Durango Merchant Services
2855 Main Ave b105
Durango, Colorado 81301
Durango Merchant Services
Durango Merchant Services markets itself as a card processor for everyone, with a specialty for high-risk clients and those with bad credit. Durango provides payment processing options, PCI compliant gateways, security services, and back office tools. As a client, you receive an account manager that works with you for the duration of your account. Durango also accepts applications for small business loans and working capital. While operating out of Durango, Colorado since 1999, the company offers its services to clients around the world. This Durango Merchant Service review and profile will provide you with details on services and its reputation.
- What payment services does Durango offer?
- Credit Card Processing
- Check Processing
- High Risk Businesses
- What about Durango’s security services?
- Additional Fraud Protection
- Any other options I should know about?
- Affiliate Programs
- Small Business Loans and Working Capital
- What about Equipment?
- Durango Merchant Services Rates and Fees
- Durango Merchant Service Review and Online Reputation
Durango offers all the usual payment processing services you’d expect, including credit card processing and check processing. Durango Merchant Services is also able to work with businesses that are considered “high risk.”
Credit Card Processing
Credit card processing services are available for card-present (“swiped”) transactions, internet, and mobile payment methods. Mobile processing is available for iPads, iPhones, and Android devices through the app iProcess. Internet processing is available with PCI compliant gateways and includes features such as:
- Recurring billing
- "Buy Now" buttons
- Email invoicing
- QuickBooks integration
- Batch uploading
- API integration
- Address Verification Service
- Free shopping carts
With Durango’s service you can accept checks, e-checks, and ACH payments in person, online, by mail order, or by phone. The website states that if you process a check through Durango’s program, you will not be liable for bounced check fees.
High Risk Businesses
Some processors don’t offer services for industries or business types that are considered “high risk” like travel services, dating websites, or ticket sale businesses. That’s not the case with Durango Merchant Services. The company is able to underwrite merchant accounts for a number of “high risk” businesses, including businesses in industries known for greater-than-average chargebacks. Durango may impose certain stipulations on high risk accounts, including rolling reserves.
Durango offers the following services for securing data and fraud protection:
- iSpyFraud: A utility that assists with discerning legitimate transactions from fraudulent ones.
- Certify PCI: A tool for PCI certifying qualified businesses.
- Payer Authentication: A method for verifying a payer’s authenticity.
- Customer Vault: Storage for encrypted and tokenized sensitive customer data.
- Account Updater: A way of ensuring uninterrupted payments for customers, especially recurring payments.
Additional Fraud Protection
To help minimize fraud and associated loss of funds, Durango suggests utilizing Verified by Visa and MasterCard SecureCode. Additionally, you can use Durango's gateway fraud scrubbing system to look out for and stop suspicious and fraudulent transactions. Durango also allows you to use Check21 processing instead of electronic checks or ACH. Check21 gives a 10 day window (instead of 6 months like with eCheck and ACH) before customers are required to prove that fraud happened, helping protecting you and your funds.
In addition to payment processing options, Durango offers an affiliate program, and merchant funding.
You can earn money for referring other businesses. Durango accepts businesses that are often considered by other processors to be restricted or prohibited. If you pass along leads to Durango through a system, you can benefit from residual payments.
Small Business Loans and Working Capital
Durango has an application process for small business loans and working capital. Durango boasts that it is better than a traditional lender for the following reasons:
- No Minimum FICO
- Competitive Rate and Terms
- Financing Options 1-18 months
- Up to $100,000 per transaction per for new customers
- Flexible Financing Programs ranging from interest only to fully amortizing
- Daily, weekly, bi-weekly, and monthly repayment options
- Credit available for up to 70% of asset purchase price
You can use funds from Durango’s merchant funding programs for almost any business expense, including purchasing website and domain names, purchasing apps, software, marketing, and more.
Durango offers free set up when you purchase one of its offered credit card terminals. Terminal features vary by model, but include options like EMV compatibility, integrated PIN pads, and built in receipt printers. Wired, wireless and mobile models are available. Durango offers several popular brands of terminal, including Verifone, Hypercom, Ingenico, Magtek, and more.
Durango does not list its rates, fees, or contract terms on the website. This is likely because they fluctuate from client to client. Durango includes an explanation of tiered pricing on its site and states that it will show you what your costs on its tiered model would be. Remember that tiered pricing is likely to be expensive and opaque, which is why it’s prohibited in the CardFellow certified quote marketplace.
If you want to make sure you get the best pricing possible, you can request and compare quotes through CardFellow. Simply log in to your account or sign up for free to start viewing quotes in private from as many processors as you’d like.
Durango Merchant Services, LLC has been accredited with the Better Business Bureau since 2006 and currently has an A+ rating. They have had no complaints with the BBB in the last three years.
Yelp! and Ripoff Report similarly turn up no negative reviews. We did find a review on google that gave it 1 star and claimed Durango is illegally holding a large sum of their money. They say the company is dishonest with horrible service once you have set up your account.
The Durango website does have a section for testimonials that it states are submitted through TrustLink, a review program affiliated with the Better Business Bureau. The testimonials don't include full names of the reviewers or the businesses unless the respondent discloses it in the review itself. While this isn’t a problem by itself, generally more weight is given to reviews that include identifying details to help confirm legitimacy.
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