haven’t processed a card in over 5 years- canceled with them after signing up with a new processor. two years ago canceled again after seeing charges come up. Found out they charge under Merchant bankcard but are really Retriever Merchant Solutions. What a fraud- The company we contact before was based on our charges- a company out of California. Had to get a direct number through our own bank in order to contact them. Our bank had their company under National Processing- Also not their name- looking up that company gave me a completely different phone number and location (Houston tx). when called the company had a third name Retriever Merchan Solutions- HOW MANY NAMES Must one company? They said we Never canceled. well when you set up a maze-like this to get a hold of the company that processes your cards, how can you be sure that you have? I have sent the cancelation fax to them 3 times, and have not received confirmation fax. Charged us 54 dollars every month- and 112 in fees each year without processing a single credit card for us. Told I must send a cancelation signature- I have sent one to each of your companies aliases- I have just sent it again, three times now. Lastly- the company asked for proof of cancelation- the proof is in 5 years of no cards going though for five years! asked for reimbursement and told that it could not be done due to lack of proof of cancelation. Again, be truthful on who you are- as we have called bankcard services, merchant bankcard, merchant services, national processing. Every one of the names you company hid behind. Dishonesty stealing from a small family-owned business like ours. Should be ashamed of yourselves.

Merchants stuck in similar situations could benefit from understanding how to cancel a merchant account without paying a fee.

A “B” Performance Overall

The company has also received two negative and four positive reviews on its profile, although it should be noted that the BBB does not always verify the contents of these reviews. In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B.”

How has Retriever Merchant Solutions treated you? Tell us about it here!

Response from Retriever Merchant Solutions

Are you a representative of Retriever Merchant Solutions? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

Outside Sales Agents

Retriever Merchant Solutions appears to primarily utilize independent sales agents to market its services. This hiring practice is common within the credit card processing industry and is often responsible for elevated complaint rates, as these agents typically receive minimal training and oversight. Retriever Merchant Solutions appears to be no exception, as we are currently able to locate a moderate number of negative Retriever Merchant Solutions complaints that accuse the company’s sales agents of misrepresenting or failing to disclose fees. A few complainants also describe high-pressure, aggressive sales tactics and an inability to reach the representative after the deal was closed.

No Misleading Advertising

As a point in the company’s favor, it does not appear to list deceptive rate quotes or misleading guarantees in its official materials. If you suspect that Retriever Merchant Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

Did you get what you expected from Retriever Merchant Solutions? Tell us why, or why not.

Response from Retriever Merchant Solutions

Are you a representative of Retriever Merchant Solutions? Add your voice to this section for free!

Retriever Merchant Solutions Marketing Example

Retriever Merchant Solutions Logo

Our Opinion of Retriever Merchant Solutions

An Average Performance

Retriever Merchant Solutions rates as an average merchant services provider according to all available information. The company is showing a moderate number of complaints, and it suffers from multiple complaints related to its equipment leases. Retriever can improve its overall rating in this review by minimizing future complaints and by severing ties with Lease Finance Group, which is one of the lowest-rated companies on

We rely on your feedback about Retriever Merchant Solutions 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!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

25 Reviews Leave Your Review for Retriever Merchant Solutions Below

  1. Jimmy Brown says:

    I was signed up by an independent sales rep that I knew and thought I could trust so I didn’t read the contract, I just signed where he told me to and took his word for what he claimed. It turned out that he ripped my lips off and I was stuck with a ridiculous high percentage 3 year contract. I tried to get him to change it to what I was paying my previous provider and he told me to quit being a baby and that the contract was non cancellable.
    I went to the Retriever website and the person on the live chat put me in touch with a manager and bless her heart after listening to me intently she terminated the agreement with no fees on my part even though she could have stuck me with a 3 year contract. I have high praises for the way Robyn handled a very bad situation! THANK YOU ROBYN!

  2. Greg says:

    when you call in with a problem the women act like they are doing you a favor and are very rude … they act like you are beneath them … they answer questions like a crooked politician … I switched one business and it was the biggest mistake of my life and because of the way i was treated me they missed out on my 14 other locations … buyer beware the service after the sale is worse than cox communications

  3. Johnny williams says:

    Dont dont dont use this company. Even after services were canceled they kept pull in fees from bank acct. $20 service fees and pulled $500, which never got back. And just to day tried to pull another $500. Finally had to kill acct. Not what i wanted to do because it was a home and busines acct. But just cant trust them.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  4. Bill Orr says:

    Absolutely the worst service and most fraudulent that I have ever seen in my 30 years of business. I am amazed that I was duped into providing a credit card # to demo the equipment and now I am being billed monthly. BAD BAD BAD business. Sales people who do not understand their products and a company that does not care about customer service.

    This post will help: Cancelling a Merchant Account Contract Without Paying a Fee

    – Phillip

  5. kevin michelson says:

    the representative lied to me and when i attempted to get some help his attitude was you signed a contract
    beware of team Urso he hooked me with 1.2% rate but the actual cost was 6% Beware Rich Urso he will lie to get you to sign then he forgets your name

    From The Editor
    This Post Might Help: Eliminate Fees From Your Monthly Statement Without Switching

    1. Sara says:

      Stay away. This company is filled with Scum bags. When I worked here and had my moment of REALIZATION…of what these sales representatives were saying and financially abusing business owners all through the USA it made me physically ill. THE owner Brian kampstra operates like this…”if we’re not ripping the merchants off then another company will. That’s how I can sleep at night and allow my staff to financially STEAL AND ABUSE BUSINESS OWNERS.” Anyone who can operate a business in this sort of nature should be held accountable. Itteam investigates really should investigate this operation and company. Something needs to happen. The amount of money the owner has made from doing this would make your heads spin! Why would anyone want to earn a living by financially abusing there countries small ma and Pa shops…ummm, there’s a special place in hell for him.

  6. james hopper says:

    Just had a retriever sales rep stop by and try to sell me on their new cash discount program. while i own my own terminal it is not compatible with his program and he stated i would be able to purchase their machine for 70 dollars a month. FOR 48 MONTHS. With a 5 dollar tax per month. Ouch over 4000 dollars for a credit card machine. When i asked how much to buy it outright his answer was “70*48” but he would have to call and check. I was busy so i waited until the morning to call and ask another employee. after waiting on hold i was transfered to a lady in “accounts” whom told me that the sales people. “make their own prices” When i asked how much to purchase the machine she could not competently answer my question and would transfer me to a manager. During transfer i was cut off by who i can only assume was the incompetent lady in “accounts.” Overall I am happy that this was not my first experience with processing companys because Retriever Merchant services is a scam.

    From The Editor
    This Post Might Help: Best EMV Terminals

  7. All around good service and answered all questions

    thumbs up Highly Reccomend !!

  8. karen says:

    I was so relieved to have such a kind person – Veronica – help me to set up my swipe simple. I didn’t even know what kind of phone I had, or how to plug in the device.?? she was so patient and knowledgeable. she could tell i was nervous. She went through the process twice with me. And it really helped! I would give her the highest rating. it really is pretty easy to get started taking credit cards. thank you so much, Veronica.

    1. Phillip says:

      Hi Karen,

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

  9. Jo Tucker says:

    Great Service. Bonnie was so patient and I stumbled around finding cords etc. Replacement terminal was up and running in minutes. She gave great instructions and made it easy once I got organized.
    Thank yo0u!

    1. Jo Tucker says:

      I didn’t see where to rate my service I received and it rated it as a 3. I would rate Bonnie and the service I got a 5 not a 3 as posted.

  10. Clayton Beal says:

    Cold call to our clinic. We were courteous and politely declined. The woman who called ended with “fine, then keep paying higher prices, idiot” Yup, these sales people thought it was ok to call me an idiot because I chose not to purchase their product. Wow!

  11. Mike Wells says:

    I guess a $375 termination fee applies after using their service for 8 years. Not happy. Glad I’m retiring and don’t have to deal this any more.

  12. woodard service station says:

    i just noticed a $5.00 fee on my statement for charge back fee. i have never had a charge back. when i called to question it, i was told that this was cheaper for me rather than charging me $25.00 if i did have one. so this add on fee will cost me an additional $60.00 per year. and this is saving me money? these people are rip offs! they lease me a credit card machine for $66.00 a month, i tried to buy it and their high pressure salesman convinced me this was the way to go.
    if anyone knows of an honest credit card company, please tell me who they are.

  13. frank salwolke says:

    we never told about interchange fee’s / we where told our fees would be lowre than intuit and end up being over 1% more

  14. Rhonda Harman says:

    I have been with this company for a year now. Everytime I turn around I’m missing credit card tips. It is a constant on going process. I know for a fact before I left on Saturday I told the girls to run full report and finalize I did all the tips and needless to say when I came in the next day to do my book work I was short $31.00 in credit card tips. I have figure it out not to run final report until next day if you want them tips. They are a rip off! I wished I would have stayed with my other merchant. Please do not use these guys. Does anyone ever see the person who signed you up. Haven’t seen the guy since. Imagine that.

  15. Nancy says:

    The salesman promised this company was as reasonable on fees as First Data. Instead the fees are ridiculous, wait times are way too long if you call them, they lock you in to a 3 year contract and if you want to avoid a $375 fee at the end of the contract, you must cancel within a designated time frame.
    Compared to First Data this company is a giant rip off!

  16. diane Fitzpatrick says:

    this is my second company at my restaurant. the first company was great i switched because they promised a better rate , it was not any better. My employees tips started not being paid by the reitrever company after about a year. I would pay my servers tips and not be paid back. they had me download several different programs nothing seemed to help. Then my customers started calling me saying they were being charged when they werent at the cafe and would close their accounts , when actually it was retriever co. adding tips on that werent on the cards the day they were at the cafe. I eventually gave up and sent my last bunch of unpaid tips to retriever and the machine back to them with a note saying I would not be using them anymore. I waited a couple weeks and sent them an email wondering wy the tips hadnt shown up on the account , their answer was they refused the package and . I tracked the package through the post office they never refuaed it.the unpaid tips amount was $350.00 that I will never see. This company is not honest or accurate please do not use them

  17. greg heath says:

    The owner passed away 2 years ago. New owners took over. Retriever is still charging the new owners even after they were informed that they were not needed. Several phone calls and emails later they are still stealing money from the new owners.$35 for minimum charge for a service that they don’t have. US Bank is starting a fraud case, but I would steer clear of these guys!

  18. Lisa Van Laanen says:

    I’ve been using retriever for a full year now, and never have had any cause for complaint. The fees are the lowest I ever have and saved over $1000 so far. out fail, each day’s sales are in my business checking account by early the next morning. I highly recommend.

  19. Karen McNutt says:

    Lease expires the same day as auto renewal. I was never advised since I called in December to verify when lease is up. Now they are charging the Early termination fee. I am disputing it at this time. Do not go with this company they are very shady in how the answer your questions and they never come back . I have had them for 3 years and NEVER got a statement and when I have asked noone will help you get one.

  20. Kristi says:

    ‘sold’ by man that was gone as fast as he came,have paidw ay to much for years, they will come down very little and watch out, my contract had just auto renewed 3 months ago, and 300 bucks to get out – very small windows to avoid such a high ridiculous charge. Don’t use these processors – go with the honest companies

  21. Ron Escobar says:

    They push leases. Please see the associated links for the leasing company they use. You pay an astounding amount for a lease. When I complained, the leasing company and Ret. said the sales rep. chooses the lease price. It is implied that I sue the sales rep if I don’t like the terms. Are you telling me a sales rep. can do this? Don’t they all take a cut? You can buy any card processor cheaply online. I was duped by people who said they were good Christians out to save me money. This is a horrible company, and there are some days I want to dissolve my own company to get out from under them.

  22. 260 cafe says:

    i have had problems since i have had this company ask several times to have someone come by have seen no one if i try to call i am put on hold for about 45 minutes terrible service i am still not able to accept chip cards i do not recomend this company to an enemy

Leave a Review for Retriever Merchant Solutions

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.