TSYS Merchant Solutions Review

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Date Established
Omaha, NE


Total System Services, Inc. (TSYS) is a credit card processor with local and regional offices throughout the United States and the main headquarters in Columbus, Georgia. Although the company’s roots go back to 1959, it’s been an independent business entity since 1983. Not only is it one of the oldest processors in the industry, but it’s also one of the largest. With hundreds of thousands of merchants on board and an annual processing volume of over one trillion dollars, it’s second only to First Data in size.

A company this big is bound to have numerous internal divisions, and TSYS is no exception. The two divisions of primary concern to US-based merchants are TSYS Acquiring Solutions and TSYS Merchant Solutions. TSYS Acquiring Solutions serves as a third-party processor for other merchant account providers, including CPAY and many others. TSYS Merchant Solutions, on the other hand, is the company’s direct sales channel. This is where you would go in order to sign up directly with TSYS, rather than through a middleman, and I’ll focus solely on this division in this review. TSYS Merchant Solutions is based out of Omaha, Nebraska.

As you may know, there are many resellers (called ISOs/Agents) of TSYS that either contract TSYS for their processing platform, or act as referral partners for all of TSYS’ services. Some of those resellers are going to be ethical, and others are not. My advice would be to just go directly with TSYS Merchant Solutions for the most standardized and predictable experience. They have their own in-house sales team, and they can sign you up directly. There’s no need to go through a middle-man – unless that middle-man is going to offer you something above and beyond what TSYS Merchant Solutions can give you, such as superior customer support or training.

For a company of this size, I was surprised to find a relatively small number of complaints. I’ve seen small providers with five times as many complaints as this very large processor. As a point of comparison, the largest processor in the country, First Data, has about 1,000 BBB complaints. TSYS has well under 100. This is very encouraging in terms of assessing overall trends at the corporate level. Furthermore, the complaints that do crop up are usually handled quickly and ethically, including refunds when a misunderstanding occurs.

Things are not perfect with TSYS, but – if you approach them as an educated merchant – there is no reason why you can’t get good service at a reasonable price. My one real warning is this: If you only process a low volume (say, under $4,000 per month), TSYS may not be able to get you the best deal possible. A bit of negotiation may get you some results, but overall they are generally not the best option for low-volume processing. (Check out our merchant account comparison chart for better options, or consider a mobile-based processor for very low volumes.)

When compared to other processors of this size, TSYS performs very well and earns a rating of 4 out of 5 stars. If you run a high-volume business or have complex processing needs, definitely check them out. Most mid-volume businesses can also find good service here. But, as always, use caution when dealing with resellers and independent agents.

Check out the full review below for more information. Good luck!

Products & Services:

  • Merchant accounts: TSYS merchant accounts can be set up using either one of several Simplified Pricing Plan options (discussed in detail below) or a customized pricing plan. TSYS is also a direct processor.
  • Credit card terminals: TSYS offers a number of Ingenico and Verifone credit card machines and PIN pads on its website, including both wired and wireless models. All models are EMV-capable, and some of them also support NFC payment options such as Apple Pay and Android Pay. We highly recommend buying your terminals outright rather than leasing them. If you buy your terminal online rather than directly from TSYS, remember that you’ll have to pay a re-programming fee for the software to make it compatible with your TSYS merchant account.
  • Tablet-based POS system: TSYS offers their TSYS Tablet POS system, a tablet-based POS that comes with a tablet, stand and card reader. The Basic option is $39.95 per month, while the Complete option, which also includes a cash drawer and printer, is $49.95 per month. The TSYS Tablet POS is compatible with iPads and Android tablets. While it’s still be advertised on the TSYS website, this system is being phased out and replaced by the ProcessNow Register, a similar tablet-based POS system.
  • Mobile processing: TSYS also offers mobile processing through their Mobile Payment Acceptance Solution, which uses a free magstripe card reader and the Mobile Payment Acceptance app. It’s available for iOS and Android and features simplified pricing. There’s also a $5.00 monthly fee. There is currently no support for EMV or NFC payments with this system. Check out this chart to compare some of our highest-rated mobile processing options.
  • Virtual terminal: For online businesses, TSYS offers their proprietary TSYS WebPASS virtual terminal, allowing you to process transactions from within your web browser.
  • Payment gateway: TSYS also supports eCommerce merchants by offering a payment gateway that integrates with your existing website to allow online purchases using credit or debit cards. Options include either the proprietary TSYS Payment Gateway or Authorize.Net.

TSYS also offers additional services such as online reporting and TSYS Hosted Payment, a secure, iFrame-based solution that redirects your customers to a TSYS hosted server at checkout. With this system, sensitive customer credit card information is not entered or stored on your website.

Fees & Rates:

Processing rate pricing plans at TSYS come in two flavors: customized pricing and a number of Simplified Pricing Packages. TSYS discloses no information whatsoever about customized pricing on its website, with rates being highly variable and subject to negotiation. Customized pricing appears to include options for either tiered pricing or interchange-plus. Be sure to ask for interchange-plus pricing if you set up your account with customized pricing. Customized pricing is a better option for larger, high-volume businesses and generally offers lower processing rates than the simplified plans.

The Simplified Pricing Plans are designed for smaller businesses and feature three different plans: the Pursue Plan, the Grow Plan, and the Accelerate Plan. Here’s the details of each plan:

Pursue Plan

  • 2.5% + $0.20 per transaction swiped rate (for qualified transactions)
  • 3.5% + $0.20 per transaction keyed-in rate (for qualified transactions)
  • $9.95 monthly service fee
  • EMV, NFC, and Apple Pay capable credit card machine/reader included
  • No setup fees
  • No minimum card volume required

It’s very important to understand that although this is advertised as a flat-rate pricing plan, it’s actually a simplified tiered plan. Flat-rate pricing plans don’t distinguish between “qualified” and “non-qualified” transactions, and charge the same rate for both types of transactions. The non-qualified rates are not disclosed, and their existence is only disclosed in a very fine print footnote. Here’s the actual fine print from their website:

All terms and conditions, pricing and service options subject to change at any time.

Card-swiped rate applies to qualified swiped Visa/MC/Discover network transactions. Most rewards, corporate and special card types are not considered qualified.

All Visa/MC/Discover network transactions that do not meet the requirements for card-swiped and or key entered rates will be charged a non-qualified rate.

Grow Plan

  • 1.99% + $0.20 per transaction swiped rate (for qualified transactions)
  • 3.1% + $0.20 per transaction keyed-in rate (for qualified transactions)
  • $19.95 monthly service fee
  • EMV, NFC, and Apple Pay capable credit card machine/reader included
  • No setup fees
  • $100,000 annual minimum card volume required

Accelerate Plan

  • 1.7% + $0.20 per transaction swiped rate (for qualified transactions)
  • 3.0% + $0.20 per transaction keyed-in rate (for qualified transactions)
  • $49.95 monthly service fee
  • Tablet POS, card reader, cash drawer, and printer included
  • No setup fees
  • $250,000 annual minimum card volume required

While the Pursue and Grow plans are a fairly good deal for small businesses, if your business is large enough that you’re processing over $250,000 per year, the Accelerate plan is not such a good deal. You’ll be better off with customized pricing, as you can almost certainly negotiate better rates than this. Crunch the numbers and see what works best for you.

If you do choose to go with customized pricing, be sure to negotiate an interchange-plus pricing plan. You should also ask to have the early termination fee waived. Lastly, you can also ask to have the monthly minimum waived, although if your processing volume is high enough to take advantage of customized pricing, you probably don’t need to worry about meeting the monthly minimum. If you need help determining what rates would be fair for your business, let us know!

TSYS claims that their simplified pricing plans come with no hidden fees. They specifically state that you won’t be charged setup, non-qualification, inactivity, or application fees. While this is undoubtedly true, it doesn’t mean that you won’t have to pay any additional fees at all. You can still expect to pay fees for things like chargebacks and voice authorizations, among others.

Fees under the customized pricing option are not disclosed at all. Obviously, this leaves plenty of room for negotiation on your part, and you’ll want to go over every possible fee before you sign up. As always, it’s extremely important that you read your entire contract before signing it.

Contract Length & Early Termination Fee:

Regardless of whether you’re using simplified or custom pricing, all merchant account contracts with TSYS include a three-year term and an automatic renewal clause that extends the contract in one-year intervals thereafter. All contracts also include an early termination clause which imposes a $250.00 early termination fee if you close your account before the term has expired.

Obviously, you’ll want to have the early termination clause waived before you agree to sign up. Be sure to get it in writing and keep a copy of the waiver – just in case. You should also be aware that removing the early termination clause does not give you a true month-to-month contract. While you’ll be able to close your account without penalty, you’re still technically on the hook for the full three-year term. We’ve seen numerous complaints from merchants alleging that their processor continued to automatically charge them monthly fees for months after they thought their account had been closed.

If you do end up in a situation where you have to close your account early, follow the instructions in your contract to the letter. Most providers require at least 30 days’ notice (sometimes as many as 90 days) and written notice. You’ll also want to return your equipment promptly. I recommend using certified mail to ship your terminals back so you can get a receipt confirming that the equipment was received.

Sales & Advertising Transparency:

As a vehicle for advertising the company’s products and services, the TSYS Merchant Solutions website has both good and bad features. Disclosure of the simplified pricing plans is a plus, although as we’ve discussed above, it’s also misleading in that it’s actually a simplified tiered pricing plan, not a true flat-rate plan. Custom pricing is, of course, highly variable and subject to negotiation, so it makes sense not to go into specifics on the website. At the same time, a discussion of pricing models and some mention of the availability of interchange-plus pricing would be nice to see.

On a more positive note, TSYS does not rely on independent sales agents to market their services, using a fully-trained staff of in-house sales representatives instead. While this doesn’t provide an iron-clad guarantee that you’ll get top-notch service and a full disclosure of contract terms, it does improve the odds considerably. It’s far easier for TSYS (or any other processor) to monitor the performance of in-house employees and ensure that they’re following the company’s sales policies.

TSYS Merchant Solutions has a robust social media presence, with accounts on Facebook, Twitter, Google+, and LinkedIn. They also have a YouTube channel. All of these accounts are updated fairly frequently, and the YouTube channel, in particular, features a number of testimonials and merchant education videos.

Customer Service & Technical Support:

TSYS offers customer service and support through email and a 24/7 telephone line. They do not currently offer a chat feature. As with most companies offering 24-hour telephone support, you’re most likely to connect with someone who can actually solve your problem if you call during normal business hours. Outside of that, you’ll probably be connected to an outsourced customer service representative who will take your message, but probably won’t be able to solve your problem.

If you peruse through our readers’ comments below, you’ll see that poor customer service is a common complaint. While this is an issue with most merchant account providers, it’s particularly acute with a company as large as TSYS. While they clearly have the financial resources to improve the quality of their customer service, they simply haven’t done it.

Self-service options are also available and seem to have improved since our last review update. The TSYS Merchant Solutions website includes a handy Resource Center section that features a number of educational articles and posts. The Resource Center also has a Troubleshooting section that includes a number of How-To Guides for diagnosing and solving equipment-related issues.

Negative Reviews & Complaints:

TSYS Merchant Solutions has been accredited by the BBB since 2010, and currently, has an A- rating. The company has 57 complaints filed against it within the past three years, of which 18 were filed within the past twelve months. This is a remarkably low number for such a large processor and represents a notable decline in complaints since our last review update. While TSYS was only able to resolve the complaint to the consumer’s satisfaction in about one-third of the complaints, they did respond to every single one.

This is a pretty impressive performance, especially for such a large processor. Less impressive is the disclosure that the company was recently fined $4.5 million by the Consumer Financial Protection Bureau (CFPB) and ordered to pay nearly $28,000,000 in restitution for deceptive practices relating to Consumer Credit Monitoring and Debt Cancellation products they were selling. While this government action doesn’t appear to be related to merchant accounts or credit card processing, it’s certainly very damaging to TSYS’ reputation. Ironically, the company was recently selected by the Ethisphere Institute as one of the World’s Most Ethical Companies for 2016. Needless to say, they aren’t featured on the list for 2017.

TSYS Merchant Services also has nine complaints on Ripoff Report and five older complaints on Complaints Board. On all of these sites, the most common complaints included the following issues:

  • Early termination fees. There were a number of complaints from merchants who were charged a $250 early termination fee despite having a signed waiver in their contract. This can happen due to a miscommunication – or a lack of communication – between the sales representative who set up the account and the billing department. If this happens to you, insist on a refund and provide a copy of your waiver. You’ll get your money back. Also, beware of the automatic renewal clause in your contract. If you wait too long to notify TSYS that you’re closing your account, you’ll be on the hook for another year. When there are many other merchant account providers that don’t charge an ETF or lock you into a long-term contract at all, it becomes hard to justify signing up with TSYS.
  • Billing issues. This may be the most common issue I saw. A number of merchants have complained about being billed monthly fees after requesting to have their accounts closed. While I find this entirely unacceptable, I am at least glad to report that they seem to offer refunds in many cases. Still, keep your eye on your bank account when you end your TSYS contract.
  • Expensive terminal leases. While TSYS seems to be moving toward selling their terminals outright, there are still a lot of complaints from merchants who were signed up for a 48-month non-cancellable lease. Whether you stick with your lease for the entire four years or cancel early, you’ll pay the same: thousands of dollars for a machine that you can purchase outright for only several hundred dollars.

Positive Reviews & Testimonials:

You’ll find seven video testimonials on the TSYS website, all of which seem genuine and realistic in terms of the comments made (even if much of it is not really useful information). While it is, of course, an extremely small sampling of all TSYS customers, I do appreciate seeing a few satisfied customers speaking about their experiences. The interviewed merchants cited low rates and excellent customer service as two of the best features of TSYS. While this may seem ironic considering what we’ve had to say about their rates and customer service, remember that people are easily a hundred times more likely to complain than they are to praise. If you’ve had a positive experience with TSYS, please let us know about it in the Comments below.

Final Verdict on TSYS Merchant Solutions:

Overall, TSYS makes the grade as a viable payment processor. They offer a full range of products and services for just about any kind of business, and their pricing models are flexible enough to be a good fit for large and small merchants alike. Their very low complaint volume relative to their size is a strong indicator that the majority of their merchants are happy with their service, even if they don’t take the time to offer any positive comments about it online.

At the same time, TSYS is far from perfect. Their simplified pricing system isn’t such a great deal for small businesses, and larger businesses will definitely save money by going with custom pricing. Also, don’t be fooled into thinking that the simplified pricing rates are flat-rate. They’re actually a tiered pricing model, albeit a very simplified one. You’ll still get hit with higher rates for non-qualified transactions.

If you do consider signing up with TSYS, ask about customized pricing, regardless of the size of your business. While it’s probably more cost-effective for larger businesses, it can also be a better deal for smaller businesses if your sales representative offers you lower rates than those available under the simplified pricing plans.

While TSYS has a fairly transparent website, it would be a lot better if it included some discussion about the availability of interchange-plus pricing. I’d also like to see some disclosures about fees under the customized pricing option, as there currently aren’t any. TSYS could also improve the overall value of their service by following the growing trend within the industry and eliminating both the early termination fee and the three-year contract term. With so many of their competitors already offering true month-to-month contracts, they need to make this change as soon as possible. Overall, TSYS Merchant Services rates 4 out of 5 stars. They’re a solid choice, but be sure to negotiate aggressively and review your contract before you sign up.

Thanks for reading. Check out our comparison chart to see your other options or find a processor that fits your needs. Good luck!

Tom DeSimone
Tom loves asking tough questions and getting straight answers, so he has a lot of fun calling payment processors for Merchant Maverick to cut through their smoke and mirrors and find the real deals. He has run a full-time editorial business from his home in New York’s Hudson Valley since 2010 and could not imagine a better job. When not busy writing and keeping credit card processors honest, Tom enjoys backpacking in the mountains.
Tom DeSimone
Leave a comment


    Cary Scheck

    Lying scum. They’re trying to charge me $250 ETF when the contract clearly says it’s being waived.They are refusing to release my terminal (that I own) until the ETF is paid.Avoid them like the plague.


      Absolute scum. Got stuck with these [nice people] through NFIB. They keep adding services without permission, the last of which is “Translink Insights” and tacked on $29.99 per month. Then they say they can do that per the contract. No, you can’t just add services without authorization “per the contract.”Now, apparently, I’m in a 3 year contract with them. I only have 2 more months but I don’t care. I got a new computer but can’t reinstall the software because that department is closed until next week.These people are a joke.

        Jolee Wallace

        We have had repeated problems with them. I would not recommend


          Do not use TSYS. Terrible customer service. Even if you have the early cancellation fee waived they will charge you. Tried to get a copy of the contract, good luck! They can’t call back like they say. Such a hassle to deal with in every way. Highly recommend going anywhere else.


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

            Tara Shiffert

            DO NOT USE THIS COMPANY!They will process your customer credit cards and you have to fight with them to get your money back.I have been using this company for a few years and every time I have a problem getting paid. I host a seasonal event and dont use them year round I use a better company Hybrid Payments. Never have I had a problem with them just TSYS. I hope someone reads this before they decide to use this company!


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              Stony G

              We considered a merchant account with TSYS, but after they jerked us arround during the application process we told them we wouldn’ use them. So they claimed we owed them $399 for cancelling (the fact there’s a cancellation fee is never disclosed) and made an unauthorized charge against our account. We complained to customer service and they never replied! We’re still waiting for them to respond 16 days later. NEVER WORK WITH TSYS.


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                Matthew Fritz

                There gateway works well. I’m a POS provider. Some processors need you use this gateway because they are not directly intagrated with my POS. TSYS charges a fee for this. This fee has to come from somewhere. The local processing rep has to take it out of their end or pass it along to the merchant. I’ll let you guess which one of the two happens! Also processing is slower because they is 2 extra steps involved because of the gateway. At that point I don’t understand why merchants do not just go through TSYS directly.

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

                  Eve Torres

                  Beware! Tsys steals money from your account without warning. They are unprofessional and NEVER answer the phone. You will wait at least 15 minutes each time. I cancelled my account with them. They also have an excessive number of fees. The website is unfriendly and obtaining a password is pain. Good riddance TSYS!


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                    Thomas Troyer

                    I work for Tsys and the plans you quoted work great for some merchants and their processing needs but majority of our clients are set up on a cost plus pricing model. Those plans actually work out nicely for smaller merchant with less volume because the terminal is free. Also we don’t lease terminals anymore. We listened to the merchant and their complaints about the non cancellable leases. You can either outright purchase or rent the terminal. Renting is a good option because if you ever decide to change processors you just send it back to us and that is it. BTW I love the site here and the honest reviews. I will be the first one to admit there isn’t a perfect processing company out there but we are trying.


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

                      Barbara Matthews

                      Rates are decent. However, if you do not buy your machine from them you cannot get the sticker with the merchant ID, etc printed out to go on the machine. Plus, I made myself an LLC and so account numbers changed. Not only will TSYS not send sticker for new cc machine, but will not send plate for manual imprinter either. I can make a note for machine, I cannot make an imprint plate!!! Have been with TSYS for a few years. Would think I have paid them enough by now to get sticker and plate!!!!


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                        After reading through some of the other reviews, I would have to agree TSYS has some of the WORST customer service I’ve ever had to deal with! Early on when I signed on with the company things were a little confusing…the first card reader I got was not working properly. Every time I called someone they would try to walk me through trouble shooting, only to have them say I was doing something wrong. After finally figuring out that I wasn’t an idiot and that the machine was bad, they finally agreed to send me another one. They forgot to send return postage and I was getting charged for two terminals. They always said they had sent things to me only to find out that they had the wrong mailing address or had never processed the order in the first place! Somewhere, someone always dropped the ball. In hindsight I should have run the other way. Things finally calmed down and I had no problems for years. Then I got a call saying the card reader I had was out of date and they would be sending me the new model…NOTHING HAPPENED! Several months went by and I started running into problems with my card reader. At that point, they told me once again, that I shouldn’t have had this machine anymore, that it was old. No s*#@t! After several months of the new terminal being sent to the wrong address after wrong address and struggling to get payment from customers, I had finally had it! I have since spent the last three months trying to cancel my account and return the card reader, only to find the last agent I talked to never filed the request and I was still being charged for the machine!!


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                          I’ve been with Tsys for many years now. They’ve been more than willing to lower my rates when I ask, but then it seems the “extra” fees pile up even higher. They tell me all of that is through Visa/MC and they have no control over it. I look at my monthly totals versus trying to dig through all the interchange, FANF, etc. fees. I’m running on average 2% and I think that’s pretty good. They’ve always tried to charge me for a machine but I insist on getting them for free and they comply in the end. However, their customer service is AWFUL. When I do have a problem, no one seems to know anything, they create “tickets” for every issue but never resolve them until you harass them to death, each time you call about your ticket you get an entirely different answer, including flat out lies. I’ve been hung up on completely, transferred to their employee health insurance department, and generally met mostly with incompetence – though on occasion I actually do get someone who knows what’s going on and is helpful. Still, it takes months to resolve anything at all – while they’ve got your money and are holding you over a barrel. Most recently, our machine refused to batch out and Tsys said they would key in every entry within 3 days. I called in 8 days and nothing had been done and no one knew anything. Two weeks later, they finally got around to it. Then I got 2 chargebacks because the charges hadn’t been presented to the bank in the “allowable time frame”. I told Tsys this was their fault, not mine, so they had to pay up regardless of whether they could retrieve their money from the customer. They did nothing and then came back to me telling me the customer’s account was closed. I called the customer and found out that was a lie. I’m still going round and round with them on this, and it has been 1-1/2 months now. I finally called again and pushed the button that says “if you’re thinking of closing your account, press #X”. Of course I got a message machine, not a real person. Only then did I get an actual phone call back from an actual supervisor, promising me he’d solve the problems. I have found, unfortunately, that resorting to threats is the only way to get people’s attention anymore. Of course now I have this reputation as a “bitch” because I’m driven to this degree. What ever happened to “doing the right thing”? Whatever happened to “fair and just”? People laugh at me for having those expectations…. sigh…To me, this is just symptomatic of how everything in America has gone to hell in a hand basket. This is the new NORMAL. We are expected to lower OUR standards and accept being over the barrel. I do not accept this and will forever hold any company I do business with, to offer competitive rates AND excellent customer service.I am a member of NAMM who contracts with a cc processing company every three years to endorse that company to their members. This year they’ve endorsed Worldpay, but after reading their reviews on this website (thank you, thank you, thank you for existing!) I will certainly steer clear of them. Again, thanks to this awesome website, I will look into Helcim for processing.I do think however, you need to change your review of Tsys since it seems all of the customer reviews are negative. I gave them 2 stars because of their decent rates, but as for customer service…. boo!Thank you,Robin (Seattle, WA business owner annual sales $1.2 million)


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

                            Arthur Mogavero

                            Our franchise once recommended TSYS but now has decided to recommend a different vendor. Maybe they know hundreds of accounts will be leaving soon so they figure what the hell. They refused to pick up or tell me where to ship my 2 terminals than charged me $549 before they sent tracking slip. Now they’re saying the box didn’t have all the equipment and will credit me $190 which does little good. My recommendation is stay far away, these are bad people.


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

                              Beth C

                              Term net and First National Merchant solutions are NOT subsidiaries of Tsys.
                              Tsys entered merchant processing by buying Fnms in 2011.


                              They also
                              bought Term Net in Atlanta.


                              This makes them acquisitions not subsidiaries.

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

                                Ron Coffield

                                I am a direct sales rep for TSYS since 2009. Although located in Idaho, I help customers all over the USA. I cannot speak for our company officially, but wanted to note a few things in the info about TSYS. It mentions long term leases as costly etc. TSYS offers terminals to buy, or to month to month rent at very competitive pricing, and only provides the most modern compliant models. This is very different than most vendors offering leases. You also mentioned we are best for bigger merchants, which is true, but we can also be highly competitive in our smaller merchant offers.
                                We are not perfect, as every company has issues, but our low level of complaints mentioned, and a worlds most ethical company award again in 2013, may sway you to give us a chance to earn your business.

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

                                  Scott Williams

                                  Run as far as possible from this company. I have to echo all the above complaints. I used them for four years and even though I signed an addendum with the original contract to waive all early termination fees guess what? Yep got charged early termination fees when I cancelled. Why did I cancel you ask? Well since January my rates have been all over the place and I have had to call in each month. After spending hours trying to fix it and dealing with rude customer service agents most of the time I had enough.


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

                                    Cindy Davis

                                    While these comments are over a year old and things might have changed, I don’t understand all the negativity. I’ve been with TSYS for over a year and not had any issues. When I switched to them from another processor, they said my machine would work, but when it didn’t, they gave me one rent free. I don’t have any cancellation fee in my contract and my rates dropped substantially from what I had before. Customer service has been great also, even though I haven’t had to use them much. I would recommend them and have done so.

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                                      Yvonne Smith

                                      TSYS has the absolute worst customer service I have ever seen!!!! When you call them for help with a problem and after being on hold for 36 minutes, they come back to you and state that there is nobody there that can help you right now, you will have to call back later. When you have a client standing in front of you, it is NOT good business. This has happened to us several times. I’ve never seen such awful customer service from any company!!!!

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                                        Newt Watson

                                        Stay away from this company unless you want to receive poor service and outrageous fees. They do not tell you up front that you are signing a three year committment and that they will charge you $399 to close the account if you stop using their service before the three years is up. They practice unethical business behavior and will continue to charge your bank account fees after you close the account. I switched to Paypal and have much better rates and no fees or long term contract. STAY AWAY FROM TSYS.

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

                                          Melinda Meador

                                          This has got to be the worst merchant service provider out there. In addition to all of the complaints above, I never received a monthly statement or end of year tax forms from them unless I called. Their web site was useless, and they never did get my account set up correctly. Minimum monthly nut even if I didn’t run a card was about $70 (MAJOR RIPOFF), the $250 cancellation fee was absolutely NOT disclosed when I initially signed up and I do have copies of everything I signed to prove it, there was a $150 PCI compliance fee out every year even though I do not do eCommerce or online sales, and for months after I cancelled they continued to pull some other $35/month fee out of my account, which they refuse to refund! I called many times to complain and never got anything but the runaround. If it were possible to rate them at zero stars I would.


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                                            Yvonne Smith

                                            I totally agree with you, 100%

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                                              I have been with them for 4 years, and while you really don’t need much from them, whenever I did it was horrible. about $50 a month in junk fees. Mistakes that took years to fix and I still think I got shorted. I needed a mobile solution once a year and it was nearly impossible from them . . . yes, they would say the right words but almost never actually do anything.I would not recommend them, I’m switching to Chase, same (excellent) pricing but half the fees.


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

                                                Wade Speelman

                                                I am a sales rep with TSYS and have viewed the complaints above. TSYS is a great company but no company is perfect. I have forwarded these to our customer service department and action has been taken. Also I am in sales and all the accounts that I sing up, I have my clients sign an ammendment that waives any early termination fee so that I am earning my customer’s business every month. I have been in the industry for over 7 years and have worked for companies who don’t care about thier customers. I wanted to come work for TSYS because they do listen to thier customers and their employees for suggestions. Please call me if you have any questions about setting up a merchant account and I will shoot you straight. If I can’t help, then I can refer you to other people I know in the industry who work for other companies.

                                                Wade Speelman

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

                                                  Newt Watson

                                                  Do not use TSYS. While Wade makes the company appear to be ethical, they are a terrible company that you should pass over if looking for a merchant services company. Try Paypal, their rates are much lower, the fees are much lower, and they do not have a term contract to sign. Avoid TSYS like the plague and save yourself a lot of grief in the future.

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


                                                    I have had issues with TSYS. My experience has not been pleasant and I am still dealing with a false promise that TSYS never came through on. I was put on a point system with AMEX and was being charged a very high rate. My rep knew i was expecting a payment from my customer over 10k. TSYS wanted to profit off of this on the high rate so they drug their feet getting us switched over from the point system. Needles to say after many many calls and run around they finaly switched out account, after the 10k was charged. Really unprofessional and crooked.

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

                                                      Scott Wilson

                                                      STAY AWAY from this company. The sales rep with his company that I was working with would never return phone calls or email messages once he got an account established from my business. I was offered a “free 90 day trial” with this company and soon found it to be a major headache. The customer service never knew what was going on within and I found them to be totally useless. There seems to be no accountability and nobody in charge when it comes to dealing with any issues.. To make matters worse, in my case, I was called upon by their collections department for a service I never used when I actually was suppose to get a refund I never got…Ridiculous….

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

                                                        Jeremy Porter

                                                        This is a horribly company – they rip you off every chance they get. Even if you don’t fall under PCI Compliance Rules (by not storing CC numbers), they still charge you an additional $40 a month for not being PCI compliant. Then, when you cancel your account you’re charged $299. STAY AWAY! Customer service is horrible – they’re rude and not willing to negotiate at all.


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

                                                          teresa giedgowd

                                                          Stay away from this rip off company. I used TSYS for 4 years to process my credit cards and they were difficult every step of the way. There are tons of hidden fees that they will debit your bank account without notice or permission. The last straw was when they took, without my approval or knowledge, the $250. termination fee. it was very hard to manage my account when I had no idea what would be deducted each month. The customer service is rude, and could care less if you are unsatisfied with what they are doing. They actually laughed at me when I was expressing my frustration with their practices. Please be warned and stay away from this company, there are so many other processors out there that will be glad that you are doing business with them.

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

                                                            Gary De Forest, DC

                                                            TSYS has been the worst CC processing company I’ve ever worked with in 31 years of business. They rip you off every way they can. When I closed my account with them they continued to charge me month fees . Then they never told me I had to turn in my terminal and they tried to charge me for that as well ! There Reps seem unable to help in any fashion. I was nice on the phone, tried to resolve issues, only to get lip service from TSYS.
                                                            They use the CCD electronic debit methods to rip you off and be sneaky. If you are not sharp and look at your BANK statement monthly, daily, they will rip you off. When I asked
                                                            why they had not even sent me a paper statement in the last 2 years, they replied that was an extra $9.95 a month and I could get it online, Okay, but no one from TSYS ever told me that or sent notice of this! When asked how they continued to bill/debit my business back account under a old merchant # that was not even active ? Again, the told me that the account was never closed. I have the Merchant Account Cancellation request form copy in hand. Looks like I have to take them to small claims court in my local area to try to get over $1600 in back charges recovered. Just more fun for this small business owner. Gary DeForest, DC. San Diego, CA.

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

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