Total Merchant Services Reviewer's Comments

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:  

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*:  

Total Merchant Services has among the lowest monthly costs, including a $10.00 statement fee and an $18.00 monthly minimum. The 2.40% discount rate has a $0.35 transaction fee. Charge back fees are affordable too, at $15.00 each.

Startup Cost:  

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

Account Setup Time:  

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

Customer Service:  

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:  

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

P.O.S./Swiper Based:  

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.