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AVERAGE APPROVAL RATING:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

With Total Merchant Services, getting approved is no problem. It has an excellent approval rating for new merchant accounts. Total merchant services will approve 100% of merchant accounts that meet the following standards:

  • Visa/Master Card volume less than $10,000 per month
  • Average ticket less than $300.00
  • Future Service Liability less than 30 Days*
  • Acceptable type of business

*This means that the customer receives the product or service within 30 days of the credit card charge.

COST PER MONTH*:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

Total Merchant Services has among the lowest monthly costs, including a $10.00 statement fee and a $25.00 monthly minimum. The 2.25% discount rate has a $0.20 transaction fee. Charge back fees are affordable too, at $15.00 each.

STARTUP COST:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

The $245.00 startup cost for Total Merchant Services is pricey compared to other services we reviewed.

ACCOUNT SETUP TIME:   Product Feature Score Product Feature ScoreProduct Feature ScoreProduct Feature Score

Total Merchant Services processes your application within four days, and it takes two additional days for you to begin receiving your money.

CUSTOMER SERIVCE:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

We did not get through the first couple of times we tried to contact Total Merchant Services. When we did, we received answers to most of our questions.

INTERNET BASED FEATURES:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

Total Merchant Services offers a choice between the Authorize.net and Advanced Merchant Services for your payment gateway.

P.O.S./SWIPER BASED:   Product Feature Score Product Feature Score Product Feature Score Product Feature Score

Total Merchant Services offers four different models of Point-of-Sale terminals for your retail store business.

SUMMARY:

Overall, Total Merchant Services is a good credit card processing service with everything you need to get started.