Capital Merchant Solutions

  • Editor Rating

  • Rated 2.5 stars
  • OK

  • Capital Merchant Solutions
  • Reviewed by:
  • Published on:
  • Last modified: August 18, 2015
  • Disclaimer

Review Summary:

While their track history is fairly strong, we always have to question the need for a specified length contract

  • Capital Merchant Solutions
  • Rating: 2.5
  • Reviewed by:
  • Published on: February 25, 2015
  • Last modified: August 18, 2015

Review Summary:

While their track history is fairly strong, we always have to question the need for a specified length contract

View our Top Ranked Processor

Capital Merchant Solutions has been in the credit card processing industry since 1997, and is based out of Illinois. They are currently ranked A+ by the Better Business Bureau and have a fairly clean record in the online community.

They are one of the largest umbrella ISOs that we have come across as DowCommerce, FreeAuthNet, and Take Cards Today are all under the Capital Merchant Solutions Brand. (the full list of websites is available at the end of this review)

The majority of their merchants refer to receiving monthly statements which parallel very closely with what they expected to see. While their rates and fees may not be the lowest we’ve come across, there is something to be said for getting what you signed up for.

One negative in their portfolio is a three year contract which is standard on all their merchant contracts, as well as a fairly aggressive cancellation/termination fee, if for any reason the merchant should need to cancel their account or decide to switch processors during the first 3 years they are processing. While their track history is fairly strong, we always have to question the need for a specified length contract when the merchant processor is an upstanding company that stands behind their rates and customer service.

Capital Merchant Solutions includes:

Before You Sign A Contract!

We recommend that all merchants speak with at least 2 processors before signing their contract. Why?…

First – You should feel comfortable with the sales representative, if you’re feeling pressure on the call or feel as though you are not a focus, it’s unlikely your experience will improve after signing your contract!

Second – Be wary of introductory rates (specifically qualified rates) in the initial pitch – each business is unique and the rates/fees that will actually save your business the most, are only available once the sales representative has learned about your business.

We currently have Cayan listed as our top ranked merchant service provider. However if they do not fit your needs, you can look through our full list of processors and find the one that is right for your business here.

About author

SMB Reviews
SMB Reviews 492 posts

SMBReviews is committed to providing small and mid-sized business owners with the information and resources they need to select the best service or product for their company.

Editor review

Costs
3/5
Sales
2/5
Customer Service
3/5
Ratings
2.5/5

2.63

Fair
2.63
Summary

While their track history is fairly strong, we always have to question the need for a specified length contract

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