Turnkey Processing 2023: Reviews & Complaints

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Turnkey Processing Rating
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image of a phone image of a phone that changes when your mouse hovers over it (800) 722-3390 View Pricing

Company Overview

Founded in 2008, Turnkey Processing is a merchant account provider that offers credit card processing for most standard-risk business types. The company resells the products and services of First Data (now Fiserv), placing a particular emphasis on the Clover POS system.

Turnkey Processing Payment Processing

Turnkey Processing processes all major debit and credit cards for most business types. Their services include POS systems from Linga and Clover, mobile payments, e-commerce solutions, and software integrations.

Location & Ownership

Turnkey Processing is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 546 S Broad St 3D, Meriden, CT 06450. Gennaro Martorelli is the listed principal for Turnkey Processing, while Steven Martorelli acts as the company’s CEO. However, a John Cross is also listed as CEO on some sites.

Table of Contents

Turnkey Processing Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <5
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Total

We are currently able to locate only a few Turnkey Processing reviews at this time, which is a strong indication that the company isn’t a scam or a ripoff. In fact, the company has a large amount of positive feedback on its various social media and search profiles. Several positive testimonials mention the company’s “flexibility,” which suggests that Turnkey Processing’s sales agents are instructed to work with merchants to find pricing that suits them. If you have your own Turnkey Processing review to make, please do so in the comments below.

Turnkey Processing Lawsuits and Fines

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

Turnkey Processing Customer Support Options

The available negative complaints against Turnkey are vague, but they generally describe poor customer service. Turnkey offers phone and email contact information on its website, but it’s unclear whether these channels are dedicated to customer support. Turnkey’s mostly clean complaint record has earned it an “A” in this category, though it does not qualify as a top-rated provider for great customer service.

Turnkey Processing Customer Service Numbers

  • (800) 722-3390 – Toll-Free Support
  • (203) 238-4636 – Local Office

Other Support Options

  • Customer support form on its website
  • Customer service email address at [email protected]

Turnkey Processing Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 6

No BBB Complaints

Turnkey Processing has been accredited with the Better Business Bureau since September 2017 and is currently showing an “A+” rating. The company has received 0 complaints through the BBB in the past 36 months. It also has not received any negative informal reviews, although it should be noted that these reviews are not always subject to verification by the BBB.

What Merchants Say

Turnkey Processing has received 6 reviews on its BBB profile from the past 36 months. Satisfied clients laud the company’s rates and overall experience with the company. Feedback this positive is a sign of Turnkey Processing being rated among top-rated credit card processors.

An “A” Performance

Given the fact that the company has not received any complaints, we agree with the BBB’s rating. Business owners should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Turnkey Processing Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Potentially Varied Contract Terms

There is very little publicly available information about the standard Turnkey Processing rates or contract at this time. The company does not list its rates, fees, or terms on its website, and there are no client complaints that describe specific costs.

As a reseller of First Data (Fiserv), this review includes rates offered by them. However, analysis of Turnkey’s customer reviews would indicate that their rates vary significantly from First Data (Fiserv). First Data (Fiserv) offers rates based on the size of a merchant’s company. Busineses that process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Businesses whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. A typical First Data (Fiserv) contract also includes a monthly PCI compliance fee of $19.95, however the Turnkey Processing Website states that it does not charge this fee. First Data (Fiserv) contracts also typically include an early termination fee of $495.

Turnkey’s reliance on independent sales agents means that its pricing will likely vary from agent to agent and may depend on each merchant’s business type, size, and processing history. Long-term agreements may apply to its software or credit card processing equipment, so business owners are advised to inquire about all applicable contract terms.

Turnkey Processing also advertises Clover as its preferred POS vendor. Clover POS’s price and contract terms will vary from seller to seller. The full Clover Station typically (with barcode scanner and cash drawer) costs a little over $1,000, but resellers are free to change this price or offer long-term lease agreements.

Clover offers 2 plans: “Register Lite,” which costs $14 a month and is best suited for businesses with credit card sales of less than $50,000 per year, and the “Register” plan at $29 per month, ideal for businesses processing over $50,000 per year in credit card sales. Under both plans, Clover offers a keyed-in transaction rate at 3.5% + $0.10; in-person transactions are charged at  2.7% + $0.10 through the “Register Lite” plan, while the “Register” plan has a 2.3% + $0.10 in-person transaction rate. However, these rates are not indicative of those offered by Turnkey Processing as the company can negotiate its own.

Virtual Terminal and Payment Gateway Pricing

Turnkey Processing also advertises a virtual terminal and payment gateway. Given its reliance on First Data (Fiserv), it is possible that the company relies on Payeezy, the First Data- (Fiserv) backed online payment gateway. Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.

No Red Flags

The absence of complaints about Turnkey’s pricing indicates that most of the company’s clients are satisfied with the rates they pay. However, we have also seen no indication that Turnkey Processing’s pricing competes with the cheapest merchant accounts. If you have any specific knowledge of the standard Turnkey Processing contract (including any early termination fees or PCI compliance fees), please share that information in the comment section below.

We also encourage readers to check out our list of the providers of the best merchant accounts.

Turnkey Processing Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

No Sales Complaints

Turnkey Processing appears to market its services through telemarketing, independently contracted sales representatives, and traditional advertising. The combination of telemarketing and independent reps is usually tied to elevated complaint rates within the credit card processing industry, but Turnkey Processing appears to be an exception. We are currently unable to locate any Turnkey Processing reviews that describe unethical conduct by sales reps.

This compares favorably to our list of best credit card processors.

No Deceptive Quotes

Furthermore, the company does not promote any misleading rate quotes or unrealistic guarantees on its website. However, if you suspect that Turnkey Processing is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs. Due to the company’s clean complaint record and seemingly transparent marketing, we will assign it an “A” in this section.

Our Turnkey Processing Review Summary

Our Final Thoughts

Turnkey Processing rates as an excellent credit card processing provider according to all available information. The company has received mostly positive feedback and does not engage in deceptive marketing tactics. Business owners should be sure to ask questions about their contract terms, as individual savings may come down to the individual agents they interact with. Readers should also compare the company’s pricing and terms to the top-rated credit card processors.

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Your Comments & Reviews

How Did Turnkey Processing Treat You?

37 Responses

  • Andy Kalish

    I started with Turnkey via Clover POS. Clover has been sufficient for our transaction needs for five years BUT the service we get from Turnkey has been exceptional. There has never been a issues (tech to expanding our services) Turnkey has not jumped in, stepped up and followed through on that we have not been 100% satisfied on. I’m sorry it took me five years to sing their praises – but they’re well earned.

  • I converted to Turnkey approximately 90 days ago. Everything went smoothly. Very pleased with their service. Brian, my rep, was very attentive and has serviced my account very well.

  • Stephanie Erwin

    Super happy with this company!!

    • Hi Stephanie,

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

  • I would highly recommend Turnkey Processing and Brian Elliott.

    • Hi Robby,

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


    Great to deal with. pricing great

    • Hi Scott,

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

  • Jerry Doggendorf

    My rates haven’t changed in over a year. Have a great sales rep, Brian Elliott, that is very honest and knows what he’s talking about. Highly recommend Turnkey.

    Jerry Doggendorf
    Montebello Sales & Service
    Imperial, MO

  • Great Company. No Contract. Lowest pricing I have ever had, plus our rate hasn’t moved. It’s nice having a local rep like Brian to make sure our needs are taken care of.

    Jeff Cullum
    Transmissions To Go
    Arnold, MO

  • I couldn’t be happier with Turnkey. Best customer service. Amazing sales rep in Brian. Highly recommend this company.

    Mike Kinder
    Kinder Auto Repair
    Alton, IL

  • darrell d dewitt

    Great company. My rates and fees are the lowest I’ve ever had. Would highly recommend Brian and Turnkey processing.

    Darrell Dewitt
    Advanced Transmission
    Alton, IL

  • Steve Honaker

    After Changing To Turnkey Processing , Brian Elliott Has Don a great job Answering questions and following up

    • Hi Steve,

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

  • Great company, amazing service

    • Hi Salim,

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

  • Dennis Sherman

    I have had a great experience with Turnkey. My sales rep Brian is very honest and actually cares about my business. Highly recommend these guys.

    Dennis Sherman
    O’Fallon Garage

  • James Miller

    Brian has made the transition process simple and painless. He has checked in on me over the time with the company and has answered any questions I have had. I have not had any problems with the services.

    • Hi James,

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

  • Car-Tech Automotive

    I am very happy since I switched to Turnkey. Brian is very knowledgeable and honest. Corey and Mike have helped me as well. I would recommend Turnkey to everyone!

  • Dennis Feurer

    I have had Turnkey doing my processing for over a year now. My savings is right where my sales rep Brian Elliott said it would be. The best part is no contract and my pricing hasn’t moved since day one. Highly recommend Turnkey.

  • William Melo

    Monina’s Food Service Corp, Brooklyn, New York

    Straight forward pricing and very helpful staff. They gave me free equipment and options for loans too.

  • Excellent customer service! If we ever have a question about our account, or the equipment, they always get back to us very quickly. When opening new locations they have always put a rush on getting us up and running, and once even had someone come in on a snow day to make sure they got our terminal out. Overall we have been very happy with Turnkey.

  • Abraham Simpson

    I am extremely satisfied with Turnkey. They have gone out of their way on multiple occasions for me. My sales rep, Brian Elliott, even spent over an hour on the phone with my old company to help me avoid a bogus cancellation fee they were trying to charge me. Abraham Simpson Pro Auto Repair O’Fallon, MO

  • Scott Woodliff

    I have the best sales rep I have ever had with a merchant services company in Brian Elliott. He has been extremely knowledge and honest since our first meeting. The back end support has also been amazing. You get to talk to a person right away, and they have always fixed any issue I’ve ever had within a matter of minutes. Couldn’t recommend Turnkey enough. Scott Woodliff United Car Care O’Fallon, MO

  • Miguel Mendoza

    I am very pleased with their costumer service, they are always there when I need any help! I own a restaurant in Enfield Ct, Angelina’s Restaurant. I highly recommend this company.

  • Tomas Texidor

    Turnkey is definitely a five star service. The staff at Turnkey are professional and have come to our businesses aide anytime they were needed in a timely fashion!

    Brother’s Grill & Catering

    523 N Colony Rd Meriden, CT

  • Stanley J Martone

    EXCELLENT!!! Working with the Turnkey team was an unbelievable experience when we first started five short years ago. Since then, we’ve been able to grow our business with online ordering, fast credit card processing, low rates, and the joy of working with the greatest team around. The level of expertise this team brings to the table is tremendous. With their help, we’ve been able to expand to another location by the shore with much more volume, larger dining room, outdoor patio and fortunately enough, we have been accepting mobile payments table-side. They have hard-wired all of our Point of Sale systems, and are constantly looking for ways to improve their product and service. These guys work around the clock to help us out when needed, and overall I am a very satisfied customer. Cheers to the past five years of business Turnkey, and cheers to many more! Third location on the way! Be ready.

  • John Dutcher

    I recently signed up with Debra and Turnkey Processing. I’m extremely happy with my service. I have a restaurant and we had to make modifications to our menu and it was a seamless experience. I called the office and Corey and Mike helped me with everything. I have a clover device and it has made the difference.

    • Hi John,

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

    • John Dutcher

      My business is Dutchers Diner in Avon park , Florida. 1012 W. Main Street Avon park Florida 33825

  • worst customer service
    they never respond
    micheal knaus is a fraud, not allowed on my property now.

  • Garret was quick to respond and resolve the previous issues and did everything and more to make me happy. I must say the customer service is second to none

  • Scam. Losts of promises about how their so much better than what you’re using presently with no delivery. Taking WAY too long to get money in account. Took em two weeks just to ship the “Clover” (which I was told was free during reps sales pitch) to me.

    • After leaving this premature review, I was contacted by Turnkey and they went above and beyond to resolve my complaints. Chalk it up to a misunderstanding.

      • Steven Martorelli

        Mike, I appreciate the positive feedback and Google Review as well. If you ever need anything in the future feel free to contact me or Garrett.

  • Steven Martorelli

    Thank you for reviewing our company, our reputation is very important to us. My name is Steven Martorelli, and I am the CEO of Turnkey. Our purpose as a company is to make things a little easier for business owners so they can focus on what they do best. As for contracts, our general rule is that a merchant can cancel at any time for $1. If the merchant talks with me directly, and tells me why they’d like to cancel I will pay the dollar for them. As for PCI Compliance fees, we do not charge any. We believe it’s part of our job to help every merchant become PCI compliant. If you have any other questions for us, feel free to contact me directly 203-238-4636 [email protected]. Thanks!

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