• Editor Rating

  • Rated 3.5 stars
  • Very Good

Review Summary: offers retail solutions and e-commerce and offering standard equipment and fairly competitive pricing.


Review Summary: offers retail solutions and e-commerce and offering standard equipment and fairly competitive pricing.

View our Top Ranked Processor, LLC started as a web hosting company in 1998 under a different name. It was not until 2003 that they became a merchant service provider after seeing their clients needed processing solutions as well. They’re a registered ISO/MSP for HSBC Bank and offer retail solutions and e- commerce and have the standard equipment like POS systems, credit card terminals, virtual gateways, and wireless terminals. is accredited with the Better Business Bureau and has an A + rating. Over the past three years, they’ve only had one complaint filed against them which is an outstanding number. The one complaint was filed back in June of 2011 and cited problems with product/service. Since there were so few complaints filed under the Better Business Bureau, other complaint board websites were checked like and surprisingly, there are few if any complaints filed elsewhere as well.

This could be attributed to being relatively up front with their pricing structure before a merchant signs their merchant application to avoid complaints later down the road. Either way, only one complaint is a very impressive number as even the most reputable merchant service providers may have hundreds of complaints filed against them.

Like most merchant service providers, relies on a mix of independent sales agents and organizations, affiliate marketing, and an inside sales team. They only advertise their referral program on their website which means that they mainly rely on their inside sales representatives instead of their independent agent program. This is an ideal way of offering their merchant accounts as it translates into a more uniform sales experience for the merchant. One of their major marketing campaigns right now is their free Point of Sale system program in which the merchant gets a POS system for no startup cost.

Before You Sign A Contract!

We recommend that all merchants speak with at least 2 processors before signing their contract. Why?…

First – You should feel comfortable with the sales representative, if you’re feeling pressure on the call or feel as though you are not a focus, it’s unlikely your experience will improve after signing your contract!

Second – Be wary of introductory rates (specifically qualified rates) in the initial pitch – each business is unique and the rates/fees that will actually save your business the most, are only available once the sales representative has learned about your business.

We currently have Cayan listed as our top ranked merchant service provider. However if they do not fit your needs, you can look through our full list of processors and find the one that is right for your business here.

One of the major advantages that has is they offer a free POS system as mentioned above. This does sound a little too good to be true, and in a way it is. Although the POS system itself is free, they do charge $59 per month and per quarter for its usage, on top of their $10 monthly service fee. That’s an extremely high monthly cost and does not make financial sense when factored into the 5 year contract for that program. For retail/swiped merchants, they offer 0.69% for debit cards, 1.69% qualified rate, a 2.44% mid qualified rate, and a 3.29% non qualified rate, with a $0.20 transaction fee for all transactions. For e-commerce or keyed merchants, 0.99% debit, 2.19% qualified, 2.94% mid, and a 3.79% non qualified rate with a $0.25 transaction fee for all transactions. They have a $10 monthly service fee and a $25 monthly minimum on all accounts.

Although this pricing structure is competitive, it’s not the best, it would be a lot more competitive if there were no monthly minimum.

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SMBReviews is committed to providing small and mid-sized business owners with the information and resources they need to select the best service or product for their company.

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Summary offers retail solutions and e-commerce and offering standard equipment and fairly competitive pricing.

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  1. Hello - My name is Sherene and I'm a small business owner who has been a client of Steven Curtis' at GotMerchant / Harbortouch since 2012. I based my decision to go with them on many positive reviews and few complaints. I was aware that the overall cost to use them was high, but I really did need the low-cost entry of an all-in-one solution, so I believed it would be worth it to me. Plus I knew I'd be expanding in the next 5 years, and I knew this would be an easily scalable solution for me. And indeed it was a good experience -- for the first 3 years of the 5 year contract. The software on the POS met my needs perfectly, and Harbortouch used to have fantastic technical support and responsive service. When my business expanded, and I asked to move from one terminal to three, GotMerchant informed me I'd need to utilize their "upgraded" software. Curtis assured me it would meet all my current needs, and then some. I was very specific about the things I needed to have in a POS, since my business is somewhat specialized in the way we process transactions. Unfortunately, the new software not only seem like an upgrade, there were MANY things it couldn't do that the original software could. These things were critical to the effectiveness and efficiency of our operation and were terribly missed. We worked with Tech Support and their Customer Escalation Department extensively, only to be told finally that the functions we needed were no longer possible - and there was nothing they could do about it. We couldn't downgrade to the old software since the new terminals couldn't use it. They couldn't help us with custom programming, but hinted that new functionality would be released in future builds that might meet our needs. This was totally unhelpful. When I asked to be let out of my contract since the system no longer met my needs, I was turned down flat. No one would even negotiate with me. It's another downside of being a small business with no legal team. What seemed like an advantage in the beginning has turned into a nightmare where we are stuck with equipment, software and a processor who no longer serve us, but cannot get free. I urge other small business owners to look elsewhere for a credit card processor and merchant services. All of the positive reviews of Curtis Stevens and GotMerchant are several years old - before the "upgraded" software became their new standard. Run, don't walk, from this company. The low cost of adoption is not worth it, and Curtis will abandon you with alacrity as soon as you need his help. Once the contract is signed, he disappears and only chimes in to tell you why he can't help you with any of your problems after that. Very disappointing.

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