The Merchant Solutions Customer Reviews

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Recent User Reviews

June 4, 2025

The Merchant Solutions took the time to understand our business and set us up with exactly what we needed. The transition was smooth, the pricing is fair and clear, and their team has been incredibly responsive every step of the way. It’s been refreshing to work with a company that actually delivers on what they promise.

Jonathan Reed

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The Merchant Solutions Company Overview

The Merchant Solutions (TMS) is a U.S.-based payment processing provider founded in 1999 and headquartered in Woodland Hills, California. The company offers a comprehensive suite of merchant services, including credit and debit card processing, electronic benefits transfer (EBT), check conversion and guarantee, gift and loyalty card programs, and merchant cash advances. TMS serves a diverse range of industries such as retail, restaurants, healthcare, government agencies, and e-commerce businesses.

TMS provides various point-of-sale (POS) solutions, including traditional countertop terminals, wireless and mobile devices, and integrated systems compatible with Apple Pay, Samsung Pay, and Google Wallet. They also offer online payment gateways and virtual terminals to facilitate e-commerce transactions.

The company emphasizes competitive pricing and claims to offer the lowest processing rates, with a guarantee to beat existing rates or provide $1,000. However, customer reviews are mixed. While some clients praise TMS for its responsive customer service and efficient setup process, others have reported issues such as hidden fees, long-term equipment leases, and difficulties with contract cancellations. Common complaints include undisclosed fees and termination charges exceeding $900.

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