Merchant Perfect Review

Updated: June 2025

Merchant Perfect is an excellent merchant account provider, committed to finding the best possible debit and credit card processing solutions. They offer personalized customer care that evaluates your entire business. This service generates a customized processing solution that meets your needs in a cost effective manner. Merchant Perfect backs up their promises by offering a 30-day risk free trial, guaranteed low rates, no locked in contracts, a free terminal program and no monthly minimums. Their customer service is available 24/7/365, which is important in today’s marketplace. Merchant Perfect is a great option for merchants due to their cutting edge processing solutions, exceptional customer service and very competitive rates and fees.

Overall Cost – Rates & Fees
Merchant Perfect offers low rates and fees, advertising 1.19% for swiped transactions and 2.15% for keyed-in transactions, but they can go lower in many cases. Transaction fees range from $0.19 – $0.23 and there are no monthly minimums. Just as with any merchant provider, the rates and fees you get will depend on a number of factors, including the type of cards you accept, the type of account you intend to open, the type of transactions you process, and other specifics. Additionally, they offer a free gateway and virtual terminal set-up, a free terminal program and guaranteed low rates. Merchant Perfect will customize a merchant account that helps you attain the best rates and fees for your business.

Customer Service
Merchant Perfect has very high standards for their customer service. Their account representatives and tech support team are available on-demand regardless of the size of your problem. Account representatives at Merchant Perfect are trained on current processing solutions, but also armed with the knowledge of future technology that can affect your business. Don’t make the mistake of overlooking the value of strong customer service; it’s vital to your success.

Credit Card Processing Options
Merchant Perfect offers solutions for every type of credit card processing option, including retail, internet, wireless/mobile, phone and mail. They also create custom processing for merchants with more complicated, or multiple processing needs.

Internet
Merchant Perfect offers certified, PCI-compliant e-commerce solutions, compatible with all shopping carts. In order to maintain PCI compliance you will need an on-line payment gateway, which securely accepts and transmits data over the Internet. Verification of information and authorization of payment occurs in seconds. Merchant Perfect offers three different payment gateways: Authorize.net and two of their own internal payment gateways. Transaction Central is used to facilitate e-commerce or ACH payments and Transaction Express, which is mainly for keyed-in transactions. It is less likely that you would use a virtual terminal to key-in transactions for internet orders, but it is available within Merchant Perfect’s portfolio of products.

Retail
Merchant Perfect provides several methods to accept retail payments. They offer every type of terminal available, including dial-up, dual-comm, PIN pads, check readers, imagers and printers. Simply put, every option is covered.

Wireless & Mobile
Do you need to sell at a clients place of business, a trade show, a fair, or anywhere on the road? You can with wireless or mobile credit card processing. Merchant Perfect offers 4 types of wireless solutions. The first is wireless terminals for swiped, key-in and store and forward transactions, including WAY 500, Hypercom M4230 and Nurit 8020 M20. The second uses virtual terminals that can be accessed via laptap, tablet or mobile phone with an internet connection. The next is DialPay, which allows you to process credit cards anytime-anywhere with a touch tone phone. The last option is to add a card swiper to your iPhone with a Transaction Central merchant account or download a free app (UCharge or PayFox) and purchase the optional swiper.

Mail & Telephone
MOTO (Mail Orders Telephone Orders) must be performed as a keyed-in transactions. It can be done in two ways. The most popular method is with a virtual terminal using a secure payment gateway. The virtual terminal can be accessed at any time on the web, wherever there is an internet connection available. In addition to credit or debit card payments, Merchant Perfect’s virtual terminal allows you to accept automatic recurring payments and electronic checks. The second option is to use the credit card machines you typically see in retail stores. Regardless of the method, Merchant Perfect has a solution.

Reliability/Credibility
Merchant Perfect has an A- rating from the Better Business Bureau. The only reason the BBB didn’t grant an A+ rating was the length of time the business has been in operation (7 years). Remarkably, they have no complaints filed against them with the BBB — which explains their 96% client retention rate. You would have a hard time finding any other provider with a 96% retention rate, which says a lot about the level of customer satisfaction. Merchant Perfect is a medium large provider that is quickly morphing into one of the largest in the industry as merchants quickly take note of their commitment to excellence.

Additional Features
• Money clears next day for eligible merchants
• Gift cards program
• Text marketing
• Loyalty Programs
• Automatic recurring payments
• Electronic check acceptance
• Interactive voice response
• Tokenization