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Complete Merchant Solutions Company Overview

Complete Merchant Solutions (CMS) is a U.S.-based payment technology provider founded in 2008 and headquartered in Orem, Utah. The company offers a range of payment services, including credit and debit card processing, ACH and eCheck transactions, remote deposit capture, gift and loyalty card programs, virtual terminals, and integrated POS solutions. Its proprietary platform, Nexio, delivers tokenization, fraud mitigation tools, and scalable API-driven infrastructure for businesses requiring customized payment workflows. CMS serves small to mid-sized businesses across various sectors, including retail, hospitality, e-commerce, mobile services, and government. The company emphasizes relationship-based service and provides in-house technical support. CMS is accredited by the Better Business Bureau with an A+ rating. Customer reviews are generally favorable, highlighting user-friendly systems and responsive support. However, a small number of users have reported issues such as unexpected billing adjustments and occasional service interruptions. CMS presents itself as a full-service processor with modern, customizable software for merchants seeking reliable, scalable payment technology.