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TSYS Merchant Solutions Review

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Total Systems Services, Inc. (commonly known as TSYS) is one of the largest credit card processors in the world, and offers certified quotes in the CardFellow marketplace.
About this processor:









TSYS, Global Payments, TransFirst

Acquiring Bank(s)


Deutsche Bank, First National Bank of Omaha, Synovus Bank, TSYS Merchant Solutions, Wells Fargo

In Janary 2016, TSYS announced that it will be acquiring rival processor TransFirst in an effort to expand offerings and reach more businesses.

If you’re considering TSYS for your credit card processing needs, this review and profile provides information on TSYS’s rates and fees, contracts, equipment, and security as well as an explanation of what you can expect if you work with TSYS through CardFellow. You can also get a feel for what others think with a section on TSYS’ reviews and online reputation.


TSYS was founded in the 1950s in Omaha, Nebraska, and currently has offices all across the country and in several locations internationally, including Europe, Asia, South America, and the Middle East.

What can TSYS do for me?

TSYS can set you up to take credit cards in whatever method is most convenient for you and your customers. You can take credit cards using traditional point-of-sale or countertop credit card equipment, with your smartphone or tablet, or through your website.

Traditional Processing

If you’re looking to take cards using countertop credit card terminals or point of sale equipment, TSYS can set you up for that. With TSYS, you can accept many payment types, including MasterCard, Visa, Discover, American Express, and PIN-based and signature-based debit cards.

Smartphone or Tablet Processing

Taking credit cards with smartphones and tablets is gaining in popularity. If you need to take cards on the go, TSYS can set you up with a mobile app and optional credit card reader that connects via headphone jack. Mobile processing is fast and secure, utilizing encryption to protect your customer’s data.

Website Processing

Taking payments through your website is easy with TSYS’s online processing solutions. Your three options are called WebPASS, MultiPASS, and TSYS Hosted Payment.

WebPASS is a PCI-compliant application that lets you to take cards and process recurring payments, such as subscriptions. WebPASS can be added to your current system without needing additional hardware. Robust reporting offers real-time access to transaction activity. Best of all, no coding is necessary to use WebPASS, so you won’t need to mess around with a lot of technical information.

TSYS also offers account updater for recurring billing, called EnsureBill. With the EnsureBill account updater, card information is automatically updated, helping reduce declined transactions due to expired card details. This video from TSYS about EnsureBill provides more info:

MultiPASS is a hosted solution, and you can code it to your shopping cart using APIs. Online reporting and full-service customer support are available with MultiPASS.

TSYS Hosted Payment
A hosted payment page is great for keeping the look and feel of your existing website for a seamless transaction for your customers. At checkout, customers are redirected to a hosted TSYS page that matches your branding and then transactions are processed securely using encryption technology. Updates are made automatically to ensure compliance.


TSYS offers Ingenico brand credit card terminals if you need to purchase equipment. Terminals process transactions quickly and securely and several popular brands are available. Features vary by terminal, but may include options such as backlit keys, LCD screens, PIN debit capability, EMV capability, and more.

In addition to traditional terminals, TSYS offers iPad point-of-sale options, and TSYS Restaurant Solutions point-of-sale. The iPad POS sets up quickly and is compact for small spaces. The TSYS Restaurant Solutions POS is easy to use and offers flexibility for a variety of restaurant processing needs.

Available models may change from time to time, but you can check currently available models by signing into your CardFellow account to browse TSYS’s equipment inventory.

How secure is TSYS?

TSYS helps you with PCI validation and works with Trustwave to ensure security. TSYS also offers C-CAP security solutions to provide you with up to $100,000 per incident in the case of suspected or confirmed data breaches. Assistance with breaches is available for hacking and other fraud situations and the money can be used with security-related expenses such as card replacement, credit monitoring, and more.

What does TSYS cost?

Your TSYS pricing through CardFellow may be different than published pricing. For the most accurate pricing for your business, log in to your CardFellow account for an instant quote.

TSYS publishes rates for their simplified pricing packages and for mobile processing.

Simplified Pricing Packages

The simplified pricing packages offered are the Pursue, Grow, and Accelerate.

Pursue Grow Accelerate
Swiped rate: 2.5% Swiped rate: 1.99% Swiped rate: 1.7%
Keyed rate: 3.5% Keyed rate: 3.1% Keyed rate: 3.0%
Per-transaction fee: $0.20 Per-transaction fee: $0.20 Per-transaction fee: $0.20
Monthly fee: $9.95 Monthly fee: $19.95 Monthly fee: $49.95
Minimum volume: $0 Minimum volume: $100,000 Minimum volume: $250,000

All simplified packages feature no setup fee, and a free credit card machine and free credit card reader.

Mobile Processing Rates

TSYS publishes rates for mobile processing in two options, Custom and Simplified. Both options feature a free credit card reader and no setup fee.

Custom Simplified
Monthly fee: $5.00 Monthly fee: $5.00
Keyed rate: Customized  

Pricing Through CardFellow

TSYS is authorized to place quotes through the CardFellow marketplace. The rates and fees you can get from TSYS may be more competitive than what you’d otherwise get. To find out what you’d pay with TSYS, sign up for a free CardFellow account and get a quote tailored to your business. TSYS quotes through CardFellow also feature a lifetime rate lock, so the low markup you’re quoted is what you’ll pay as long as you’re processing.

Is there a contract?

TSYS offers a standard contract of 3 years, which automatically renews. Early termination fees up to $250 may apply if you cancel before the 3 year term is up or after automatic renewal occurs. Contract terms and early termination fees are subject to change, so be sure to read your contract thoroughly before signing.

Contract and Termination Fees Through CardFellow

TSYS is a processor that is authorized to place certified quotes in the CardFellow marketplace. If you choose a quote from TSYS through CardFellow, there is no early termination fee, meaning you can end your contract at any time without penalty.


For a company as large as TSYS, there aren’t a lot of negative reviews. TSYS is one of the largest processors in the world, so maintaining a reputation with a relatively low amount of complaints is a positive sign. As always with reviews, your experience may vary, so be sure to take all factors into account when deciding on a processor  and don’t place too much weight on reviews.

Complaints with the Better Business Bureau

TSYS Merchant Solutions has been accredited with the Better Business Bureau since 2010 and currently has an A+ rating, the highest available. The company has only had 58 complaints lodged with the BBB in the past 3 years, a very low number considering the company’s size and client portfolio. 35 complaints are in the ”Problems with Product/Service” category, 16 complaints are in the “Billing/Collection Issues” category, 4 complaints are in the ”Advertising/Sales Issues” category, and the remaining 3 complaints are in the “Guarantee/Warranty Issues” category.

Complaints allege that TSYS didn’t make good on promises, continued to debit funds unauthorized after account cancellation, and used fraudulent practices.

18 complaints are listed as resolved, meaning the original complainant was happy with TSYS’s resolution. 40 complaints are listed as “answered”, meaning TSYS replied to the complaint and offered a resolution, but either the complainant didn’t reply or was not happy with the proposed resolution. In any case, TSYS has a record of regularly responding to complaints, meaning customers can generally expect to reach TSYS if there’s a problem.

Reviews at Yelp and Ripoff Report

There are 8 TSYS reviews on Yelp, totaling a 1.5-star rating. One review is 5-stars and the remaining are 1-star. The 5-star review praises the company for wonderful service, knowledgeable sales people, and an easy-to-read monthly statement. The negative reviews complain of equipment being deactivated without warning, long customer service hold times, fees constantly rising, and difficulty closing accounts.

Ripoff Report lists 25 reports for TSYS in their directory. Reviewers complain of expensive billing errors, excessive fees, incorrectly charged cancellation fees, and deceptive practices.

Awards for TSYS

TSYS lists multiple awards over several years, from 2006 – 2015. The full list of awards is available on their website and includes an explanation of each award.

What CardFellow Thinks

TSYS has a legal agreement with CardFellow that allows it to offer certified quotes through our marketplace. TSYS quotes through CardFellow adhere to all of our requirements, including a true pass-through pricing model, no cancellation fee, and a lifetime rate lock. CardFellow stands behind all of the processors that offer certified quotes, and TSYS is no exception. If you choose to work with TSYS through CardFellow, you’ll have a dedicated representative at TSYS and can also contact CardFellow with any questions or concerns.

You can check out what CardFellow clients who use TSYS think by reading certified reviews. Note that our certified TSYS reviews are from clients that we have verified actually use TSYS for their payment processing. These reviews offer a higher level of reliability than unverified reviews found elsewhere.

Do you use TSYS as your credit card processor? Leave a review!


Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.

From Craig, on Jan 11, 2018


I am very satisfied with this service.

From Stacey, on Sep 18, 2017


Very pleased with the service. Highly recommended!

Thank you for the positive review Team TSYS

From Erik, on Aug 10, 2017


Thanks Team TSYS

From Kerri, on May 08, 2017


The savings we were promised have materialized, equipment has been reliable, and customer services has been good. We are still happy to have made the switch 2 years into our relationship with Tsys.

Thank you for the review! Team TSYS

From Jeff, on Apr 17, 2017


Customer service was awesome - Candice Shelton. I asked a million questions and Candice was very responsive, knowledgeable and has a lot of patience. I was starting to annoy myself with all the questions about credit card fees, etc. but she was awesome. TSYS was not the cheapest but they were right there with the cheapest and sometimes price is not the only thing to consider. We will still cut our trans. fee, etc. bill in half. Very happy with them.

Thank you for the great review about Candice and your experience setting up your account with TSYS. Team TSYS

From Hugo, on Apr 11, 2017


Excellent, fast approval and great customer service

Thank you for the review! Team TSYS

From andrew salmeri, on Mar 27, 2017


From Winsley Yero, on Nov 23, 2016


it took us two months to get our terminals to get started. I have to say that customer service is extremely poor and the terminals we have turns freezes often and its frustrating.

We try to get equipment out to merchant asap and based on limited communication from you during the set up process the timing was delayed. You rep Wade's phone number is available if you need anything corrected and he is very fast to respond. If your equipment is having some issues, please call in and troubleshoot as most issues on terminals are network/connection related. Thank you for the opportunity to correct these challenges that you are experiencing. Thanks Team TSYS

From SHELIA, on Oct 13, 2016


have been pleased with them. Easy to read statements.

Thank you for the review! Team TSYS

From andrew, on Jul 12, 2016


Glad we made the switch.

Thank you for the positive review. Team TSYS

Unlike verified reviews which are validated by CardFellow, web reviews can be submitted by anyone viewing this profile. While we validate these reviews as best we can, CardFellow does not verify that a reviewer is using or has used a processor's service.

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Posted by MWGC on Dec 01, 2017


Originally was with Transfirst (which was purchased by TSYS) and had little complaints. Being a small business I simply don't have the time to personally oversee every bill that comes into the office. That said, I do audit and occasionally check over to look for irregularities as well as compare year/year costs to spot potential issues. This process exposed a noticeable change in our card processing. When I noticed this I looked through the bills and saw that our interchange + rate & per transaction fees had not changed. I didn't see any line item fees that looked much different. After failing to find anything I started dividing out to find the effective interchange rates and comparing to mastercard/visa's published rates and noticed that they were all being marked up (additively) by about 1.25% which on some cards was a 100% increase in cost! The only marking on my bill to show that TSYS had added this cost was a "(12)" marked after each card type. How I was actually supposed to know what "(12)" meant or even that it was TSYS taking that amount I'm not sure . I am personally of the opinion that the ambiguity was a conscious decision to make it seem like the cost was actually just an interchange rate (the fee paid to the card companies). Basically, make it more difficult to see how much is being charged to me. After digging back I found the original "alert" that was sent to me about this increase in cost. It said, "... FEBRUARY 1, 2017, YOU WILL SEE AN INCREASE IN YOUR NON-QUALIFIED SURCHARGES IN THE AMOUNT OF 1.25% THIS INCREASE WILL ONLY IMPACT A PERCENTAGE OF YOUR OVERALL TRANSACTIONS. WE HOPE THAT YOU SEE VALUE THAT COMES WITH OUR PRODUCTS AND SERVICES AND WE THANK YOU FOR YOUR BUSINESS." There was no explanation on what a "qualified" surcharge is. When I called the rep she referred me to "Our original terms and conditions" which I'm sure does not list which cards are "qualified" and which are "non-qualified" because there have been new cards added since we originally joined Transfirst 5+ years ago. How am I supposed to gauge what this change will actually cost me? How is it reasonable to expect a customer to be able to make a good business decision based on the information being provided? I also went ahead and did the math as to how much was run through as "qualified" vs "non-qualified" and found that "non-qualified" purchases (the ones that they added their 1.25% fee to) made up between 80-95% of each month's total processed amount. I appreciate the lawyer speak of "THIS INCREASE WILL ONLY IMPACT A PERCENTAGE OF YOUR OVERALL TRANSACTIONS." being technically correct, but I'd say if something happens 4 out of 5 times, you shouldn't be using the word "Only". All said and done, TSYS made out with a minimum of $500 - likely $700-1000 by including those two lines on a statement at the end of last year. I definitely do not feel as though I have received $500+ in service and would not recommend they be used for your card processing. No customer of a card processing company should have to go through the following to just get an idea of what the cost increase is going to actually ... you know ... cost. 1. Comb through every bill to watch for vaguely worded price increase alerts 2. Wait on hold to speak to a rep who can't actually answer your question 3. Get referred to a higher up, get an actual definition of what qualified / non-qualified actually means 4. Go back through old bills and identify each card type to average what % of transactions would fall into what category 5. Apply those averages to estimate actual cost of price of increase When TSYS proposes increases in cost, they can estimate how much extra revenue those increases will generate. I'll give you an example that would never happen. Person A - We need to be in the black this year! So, let's raise our rate on these cards 1.25%. Person B- Will that be enough to offset our losses? Person A - No idea! If TSYS has assessed they need to charge more, the information provided to the customer needs to be sufficient for the customer to assess if they want to actually continue doing business with them. Unfortunately, TSYS seems to have taken the morally questionable route and has lost at least 1 customer for it.

Posted by Gerard McDermott on Oct 02, 2016


Great service.

Thank you for the review. Let us know if we can help with anything. Team TSYS
TSYS Merchant Solutions
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