First Merchant Services Review

Executive summary

First Merchant Services offers business owners merchant services, with no upfront costs, a low rate guarantee, plus a full suite of touch-screen point of sale (POS) systems, electronic cash registers, and standalone credit card machines.

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First Merchant Services Highlights

  • Free processing equipment
  • Best rate guarantee
  • 24/7 365 support


  • Competitively low rates – low rate guarantee
  • Customer Service available 24/7/365
  • No upfront charges
  • Work with tens of thousands of businesses nationwide
  • Support for virtually any merchant’s payment needs


  • No live-chat function
  • Not a huge amount of information available pre-sales
  • Huge emphasis on ‘free’ items, could potentially be a little misleading

Ease of Setup

It’s reassuring to know that signing up for First Merchant Services really is as easy as it appears on the site. Everything you need to know about what’s included is spread over several key pages displaying information on POS systems, credit card machines and merchant services. They put a major emphasis on just how much is FREE, which of course is very attractive and can be a deal breaker, but could potentially be slightly misleading, especially pre-sale. It could potentially be seen as imbalanced, but most business owners will realize this is the draw in; you will need to get in touch or get a quote to find out more detailed information.

That said, finding out further information is easy, as is getting a quote. You can get in touch with the team through the get a quote function, or there is a direct dial number. There is no live-chat function on the site though, which would be a little extra hand for those who have questions but don’t necessarily want to call. The stand-out quality of the site is just how positive and accessible it all is, which is reassuring for first-time customers.


The features are pretty clear with First Merchant Services. It’s great that everything is laid out so clearly on the site. It’s sure to be attractive to many business owners as it clearly provided what many existing customers want. Best Processing Rates are guaranteed so if you’re already accepting credit cards, First Merchant will match or beat your existing processing rates. And of course if it’s your first time with a credit card processing provider, then you’re guaranteed to get the best rate.

The real standout feature though, is the sheer breadth of solutions offered. In fact, their website claims there’s not a processing need that it can’t solve. In addition to free credit card terminals, cash registers and POS systems, First Merchant offers everything from e-commerce solutions to gift and loyalty cards, as well as check services to ATMs.

Customer Support

Another great highlight is First Merchant’s exceptional customer service. It might sound obvious, but some providers aren’t as responsive as First Merchant seem to be - and it appear to be A1. They have an award-winning customer support team, handled completely in-house, and available 24/7 – what’s more, it’s completely free of charge. The only slight mark against an otherwise exemplary record in this regard is their lack of live-chat function on the site. But this is by no means a deal breaker, as getting in touch is quick and easy, especially with a direct dial, free phone number.

Rates & Fees

There isn’t a huge amount of information available on the site about pricing - at least pre-sale. They emphasize the amount of services and features that are free. This could potentially be seen as a little misleading or imbalanced, especially so early on in the process. Having said that, though, the value for money angle will clearly be a draw for the vast majority of business owners.

Although you do have to do a little digging around on the site to find the individual prices for each service/piece of equipment, First Merchant does make it clear, with straightforward bullet-points summarizing what’s included and for how much (presented as a monthly fee).

Below each piece of equipment or service across each of the site’s main pages you can watch a video or click ‘learn more’ which links through to a ‘get a quote’ box. Whichever equipment or service you choose, be it POS, Credit card processing, cash registers, or merchant services, you’re guaranteed a 30 Day Risk-Free Trial, a Lifetime Warranty, and 24/7 Support.

Processing Options

It seems trite to say that there doesn’t appear to be any type of payment processing that First Merchant doesn’t cater to, but there really doesn’t. All types of merchant services, credit card processing, cash register, and POS systems are offered, be it remotely or in person with touch-screen and wireless options.

It’s also reassuring to know that First Merchant really understands business owners’ need for a credit card processing partner that can really be counted on – so they've partnered with Harbortouch, one of the largest and most reputable payment processors in the US. Harbortouch currently handles the merchant accounts for over 110,000 locations and processes in excess of 9 billion dollars annually. It’s this partnership with Harbortouch that allows First Merchant Services to be able to offer the lowest processing rates available.

Accepted Payment Types

As you’d expect from such a comprehensive merchant and payment processing services provider, First Merchant accepts all types of payments – Visa, MasterCard, American Express, and Discover etc. As well as Apple Pay, Samsung Pay, and Android Pay.


If you can look past the initial ‘sounds too good to be true’ vibe that the site seems to give off, you can find a genuinely comprehensive, innovative, and great value for money merchant services provider, especially with their exceptional 24/7 support and award-winning partnership with Harbortouch that allows for the lowest processing rates available.

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