ProMerchant - Top Merchant Services

Our Verdict

ProMerchant seems to provide most of the services needed by a business to get up and running quickly. They have a good scope of services which really allow you to pick from a menu which could potentially by customized for your business. They support practical solutions for brick & mortar stores, phone retailers as well as online sales, even though some of the services, such as Authorize.net and larger POS hardware, might come with an additional cost. There seems to be an inherent advantage to smaller businesses looking to avoid dealing with finer points of credit card processing. Which the products and services might be there, it is hard to make a comparison when there is no price transparency on ProMerchant’s website. The best bet would be to call for a quote and see what they can offer.

Pros

Fast Set Up
No Set Up or Application Fees
24/7 Customer Service
Custom offers
Next day funding

Cons

No package or hardware pricing on website
No ACH Processing offered
Minimal FAQ’s available on website

Plans & Pricing

ProMerchant offers two tiers of plans. The first is Interchange Plus Fixed Rate (percentage for each transaction) which comes with a monthly fee while the second is a Flat Rate for all transactions with no monthly fee. In both cases, you are asked to call the company to get a quote so it is tailor made for your business. They also offer new clients a free handheld card reader. There is no free trial period available but you can cancel at any time as there is only a month to month commitment and no early termination penalties.

There is additional hardware as well as gateways available through ProMerchant. Each has its own advantages and some come with advanced features but you also need to be aware of the additional costs which can either be one time fees or monthly charges.

ProMerchant will service high risk clients.

Interchange + <br>Fixed Rate

Custom

Month-to-month contracts

Flat Rate

Custom

No monthly fees, Flat percentage rate

In-depth review

Features and Functionality

Simple and Fast Set Up

ProMerchant offers same day account setup and usually approves new clients within 24 hours. After set up, the user will have access to activity reports, billing statements etc. Businesses which process their orders over the phone or online can be operational within 48 hours. ProMerchant will also ship hardware overnight which means an in person business can be up and running within 72 hours.

Accepts all Types of Cards

ProMerchant accepts a long list of debit & credit cards incuding: Visa, Master Card, Discover, Amex, Diners, WEX Fleet & Voyager Fuel Cards, Flex Cards, Flexible Spending Account debit Cards more.

Suitable for Intermittent Businesses

ProMerchant also seems to be a good fit for intermittent businesses such as outdoor festivals, convention sellers and other pop up merchants which need to get set up quickly but don’t need full 24/7 service.

Hardware Requirements

Businesses can either use their existing hardware or ask ProMerchant to provide them. They offer a wide variety of stations from simple credit card terminals to POS systems. The more basic equipment can be provided free of charge such as the Verifone VX520 terminal or the PAX A920 station. More expensive hardware will be charged to the merchant. These costs are not listed on ProMerchant’s site.

Integrations & Add-ons

ProMerchant integrates with POS software including Harbortouch, Vend and Clover. They also sell Clover devices for undisclosed amounts. It also supports the Payments Hub and Authorize.net payment gateways for phone sales & mail in sales. They use Authorize.net for e-commerce sites as well. ProMerchant is also compatible with Quickbooks Online accounting software.

Ease of Use

Getting setup can be complicated, especially when using a new gateway or hardware. ProMerchant’s customer service helps new clients initial setup of any new merchant service provider can be a bit complicated, especially if you’re using a new gateway. ProMerchant’s customer service is committed to taking you through the set up process until you’re up and running.

Customer Service

ProMerchant offers 24/7 customer service and support over phone (toll free number) or e-mail. They also have personal support experts or account directors available for every client.

Phone Support

Phone support is available 24/7 for queries via toll free number

Email support is available and also 24/4 using contact form on website

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Andrew Omalley

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.