Advertiser Disclosure

Total Merchant Services

See Top Picks

Total Merchant Services Review

This merchant accounts provider suffers from expensive fees and a lack of a transparency, but may be a good choice if customer service is your top priority.

    Frank Kehl
  • 73 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing 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.
Frank Kehl
View Frank Kehl's professional experience on LinkedIn.



We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

Sources

To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.
Leave a comment

73 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.

    tom

    Organization Name: galaxy

    this is possibly the worst company in the entire U.S. I have so many bad encounters with them it would take a 1000 page book to cover. first the salesman ripped me off, then the company debited my account for a charge back that never happened. they had lead me along now for two months over 189 dollars. do not ever do business with them.

    1
    • Organization Name: galaxy

    This comment refers to an earlier version of this review and may be outdated.

    Robert Savage

    Organization Name: In-N-Out Mart

    Beware of this company. I investigated and started to set up credit card processing with this company so that we could take EBT cards. Never got fully set up, never got approval to take the EBT cards, and never ran a single transaction. Notified them we cancelled. (They later even acknowledged that to me). They continued to charge monthly fees. 4 years later they turn me over to collections and demand I settle with them! They say that they won’t shut the monthly fees down either because the account can’t be closed with an outstanding balance.As I said, BEWARE!

    1
    • Organization Name: In-N-Out Mart

    This comment refers to an earlier version of this review and may be outdated.

    Perry Gupta

    Organization Name: Blossom Custom Arts

    This company is company of thieves I need to terminate my account.They said i have to pay fees Which i have never signed for, I did clearly talk with the Total Merchant Services when i opened my account that it should be cancelled anytime.I told them show me document i have signed. Then he said I Dont know anything but you have to pay fees.Moreover he said talk to the person who initiated service for you like they Dont know who opened my account like they dont keep that in system who opened my account total BS.He said we are not Total Merchant services we are North American bank you are calling on wrong no.I called the Toll free no. which is on website of Total Merchant Services.I am gonna take to the court. They dont know whom they are messing with.They gonna pay for it big time anyone who has same problem with them contact me.I am gonna run the Facebook and Google campaign too. He said let me call someone then he hung up on me.Just dont believe these people dont go for their service you will regret.

    1
    • Organization Name: Blossom Custom Arts

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

    Isa Veiga

    Organization Name: Elite Salons "hairstoyou"

    Total merchant is sneaky and has poor handling of customers. You have been advised. The fees are high and you better stay on top of your statements because they make changes and not inform the clients .

    1
    • Organization Name: Elite Salons "hairstoyou"

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

    Tammy Taylor-Evans

    Organization Name: Best Buy Pawn

    Total Merchant Services have turned into crooks taking our money with fraudulently fake fees I have been a customer for years up until they closed our account from filing complaints with feds, better business bureau and they didn’t even send us a letter or warning so this cost us money until we found another merchant. They charged us for 2 machines for over a year1/2 along with some made up fees when we finally caught it and brought it to their attention they admitted fault but would only reimburse us for 3 months we declined that offer then it went to 6 months declined it as well! $1400 is what they owe us that was deducted out of our checking account! This company has turned into a rotten bad apple stealing from business owners! Don’t use this company BEWARE RUN FIND ANOTHER MERCHANT THAT IS HONEST AND DOES THE PAYING CUSTOMER RIGHT!

    1
    • Organization Name: Best Buy Pawn

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

    Pavith Hemachandra

    Hi, Quick Questions. What are the other companies which provides these services?

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

      Jessica Dinsmore

      Hi Pavith,
      There are lots of options, but here is a comparison chart of our favorite Merchant Account Providers. You can also try our filtering tool to see recommendations for your specific business needs.

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

        Mark

        Don’t under any circumstance use these thieves. Tons of hidden fees, no customer support, fees are not as described by independent agent, charge back system issued before even contacting merchant, getting account info is a pain in the butt. 2 websites and one not even run by them. Run as fast as you can.

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

          John Morman

          Awful service. Consistently late depositing our funds: on weekends deposit the slow Sunday, keep the higher Saturday deposit and blame the bank for not transferring the money. Don’t return phone calls. Don’t send updates on queries after promising to do so. Machines don’t work reliably — they are tied into AT&T in a region where AT&T has virtually no coverage.In short, don’t go near this company.

          1

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

            Janice Bradberry

            Started off great then the excessive charges from them started. I would never recommend this company. Customer Service is a joke and the rudest people I have ever dealt with they are total jerks. They are rude and the word “Service” is unknown to them. I have discontinued the service and am waiting for the bomb to drop with charges. If this happens I am prepared to get an attorney involved. Run from anyone selling this service!!

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

              Anthony Saenz

              I have had nothing but trouble with this company. It was nice at the beginning and then I started getting “okie doke” chargers in December of 2015… Other fees that I was not made aware of until I got them. When I asked about no disclosure… I got the answer.. “Thats the way we do it.’ Wow talk about customer service.. It does not exit. In December I got got my “tipping point”. On the 19th, 2016 I awoke to a alert that my bank account was negative $700.00 I went on line to see that Total Merchant Services charged my business account three charge backs totaling $903.00. I did not have any business or money put into my account for actual business. I contacted Customer Service at Total Merchant Services and they told me that they money came out of my account on charge backs on business I had done in the last week.When I told the young woman that there was no money in the account and no business that week… She went silent. After a long hold she came back and said that was a form for me to fill out to see if they could get my money back… I smelled “Fraud”… I went to my bank the next day and put a stop payment on the $903.00 exodus….. I stopped my service with TMS with an e-mail and letter. Also I returned their equipment to them – registered insured mail. They are still trying to collect on money that was never there to begin with…. Not at all honest. Do not do any business with these people under any circumstances…

              1

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

                S&L Farm

                Don’t use proxy if you are a small business. They still are charging ETF and I was lied to by the salesperson. I have been paying the seasonal vendor fee each month for over a year to avoid having my bank account charged $299.00. It increases at whim went from 14.00 to 19.00 in Nov 2016 without warning. Do not use TMS unless you have a lawyer on retainer or are a very large entity

                1

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

                  Jeff Herbst

                  They have ripped me off. I tried to end my contract 2 years ago they continued to take money out of my account until last month. I sent back my equipment 2 years ago when i thought i ended the contract. Now they are trying to get me to send it again. The person who set me up opened accounts by changing figures on a contract i signed and re coping it. I’m going to file a police report and call the better business bureau. They have taken over $2000 out of my account and provided no services.

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

                  More Comments

                  Leave a Reply

                  Your email address will not be published. Required fields are marked *

                  Your Review

                  Comment moderation is enabled. Your comment may take some time to appear.
                  Please read the "User Review and Comment Policy" before posting.

                  We recommend Square Credit Card Processing to UK businesses 🏆

                  Square Payments is a secure and reliable credit card processing platform. It's advanced solutions and broad feature-set makes it a great fit for most businesses.

                  Get Started

                  No credit card required

                  We Recommend Stax by Fattmerchant 🏆

                  We love Fattmerchant as a credit card processor for its predictable pricing, excellent service, and integrated billing features. Get started today and get your first month for $5 with an exclusive Merchant Maverick promo.

                  Get Started

                  Get started with no commitment today.

                  Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                  Sign up for the Maverick Newsletter

                  • Please select topics of interest

                  • We occasionally send out emails with special offers.
                  • This field is for validation purposes and should be left unchanged.