U.S. Merchant Systems Reviewer's Comments

U.S. Merchant Systems is an average credit card processing company. Its below-average approval rating and expensive startup costs are balanced by its excellent customer service and brief account setup period.

Average Approval Rating:  

U.S. Merchant Systems approves 97% of its merchant account applicants, which is a below-average approval rating. U.S. Merchant Systems does not charge an application fee.

Cost Per Month*:  

U.S. Merchant Systems has one of the highest monthly rates compared to other credit card processing companies. There is an additional $10.00 monthly payment gateway fee and a $10.00 statement fee. The 2.50% discount rate has a $0.30 per-transaction fee. In addition to the regular monthly fees, there is a $25.00 charge-back fee, a $1.50 voice authorization fee, and a $.05 address-verification fee.

Startup Cost:  

To register for U.S. Merchant Systems, you must pay a $199.00 startup fee. This is one of the most expensive startup costs of the services we reviewed.

Account Setup Time:  

U.S. Merchant Systems requires only 2 days to setup your account and 2 additional days to receive the money from your transactions.

Customer Service:  

U.S. Merchant Systems delivers excellent customer service. Upon contacting the company, we were immediately connected to a helpful, knowledgeable sales representative. We were not required to interact with an answering machine.

Internet Based Features:  

U.S. Merchant Systems offers a merchant account, a virtual terminal and a payment gateway through Authorize.Net and ChargeNet gateways.

P.O.S./Swiper Based:  

U.S. Merchant Systems offers only one point-of-sale terminal, a below-average selection.

Summary:  

U.S. Merchant Systems is an average credit card processing service. Its high discount rate, steep transaction rate and low approval rating compound to give U.S. Merchant Systems a ranking among the lowest on our site for credit card processing companies.