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MX Merchant Review

    Melissa Johnson

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Alpharetta, Georgia
Melissa Johnson

Melissa Johnson

Expert Analyst & Reviewer
Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.


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.

    Margaret Desjarlais

    Organization Name: East Coast Artisans Inc

    I have been processing through PPS for quite some time and have never had any issues, or so I thought. I received a call from a person at MX merchant informing me that I was being charged a PCI non-compliance fee from Priority Payment systems and that it was incorrect as I am PCI compliant and have always been. They showed me how to check my statement, which was available to me on their website, and where to find this fee. There it was 24.95 for non-compliance. They told me they were going to fix it and get me on a wholesale platform instead of a reseller platform. Let me back up a little and say, I never receive statements from Priority Payment Systems and have asked to have a monthly statement sent to me many time with no success. I do my PCI compliance form every year through MX Merchant and had no idea they were part of PPS. I thought they were just a compliance entity that PPS used. I will admit I have no clue how all this processing crap works and I just want to be able to trust my processor. Well this person from MX merchant continued by telling me they have terrible problems with Priority Payment Systems and that my processing fee I am being charged through them is 4.85% but they are going to make corrections and fix everything. Come to find out I have been being charged this 24.95 fee for several months and I am thinking “oh good I will get these fees returned to me and everything will get straightened out” Nope! I get nothing back. MX Merchant tech dept informs me I get nothing back. So now I have no idea what’s going on, who to believe or how to navigate this crap. Can anyone out there give me some advice about these companies?

    Jessica Dinsmore

    Hi Margaret,

    At this point, if you’re paying that much, they’re not sending you statements, and they’re not communicating, the absolute best thing that you can do for yourself is to go file a complaint on the BBB. Be sure to cite that they are damaging your business and hurting your bottom line, and they have failed to live up to their obligations. Demand your fees back and an end to your contract. Don’t let them promise renegotiated lower rates, etc. Get your money back and get out.

    Then go sign up with Dharma. They also use MX, so the platform will be familiar to you, but they’ll treat you SO much better and you’re going to save money. Good luck to you!

    Bonnie Best

    Organization Name: Best Face & Body, Inc

    I was unaware that Dharma and MX Merchant were created, owned and controlled by Priority Payment Systems. Beware, my fellow merchants! PPS has sent my account to a collection agency called Oxygen and attempting to collect approximately $2300.00 in credit card charges. My business closed down by CA government Covid shutdown order on March 21, 2020. I had no disputes or chargebacks before that time. They are claiming a $700 charge was not paid in January 2020 even though everything was running smoothly and I received no notice of any problems. PPS is also charging me according to a contract I supposedly signed, for 3 months of fees owed for not giving notice that I was closing my account. I guess a global pandemic forced closure means canceling my account. I chose Dharma because of their environmental commitments and had no idea that PPS was involved. They are a dishonest outfit and do not deserve to be in business. I feel betrayed by Dharma, abandoned and forced to deal with Priority Payment Systems. Research better than I did and find out before disaster hits and you are in bed with thieves and pirates. Good luck to all of you brave survivors.

    Sarah King

    Organization Name: Angel Gilding Ltd

    We recently had a bad glitch with our payment processing which required me to phone MX Merchant. Two of the support people I talked to told me that they worked for Priority Payment Systems and that, so far as they knew, MX Merchant was just the online wall paper for Priority Payment Systems. I had a very bad and expensive experience with Priority Payment Systems years ago so I was very distressed to find that I was, without knowing it, working with them again. Fortunately for me, we use Dharma as our merchant service provider and Dharma was able to bully (it took two days and several phone calls) Priority Payment Systems into fixing the problem they caused at no charge to me. I write this because your review implies that MX Merchant and Priority Payment Systems are two separate companies. I strongly suggest that you investigate further.

    Alyssa Alfaleet

    Organization Name: Fit & Kick, LLC

    I am so happy I found MXmerchant, and I actually signed up through priority payment systems and am pretty happy with them.I run a martial arts school that is big, but not big enough to want to use the systems designed for large gyms and fitness centers. Way too many tools I dont need and way too expensive.I have been able to work MXmerchant into my registration process online for new students, and the autopay function is really easy to use. I wanted to punch quickbooks in the face for how hard it was to change contracts when a family made a special request (10 + minutes worth of work). With MXmerchant it is 30 seconds.I also love the optional layers of security you can add. A lot of foot traffic comes through my school and its nice to know it’s really hard for anyone to get into my payment system.I still use Quickbooks for my accounting, but I switched over to payroll mate for tax management and I use formstack for registration. If you want to see how I made it all work together, you can look at my website. Hope this helps other businesses like mine, and save you a lot of headache trying to make it all come together.

    John ONeill

    Organization Name: Chefs For Seniors

    MX Merchant has been great for me, I use it thru Darmah. Perfect for my small biz, a personal chef, I go home at end of a day and run my charges via the dashboard, super easy to use and I don’t need any bells or whistles so the basic version is what I need. I don’t run mPOS do all my billing at home. I have only had to call them once, a minor issue on the user end, they squared me away in 2 sec flat. Payment takes 5-7 days to show up in my bank account


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