Durango Merchant Services Review

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Date Established
1999
Location
Durango, CO

Pros

  • Specialists in placing high-risk merchants
  • Offers offshore accounts for international merchants
  • Fair pricing and contract terms
  • Offer credit card terminals for direct sale
  • Dedicated account manager for customer service

Cons

  • Mobile processing solution is magstripe-only
  • Website needs an overhaul

Overview

Durango Merchant Services is a merchant account provider headquartered in (naturally) Durango, Colorado. The company has been in business since 1999 and has earned an excellent reputation for serving the high-risk merchant community, as well as international merchants and even traditional low-risk merchants. If you’re in the high-risk category and have had difficulty getting approved for a merchant account, we highly recommend that you check them out.

We’re normally very leery of merchant account providers that market to the high-risk sector. Many of them are pretty shady, offering fast and guaranteed approval to merchants who’ve been repeatedly turned down for a merchant account. Unfortunately, they’re more likely than not to quickly approve your account so they can lock you into a long-term contract with exorbitantly high processing rates and a host of inflated account fees. High-risk processing is never cheap, but it doesn’t have to be a complete rip-off, either. Durango Merchant Services is one of the few completely reputable, honest, and fair merchant services providers who advertise as high-risk specialists.

Truth be told, many high-risk merchants don’t even realize that they’re high-risk until they begin to pursue a merchant account. But then, after a string of rejections, they get desperate and willing to work with whoever will take them. This is a huge mistake. If you’re running an honest business that just so happens to be high-risk, you deserve to work with a dedicated partner, not some processor looking to take advantage of your desperation. Durango will deliver the kind of exceptional service our other 5-star processors do, with the added benefit of expertise in high-risk accounts.

Your rates and fees will depend on your business category, risk level (higher risk equal higher rates), length of time in business, processing history, and credit history. Durango will act with integrity and treat you fairly, regardless of your business type. They’ve had only one complaint with the BBB in the past three years and very few elsewhere. I recommend them not only to merchants with higher than average risk but any merchant looking for quality service and industry excellence, especially eCommerce merchants.

Durango earns a stellar 5 out of 5 stars rating overall. Note that this rating applies only to their high-risk and offshore merchant accounts. While we haven’t seen any negative feedback from low-risk merchants, their highly customized pricing and lack of standardized fees or contract terms leave us with an inadequate amount of information to provide a reliable rating in this area. If you’re a low-risk merchant and are considering them, we recommend that you obtain a free quote and compare it to what other providers are offering you. Read on below for more details, or get started with Durango.

Get Started With Durango

Products & Services

Durango offers a full array of products and services for both high-risk and low-risk merchants, including the following:

  • Merchant accounts: The company partners with a wide variety of banks and processors to get you approved for an account, regardless of whether you’re high-risk or not. They specialize in finding accounts for merchants with low credit or who have found themselves on the Terminated Merchant File (TMF) or MATCH List.
  • International merchant accounts: If you’re an international merchant looking to do business in the United States, Durango has you covered. They offer international merchant accounts that include currency conversion services, support for multi-currency accounts, and additional fraud prevention services. International accounts are available in Australia, France, Germany, Italy, Mexico, The Netherlands, Panama, Spain, the United Kingdom, and other countries not listed on their website.
  • Credit card terminals: Rather than try to sign you up for an overpriced equipment lease, Durango offers a variety of terminals, PIN pads, and mobile card swipers for direct sale on its website. Prices are disclosed for most models, with this cost including both software load installation and free equipment setup. The company’s equipment lineup is quite robust, with models from Verifone, Hypercom, Ingenico, and others. Some models support EMV and NFC-based payment methods, so be sure to select a model with at least EMV compatibility.
  • Mobile payments: Durango uses the third-party iProcess app (available for both iOS and Android) and the encrypted iPS Mobile Card Terminal to give you a mobile smartphone or tablet-based processing solution. While both the app and the card reader are free, be aware that the card reader is magstripe-only and doesn’t support EMV or NFC-based payment methods. The iProcess app offers a basic set of functions, but hasn’t been updated in nearly a year. Reviews from users have mostly been negative, with compatibility problems a common concern for Android users.
  • Durango Pay™ Gateway: The company’s payment gateway is a proprietary product, but it’s got a robust set of features including support for recurring billing, a secure customer information vault, and a gateway emulator that will make switching over from a different gateway much easier. It also includes a virtual terminal that will allow you to process card-present transactions from any internet-connected computer with an optional card reader. There’s no gateway setup fee, but you may have to pay a monthly gateway fee, and possibly a small per-transaction fee as well.
  • Online shopping cart integration: You can use either the company’s proprietary Durango Cart™ or a variety of third-party carts that integrate with the Durango Pay™ gateway.
  • eCheck (ACH) processing: This includes a number of services to reduce and even eliminate the chance of bounced checks, and a number of additional services to allow check acceptance via the web or by telephone. Expect to pay an additional monthly fee for this service.
  • Fraud protection services: For high-risk merchants, fraud protection should be high on your priority list. All Durango merchant accounts come with several anti-fraud services, including Verified by Visa, MasterCard SecureCode, Fraud Scrubbing, and eCheck Demand Draft.

Fees & Rates

When evaluating a merchant account provider, the first and most important question merchants have is, “How much is this going to cost?” Equally important issues such as contract terms, product features, and customer service quality often get overlooked in favor of the impact on a merchant’s bottom line. While this is true for both high- and low-risk merchants, those in the high-risk community start at a disadvantage for two reasons. First of all, high-risk processing inevitably costs more than low-risk processing. Processing rates are higher, account fees are higher (and there may be more of them), and contract terms tend to be longer and more expensive to get out of. Second, very few (if any) high-risk providers openly advertise their rates, fees, or terms on their websites. While you might think they just don’t want to reveal how high their costs really are, the real reason (in most cases) is simply that pricing has to be customized for each merchant based on a myriad of factors. There simply is no “one size fits all” pricing like you’ll find with providers like Square (see our review).

Durango is no exception to this general rule, and in fact, they disclose almost no information about pricing on their website. Unlike most other providers, however, they do discuss the factors that go into determining pricing for a given merchant, and they explain why it’s simply not possible to list a set of standard fees when pricing will vary widely from one merchant to the next.

The only clear disclosure Durango offers is that they do not charge an account setup fee for any merchant, high-risk or otherwise. With most providers no longer charging account setup fees, this might not seem like such a great deal. However, high-risk accounts require a lot more work to set up than traditional, low-risk accounts, and most high-risk providers will charge you for this service. It’s to Durango’s credit that they give you a break on at least this one fee.

While the company doesn’t disclose any specific information about processing rates, they do note on their website that most high-risk accounts will be set up with a tiered pricing plan. We’re not fans of tiered pricing due to its lower transparency and higher overall costs, but for a new high-risk business that’s just getting started with accepting credit cards, it may be the only choice you’re offered. Nonetheless, we encourage all merchants to at least ask for an interchange-plus pricing plan when negotiating the terms of their account. Regardless of which plan you end up with, be aware that, as a high-risk merchant, your rates will almost certainly be higher than what a similar low-risk business would be offered.

You should also be aware that most high-risk merchants are assigned a rolling reserve as part of setting up their accounts. A rolling reserve holds a certain percentage of your funds each month as a hedge by the processor against excessive chargebacks or the possibility that you’ll go out of business. Rolling reserves gradually decrease over time, and eventually, you will get your money back. However, they can create serious short-term cash flow problems for a small business that’s just getting started. Fortunately, Durango Merchant Services is one of the few providers we’ve seen that openly discusses rolling reserves on their website. They’ll also thoroughly explain the mechanics of how the reserve works when setting up your account, so at least you’ll know what’s coming once you start processing.

Get Started With Durango

Contract Length & Early Termination Fee

We’ve found in reviewing dozens of merchant account providers that a provider will usually only advertise its contract terms if it offers month-to-month billing with no early termination fee to all its merchants. Very few providers offer such generous terms, although more and more are moving away from long-term contracts all the time. Durango doesn’t disclose its contract terms for several reasons. For one thing, the company works with over a dozen banks and processors to place your account, and contract terms will vary widely among them. Also, the same factors that influence the kind of processing rates and account fees you’ll have to pay also come into play in setting the terms of your contract.

While we encourage every merchant to ask for a month-to-month contract, as a high-risk merchant you should be prepared to have to accept an industry-standard contract instead. This contract will usually have a three-year initial term with an automatic renewal clause for one-year periods after that. Your contract will also most likely include an early termination fee of around $500 if you close your account before your contract expires. The unfortunate reality is that your provider wants to ensure that their relationship with you will be profitable to them, and the easiest way to do this is by locking you into a long-term contract and imposing a hefty termination fee to discourage you from breaking your contract.

As we’ve discussed above, high-risk merchant account contracts frequently also include a rolling reserve. While Durango’s sales representatives do a much better job of explaining how this works to merchants than most providers, it also means that you’ll have little or no chance of avoiding a long-term contract. With a rolling reserve taking a significant chunk out of your sales every month, however, you probably won’t want to break your contract and switch providers until you’ve lifted the reserve and gotten your money back.

Sales & Advertising Transparency

Durango Merchant Services has a nice website that’s easy to navigate and has a very polished design. As we’ve discussed above, you won’t find very many specific disclosures, particularly about pricing or contract terms, due to the unique nature of setting up high-risk accounts with so many different backend processors. The company deserves credit, however, for providing more information about how high-risk accounts work and how they’re set up than most of their competitors will offer you. Unfortunately, the site itself looks like it could use an overhaul. We found a lot of poorly-worded, grammatically incorrect copy on multiple pages, as well as numerous dead links that need to be updated. We’d like to see this aspect of Durango’s marketing efforts improved, as a professional, error-free website is critically important to establishing credibility with merchants, particularly when focusing on the high-risk community.

The company employs a combination of in-house sales representatives and independent agents to market its accounts, and even recruits affiliates on their website. While independent agents have a bad name in the processing industry due to their frequent use of high-pressure sales tactics and failure to disclose important contract terms, this doesn’t appear to be a problem with Durango. We haven’t found any complaints from merchants regarding the company’s sales practices, either from in-house staff or independent agents. We take this as a reliable indicator that the company does a good job not only in educating their agents before sending them off to sell accounts, but also in supervising them while they’re on the job. We’ve even found a surprising amount of praise for the company’s sales team from merchants, something that’s almost unheard of in this industry.

Durango has a social media presence on Facebook, Twitter, and LinkedIn. While the company’s posting activity has dropped off precipitously in the last year, these accounts still provide links to valuable insights on Durango’s blog. We’re also glad to see that the company allows user reviews on their Facebook page, where they currently enjoy a 4.2 out of 5 stars rating from merchants who’ve given them a grade. While only one user has taken the time to leave a written review, it’s a very positive testimonial for the company.

Customer Service & Technical Support

Durango offers customer support via both telephone and email. They’re available Monday through Friday, 8:30 AM to 5:00 PM (Mountain Time). Although we’d prefer to see true 24/7 support, we realize that most companies that offer this feature usually resort to outsourced support agencies to cover the time outside of regular business hours. So, while you might be able to reach a human in the middle of the night or on the weekend, he or she will often lack the training or authorization to handle anything beyond simple technical problems. Our biggest concern with Durango’s customer support hours is that they make it extremely inconvenient for international merchants to contact the company. If you’re an offshore merchant using Durango to do business in the United States, be aware of the time zone difference and how that will affect you. If this applies to you, email is probably a better avenue for contacting customer support.

The company also has a policy of assigning a dedicated account manager to each merchant. This means that you should (in most cases) be talking to the same person every time you contact Durango for support. High-risk merchant accounts invariably require more assistance than traditional, low-risk accounts, and it’s very handy to be able to develop a relationship with a single point of contact within the company who will understand your needs better than a random customer support representative.

While Durango’s customer support hours aren’t ideal, the quality of the service they provide is excellent. Many merchants and reviewers across the web have joyously heralded the company’s customer service as completely unlike any other high-risk-focused provider. Dealing with high-risk accounts is a lot more work than a standard account, especially on the customer service end. Complex questions and obstacles come up frequently. That Durango has such an outstanding reputation for customer service is truly extraordinary.

Negative Reviews & Complaints

Durango Merchant Services has been accredited by the BBB since 2006 and currently has an A+ rating. We’re often skeptical of companies that, after having paid to get BBB-accredited, still manage to maintain an A+ rating despite dozens of complaints. However, that’s not the case with Durango. Their BBB profile currently shows only one complaint within the last three years, and zero complaints within the last twelve months. Better yet, the BBB profile also has one very positive review from a merchant. This is very unusual, as most customers use the BBB to complain about businesses, not praise them.

There’s also just one complaint against the company on Ripoff Report, but it’s from 2012 and was resolved to the merchant’s satisfaction. Since Ripoff Report never takes down complaints that have been filed, it will still be there for as long as the website is functioning.

We’ve also received a small amount of criticism of Durango in our Comments section below. Most of the negative reviews come from merchants who were turned down for an account by the company. Unfortunately, even the best high-risk providers can’t approve everyone. There are always going to be situations where, for one reason or another, Durango won’t be able to match you up with a processor. Surprisingly, some merchants who’ve been denied by the company have actually left positive reviews of their experience, citing Durango’s professionalism and willingness to explain in detail why they were not able to approve an account.

Positive Reviews & Testimonials

There are 31 reviews of Durango Merchant Services on the Better Business Bureau’s TrustLink website, with 28 out of 31 reviewers rating them at 5 out of 5 stars. The company also offers a Testimonials page on its website that includes excerpts from some of these reviews. As we’ve noted above, there’s also a lot of positive feedback about Durango on the company’s Facebook page.

Qualities that are most frequently praised include the following:

  • High approval rate: Even when a merchant has been previously denied multiple times by other providers, Durango can usually find a solution for almost any business type, US-based or international.
  • Quick, reliable setup: While you might expect a ton of delays for setting up a high-risk account – and it certainly can take longer than a standard one – Durango is usually able to expedite this process and get you started in a short amount of time.
  • Excellent customer service: This is, without a doubt, the most important feature in my mind, especially with high-risk merchant accounts. They’re high-risk for a reason, namely increased possibility for chargebacks and fraud. Given this, a high-risk merchant will need more support (and more competent support) than a standard account holder would. Durango passes this test with flying colors, according to the reviews I’ve seen.

Final Verdict

No merchant account provider is ever perfect, and high-risk providers often come with more than their fair share of problems. Durango Merchant Services stands out from the crowd by offering fair pricing in a segment of the market that’s notorious for charging highly-inflated prices. They invariably provide excellent solutions to complex merchant situations. And if they can’t work with you for whatever reason, they’ll be straightforward and honest about it.

The company also has customer service that far exceeds the industry standard, and a sales team that features honest, knowledgeable staff. They provide the expertise needed to set up international merchants from basically any country in the world, and to deal with fraud proactively and effectively.

With so much going for them, it’s only natural that we would award Durango Merchant Services a coveted 5 out of 5 stars rating. As we’ve noted above, this rating applies mainly to the company’s high-risk and offshore accounts. We simply don’t have enough feedback to gauge how well their low-risk accounts measure up against their competitors. However, their ability to work with a large network of processors might very well allow them to find you a better deal on processing than you’d find with a direct processor or a provider that only works with one or two backend processors.

Durango clearly qualifies as one of the best high-risk merchant account providers in the industry. In fact, they’re probably the “best of the best” for high-risk businesses looking for a merchant account. Give them a try!

Get Started With Durango

Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
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41 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Elaine

    I’m interested in pursuing a merchant account with Durango and was wondering if there are services that can help with the negotiation process? I’ve checked out Cardfellow, but Durango is not supported, probably because they require a contract. I have an online training business and have not accepted credit cards before.

      This comment refers to an earlier version of this review and may be outdated.

      Jessica Dinsmore

      Hi Elaine,

      We actually have a blog post that can help you navigate the negotiation process! I think you’ll find it helpful. Durango may be a good option for high risk businesses, but if you’re not high risk, you’d be better served by any of our top rated merchant account providers.

        This comment refers to an earlier version of this review and may be outdated.

        sony

        i have professional website design business and i want online merchant account help me if someone knows how to get merchant account payment getaway for high volume 1st party merchant. can i apply straight from bank in usa high amount merchant or for tech support business how i get merchant please help

          This comment refers to an earlier version of this review and may be outdated.

          Jessica Dinsmore

          Hi Sony,

          Instabill is definitely the way to go for tech support businesses. Best of luck to you!

            This comment refers to an earlier version of this review and may be outdated.

            steve

            I just applied at durango and was sent back an e mail saying we don’t fit their business model. wtf I thought they did high risk. we sell nutraceuticals.

              This comment refers to an earlier version of this review and may be outdated.

              pat

              Hi, I’m trying to get a merchant account or some thing to run credit cards on, I keep getting denied and my bank statements are weak at best. How can I get a merchant account with this god awful credit? Should I change company names?

                This comment refers to an earlier version of this review and may be outdated.

                Jessica Dinsmore

                Pat,

                If you haven’t already tried Durango, I suggest you give them a shot. They usually don’t have any problem with bad credit, unless it’s very bad. Otherwise, you can give a third-party processor like Square a shot. Third-party processors are usually more lenient when it comes to bad credit.

                  This comment refers to an earlier version of this review and may be outdated.

                  Enzo

                  HiI am looking for a high risk merchant account.I am running a trial offer in the Nordic region promoting a male enhancer product.I am looking to accept Visa and Master card with reoccurring payments.Would this company be a good option for me ?I got no processing history Would appreciate any help :)Best regardsEnzo

                  4

                    This comment refers to an earlier version of this review and may be outdated.

                    Chloe Bahal

                    Hi Enzo,

                    It wouldn’t hurt to try but you might have better luck with Instabill.

                      This comment refers to an earlier version of this review and may be outdated.

                      sony

                      hello brother please tell me which bank will give merchant facility i have professional website design business with no work history i want online payment by credit and debit card if someone knows please tell me how to get merchant account payment payment please i’m very thankful mgs me
                      sonybains2411@gmail.com

                        This comment refers to an earlier version of this review and may be outdated.

                        Billy

                        I suggest you patiently study a list of highest rated merchant service companies and then see which has overall fewest complaints. Then contact each of those sites customer support and see which ones answer friendliest, fastest, and best described of their procedures. Then you’ll know where to start from.

                          This comment refers to an earlier version of this review and may be outdated.

                          Kristy

                          I just would like to take a minute to thank you for your website and all the help you offer to new businesses as well as businesses who need a bit of extra help be it due to products we sell/our credit/options we have etc. I ran an online shop 10 years ago and though so much as changed much still stays the same 🙂 — One thing that has changed is the barage of the 3rd party payment processors who are out there now and after a couple of hours reading through your site and popping in and out to check things out I truly feel very educated 🙂 — High Risk scares folks because they honestly have no clue what it’s like out here when trying to get a merchant account – starting up a new business I’ve learned the meaning of that once before and rather than reach forward to stars I know I can’t catch starting up a new company I was happy to see your site with all it’s comparisons and honest upfront conversational articles as they have given me a great deal to work with. I just filled out a quote request with durango (I’ll let you know how that goes!) but too because I chose the store platform I did (SparkPay Stores) I’m able to incorporate more than one payment method so I’m looking into also incorporating Paypal or Stripe (Square (www.squareup.com) offers online payments too for your own shops already set up elsewhere or a shop with them and is worthy of checking out and doing a comparison for us 🙂 But I appreciate your thorough review of both paypal and stripe. I’ll offer a quick opinion here but if it’s better used on that page let me know and I’ll place a comment there for you. One thing that I don’t like about Stripe is how long it takes to get your money ie two day roll-over. Paypal Pro is immediate but a costly immediate. I’m only worried about stripe because I’ve not used it before but I will try it and see how it goes because the costs are much more friendly be it just to try them out or use them regularly. I wish Paypal would come down on their fees but they know they have the market through ebay and such so they can run your business in the ground if you don’t watch out. That’s one thing that shop owners I think should watch out for is the overall cost of doing biz because too quick and without warning you can find yourself on the verge of losing your business before you get going. That is another reason why am so thankful to have found you because had you not of gave me such great information for both merchant accounts and 3rd party accounts I may have made the mistake of going with someone who has a bunch of hidden fees or wasted a bunch of credit inquiries on my report because I sell jewelry and it’s one of the goodies that’s considered high risk for chargebacks which most folks don’t know nor would they expect. Having sold it before I knew but I didn’t know who to seek out that would keep me from running circles like a dog chasing it’s tail getting turned down or wasting a lot of time losing sales while I researched all the things you did for us. So there’s a great deal of gratitude coming your way from me for all you have provided here on your site. I look forward to keeping up with your posts and hope you’ll add me to your mailing list for newsletters or updates if you offer those! So many thank you’s from The Jypszy Trading Post and we look forward to reviewing your site more as well as future posts etc. Would also love to know if you have a way that we can ask you things in general that you may be interested in doing future posts on – if so please share as I’m sure there’s lots of questions out here as well as things folks do they may would like to share with you to let you share with others just because without each other I don’t think we could make it out here in this wild untamed (still and thank goodness for it 🙂 internet world.

                          5

                            This comment refers to an earlier version of this review and may be outdated.

                            Mark

                            Anyone know a high risk merchant that will take on a small collection company?

                              This comment refers to an earlier version of this review and may be outdated.

                              Chloe Bahal

                              Hi Mark,

                              I would recommend Durango Merchant Services, Payline Data, or Instabill.

                                This comment refers to an earlier version of this review and may be outdated.

                                Deborah

                                I recently applied for an account with Square. I went through the entire process, shared banking information, etc. and then was told my account was terminated. I was never given a reason and I could not contact Square to find out the reason.

                                Many years ago I was scammed via PayPal which caused a deficit with my bank and with PayPal as well as the IRS. I took care of (or so I thought) the issue after numerous faxes, etc, to the aforementioned account holders. But, I just found out that I still owe PayPal funds but have not been able to contact anyone to find out why or/and how much.

                                I just want to be able to send invoices and accept payments so i can continue to sell toys (via Facebook) on line and break away from a silent business partner.

                                HELP>>>>>

                                  This comment refers to an earlier version of this review and may be outdated.

                                  Junior

                                  Hi community,

                                  I currently am having a difficult time getting approved for merchant services. I was first approved through authorize.net and my merchant account was approved through PowerPay via authorize net. 2 days later, my account was closed so I ended up closing my authorize gateway too. I called PowerPay and they said their policy does not accept the sale of gym shoes. I read their policy and it indeed says they do not accept the sale of knock-off athletic shoes, problem is I run an ebay store selling authentic shoes, although I have some negative reviews disclaiming my authenticity of products (reason why paypal limited me). I have about 5 negatives out of 93 positive reviews….people online consider this amount of negatives is high. Amad considered ebay stores high risk in his article. PowerPay had this information (my ebay store link as the website) and they did not even attempt to ask me for any verification of my products. Do you think they reviewed my ebay store feedback?

                                  I got suspended on Paypal for providing receipts which they did not accept and permanently limited my account which was holding 2 grand and they said they will not return it for 180 days. I have 8 grand in inventory and I am losing money every day, please help me. Is my business considered high risk? I am starting to believe so. I move around 20pcs/month (high ticket – $300-$999) Many are scam buyers through ebay too though. I hear a lot about Durango Merchant Services…is this good for ebay store? (as long as it links to authorize.net gateway)

                                  …I am losing my mind, I am currently involved in an underwriting process with MerchantFocus but they have the SAME prohibited list as PowerPay that includes “knock off athletic shoes”. I have not heard from them in 48 hours. Do these merchant companies ever notify you of DENIAL? Maybe I am impatient and will receive my decision tomorrow perhaps?

                                  PowerPay also did NOT tell me my account was closed. I actually had to call these knuckleheads to find out..no email, phone call, …nothing! I am so sorry for the long post…I hope everyone reads it all though…please help me any help is greatly appreciated.

                                  Regards,

                                  Junior

                                    This comment refers to an earlier version of this review and may be outdated.

                                    pradeep

                                    we are a tech support company please assist me which gateway is best for our business . we are a start up company …..
                                    thanks

                                      This comment refers to an earlier version of this review and may be outdated.

                                      Chloe Bahal

                                      Hi Pradeep,

                                      I would recommend taking a look at Instabill.

                                        This comment refers to an earlier version of this review and may be outdated.

                                        manish kaushik

                                        DMS set us up with h2opay.net

                                        Who scammed us for 5000 usd .

                                        I do not recommend them at all.

                                          This comment refers to an earlier version of this review and may be outdated.

                                          Amad Ebrahimi

                                          Manish,

                                          Can you tell us how you were scammed out of $5000?

                                            This comment refers to an earlier version of this review and may be outdated.

                                            kenny terizak

                                            im looking merchant for drinks and party events?

                                              This comment refers to an earlier version of this review and may be outdated.

                                              Chloe Bahal

                                              Hi Kenny,

                                              We have a great filtering tool that you can try here. I hope this helps and if you have further questions please let me know.

                                                This comment refers to an earlier version of this review and may be outdated.

                                                Brian

                                                Hallo everyone, I stay in Kenya and I have been operating a local dating site, since we have a different merchant service which is pretty much less complicated my experience has been great. However, I want to invest in a bigger project that will include customers globally. I am fully aware how difficult it is to get accepted by merchant services outside the US especially now that I am in the high risk business. Can someone recommend a merchant service that caters for countries outside the US or Kenya to be specific that is less dramatic. I have had of crazy stories about paypal and maybe an alternative merchant will help me set up my business smoothly. Will highly appreciate your ideas.

                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Qasim

                                                  I am consulting for a multi level marketing firm and is in need of a reliable processor. We are listed as high risk by most industry standards but have a solid business model along with financial information to support the projected sales. Please recommend. Thanks.

                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Tom DeSimone

                                                    Hi Qasim,

                                                    Durango or Payline Data are your best options based on the companies we’ve reviewed. The solidity of your business model and sales projections will not be as important to processors as the perceived risk of fraud, illegal activity and chargebacks associated with your business type. Definitely talk to these two processors, though. They specialize in high-risk accounts.

                                                    Best of luck,
                                                    Tom

                                                      This comment refers to an earlier version of this review and may be outdated.

                                                      Uduak

                                                      Durango is great. They rejected us last year and they explained the reason to us. They seem like they are not human. A guy called Nathan Counley handled our case. It felt like we were getting free consultancy service. Even though they did not accept us, I will rate them 5 stars.

                                                      5

                                                        This comment refers to an earlier version of this review and may be outdated.

                                                        Pledged Plugins

                                                        Durango is great for high risk transactions — if you have WooCommerce you can now easily integrate your ecommerce platform with the Durango payment gateway.

                                                          This comment refers to an earlier version of this review and may be outdated.

                                                          Nikhil

                                                          I applied to Durrango. Brad Jess handled my case. I think they are very professional. They declined my application though. I am not High-risk category business, have SSN, EIN, excellent credit history, have active accounts in Stripe, Braintree and provided 6 months of good credit card payment history. I won’t complaint because it is their decision to accept me as a merchant or not. I wanted to be with Durango because they provide a real merchant account which Stripe and Braintree do not provide. And they have got excellent reviews all over the internet.Anyway, all I wanted to say that they are very professional and answer all queries even if they are not interested to accept you as a merchant.

                                                          4

                                                            This comment refers to an earlier version of this review and may be outdated.

                                                            sajan surti

                                                            Hello,I contacted them but seems they do not support all high-risk businesses. I was disappointed by the fact that they would not accept us even when we are located in USA with SSN, EIN and a Bank account.Stripe accepted us, so did authorize.net, so did fidelity payments…but Durango didn’t. Even cardinal commerce is ready to provide their services to us.I think its time to remove them from the “Best for high risk” option and look at another.

                                                            1

                                                              This comment refers to an earlier version of this review and may be outdated.

                                                              Nathan Counley

                                                              Hello,We tried our best but we were unable to get Mr. Surti approved based on several reasons that we are not able to disclose publicly (please feel free to call myself or Brad Jess at 866-415-2636 x 4 or 2 to discuss these reasons again Mr. Surti). Mr. Surti is correct, we are not able to get “all” merchants regardless of circumstances or business model approved for accounts; certain merchants simply pose too much risk and unfortunately this was one of them. We have assisted many thousands of both low & high risk companies acquire direct merchant accounts since we opened for business in 1999, and our A+ rating on the BBB I believe attests to the honesty & integrity of our mission.Thank you,Nathan CounleyDurango Merchant Services, LLCwww.Durango-Direct.com

                                                              5

                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                Larry Taylor

                                                                Hello Mr. Surti, i have applied d for payment gateway with Authorize.net and got rejected. I have everything which requires to have it. Got easily a business paypal without any hassle and in a process with stripe. Need to apply for merchant account with company which accepts online Tech support business, we are not from Asia. we are located in U.S itself and doing legitimate business. Please help somebody. Thank

                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                  Chloe Bahal

                                                                  Hi Larry,

                                                                  I would recommend taking a look at Payline Data or Instabill.

                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                    Roman

                                                                    Does this integrate with shopify?

                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                      Amad Ebrahimi

                                                                      Roman, you can use Authorize.Net through Durango and it will integrate with Shopify.

                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                        Alfred, Sonia, & Brian Cardozo

                                                                        JUST APPLIED LETS SEE WHAT HAPPENS, HOPE ALL WORKS OUT IM SURE IT WILL!

                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                          Eddie

                                                                          I contacted Durango after I found out my business is considered higher risk. My representative Brad, is extremely professional & experienced…He helped me get all set up and the fees are fair. I would recommend Durango and Brad to anyone who needs a merchant account. The approval process was fast and amazingly not painful! Thanks Brad and Durango (& Merchant Maverick!)

                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                            Said

                                                                            I applied to CDG. They didnt want to take my account because they considered it “High Risk” since 100% of my clients are overseas.

                                                                            They referred me over to Durango. Durango answered back within 15 minutes telling me that they cant accept my account.

                                                                            I sell clothes, shoes and electronics on mywebsite.

                                                                            You state that this company “specializes mainly in high risk, overseas and internet based merchant accounts”.

                                                                            I guess not.

                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                              Merchant Maverick Admin

                                                                              Thanks for the comment Said.

                                                                              I don’t think that just because they turned you down, they should be discredited. Even the high-risk providers have certain underwriting guidelines, so there must be a legitimate reason why your account wasn’t accepted. Were you given a reason?

                                                                              I know you asked a question in the QA section, about this a while ago, and because of my lack of response, you were unable to use my help. That was my fault.

                                                                              I just sent you a PM, so let’s see if we can figure this out together. Ok?

                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                Nathan Counley

                                                                                Hello,This is Nathan Counley from Durango Merchant Services. Regarding the comment’s from Said, we unfortunately cannot assist *every* international merchant I’m afraid. We do work with international merchants outside of the US, Canada & EU, however our options are more limited outside of these 3 regions. We do feel that we have some of the stronger international solutions available for ecommerce merchants, albeit some countries and business models are restricted. If you have any questions or inquiries please feel free to contact us directly, as each account is reviewed case-by-case.

                                                                                5

                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                  Said

                                                                                  I am a merchant inside the USA who sells internationally. I am a domestic merchant with a Fed Tax ID #. Don’t know what the problem is. Paypal works with me, not sure why you guys can’t.

                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                    Nathan Counley

                                                                                    Said,It is true that a merchant that does not have a principal who is a US citizen (with a SS# with credit history) “cannot” get a US merchant account. US processing banks require a SS#, not only an EIN# to pull credit to verify their risk. Perhaps this is what you mean. Yes, PayPal can accept such merchants, but with direct processors in the US its not really an option I’m afraid. This isn’t a decision from Durango, its across the board with every processor in the US as far as we are aware.Again, there are many other factors that influence what the banks can accept, each account is reviewed case-by-case. Why don’t you give me a call at 866-415-2636 so we can discuss in person?Thank you,Nathan

                                                                                    5

                                                                                      This comment refers to an earlier version of this review and may be outdated.

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