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Total Merchant Services Review

Total Merchant Services is a card processor founded in Colorado in 1996. In 2013, Total Merchant Services opened new headquarters in California. Total Merchant Services is a registered ISO of Wells Fargo Bank.


In late 2017, Total Merchant Service was acquired by North American Bancard. It’s not clear at this time if TMS will continue to operate under its own name.

Services and equipment

Total Merchant Services provides merchant accounts that allow you to process all major credit and debit cards. Additionally, the company offers free card processing equipment, mobile and internet processing, gift and loyalty card programs, check processing, and QuickBooks integration.

Total Merchant Services homepage

Merchant Accounts

Total Merchant Services offers merchant accounts to allow business to process all major credit cards, including Visa, MasterCard, American Express, and Discover, as well as debit cards and EBT cards. Total Merchant Services boasts funding into your bank account within 48 hours.

Card Processing Equipment

Total Merchant Services offers free card processing terminals with a variety of options, including dialup and wireless terminals. Total Merchant Services ships terminals directly to the merchant and provides assistance with setup. Be aware that in some cases, free credit card machines may cost you somewhere else.

Mobile Processing

For mobile processing, Total Merchant Services offers Payment Jack card swiping devices to allow you to use your smartphone to process transactions. The card swiper and software are free, and provide real-time authorization for both swiped and keyed transactions, email receipts, and transaction history. Total Merchant Services suggests mobile processing with Payment Jack for industries like landscaping, contractors, electricians, taxi services, artists, and more.

Internet Processing

Use your computer and internet connection to process transactions with Total Merchant Services’ secure virtual terminals. Log in via website or allow customers to pay through one of the available shopping carts. When using the virtual terminal function of internet processing, you can accept credit and debit cards as well as gift cards and electronic checks, process credits, void transactions, and use built-in fraud tools to maintain security.

Gift and Loyalty Cards

Total Merchant Services’ terminals can accept gift cards and loyalty cards to encourage repeat customers. Gift cards can be redeemed in any amount. Loyalty cards allow you to offer special promotions such as a percentage off the total or a free gift.

Cash Advances

If you need capital, Total Merchant Services offers cash advances on future sales. You’ll pay back the advance through a small percentage of daily credit card sales. There is no additional payment schedule and no collateral required. Cash advances are easier to obtain than loans, but you should still weigh the pros and cons carefully. Cash advances are often expensive for businesses.

Check Processing

Total Merchant Services offers Check Conversion and Guarantee services so you can accept checks as easily as credit cards. Checks are converted electronically and Total Merchant Services guarantees payment on all checks merchants process, reducing loss of sales from bounced checks.

QuickBooks Integration

Total Merchant Services offers Total Processing in QuickBooks for small businesses to accept and track payments. This solution includes QuickBooks Pro 2013 software and a USB-connectable card swiper.

Total Merchant Services Rates and Fees

Total Merchant Services doesn’t publish rates or fees on their website. The company offers different rates depending on business type, cards accepted, and processing volume. To get an accurate, fully-disclosed quote from Total Merchant Services, request one through your CardFellow account.

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Total Merchant Services Reviews

Total Merchant Services, Inc. has had a profile with the Better Business Bureau for several years, and has been accredited with the BBB since 2013. They currently have the highest rating, an A+. Total Merchant Services has 68 complaints lodged with the BBB in the past 3 years. Reviews complain of expensive early termination fees, unexpectedly higher fees that discussed, and deceptive sales practices.

Total Merchant Services reviews with Yelp and Ripoff Report

Yelp shows 6 "recommended reviews" for Total Merchant Services. 4 reviews are one-star, 1 review is two-stars, and 1 review is five-stars. The one and two-star reviews allege high fees, automatically renewing contracts with expensive early termination fees, and poor customer services. The five-star review simply praises great customer service.

Ripoff Report has 46 complaints in their directory. Reviews complain of scam practices, high rates, expensive cancellation fees, and deceptive customer service.

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Posted by CardFellow on Mar 29, 2016


Total Merchant Services is an older independent sales organization (ISO) with a primary processing relationship through First Data. TMS has been around a long time, so we've seen quite a few statements, applications and quotes from business using or being courted by TMS. What we see is all over board. As is true with all processors, pricing and terms are set on a per-case basis. Reviews on a processor won't tell you the specific deal a processor will give your business. It's up to you to know how processing fees really work to ensure you can negotiate competitive pricing. With this is mind, we've see TMS statements that show competitive, transparent pricing, but we've also seen statements that show a much different story.

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