UPDATE 3/01/2019: The Wholesale Merchant Processing website is now a landing page for Harbortouch, and all available evidence suggests that Wholesale Merchant Processing is no longer an independent brand. North American Processing Solutions and Smart Choice Payments both appear to be active, so it seems that Wholesale Merchant Processing is the only company in this group to have merged with Harbortouch. We will no longer update this review.
Founded in 2005, Wholesale Merchant Processing (wmphq.com) is a Beaverton, Oregon-based merchant account provider serving most standard-risk business types. Wholesale Merchant Processing also operates under the name of Smart Choice Payments, and the company has been tied to the following business entities by merchant complaints:
- First Choice Payments
- North American Processing Solutions
- American Payment Systems
- Payment Systems Corporation
Todd McCartney is listed as the president of Wholesale Merchant Processing, Smart Choice Payments, and American Payment Systems. All three companies are headquartered at 11000 SW Stratus St., Ste. 150, Beaverton, Oregon 97008. Wholesale Merchant Processing is a registered ISO/MSP of First National Bank of Omaha, Omaha Nebraska.