Total Merchant Services Review


Total Merchant Services is an expert in the credit card processing service industry and has over 20 years of experience with over 1,000 employees. This credit card processor is one of the most established processing companies in the U.S. for small businesses. This processing service was launched in 1996 in Colorado and now is headquartered in Woodland Hills, California. Since its founding, Total Merchant Services has been focused on offering low cost, flexible credit card processing services. The Electronic Transactions Association (ETA) named this company ISO of the Year and it was also chosen as a premier payment processing solution by MWAA.

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Total Merchant Services provides a three-pronged solution for payment processing that is split between online, mobile and retail. The expertise of this company is retail POS terminals and free terminals are provided to small businesses. Credit and debit card payments can be accepted as well as electronic checks and gift cards. The virtual security is built-in and offers ongoing protection against fraud.

Total Merchant Services also has a smartphone compatible ‘Payment Jack’ device that allows businesses to process credit card payments without a physical terminal. This device is provided at no cost when the software is purchased and is used in real time. Additionally, this device offers signature capture and allows customers to receive their receipts via email.

For online payment processing, Total Merchant Services offers the e-Commerce Solution or Virtual Terminal. This service allows businesses to accept remote online payments or enable customers to use an online shopping cart and make purchases through the online store.

Service Ideal For:

Total Merchant Services provides great benefits for small to medium-sized businesses. This company works hard to help companies grow while providing top quality payment processing solutions. TMS specializes in low cost, customizable payment solutions that can be used by any small business – even those with tight budgets. The company is dedicated to providing the best payment processing services to small businesses and will even approve companies that process under $10,000 of credit card transactions per month. This company also offers flexible plans and low rates to large businesses.

Sign Up Process:

To sign-up at Total Merchant Services, you simply need to call the telephone sales line or ask for more information using the online contact form. Once you have contacted Total Merchant Services, you will be asked to provide some information about yourself and your company. This information includes expected annual revenue, credit history and other business-related information. The support team will then offer a personalized quote based on your individual business. All of the applications are rejected or approved within 4 days maximum. In addition, confirmation will take up to 2 days after this. You can expect that your account will be functional within 3 to 6 business days after your application is approved.


Because Total Merchant Services focuses on providing services to small businesses, the pricing structure is one of the most cost-effective in the payment processing industry. In addition, this company offers low fees, free equipment and a 2.25% discount rate which is great for new businesses. The start-up cost is around $245 for a new account but monthly fees and transactions costs are some of the lowest available.

Basic Pricing:

Monthly Statement FeeMonthly MinimumMonthly Gateway FeeSet Up Fees

Credit Card Fees—Retail:

Average Discount RateRetail Transaction FeeEquipment Cost

Online Account Fees—No Card Present:

Online Discount RateGateway Transaction FeeAddress Verification Fee

Ease of Use:

Total Merchant Services is dedicated to providing simple payment processing solutions for small businesses with lower levels of revenue or those that have just been founded. In addition, businesses can join the Merchant Advantage program for $9.95 per month for overnight terminal replacement as well as discounts at Office Depot, iContact and Dell. The systems and software are intuitive making them easy to use and implement. Total Merchant Services offers a valuable service to small businesses all over the United States.

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