US Merchant Systems Review

US Merchant Systems Review

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Overview:
U.S. Merchant Systems (USMS) is a merchant account provider that came into existence in 1992. Since they have been in the business for so long, around 20 years, which is enough for any company to not only make their place in this industry but also make lots of merchant clients. This much time is also enough for us to judge them seeing their progress. So far I could find only one big flaw on their profile and that is their so-called association with Bankcard Empire.  Bankcard Empire has been lately raided by Feds and if you see USMS profile on BBB you will find a notification stating that Bankcard was representing itself as USMS, and was found to be involved in some illegal business practices. This devious business has been reported on BBB by loads of merchants putting the blame on USMS in the view that they were working with USMS.

They can easily set off this negative publicity by putting some happy client’s case studies or testimonial section. In fact, they have lately a testimonial section on their site, seems like they are really working to  hit the road of success.

Moreover you can find them on their Twitter account, Facebook page, and LinkedIn profile, in case, you have something positive or negative to say about them. If you have any experience with USMS, feel free to share.

I have rated USMS 4 out of 5.

Date Established:
1992.

Location:
Fremont, California.

Domain Name(s):

  • www.usms.com.
  • www.merchantsystems.com.

Parent/Partner Company:
No parent or partner companies that I was able to find.

Type:
Registered ISO/MSP.

Acquiring Bank(s) (Acquirer):
HSBC Bank.

Payment Processor(s):
Unknown.

Payment Gateway(s):
Self-branded payment gateway, but they can also set you up with Authorize.Net.

Trust Symbols:

Check out the USMS BBB profile here. They have a “A+” rating as of this review with about 36 complaints filed against them in the last 36 months. Those 36 complaints look pretty bad for USMS.

Half of those complaints for USMS could have been because of their crappy partnership.

Negative Reviews:
You can find some negative reviews on RipOffReport. A couple of those negative reviews are worthless as they are an internal conflict between a sales rep and USMS. The whole thing could possibly be about the Bankcard Empire deal I talked about earlier, or just another in-house beef, so definitely take it with a grain of salt.

Common Complaints:
Both the BBB complaints and the ROR negative reviews are across a wide spectrum of issues, so there aren’t many commonalities amongst them.

Verifiable Testimonials/References:
They do have some testimonials on the site, but it would be nice to see the merchant’s full name. Maybe they’ll give you some references if you ask for them.

Security/Privacy:
No on-site security features (i.e. McAfee, Security Metrics etc…).

Customer Service:
USMS is another one of those companies that I haven’t dealt with myself, so your comments would be much appreciated.

Contract Duration:
I was told that there isn’t any contract term, but a recent ROR complaint suggests otherwise. Make sure you read your entire contract before signing up.

Cancellation Fee:
No cancellation from what USMS told me, but again be sure to check your contract.

Seasonal Downtime:
They said that they do offer seasonal downtime.

Product/Service Offering:
Credit Card Processing, ATM/Debit Card Processing, Gift Cards, Electronic Check Processing, Check Guarantee, POS Equipment, Online Payment Processing (e-Commerce), Internet Storefront Builders, Shopping Carts.

Product/Service Specialty:
None in particular.

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One Comment

  1. MLS scam. Using new name from USMS aka US Merchant Systems aka merchantsystems.com. website preys on those desperate for work. You make money by soliciting and scamming others to join and solicit small to mid size business owners into signing up for a monthly fee to gain access to discounts already available to them. Under investigation federally- stay away.

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