About Merchant Fee Removal
Overview
Merchant Fee Removal Services LLC is a Texas limited liability company based in Austin that was organized in November 2016 by Michael J. Richardson, who is listed as the managing member. The company markets credit card processing aimed at small and mid-sized merchants who want to shift the cost of card acceptance off of their own books and onto the consumer at the point of sale. Its product combines payment processing, point-of-sale hardware, and a flat monthly billing model in place of percentage-based discount rates.
Business Model
The company's offering is built around a cash discount or surcharge structure. Rather than the merchant paying a percentage of each card transaction to a processor, the customer paying with a credit card sees an added fee at checkout, while customers paying with cash receive an equivalent discount. The merchant pays a flat monthly fee to Merchant Fee Removal Services for the equipment and the processing setup that enables the program. Marketing material emphasizes a near-zero net processing cost to the merchant under this arrangement.
Current Status
As of May 2026, the original domain associated with the company, merchantfeeremoval.com, resolves to a GoDaddy parking page with no live business content. A second domain previously associated with the brand, mfrservices.com, now hosts an unrelated mobile fuel delivery business. Several third-party business directories and review sites indicate that Merchant Fee Removal Services may no longer be actively operating, although no formal dissolution notice has been confirmed.
Pricing
Processing Rates
Merchant Fee Removal Services does not publish a current rate sheet. According to user reviews and expert content, the company markets a flat monthly fee reported at approximately forty-nine dollars in place of a percentage-based discount rate. That monthly fee is paired with a cash discount or surcharge program under which customers paying by credit card are charged an added fee reported at roughly four percent of the transaction amount, while customers paying with cash receive an equivalent discount. The intent of the model is that the merchant's effective processing cost is replaced by the flat monthly amount, while the per-transaction card cost is borne by the cardholder.
Other Fees and Terms
The company does not publish information on hardware costs, statement fees, PCI compliance fees, monthly minimums, batch fees, early termination terms, or chargeback fees. Independent reviewers note that contract terms are not publicly disclosed and recommend that prospective merchants request a complete fee schedule and a copy of the full processing agreement before signing.
Contact
Ownership/Leadership: Michael J. Richardson
Address: 7901 Cameron Road, Suite 381, Austin, TX 78754
Phone: (877) 672-6887
Recent User Reviews
Michael Richardson claims to be a Christian, but his lack of integrity says otherwise. I was recruited as an independent agent for his company. Once I find his paperwork, communication seems to ceased. In that I would never get training when requested or no response entirely. Only to assist me if there was a potential client to sale. I’ve asked multiple times for me to be released from our contractor agreement that takes both parties to agree, and he refused to send me a termination agreement letter.
Horrible company to work with. Michael is a fraud. He will tell you everything you want to sign up for service. He will never deliver per expectations. If you tell him to cancel service he will pickup equipment and keep charging you for service. If same thing happened to you then please contact me and we can take legal action together.