TopTenREVIEWS

Total Merchant Services is a good one stop credit card processing service. They offer average monthly prices and, once the account is set up, it only takes 2 days to receive money from your customers. However, if low startup costs are important to you, consider a different service.

Average Approval Rating:   Excellent

With Total Merchant Services, getting approved is no problem. They have an excellent approval rating for new merchant accounts. Total merchant services will approve 100% of merchant accounts that meet the following standards:

  • Visa/Master Card volume less than $10,000 per month
  • Average ticket less than $300.00
  • Future Service Liability less than 30 Days*
  • Acceptable type of business

*This means that the customer receives the product or service within 30 days of the credit card charge.

Cost Per Month*:   Excellent

Total Merchant Services has among the lowest monthly costs, including a $10.00 statement fee and an $25.00 monthly minimum. The 2.25% discount rate has a $0.20 transaction fee. Charge back fees are affordable too, at $15.00 each.

Startup Cost:   Excellent

The $245.00 startup cost for Total Merchant Services is pricy compared to other services we reviewed.

Account Setup Time:   Excellent

Total Merchant Services processes your application within 4 days, and it takes 2 additional days for you to begin receiving your money.

Customer Service:   Excellent

We did not get through the first couple of times we tried to contact Total Merchant Services. When we did, we received answers to most of our questions.

Internet Based Features:   Excellent

Total Merchant Services offer a choice between the Authorize.net and Advanced Merchant Services for your payment gateway.

P.O.S./Swiper Based:   Excellent

Total Merchant Services offers 4 different models of Point-of-Sale terminals for your retail store business-a fair choice.

Summary:  

Overall, Total Merchant Services is a good credit card processing service with everything you need to get started.

 
TopTenREVIEWS
Credit Card Processing Review

Total Merchant Services

Website: Total Merchant Services
Very Good
Overall Rating
Excellent
Average Approval Rating
Very Good
Cost Per Month*
Excellent
Startup Cost
Very Good
Account Setup Time
Excellent
Customer Service
Very Good
Internet Based Features
Very Good
P.O.S./Swiper Based
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#14 of 21 Credit Card Processing Products
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