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Merchant e-Solutions Review

Merchant e-Solutions is a global payment processor with headquarters in California. The company processes more than $14 billion in transactions in more than 150 currencies each year. Merchant e-Solutions is owned by Cielo S.A., headquartered in Brazil.
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Merchant e-Solutions serves close to 70,000 businesses. In this Merchant e-Solutions review and profile, we will look at the services provided and what its online reputation suggests about giving the company your business.

What services does Merchant e-Solutions offer?

Merchant e-Solutions provides basic transaction processing services to businesses of all sizes. The company helps you securely process transactions at the time of sale, whether in-person, online, or using your mobile device such as a smartphone or tablet. With Merchant e-Solutions you can accept payments in more than 150 currencies, expanding your business to potential international customers who are more likely to make purchases in their own currency.

Merchant E-Solutions homepage


Merchant e-Solutions provides a range of options for accepting payments in person. The company offers EMV-capable terminals to help reduce fraud and allow you to accept major credit cards, including MasterCard, Visa, American Express, Discover, JCB, and Diners’ Club. Additionally, you can accept PIN-based debit on many major debit networks.


If your website is where your customers know they can find you, Merchant e-Solutions has options for online payments. The company provides customized integration for your website to Merchant e-Solutions’ payment gateway using the company’s API. Several programming languages are available, and Merchant e-Solutions offers a Developer Site that includes sample code for fast and easy coding.

Businesses can also choose a hosted payment solution, offering easy PCI compliance and a secure checkout page with a Pay Now button for user-friendly payments. Online processing can also include support for popular alternative payment types, such as PayPal and Bill Me Later.


If you are looking to accept payments on the go or outside of a traditional retail environment, Merchant e-Solutions offers a mobile app that works with many mobile devices, including iPhones, iPads, and Android devices. Mobile processing works for both swiped and keyed transactions, and can be used for mail and telephone orders as well. Swiped transactions require the optional card reader. Mobile processing is ideal for those who accept payments away from a store, such as landscapers, movers, artists, and those who sell goods and services at fairs or tradeshows.

What about security?

Merchant e-Solutions utilizes tokenization to securely store customer data. Tokenization is a process where the sensitive data is transformed into an unrecognizable code, rendering it useless to hackers and fraudsters. The company also offers comprehensive fraud protection for an extra level of security to protect you and your customers.

Is there any help with reporting?

Reporting is a great way to make sure your business stays on track, and is headed in the right direction. Merchant e-Solutions provides 24 hour access to reporting via the internet or a reporting API. Reports can be accessed in real time and are fully customizable to your needs. Run reports, use fraud settings, access transaction data, and more whenever and wherever you have the time.

How is the customer service?

Merchant e-Solutions boasts award-winning customer service. U.S.-based customer service is available 24 hours a day, 7 days a week to help ensure you get the assistance you need, when you need it.

Merchant e-Solutions Rates and Fees

Merchant e-Solutions doesn’t publish rates and fees on its website. If you would like to know how much Merchant e-Solutions services would cost you, request a quote from CardFellow. The quote will show you fully disclosed pricing, and you can compare Merchant e-Solutions to other processors without the hassle of sales people. Sign up here for free and get started!

Merchant e-Solutions Reviews

Merchant e-Solutions has been accredited with the Better Business Bureau since 2013, but has had a profile with the BBB for longer than that. The company currently has an A+ rating, the highest available, and has had only 6 complaints closed with the BBB in the past 3 years. The complaints allege difficulty cancelling accounts, excessive fees, unauthorized debits, and billing disputes poorly handled by customer service.

There are two reviews on the BBB’s website as well, split evenly between negative and positive experience. The negative review backs up the allegations of exorbitant cancellation fees, while the positive review claims both great customer service and service in general.

There are no reviews on Ripoff Report or Google reviews. There are reviews on Yelp, however they are very odd. 7 out of 8 of the reviews are in regards to a credit card scam; they allege the company falsely charged their AMEX cards for various amounts of money. The 8th review is in defense of Merchant e-Solutions, essentially declaring that it is a legitimate business and to look at the BBB before believing the false reviews about a scam. It seems like the reviewers may be pointing the finger in error, but it is hard to know exactly what is going on.

If you have experience doing business with Merchant e-Solutions, we would love to hear about it! Leave a review!


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Posted by CardFellow on Mar 28, 2016


Merchant e-Solutions is a technology-focused company that processes for some businesses well know in the e-commerce space.