Wind River Financial Overview

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Partnered with TSYS

Founded in 1999, Wind River Financial ( is a merchant account provider that is capable of serving most domestic, standard-risk business types. The company is a TSYS reseller.

Headquartered in Madison, Wisconsin

Wind River Financial is a registered ISO/MSP of Synovus Bank, Columbus, Georgia and a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California. The company is headquartered at 65 Buttonwood Court, Madison, Wisconsin 53718 and Mike Carow is the president and CEO of Wind River Financial.

Wind River Financial Review Table of Contents

  • Costs & Contract: Wind River Financial appears to offer a contract of variable length with a closure fee of $25.
  • Complaints & Service: Wind River Financial has received fewer than 10 public complaints.
  • BBB Rating: Wind River Financial has an “A+” rating with the Better Business Bureau and has received one complaint in the past three years.
  • Sales & Marketing: Wind River Financial 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 Wind River Financial

Wind River Financial Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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Wind River Financial Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Account Closure Fee $25
PCI Compliance Fee Variable
Equipment Lease Terms Variable

No Long-Term Contracts

There is a limited amount of publicly available information about the standard Wind River Financial contract. The company advertises that it does not lock merchants into long-term contracts, but it doesn’t state the duration of its standard merchant agreement. We have also located a merchant complaint that mentions a $25 account closure fee, which appears to be charged whenever a merchant cancels service. Aside from these details, there is no other information available about the company’s monthly fees, PCI compliance fees, pricing structure, or equipment lease policies.

Variable Contract Terms

Given Wind River Financial’s promotion of short-term contracts, it is likely that the company allows its sales agents some freedom to customize its rate and fee schedule for each merchant. It is unclear how competitive Wind River Financial’s contract terms are compared to the cheapest merchant accounts. Merchants are therefore encouraged to shop competitively and to ask about all applicable terms and fees (see: Fee Sweep). If you have any specific knowledge of the standard Wind River Financial merchant agreement, please provide that information in the comment section below this review.

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Response from Wind River Financial

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Wind River Financial Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate one negative Wind River Financial review, and this complaint does not accuse the company of being a ripoff or a scam. As noted above, the complaint was related to account closure fees and appears to be the result of a misunderstanding by the merchant.

Wind River Financial Lawsuits

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

Wind River Financial Customer Support

Wind River dedicates the majority of its marketing materials to its “After the Handshake” promise, a set of customer service initiatives that include dedicated account managers and 24/7 support. It appears that this emphasis on proactive customer support has helped the company avoid public complaints and lets it compare favorably to top rated payment processors for great customer service. It has therefore earned an “A” in this category.

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Response from Wind River Financial

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Wind River Financial BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Sole BBB Complaint

Wind River Financial currently has an “A+” rating with the Better Business Bureau and has been accredited with the BBB since December 2015. The company has received only one complaint in the past three years, and this complaint was related to billing or collection. It was appropriately addressed by the business and resolved to the merchant’s satisfaction.

What Merchants Say

The lone complaint filed against Wind River Financial describes continuous ACH charges after account cancellation:

On 2/24/17 I called their office and spoke with *****, a rep. I expressed that we were going to be no longer using the credit card switching our credit card merchant account over to PayPal. I asked about any fees once we stopped using the equipment. I was told by ***** that aside from charges we would incur if we used the equipment and accepted credit cards using their service… there WOULD BE NO ONGOING FEES, MONTHLY OR OTHERWISE. I took notes at the time of my phone call to document this conversation. I expressly asked if there would be any fees or charges once we stopped using their equipment. She replied “no”. She did say that we could start using the equipment again at any time if we wished. At that time we would incur fees. There were fees charged to us on 3/2/17. 4/3/17, 5/1/17, 6/2/17. Due to a lack of communication with our accountant – I did not realize that these charges were occurring until 7/4/17… when I saw an ACH charge from them on our checking account. Our accountant does our check reconciling so again, these charges were not noticed by me until that date. I called and spoke again with ***** – I reminder her of our conversation of 2/24/17. She recalled only that we told her we were thinking about ending the merchant account with them. I expressed that I was clear in my questions and that she told me there would be no further charges, as long as we did not use the equipment to accept credit cards. She said she would make sure they would not charge us the usual cancellation fee. I noted we were charged on 7/3/17. I do not contest the 3/2/17 charge – of $76.81. I do contest the charges of 4/3/17 $ 59.25 5/1/17 $58.75 6/2/17 $58.75 and 7/3/17 $58.75 Total $235.50 I called again on 8/25 and spoke with Jeff. I explained my dissatisfaction with the charges after March. He said he would have someone call me later that day. I received no call that day… or today 3 days later.

This complainant could have avoided the situation by taking all appropriate steps to cancel their merchant account without paying any fees.

An “A” Performance

In light of this solitary complaint and Wind River Financial’s ability to resolve the issue, we agree with the BBB’s rating.

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Response from Wind River Financial

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Truth In Marketing & Advertising

Key Points

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

Inside and Outside Sales Agents

Wind River Financial appears to utilize inside sales agents, outside sales agents, and traditional advertising to market its services. There is no evidence at this time that the company employs a large team of independently contracted sales agents, but it is possible that its regional sales managers oversee teams of independent contractors. We cannot find any Wind River Financial complaints that describe deceptive conduct by the company’s sales agents.

No Deceptive Advertising

The Wind River Financial website also does not promote any misleading rate quotes or unrealistic guarantees. If you suspect that Wind River Financial is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges. Overall, the company currently meets all of our requirements for an “A” rating in this section.

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Response from Wind River Financial

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Wind River Financial Marketing Example

Wind River Financial Logo

Our Opinion of Wind River Financial

An Above-Average Credit Card Processor

Wind River Financial rates as a reliable merchant services provider according to all available information. The company has amassed only two public complaints in over 15 years of operation, and there are no outward indications that it is engaged in deceptive sales tactics. As with any “A” rated merchant account provider, merchants are encouraged to review all contract terms before signing up for service and to compare its pricing to the top overall providers.

We rely on your feedback about Wind River Financial to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. 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 here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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