Sublime Merchants Overview

Sublime Merchants May Have Overcharged You

If you accepted credit cards through Sublime Merchants or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

Serving Standard- and High-Risk Business Types

Sublime Merchants is a merchant account provider headquartered in Mesa, Arizona. At the time of a previous update, the “Privacy Policy” page on the company’s website stated that Sublime was a registered Agent/MSP of several ISOs, including Century Bankcard Services, Elavon, Leaders, Capital Bankcard, and Priority Merchant Processing. The website has since been restructured and no longer has such a page. Sublime Merchants provides both standard and high risk merchant accounts.

Sublime Merchants Location and Ownership

Mehdi Adjudani is listed as the owner and president of Sublime Merchants, which is located at 1833 W. Main St. Ste. 126, Mesa, Arizona 85201.

Sublime Merchants Review Table of Contents

  • Costs & Contract: Sublime Merchants appears to offer variable contract terms that depend on each merchant’s business type and processing history.
  • Complaints & Service: Sublime Merchants has received fewer than 10 public complaints.
  • BBB Rating: Sublime Merchants has an “A+” rating and has received 1 complaint in the past 3 years. The company has been accredited by the Better Business Bureau since 2014.
  • Sales & Marketing: Sublime Merchants appears to hire independently contracted agents and has received a couple of complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With Sublime
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • High risk

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Sublime Merchants Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms 48 Month (locked)

Potentially Variable Terms

There is very little specific information about the standard Sublime Merchants contract at this time. At the time of a previous review, the company’s website listed 3 of its partners as Leaders Merchant Services, Elavon, and Capital Bankcard, and these three companies have wildly different standard contract terms when it comes to major expenses like early termination fees and PCI Compliance fees.

The company’s website now contains a “Merchant Application” but the link redirects visitors to an expired web domain. The Sublime Merchants website also previously claimed to offer something that sounded like Interchange-plus pricing, but a conflicting merchant complaint called this quote into question.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Sublime Merchants 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.

Beware Equipment Leases

According to a complaint rebuttal issued by a company representative, Sublime Merchants offers equipment leases through Northern Leasing Systems. Northern Leasing Systems has a reputation for providing very expensive equipment leases with long service lengths. In March 2013, the New York Attorney General reached a multi-million dollar settlement with Northern Leasing. Following that settlement the New York Attorney General filed a lawsuit against Northern Leasing Systems, Lease Finance Group, and MBF Leasing “for their fraudulent and deceptive practices that trap small business owners across the country” in April of 2016. The lawsuit alleges that Northern Leasing Systems and its subsidiaries knowingly deceived thousands of business owners into buying overpriced equipment and then abused the judicial system by filing suit in New York to collect on overdue lease payments.

Sublime’s affiliation with Northern Leasing is enough to drop its grade in this category to a “C” despite the fact that the company only has one complaint filed regarding its contract terms. Sublime’s link to Northern Leasing also is enough to exclude the company from our list of the cheapest merchant accounts. If you have any knowledge of the standard Sublime Merchants contract, please leave that information in the comment section of this review.

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Response from Sublime Merchants

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Sublime Merchants Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate only 2 Sublime Merchants complaints, both of which describe the company as a scam or a ripoff. One complaint reports a situation in which a Sublime agent signed the merchant up for the company’s affiliate program, only to disappear and never provide any compensation for the merchant’s initial investment. The merchant claimed to have successfully sued the company for the amount in question. In the other complaint, a merchant reported misrepresentation of rates and lease terms by a Sublime agent. A Sublime representative responded to this complaint with an evasive and dismissive tone, which is the primary factor lowering the company’s score in this section.

Sublime Merchants Lawsuits

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

Sublime Merchants Customer Support Options

Two complaints is not an especially high complaint volume, even for a young company like Sublime, but the content of the complaints and the lone rebuttal from a representative have compromised the company’s rating. The Sublime Merchants website does not appear to list dedicated contact information for customer support, so it is automatically excluded from our list of the top-rated customer service providers.

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Response from Sublime Merchants

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Sublime Merchants BBB Rating Summary

Key Points - BBB

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

No BBB Complaints

As of this update, Sublime Merchants has an “A+” rating with the Better Business Bureau and has been an accredited business with the BBB since 2014. The company has received 1 complaint in the past 36 months. That complaint expressed a problem with a product or a service and was answered by the company, though no resolution has been achieved. Sublime Merchants has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance Overall

Given Sublime’s low complaint total, we agree with the BBB’s rating at this time. However, merchants should be aware that there is reason to be skeptical of the BBB’s reviews.

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Response from Sublime Merchants

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Truth In Marketing & Advertising

Key Points

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

Outside Sales Agents

Sublime Merchants appears to market itself primarily through the use of outside sales agents, which is a common hiring practice within the industry that can often result in an elevated complaint rate for a company. At this time, we are able to locate only two negative Sublime Merchants reviews that accuse the company’s sales staff of deceptive tactics. One complainant reports receiving none of his promised compensation for joining the company’s affiliate program, while the other complainant describes misrepresentation of rates and a non-transferable lease that was initially presented as transferable.

Sales Complaint Details

This second complaint (found here) received a rebuttal from someone claiming to represent Sublime Merchants, and this rebuttal appeared to be deceptively worded and slightly unprofessional in tone. For one thing, the Sublime representative denied the merchant’s claim that the company processes through Electronic Payment Systems, stating only that the company “has more than two processors.” While this appears to be an accurate statement, the representative went on to say that the company does not offer equipment leases through Leaders Merchant Services, but rather Northern Leasing. In this response, the representative appears to have intentionally neglected to confirm the merchant’s accusation that Sublime processes through Leaders (which its website indicated was true), and the representative also outed the company as a partner of Northern Leasing Systems, one of the lowest-rated businesses on this website.

Serving High Risk Merchants

According to its website, Sublime Merchants also focuses on providing services to high risk merchants. Many different factors determine the risk designated by merchant account providers. A company’s size, the frequency of chargebacks, its credit history, and the industry of its business are all factors taken into consideration. According to the Sublime Merchants websites, the company provides services to companies selling cannabis, CBD, kratom firearms, as well as non-retail pawn shops and companies processing payments in Bitcoin.

Some Cause for Concern

These claims, coupled with a generally dismissive and evasive tone, have lowered the company’s score in this section. Given the fact that it’s one of only two complaints, though, it won’t diminish Sublime’s rating below a “B” at this time. If you suspect that Sublime Merchants is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

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Response from Sublime Merchants

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Sublime Merchants Logo

Our Opinion of Sublime Merchants

An Average Option

According to all available information, Sublime Merchants rates as an average merchant services provider. The company has received only a handful of complaints across all consumer protection websites at this time, but the content of the complaints and an unprofessional rebuttal issued by a company representative have lowered the company’s overall rating. The company’s score is likely to change once more information about its standard contract becomes available. For now, merchants may be better served by opting for a top-rated overall credit card processor.

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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.

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