Meritus Payment Solutions Review


As another one of the excellent merchant service providers to come out of California, Meritus Payment Solutions is another recent addition to the excellent stream of companies. Based in Irvine, this small-business focused firm specializes in offering solutions for ‘high-risk’ industries. The market definition of ‘high-risk’ includes controversial markets ranging from gambling to mail order. Having developed its own online payment gateway, Meritus Payment Solutions has only been around since 2008 but was founded by some of the most experienced names in the merchant service industry.

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Meritus Payment Solutions cater to every shape and size of business, from exclusively online, to brick and mortar, to hybrid retailers. Equipment is available for the swiping and charging of credit card payments, whilst the company’s own payment gateway affords an excellent internet payment solution. The self-developed gateway can also be integrated with more recognized software to increase the immersion of customers, reducing lost sales. Every system, service and piece of equipment supplied by MTS is PCI compliant and protected by industry-leading security.

Analytics can be tracked, produced and monitored through the merchant gateway. By studying the in-depth information included within this tool, businesses can improve and alter processes to raise their bottom line. Address verification is offered, along with card verification and other protective services; making MTS one of the safest and most reliable merchant service providers on the market.

Service Ideal For:

Meritus Payment Solutions has an obvious focus toward high-risk industries and those businesses who have failed to win an account with other providers. Much of Meritus Payment Solutions’ competition will have strict guidelines and criteria which can rule out many retailers including gambling websites or businesses, gaming accounts and mail order retailers. Judged to be of higher risk, many firms in these industries will have only a few merchant service providers to choose from and Meritus Payment Solutions will be right at the top. Owners of small or young businesses with limited credit ratings will also find Meritus Payment Solutions of great value.

Signup Process:

By first providing some basic information to Meritus Payment Solutions, the wheels can be set into motion to have your business granted an account. Once picked up, your application will be accelerated and the company will be in touch to request further details. In some extremely rare cases of exceptional risk or poor credit, a brief phone interview might be required; but the majority of accounts will be approved instantly. With the contract agreed and signed, you’re ready to start accepting payments.


Partnerships with esteemed banks and processors meant that there are an endless set of variables which can affect the tariff. Pricing is bespoke to each business and can swing on a lot of factors, based on risk, industry, transaction volume and more. The majority of terms are on a 36-month basis but feel free to negotiate with your sales executive to drive this down.

Basic Pricing:








Credit Card Fees – Retail:



1.95% - 2.10%




Online Account Fees – No Card Present:



2.3% - 2.5%




Ease Of Use:

The merchant services on offer from Meritus Payment Solutions are all straightforward and intuitive. Whether it’s the PoS equipment or the exclusive payment gateway, there’s nothing complex or confusing about the interfaces that you need to learn. The dashboard helps you to understand the impact of all the numbers and the customer support is on hand for any quick advice or walkthroughs.


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