MinistryLINQ Overview

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Note: According to the Better Business Bureau, MinistryLINQ is no longer in business. However, the company’s website is still active. This latest update reflects all data on the company’s website and BBB profile as of this date.  Merchants with any information confirming or contradicting this claim are encouraged to leave it in the comment section of this review.

Formerly a CashLINQ Group Subsidiary

MinistryLINQ, a company owned by Ministry Brands, LLC, is a Spokane, Washington-based merchant account provider that specializes in payment processing for ministries, churches, and schools. Prior to 2015, the company maintained a primary web presence as The CashLINQ Group and presented MinistryLINQ as one of its products, but it since appears to have fully rebranded as MinistryLINQ. In July 2015, the company sold its assets to Ministry Brands, but the MinistryLINQ website is still active and functional. It appears that Ministry Brands has allowed MinistryLINQ to continue operations under its original name.

MinistryLINQ Location and Ownership

Founded in 1999, MinistryLINQ is a registered ISO of Wells Fargo Bank, N.A., Concord, California, with headquarters located at 14488 Old Stage Rd, Lenoir City, TN. Foster Chase is listed as the president and CEO of the CashLINQ Group.

MinistryLINQ Review Table of Contents

  • Costs & Contract: MinistryLINQ offers varying pricing tiers that may or may not include termination fees.
  • Complaints & Service: MinistryLINQ has received fewer than 10 public complaints.
  • BBB Rating: MinistryLINQ does not have a rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: MinistryLINQ does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With MinistryLINQ
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Products & Services Offered

  • Debit and credit card processing
  • Donor management integration
  • Event registration
  • Tuition payment processing
  • Recurring billing
  • POS equipment

Types of Businesses Served

  • Non-profit
  • Church
  • Education

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MinistryLINQ Rates, Fees, and Costs

Key Points

Level 1 Plan Flat Rate 3.00% + $0.39
Level 2 Plan Flat Rate 2.60% + $0.39
Level 3 Plan Flat Rate 2.09% + $0.39
Level 1 Plan ACH Rate 1.00% + $0.39
Level 2 Plan ACH Rate 0.75% + $0.39
Level 3 Plan ACH Rate 0.75% + $0.39
Level 1 Monthly Fee $0
Level 2 Monthly Fee $29
Level 3 Monthly Fee $49
Level 1 Monthly Minimum Fee $10
Text Giving $5 Per Month
Security Fee $10 Per Month
Early Termination Fee Variable
PCI Compliance Fee $10 Per Month
Equipment Lease Costs $19 Per Month

Free Pricing Plan

MinistryLINQ offers multiple pricing tiers with various services and fees for each tier. The company’s free monthly tier charges 3% plus $0.39 per card transaction, a monthly minimum fee of $10, a fee of 1% plus $0.39 per ACH transfer, and a monthly security fee of $10. It includes all of the company’s standard services except for on online store. A text giving add-on is available for $5 per month.

$29 Monthly Plan

MinistryLINQ’s $29 per month tier charges 2.60% plus $0.39 per card transaction, no monthly minimum fee, an ACH transfer fee of 0.75% plus $0.39, and a $10 monthly security fee. It includes all of the free plan’s features plus the online store. A text giving add-on is available for $5 per month.

$49 Monthly Plan

The company’s $49 per month plan has identical pricing and features to the $29 plan, except that it offers tiered card rates starting at 2.09% plus $0.30 for qualified transactions. The company’s iPad POS system can be added to any plan for $19 per month plus hardware costs, and text donations can be added for $5 per month. A text giving add-on is available for $5 per month.

When to Opt for Tiered Pricing

We do not typically encourage merchants to opt for tiered pricing plans under any circumstances, so we are especially opposed to a plan that charges $49 per month just to receive tiered rates. However, the company’s flat rates under its other pricing plans are higher than competitive interchange-plus rates, so merchants may be able to realize some savings under its tiered plan.

Few Contract Complaints

It is unclear as of this update whether additional contract terms will apply. The company advertises “no contracts,” but it does not publicly disclose its backend processor or provide sample contracts, so it’s difficult to know precisely what its exact policies are regarding service length or early termination fees. There are currently no MinistryLINQ complaints that mention issues with hidden fees or unfair pricing, so we will assume for the time being that the company is competitive with other affordable merchant accounts. If you have any knowledge of the standard MinistryLINQ merchant agreement, please share that information in the comment section of this review.

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Response from MinistryLINQ

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MinistryLINQ Complaints & Customer Reviews

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Poor Service

Low-to-Moderate Complaint Total

We are currently able to locate fewer than 10 negative MinistryLINQ reviews, none of which outright accuse the company of being a scam or a ripoff. All complaints are related to slow service or poor account management, with one complaint (in the comment section below this review) describing a severe mismanagement of merchant funds. According to the complainant, MinistryLINQ inappropriately made deposits into the merchant’s account that were actually supposed to go to a different merchant. When the company caught the error, it allegedly removed almost $5,000 from the merchant’s account with minimal explanation. At the time the comment was posted, the merchant still had not received a full correction for the erroneous deposits. Other complainants describe very long wait times and slow resolutions to urgent problems.

MinistryLINQ Lawsuits

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

MinistryLINQ Customer Support Options

We also found one negative CashLINQ Group review, but the complainant in this case apologized to CashLINQ for wrongfully filing the complaint with the Better Business Bureau when CashLINQ was not actually at fault in the situation. MinistryLINQ offers a phone number for customer support during business hours. This appears to be insufficient for addressing many merchants’ needs, which precludes MinistryLINQ from earning a place among our top-rated payment processors for customer service. MinistryLINQ has maintained a low overall complaint total, but the consistent complaints of poor service have lowered its score in this section to a “C.”

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Response from MinistryLINQ

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MinistryLINQ 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

Clean Complaint Record

The BBB currently has no rating for MinistryLINQ and points visitors to the BBB profile for CashLINQ, its former brand name. CashLINQ is given a “C” rating by the BBB and has received 1 complaint in the past 36 months relating to a billing or collection issue. This complaint has remained unanswered since it was left in 2017.

No Rating Assigned

Given MinistryLINQ’s clean complaint record, we would normally assign an “A” rating in this section. However, the BBB’s refusal to assign a rating suggests that it may not be monitoring merchant feedback about the company as aggressively as it does for other businesses.

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Response from MinistryLINQ

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Truth In Marketing & Advertising

Key Points

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

In-House Sales Team

MinistryLINQ appears to utilize referral partnerships and a W2-employed inside sales staff to market its services. There is no indication that the company employs independent sales agents, and we have found no MinistryLINQ negative reviews that cite deceptive sales practices by the company’s sales team.

No Deceptive Quotes

In addition, the MinistryLINQ website does not list misleading promotional rates or misrepresent the company as something it is not. We therefore award MinistryLINQ an “A” in this category. If you suspect that MinistryLINQ is overcharging you, you can double-check your monthly bill by obtaining a third-party statement audit.

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Response from MinistryLINQ

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MinistryLINQ Marketing Example

MinistryLINQ Logo

Our Opinion of MinistryLINQ

An Average Option for Faith-Based Organizations

MinistryLINQ rates as an average credit card processing solution according to our rating criteria. The company is showing an increasing number of legitimate complaints across all consumer protection websites and appears to have some customer service issues. However, since we have very little information about the company’s standard contract at this time, merchants should be sure to read all terms presented to them and negotiate for better pricing whenever possible (see: “Fee Sweep“). Our rating for MinistryLINQ may change once more is known about its contract terms.

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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.

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2 Reviews Leave Your Review for MinistryLINQ Below

  1. Maranatha McCarter says:

    Terrible Customer Service Wait times. I’ve never waited less than on hour every time I’ve tried to call to resolve an issue. Horrible to work with!

  2. This company added another company to our bank account due to a typo and was adding funds into our account in small increments. Due to the number of streams of income into our accounts this was undetectable. After 6 months of service they send us an extremely vague email stating they had made a mistake and that they were going to debit our account almost 5K. The email was not addressed to anyone and was full of grammar and spelling errors. They left no contact numbers or contact names and the email had no name on it. I contacted the company responsible and they told me it was a bogus email and did not come from them. In 2 days they deducted the money from our account, almost 5K. The problem was the amount that they deposited in our accounts was less than the amount they deducted. It has been two weeks and we still do not have our money back and they avoid our phone calls. Please avoid this company at all cost unless you enjoy dealing with a very unprofessional organization with many unqualified people handling you money.

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