Flagship Merchant Services is one of the largest credit card industry ISOs (independent sales organizations, which act as a 3rd party between a merchant and an acquiring bank that receives the credit card transactions). Under their corporate name of CardServ Inc., they are headquartered in Charleston, MA, and were established in 2001. They focus on payment processing solutions for small- to medium-sized businesses.
OPTIONS
Statement Fee
$7.95
Clear the Account
2 Days
Monthly Minimum
$15.00
Approval Rate
98%
Setup Time
1 Day
Free Terminal
NO
Average Rate
1.598%
Transaction Fee
$0.21
RATINGS
97%
HERE IS OUR FULL REVIEW
Pros:
They handle the range of commerce from bricks and mortar retail operations, phone and mail order, Internet and e-commerce. They offer equipment, credit card, wireless, check and debit payment solutions, gift cards, and more tailored to a business. The e-commerce gateway they use is the respected Authorize.net, and their payment processor is the well known First Data. Among credit card processors, rates are competitive and they offer month-to-month with no cancellation fee. In addition to tiered pricing, they also offer the usually more desirable interchange plus pricing. Online reports are provided. Customer support is 24/7. The Better Business Bureau (BBB) gives the company an A+ rating, their highest.
Cons:
With a large company, a certain number of complaints are to be expected—and delivered. Among those posted: Complaints have been made about rude customer service and difficulty in dispute resolution, getting contested charges reversed and sometimes long holds before money is deposited into an account. 19 complaints in the last 36 months with the BBB were responded to and closed.
OUR FINAL CONCLUSION
Overall, Flagship Merchant Services is a credit card processor with an excellent track record, competitive pricing, and equipment and services to meet the needs and satisfaction of most businesses. They occupy favorable ranking on other review sites and the Better Business Bureau has them at A+.
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