Transparent Merchant Services Review


Budget-Friendly Pricing

Transparent Merchant Services ( is a merchant account provider based in Scottsdale, Arizona. The company offers standard credit card processing solutions for all business types, but what sets it apart from most of its competitors is its unique pricing model. Similar to Payment Depot or BaseRates Merchant Services, Transparent Merchant Services charges merchants a flat monthly rate with a per-transaction fee of interchange plus a fixed dollar amount. This means that Transparent does not keep a percentage of each sale for itself, which could make it appealing for merchants with high average tickets who want the cheapest credit card processing possible.

Linked to Vantage Payments

Transparent Merchant Services is under the same ownership as Vantage Payments but the two companies operate as completely separate entities. According to the Better Business Bureau, Transparent Merchant Services was founded in 2008. The Transparent Merchant Services website states that its merchant accounts are provided by Base Commerce, LLC, a registered ISO/MSP of Synovus Bank. The company is located at 4040 East Camelback Road, Suite 215, Phoenix, Arizona 85018. Dustin Sparman is listed as a managing partner at Transparent Merchant Services.

Transparent Merchant Services Review Table of Contents

  • Sales & Marketing: Transparent Merchant Services does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
  • Costs & Contract: Transparent Merchant Services offers a month-to-month contract with no early termination fee.
  • Complaints & Service: Transparent Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: Transparent Merchant Services has an “A+” with the Better Business Bureau and has received zero complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Transparent Merchant Services

Contact Transparent Merchant Services

Phone: (888) 510-2937
Address: 4040 East Camelback Road, Suite 215, Phoenix, Arizona 85018

Transparent Merchant Services Products and Services

  • Debit and credit card processing
  • Mobile processing
  • PCI compliance via SecurityMetrics
  • Online marketing via ClearListings
  • Ingenico iCT250 POS Terminal (rent or purchase)


  • Retail
  • Mobile business
  • E-commerce

Sales & Marketing

Key Points - Sales & Marketing

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

Clean Complaint Record

Transparent Merchant Services appears to utilize traditional advertising methods and in-house, W2-employed sales agents to market its services. This tactic is generally preferable to hiring mill strategies because it ensures a greater degree of control over agents’ conduct. We are currently unable to locate any Transparent Merchant Services negative reviews that accuse the company’s sales staff of deception or nondisclosure, indicating that the company places an emphasis on forthright sales pitches.

Understanding the Rate Calculator

As of this review, the Transparent Merchant Services website features a tool for calculating your potential savings through the company. This tool is useful for merchants who are currently on Interchange-plus pricing because it draws a direct comparison between Transparent’s markup above interchange and a merchant’s existing markup above interchange. Merchants who are on tiered pricing should note that the tool assumes an average interchange rate of 1.6%, which may be more or less than the average interchange rate each merchant typically receives.

True to Its Name

To its credit, the company’s website does not promote any outright deceptive “teaser” quotes. Transparent’s pricing is fully disclosed for anyone to view, which is a major reason why we consider it a top-rated merchant account provider.

Response from Transparent Merchant Services

We’re here to help! Call us at (888) 510-2937 or visit!

Transparent Merchant Services Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Interchange Plus $0.09 or $0.19
Keyed-in Rate Interchange Plus $0.09 or $0.19
Early Termination Fee None
PCI Compliance Fee $99 Per Year
Equipment Lease Terms $9.95 Per Month or Free

Two Plans to Choose From

Transparent Merchant Services offers two pricing plans: Pro and Elite. The Pro plan charges a flat monthly fee of $49.97 and a per-transaction fee of interchange plus $0.19, but it is intended for merchants who process up to 500 transactions per month. The Elite plan comes with a $99.97 monthly fee and a per-transaction fee of interchange plus $0.09 and is designed for merchants who process over 500 transactions per month. For merchants who process over $100,000 per month or $1.2 million per year, the company also offers custom Enterprise merchant account pricing.

Month-to-Month, No Termination Fees

Both pricing plans come with a month-to-month agreement with no early termination fees or setup fees, but the company does charge a $99 annual PCI Compliance fee on the third billing cycle. The company also offers point-of-sale equipment that can be either rented for $9.95 per month, purchased outright for $249, or given for free to businesses that process over 300 transactions per month. Overall, these terms are reasonably competitive for the credit card processing industry and very transparent, although merchants will want to run the numbers based on their transaction volumes and the applicable pricing tiers before signing up.

Response from Transparent Merchant Services

We’re here to help! Call us at (888) 510-2937 or visit!


Complaints & Service

Key Points - Complaints & Service

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

Clean Complaint Record

We are unable to find any negative Transparent Merchant Services reviews on the usual consumer protection websites, and there are no suggestions online that the company is a ripoff of any kind. This total lack of complaints is a positive indicator that the company provides excellent customer support for its merchants and resolves issues in a timely fashion. Transparent’s affiliated business, Vantage Payments, has a similarly low complaint total despite its focus on high risk merchant accounts.

Quality Customer Service

Transparent Merchant Services offers phone support during business hours as well as chat support and email support for its merchants. It also features a small blog on its website with some useful information for merchants.

Response from Transparent Merchant Services

We’re here to help! Call us at (888) 510-2937 or visit!



Key Points - BBB

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

No Complaints

Transparent Merchant Services currently has an “A+” rating with the Better Business Bureau and has been accredited since June 2014. The company’s BBB profile has only existed since June 2014 as well, but it has not accumulated any formal complaints in that time. There are also no unverified reviews posted about the company in the BBB’s “Reviews” section.

An “A” Performance Overall

Given the company’s clean complaint record, we agree with the BBB’s rating. This strong performance with the BBB is a major reason why we recommend Transparent for dentist merchant accounts, pharmacy merchant accounts, mechanic merchant accounts, and other professional services.

Response from Transparent Merchant Services

We’re here to help! Call us at (888) 510-2937 or visit!

Transparent Merchant Services Logo

Transparent Merchant Services Bottom Line

Huge Potential for Savings

Transparent Merchant Services rates as a quality merchant services provider according to our rating criteria. The company offers month-to-month agreements with transparent pricing and is not showing any complaints online. The one potential drawback for merchants to consider is that the company’s pricing, though transparent, may not be the most cost-effective option for certain business types. As a general rule, merchants who process fewer transactions at larger volumes are best served by the company’s pricing model.

For more information on the company, see the Transparent Merchant Services website or call (888) 510-2937.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

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