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Trinity Merchant Group 2023: Reviews & Complaints
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Trinity Merchant Group is a merchant account provider based in Fort Worth, Texas. It appears that Trinity Merchant Group is either a sub-ISO or a subsidiary of First American Payment Systems, a company with a long list of similar aliases. Like other members of the First American network of companies, Trinity appears to offer merchants equipment leases with Merimac Capital, which may simply be the equipment leasing arm of First American Payment Systems.
Before we dive in, here’s a short summary of what we’ll cover:
- Trinity Merchant Group’s various payment processing services.
- TMG has not received many c complaints in recent years.
- TMG’s contract is through First American Payment Systems and includes some expensive fees and terms.
Trinity Merchant Group Payment Processing
Trinity Merchant Group processes all major debit and credit cards for most business types. Their services include a check guarantee program, online reporting, e-commerce gateway, gift cards, equipment leasing, ACH and EBT processing, POS systems and terminals, mobile solutions, e-commerce solutions including a payment gateway and shopping carts, a virtual terminal, recurring billing, fraud detection, a customer information manager, B2B Level 2 processing, non-profit donation acceptance, and cash advances. Trinity Merchant Group also operates TMGVets, which is a payment processing service specifically for veterinarians.
Check Guarantee Program
The company offers a check guarantee program. This service is designed to provide an additional layer of security for check payments.
Online Reporting and E-commerce Gateway
Trinity Merchant Group provides online reporting tools and an e-commerce gateway. These services are intended to facilitate online transactions and data management.
Gift Cards and Equipment Leasing
The company offers gift card services and equipment leasing options. These are additional services aimed at enhancing the merchant’s business operations.
ACH and EBT Processing
Trinity Merchant Group provides Automated Clearing House (ACH) and Electronic Benefit Transfer (EBT) processing services. These are alternative payment methods to credit and debit cards.
The company allows merchants to turn any mobile device into a credit card processor. This service is compatible with iPhone, iPad, and Android operating systems.
Trinity Merchant Group offers a virtual terminal for secure transactions. This enterprise solution is designed for fast and reliable transactions between merchants and customers.
The company provides customized B2B credit card processing solutions. These include Level 2 processing capabilities and PCI compliance.
Trinity Merchant Group has a solution for nonprofits, schools, and other fundraising organizations to accept donations. This service is designed to facilitate fundraising efforts.
The company provides working capital through cash advance partners. This service is aimed at businesses in need of immediate funding.
Location & Ownership
Trinity Merchant Group is headquartered at 2421 W 7th St #105, Fort Worth, Texas 76107, and is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio. Clay Farrell is listed as the owner of Trinity Merchant Group. Nathan Randel has also been listed as the owner of Trinity Merchant Group, but his public profiles now state that he is a managing partner at Clientvine, LLC. Clientvine appears to be a software company that sells sales lead management software for ISOs and independent agents, but it is headquartered at the same location as Trinity Merchant Group. Therefore, the two entities may simply be one and the same.
Table of Contents
- Costs & Contract: Appears to offer a three-year contract through First American Payment Systems with…
- Complaints & Service: Complaints number more than 15 on…
- BBB Rating: Has an “A+” rating with the Better Business Bureau and has received…
- Sales & Marketing: Appears to hire independent sales agents and has received…
Trinity Merchant Group Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||15+|
|Live Customer Support||Yes|
|Most Common Complaint||Undisclosed Terms|
Low Complaint Total
We have found 10 Trinity Merchant Group reviews on our site and several more on other non-BBB consumer protection sites. Despite this low complaint total, we are not inclined to make a favorable assumption about TMG’s customer support track record. Most Trinity Merchant Group complaints filed publicly against the company cite some difficulty reaching a company representative. If you have your own Trinity Merchant Group review to make, please do so below.
Trinity Merchant Group Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Trinity Merchant Group. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Trinity Merchant Group Customer Support Options
TMG’s website provides a dedicated support number and an email address, but it is possible that another member of the First American network of companies (including First American itself) is responsible for providing TMG’s customer support. None of these companies compare favorably to the top-rated payment processors for great customer service on CPO. We therefore award TMG a “B” in this category in consideration of its low complaint total and the nature of the available complaints.
Trinity Merchant Group Customer Service Number
- (866) 864-4968 – Toll-Free Customer Service
Other Support Options
- Customer support form
- Customer service email address at [email protected]
Trinity Merchant Group Online Ratings
Here's How They Rate Online
Under 5 Complaints
As of this review, the BBB awards an “A+” rating to Trinity Merchant Group and does not show accreditation for the company. Trinity has had 0 complaints filed against it in the last 36 months. At the time of a previous update, the BBB also included language from the company’s standard contract on its main report page, which indicated that the cancellation fee is a source of confusion for many BBB complainants. This notice has since been removed.
What Merchants Say
Trinity Merchant Group currently has no informal reviews on its BBB profile. However, at the time of a last update, the company had received 1 informal negative review. This review described poor customer service:
Terrible customer service. called multiple to make some account changes no call back.
Clients who are frustrated by their customer support should make sure that they avoid customer support scams.
An “A” Performance
Considering the low complaint total, we agree with the BBB’s rating at this time.
Trinity Merchant Group Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Processing Rates||1.00% - 4.99%|
TMG appears to offer its standard contract through First American Payment Systems for three years that automatically renews for a one-year term after its expiration date. There are numerous reports of an early termination fee of $495, which is higher than average but may vary from agent to agent. Additionally, the Better Business Bureau report for TMG has previously shown language from the company’s standard contract that specifies a three-year agreement with automatic renewal after 30 days, a $495 early termination fee, and a liquidated damages clause.
Potentially Huge Fees
A liquidated damages clause can inflate a client’s cancellation fees to a significant and unpredictable degree, and business owners are advised to never sign a contract that includes such a clause. One Trinity Merchant Group review previously filed with the BBB mentioned an early termination fee of over $20,000. There are also reports of a statement fee, an annual PCI compliance fee of $124.75, and other annual Trinity Merchant Group fees of $150 in addition to transaction rates that are not especially competitive. A company representative has stated that clients on a standard pricing plan will pay either a $25 monthly minimum fee or a $90 annual fee, but not both.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Trinity Merchant Group also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional TMG rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Other Contract Considerations
At the time of our previous update, TMG’s website was advertising a service called “TMG Flat” that promised one flat monthly rate and no hidden fees, but this service is no longer mentioned on the company’s site. It is also worth noting that some TMG clients are reporting that their contracts bear the name “Merimac Capital,” although it is more likely that these are simply the equipment lease portions of their contracts. We recommend purchasing rather than leasing equipment whenever possible, and we feel that Trinity’s apparent use of equipment leases precludes it from competing with the cheapest merchant account providers. We also encourage business owners to check out our list of the providers of the best merchant accounts.
Trinity Merchant Group Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||Yes|
|Discloses All Important Terms||No|
Outside Sales Team
Trinity Merchant Group appears to utilize independent sales agents and telemarketing to market its services. This is a common practice within the industry that can often result in an unregulated or untrained sales team. In the comment section of the First American Payment Systems review on our website, two clients left a negative Trinity Merchant Group review detailing encounters with TMG agents who failed to fully disclose undesirable terms at the point of signing and did not adequately follow up on agreements they had previously made. There are also Trinity Merchant Group reviews from businesses in the comment section of this review regarding the nondisclosure of TMG contract terms, but at least one client has retracted his complaint following a good faith effort by TMG. Unfortunately, these Trinity Merchant Group complaints are typical of companies that hire independent sales agents, and this sales strategy appears to be the method of choice among companies within the First American Payment Systems corporate family. This does not compare favorably to our list of best credit card processors.
No Deceptive Quotes
To its credit, Trinity Merchant Group does not list any misleading rate quotes or unrealistic guarantees in its official materials. If you suspect that an agent has misrepresented your pricing to you directly, you can double-check your monthly bill with a third-party statement audit. Trinity Merchant Group enjoys a lower complaint total than its counterparts, but its approach does not appear to differ in any appreciable way. We have therefore assigned it a “C” rating.
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