Merchant Lynx Reviews

posted in: Merchant Accounts | 2

Merchant Lynx Overview

Merchant Lynx Services is a merchant account provider that acts as a reseller of iPayment products and services. The company has offices in Illinois, Pennsylvania, Maryland, and New York, but appears to be headquartered in Florida. The Merchant Lynx website describes the company as “Groundhog Enterprises, Inc., DBA Merchant Lynx,” and Groundhog Enterprises is a registered corporation in the state of Florida. Merchant Lynx’s mailing address is located at its Maryland office, which suggests that the company presents some of its addresses interchangeably.

Merchant Lynx’s products and services include credit card terminals, check imaging, check guarantee, an online payment gateway, e-commerce solutions, point-of-sale systems, and mail order and phone order solutions. The company offers “remote support” to merchants as well as general contact information on its website. John Kucyk is the president of Merchant Lynx.

Merchant Lynx Logo
Merchant Lynx Logo

At a glance

Founded: 1999

Location: Palm Beach Gardens, Florida

Acquiring bank: Wells Fargo Bank


Phone number: 866-873-2200

E-mail: [email protected]



Online reputation and reviews

Merchant Lynx is the subject of over 100 negative reviews online from dissatisfied merchants. Commonly cited issues include undisclosed fees, higher-than-expected rates, excessively priced equipment leases, high termination fees, unauthorized debits, and unreachable customer service. These complaints have been posted with regularity over the past few years, indicating that Merchant Lynx has done little to address the underlying issues. These types of negative reviews are commonplace for iPayment resellers, and Merchant Lynx should not be regarded as an exception to the general rule.

Legal actions and lawsuits

Following an investigation by the Florida Attorney General, the owners of Merchant Lynx signed an assurance of voluntary compliance in April 2014. The document acknowledges that the company entered into the assurance “without an admission that [Merchant Lynx] violated Florida’s Deceptive and Unfair Trade Practices Act or any other law and solely for the purpose of resolution of this matter with the Department.” Nevertheless, as a condition of the agreement, Merchant Lynx paid the Florida Department of Legal Affairs $40,000, $10,000 of which was designated for “restitution to consumers.” The company also agreed that (among other conditions) will abide by the following restrictions:

  • Shall not alter contracts post-execution or forge contracts
  • Shall continue to provide a copy of the complete terms of service, including especially the Merchant Lynx “Program Guide”, to each customer
  • Shall continue to allow each customer 30 days to cancel the contract, from the date of receipt ofthe Program Guide or other Terms of Service
  • Shall continue to clearly and conspicuously disclose the average rates customers are charged for processing, either in the contract, Program Guide, or other Terms of Service
  • Shall continue to clearly and conspicuously disclose any and all additional applicable fees either in the contract, Program Guide, or other Terms of Service
  • Shall not debit customer accounts without customer authorization
  • Shall respond to customer complaints with all reasonable promptness
  • If handwritten notations indicating a deviation from the standard contract are made, the deviations shall be initialed by both parties. Where this process is followed, Respondents will honor the hand-written, initialed deviations to the standard contract


Per the agreement, violations of these terms will “subject Respondents to any and all civil penalties and sanctions authorized by law, including attorneys’ fees and costs.”

Have you used Merchant Lynx for your business? Rate the company at the top of this post and tell us about your experience in the comment section below:

2 Responses

  1. Cherri

    I’ve asked this company to remove us from their calling list, but they rudely refuse. They are not MERCHANT LINK they are a similarly named company riding on the reputation of a decent company. Really, if you have what it takes to compete in the same market, make a name for YOURSELF. I’m not going to the grocery store to buy Foldgers coffee. I want FOLGERS. I don’t understand why anyone would trust their business to a company who tries to scam them from the very beginning of the relationship.

  2. Trent Nauth

    I was a customer of merchant lynx services. They are charging me fees that they shluld not be and that was not in the contract. I was an agent with them as well and i sold this stuff. Their zip runners accounts are 100% free. At least thats how they have us sell them. They kept us in the dark and flat out refuse for us to deal with the customers directly. They want us to have no contact. Come to find out i ran across a few and they were telling me all their problems in public and going crazy. I called to see what was going on. I got the run around and was lied to by corperate office and my agent managers. Worst company i have ever dealt with or came across. Fighting them with my bank to get my money back

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