Founded in 2001, Flagship Merchant Services is a leading provider of credit card processing and payment acceptance solutions for e-commerce based businesses, every type of retail business, and other businesses that require processing services. Flagship Merchant Services has the payment solutions businesses need to accept any type of payment (credit card, debit card, EMV, NFC/contactless) securely and safely, and at a competitive rate.

Continue reading our expert Flagship Merchant Services review or jump straight to Flagship Merchant Services reviews from customers.

Flagship provides 24/7/365 customer service, quality credit card processor equipment, and technical support for all merchant account customers. Each customer also has access to a suite of business management analytics, customer service resources, and self-help for any big or small business through its proprietary customer engagement portal. The company prides itself on maintaining strict PCI compliance and quality customer service to provide merchants with every necessary solution for saving money.

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The Good

Free Statement Analysis
Products and Solutions
No Up-Front Costs

Free Statement Analysis

Flagship Merchant Services welcomes the opportunity to analyze a customer's existing statements and salary figures to uncover any opportunity for potential credit card processing savings. Flagship representatives are also well-versed in all the latest payment processing technologies in and around payments. Its employees will work with each merchant account client to align them with the products and services that help them accomplish their big or small business goals.

From traditional payment processor techniques to a point-of-sale solution to omnichannel, Flagship Merchant Services provides you with a product and customer service focused on ethical practices, PCI compliance, and amplifying the savings opportunities with a merchant account.

Products and Solutions

For traditional payment processing, Flagship offers two different processing structures: Interchange Plus, and a tiered pricing structure with three different rates for debit and credit cards.

The company also has a variety of products and solutions, such as wireless payment processing(allowing you to accept all major credit card and debit card payments whether in-store or out), e-commerce and internet business solutions (allowing you to accept online transactions), and phone/mail order services.

Products and Hardware

Merchant accounts through Flagship gives you a variety of payment acceptance products and hardware to ensure business owners/merchants find the best system for their business:

Credit card processor terminals
Mobile merchant account services
E-commerce
MOTO
Point of sale (Clover Station, Mini, Mobile, and Flex)
Over 200 free and subscription-based apps

Value Added Solutions

Some business management solutions that also add value to what merchants will receive through Flagship include, but are not limited to the following:

Merchant cash advance
Check acceptance
Gift
Loyalty
Reputation management
Advanced business analytics

No Upfront Costs

Flagship understands that upfront costs can be a challenge for a new or existing business looking to accept credit cards, debit cards (whether it's a prepaid debit card or a reloadable debit card), alternative payments, and/or implementing a new point-of-sale business management solution, which is why the company does not have start-up fees. In addition to not having any start-up fees or charges, Flagship also has a variety of equipment offerings that do not require an upfront investment including a free loaner program on terminals and Clover leasing and financing options.

Flagship Merchant Services has one of the largest credit card fraud, chargeback, and loss prevention departments within the credit card processing industry (which gives you, the merchant, the ability to promise your customers with a secure payment gateway). It also offers a thorough and complete enhanced security package, which is designed to help businesses achieve and retain PCI compliance, and also ensure that their customer data is secure.

A business that is PCI compliant will more easily win the trust of its customers. A key element of that service is also $100,000 in breach protection. All of the best merchant service providers devote an incredible amount of time, money, and effort to security services. A quick look at any given company's merchant services reviews will tell potential clients everything they'll need to know.

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The Bad

Excluded Businesses
Limited Information

Excluded Businesses

Flagship Merchant Services does not offer service for the following business types:

Non-retail gun sales
Marijuana-related goods and services
Pornography-related goods and services
Travel
Third-party billing services

Limited Information

Flagship Merchant Services is not entirely transparent on its website. Although the company has posted some of its terms online, it has not published actual numbers regarding the following fees:

Overall pricing model, including annual fee or monthly fee for service
Card transaction fees
POS transaction fees
Processing fee
Credit card terminal costs

While you can reference the sample numbers on our company details sidebar of this page, be aware that rates may vary. The company states that each business owner receives a personalized solution, therefore pricing cannot be determined prior to a consultation. For more information, customers must take the time to contact Flagship Merchant Services.

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The Bottom Line

Flagship Merchant Services has been a merchant service provider and has specialized in credit card payments processing for over a decade and continues to offer stable, professional, and cyber-protected services for both large and small business needs. Whether a merchant chooses a mobile credit card processor, terminal, Clover POS, and/or virtual checkout via the Internet, the ultra-encrypted process is safe and reliable. Many of the company's merchant services reviews attest to its fantastic customer service.

Businesses that choose to obtain a merchant account through Flagship Merchant Services will find that its customers will have virtually unlimited payment options (whether they pay with debit cards online, mobile in-store, or with your average credit card out of store).

One of the company's best features is its month-to-month agreements coupled with no cancellation fees, which is uncommon among merchant service providers, allowing retail, restaurant, and e-commerce businesses the benefit of trying out Flagship's services without the fear of steep fees.

Keep in mind that while sample numbers are provided at the top of this page, your monthly fee and other fees may vary depending on your needs. An application can be filled out directly through the company's website. An online form can also be filled out if you would like a representative to get back to you.

*Certain terms and conditions may apply.

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1-(855) 977-3255

Or you can visit Flagship Merchant Services' website.

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User Reviews

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715 Reviews

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4 grade

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3 grade

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1 grade

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Ettamarie Wasson Arden, NC

Initially when I talked to the representative he gave me the rate and the rate seemed very good and so I thought I would do that and I asked him if it was you know a tiered saying if there is extra fees for any for instance master cards in the says that have rewards if they were more expensive and he said no it was the flat fee so I said okay and I stand up then when I get my statement I noticed they or not it was not true I got charged extra for the different tiers of card tricks etc. and so I was very upset and then I had a very hard time trying to cancel out. Three shows wasn't told that I have to be PC compliant and I'm still just letting them get in it but it ranges it cost me money from thirty to seventy five Bucks a month for not being PC required but I was never told that I would also have to pay a fee to be PC compliance.

8 years ago

Reply from Flagship Merchant Services

We apologize that we did not meet your service expectations. We work diligently to ensure that all of our fees and pricing is clear from the onset with all new customers. Additionally, all fees and services are clearly outlined in the merchant agreement. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 4th, 2018

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Elizabeth Beckmann St Louis, MO

I started a new business so I got this product. I never received the credit card wireless piece of equipment that I was supposed to receive but received the wrong piece. I sent it back and they never credited me for that and continue charging me every month for a little over twelve months. I ended up paying almost a thousand dollars to flagship for receiving absolutely zero service. They need better customer service so someone can follow up with problems when they arrive. They need to be more honest, there is absolutely no management that you can contact and I'm actually part of a lawsuit against them currently so I hope that goes through and I hope I get my money back.

8 years ago

Reply from Flagship Merchant Services

We apologize that we did not meet your service expectations. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 4th, 2018

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Robin Stern Dallas, GA

Horrible experience, worst possible business I've ever done business with my life. We did use their swipe and it was bulky and bigger than anybody else. It is very difficult to use with the phone, it had to be used upside down with my phone and when I told him that they said that was the way it was designed, I couldn't understand that at all. Their website it was horrible to try navigatate. They could work a little harder on their customer service, being more customer oriented and not so ridiculously militant about how they do things. The cost of it was ridiculous, we signed up for a very reduced cost and they just kept lying to us and we were getting charges that we absolutely were unaware of an absolutely made no sense. I had to threaten them to completely take them to court to get them to remove all the charges that I should have had anyway.

8 years ago

Reply from Flagship Merchant Services

Robin, we sincerely pologize that we did not meet your service expectations. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 4th, 2018

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Harry Higinbotham Florissant, MO

Their advertised low transaction rate was what brought me to Flagship. The software wasn't super intuitive, it was just average. Customer Service was not very helpful when I called them several times, occasionally several of them were borderline rude to me. It would be better if they were more forthcoming with their policies and if their product is the best for my business. People need to know in detail and perhaps verbal and in writing, people need to hear it when they sign up for it because there is a short window in which I had to submit documentation for PCI compliance and because of that I ended up not submitting in time. then I got slapped with huge fees. They also were not forthcoming with their policies and minimum number of transactions. I mean if you're a business that has a lot of transactions then Flagship might be right for you. I was only using it occasionally and didn't have a lot of transactions so it wasn't right for me and a waste of money.

8 years ago

Reply from Flagship Merchant Services

Jun. 4th, 2018

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Verified Customer

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Run Away!

Last year we opened a merchant account with Flagship Merchant Services for a brand new 501c3 Non-Profit Community Theater so that we could sell tickets for a fundraiser. The set up was horrible, my rep was non communicative and we fell behind schedule from the get-go. After getting set up with them, the coordinator set up the wrong account as we asked to use Authorize.net and he set up with a different company, so we continued after many days to be behind. Since we fell behind so badly, I had to change the date of the event. The event lost steam, performers couldn't make the new date and so we canceled the event. I explained all of this to the rep and asked for my account to be put on hold. He never told me of the continued monthly fees. Since this was literally the ONLY thing active on our bank account, I never went back to check the account thinking we were good until I reactivated it. Well after seeing numerous charges, I asked to cancel the account and be refunded. I filled out the form in December but since they didn't accept the signature, I was billed all the way until April. We NEVER ONCE used the merchant services but racked up a grand total of $799.73 in charges. I have spoken with several customer service agents and they have been completely unhelpful. If I could report this company to the BBB or other agencies I would. DO NOT use them as they are snakes and their i-portal takes on another fee, so their percentages and monthly costs are not accurately reported or shared. They have great SEO so they pop up on everything, but they've really hurt a brand new Non-Profit significantly and since my wife has terminal cancer, this $800 was an enormous burden.

8 years ago

Reply from Flagship Merchant Services

We sincerely apologize for your experience as this is not our standard. While we understand that you took your business elsewhere, if there is anything else we can do to assist, please contact us at or (800) 324-9825 x 1 .

May. 16th, 2018

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Trudy Dabbs Ashland City, TN

I just went and researched different websites and they seemed to have good reviews and great rates. Everything I read about them was very positive. I signed up with them on February 22, today is March 6 and I still have not received my credit card machine. They've also charged me $98 more than what was originally quoted for my clover mini station and even put in the wrong ID number for me. I've called customer service several times, I've tried to email them, but all I've gotten is people's names, phone numbers, and timestamps for those calls. No one has been able to help me or give me any answers. This morning I gave it one last try and got a representative by the name of Bob from the tech department. He has been the only one that was able to help me out so far. After my initial call he called me back later in the morning to let me know that a machine had been sent out. He's trying to figure out why I haven't received it already and has been reaching out to representatives to find out why my information was put in wrong from the very beginning. He is trying to fix the problems that I have. Before Bob though, this was the worst experience I've had with credit card companies. I was about to go to the better business bureau to file a complaint. They need to get better customer service and have someone at hand that is capable of handling problems when they arise instead of putting the customer off and saying that there's no one that can fix the issue.

8 years ago

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Verified Customer

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Hollie Smith Des Moines, IA

I had signed up because of an advertisement. Their equipment was fine. I didn't have equipment issues. The reason I'm no longer with Flagship is that my account was hacked. I called up their loss prevention department and informed them of what was going on. There was a really bizarre deal because people were depositing money into my account, so I reported it. Within a week they had deposited about $20,000 in my account. I reported it and said it wasn't mine, and that they needed to take it out. When I checked later, my account was drawn way down; the $20,000 was gone, and another $15,000 had been withdrawn as well, out of my checking account. When I called to ask why, they told me they took the extra $15,000 out in case anything else came through. When I asked when I could expect to get that money back, they said probably 3 to 6 months. Fortunately, by working with my bank, we were able to stop the extra $15,000 from coming out. I got a bunch of backlash from Flagship about stopping the $15,000. Now, they received every dime that got put into my account, plus the processing fees. When I talked to the Loss Prevention department, they told me that I should have put filters on this. That's something that we should have been notified about beforehand. It just wasn't a very good experience, and that's why I decided to go back with Wells Fargo and just keep everything in-house. There were other processing fees charged even when we hadn't processed anything at all, and we're looking at potentially going to court over it. I don't think they were very trustworthy at all. When I had issues where my account got hacked they dumped me like a hot potato, and I've got no support from them whatsoever. I don't know anybody who I dislike enough to recommend it to them. I just I had a very bad experience with them and I'm pretty much done.

8 years ago

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Larry Reed Lawton, OK

I thought it would be a cheap company to use, and I don't really have too much problem with the equipment, but they don't disclose all the fees and the things associated with signing up. I actually don't really like flagship that much, because they have too many fees. They advertise that there is not an annual fee, which is a lie. They've also got the PCI compliance thing that they don't tell you about, but that you really need to know about, because those things come directly out of your account. I think I'm going to go to another merchant service because of the things that I've dealt with while I've been a flagship customer. I wouldn't recommend anyone else to actually use them.

8 years ago

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Anonymous Fountain Inn, SC

I went with them after I received some input from from another business owner who had used flagship in the past. Now, I've been trying to close my account since December 4, and they've done nothing but throw roadblocks in my way, and it's been a nightmare. I've had to close a bank account, to physically deter them from taking money out of my account. They put in for a rebate for a certain amount of the fees; that was going on for two weeks and then they told me it wasn't decided. They're now sending collection letters; it's just a nightmare. One of the merchant account people signed me up, and within sixty days I was I was dealing with eight-fold costs over my original contractual agreement. It needs to be revamped from the inside out. It's like a used car salesman: once they get you they never let you go. and really it's one of those things where for customers like myself, who are going to leave and possibly relocate and then re-open a merchant account, there's no incentive to do so. It's been so painful that I would never approach Flagship again.

8 years ago

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Jana Fey Fort Wayne, IN

The salesman kept calling and calling and I finally decided to give it a try. He said it was $5.95 a month and that I could cancel at any time. I thought I would see if it would help my customers. Since I tried to cancel they've been very difficult. I don't even know if it's canceled yet. I thought I was canceled, and next thing I knew, I was charged another $300.00 bill from them. They need to let customers know that there is an annual fee, instead of just telling them it's $5.95 a month, which I was never billed. The first month I was billed $6.95, and every month after that it went up, and then I was suddenly billed $250.00.

8 years ago

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Chase Allen Phoenix, AZ

I got it since I needed to process credit cards and it was supposed to help me do that on mobile. The software and equipment are good, they're user friendly and work most of the time without any issues. Customer service doesn't really return phone calls though. They've also overcharged me every month and I can never get them to tell me why. I thought I would only be charged on a percentage of the sales, but I also get another fee on top of that. It ends up being between one and three hundred dollars a month. I'd like them to actually honor what they say they will do and charge. Otherwise it's a two hundred dollar loss every month in fees.

8 years ago

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Lynda Jones Las Vegas, NV

My business was expanding and I was using the little square reader at the time. It had higher rates and, since I also wanted something a little more professional, I thought I would jump on with Flagship. I had a horrible experience with them to be honest though. They put me through a horrible experience. It was all just a couple of people in the company, but their procedures were just not good. At first they had to do a lot of checking with my credit and everything before I signed up. After that, I had someone help me do the first transaction to see if it worked. They looked at how the process went and they just didn't like how Flagship did things. This person spoke with them and confirmed that the transaction was done, but they kept the money for 3 weeks without giving it back to me or to the person that did the first transaction. I even spoke with several people, including a banker, and they all confirmed that the transaction had happened, but I just didn't receive the money. I wanted to discontinue the service after all that and about a month later they sent ME a letter saying that they couldn't continue giving me service. I'm a small business, so it was all just unreasonable. I didn't even get a chance to actually use it in the end but it was all just horrible.

8 years ago

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Chelsea Sneed 33647

Terrible in every which way possible. The only time you hear from them is when they are trying to get your business and they tack on many fees. Never had a chance to actually use them because it was difficult to set up the wifi access for the device. I spent well over $2000 in various fees over 7 months. After trying to cancel and confirming it over the phone, I get a call I am in collections months later. No email, no late payment notification, nothing...right to collections. Stay as far away from this wretched company as you can!!

8 years ago

Reply from Flagship Merchant Services

Our sincerest apologies that this was your experience as we strive to exceed service expectations. Should you require any additional assistance please email or call us at (800) 324-9825 x 1.

Sep. 25th, 2018

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Anonymous Boones Mill, VA

Took 2 months for them to set up my merchant account and point of sales account. Then their reader only worked once and was full of errors. When you contact them, there is no communication between the 3 branches of their system. On top of that, they will not let you cancel. No matter how many times you jump through their hoops, you have to stop payment through your bank.

8 years ago

Reply from Flagship Merchant Services

We sincerely apologize as this is not our standard service level. Should you require any additional technical assistance please email or (800) 324-9825 x 2.

Aug. 20th, 2018

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Justin Largo, FL

I shouldn't have decided to sign up with them, because once you do, you try to reach out to them and they don't contact you back. They need to improve on not leaving the customer hanging once they've completed the sale. When you change your information, they hold your fund and that's not good for business. They don't even contact you to tell you why they're holding the fund.

8 years ago

Reply from Flagship Merchant Services

We apologize that we did not meet your service expectations. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Aug. 6th, 2018

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Julie Nemeth West Chester, PA

The lady Julie N is not professional. She made 3 times Rate mistakes on my application form. I corrected the rate each time. She confirmed $4.95 customer fee by E-mail, then increased it to $6.95 next day after I signed application form. She was chatting and laughing with some guy when answering my phone call even she couldn't hear my questions as she kept talking to the guy there.

8 years ago

Reply from Flagship Merchant Services

We apologize that we did not meet your service expectations. We do record all calls and we will thoroughly investigate this sales representative as that is not our standard. We work diligently to ensure that all of our fees and pricing is clear from the onset with all new customers and all fees and services are clearly outlined in the merchant agreement. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 15th, 2018

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Anonymous Idaho Springs, CO

They were terrible, they never returned any of my calls I didn't even get to use their system because I didn't know how to start it and nobody would call me back but they were sure to take the money out as quick as possible even though I hadn't even use the program so if I could have given them a zero I would have. Horrible horrible company and I'm pretty sure it's a scam

8 years ago

Reply from Flagship Merchant Services

We sincerely apologize that we did not meet your service expectations as we value each and every customer and strive to make this experience as seamless as possible. We also have in-house customer service and support teams that are closely managed so your comment regarding no return phone calls, etc. is concerning and will be addressed. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 15th, 2018

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Bean Cable, WI

I was unable to use their services with our system after verifying that we would (before signing up). When I did receive the cc swiper in the mail, nothing told me what app to download. I don't remember if perhaps customer service was closed or just slow to get back to me but I remember trying to search through apps and google a few times to try to find it.

8 years ago

Reply from Flagship Merchant Services

Our mPOS solution is designed to be super easy, so we're sorry that was not your experience. Should you require any additional assistance, please email or call us (800) 324-9825 x 2.

Jun. 4th, 2018

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Christy Mcgurgan Virginia Beach, VA

I went with Flagship because I thought that it was going to be less expensive than another product. However, customer service was not very supportive nor was it helpful and they didn't tell me all I needed to know to use the product. I needed to be more informed up front about the actual costs. The product can be difficult to use it if your phone has a cover on it. You have to take your phone case off every time you want to swipe the card and that is unrealistic.

8 years ago

Reply from Flagship Merchant Services

Christy, we apologize that we did not meet your service expectations. We work diligently to ensure that all of our fees and pricing is clear from the onset with all new customers and we work to align each customer with a working, simplified payment acceptance solution. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 4th, 2018

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Jason Mickel San Antonio, TX

They gave me the wrong password and I was unable to download the app and get into it. They also charged me every single month for 8 months and still trying to find them because I'm unable to download it, It's junk. They use the company name to take money out of my account. I stopped payment on on them and they use a sister company to take money out of my account, I think that should be totally against the law.

8 years ago

Reply from Flagship Merchant Services

Jun. 4th, 2018

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Verified Customer

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Mike

Absolutly horrible experience, try ANYONE else. Do not do business with them. They approved about $30K in charges one day for a car purchase and would never release the money to my account, they say over my daily limit which I am sure was buried somewhere in their fine print. after over a week I had to call and tell my customer we would have to come up with a diffrent payment method. Do yourself a favor, STAY AWAY!!!

8 years ago

Reply from Flagship Merchant Services

Mike, we sincerely apologize that your experience was not a positive one. We work diligently to provide excellent and quick service for our customers, but we must do so within the guidelines of our sponsor bank and the regulations of our industry, which led to the delay in you receiving your funds.

May. 29th, 2018

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Verified Customer

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Brandell L Smithville, MO

When I called Flagship and asked for a personal card reader, I disclosed that this was a small business hobby. I did not know how often I would use the reader. I was quoted a monthly fee of $5. I could cancel easily and restart any time I wanted. None of this was true. In the end I paid over $600 in fees. To the credit if Flagship they credited me less than half of these fees after I went to the Better Business Bureau.

8 years ago

Reply from Flagship Merchant Services

We sincerely apologize that you had a poor experience. It's always our objective to be transparent with all of the fees , which are also all disclosed on the merchant agreement. Should you require any additional assistance please email or call us at (800) 324-9825 x 1.

May. 16th, 2018

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Verified Customer

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Anonymous

Weren't familiar with my industry (legal), not set up to meet my needs. When the company called me no less than 8 times, each time speaking with a different person, I had re-explain my situation because the person I was talking with at that time had no idea what my issue was about. Very frustrating. When I tried to cancel my sevices because they could not honor the promises made, I was given the run around.

8 years ago

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Verified Customer

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SL Port Angeles, WA

Actually processing fees are much higher than advertised, many hidden fees they did not disclose. Plus it's not one stop shopping in that you have to use two other websites to manage payments and data. Definitely not one stop shopping. Bottom line is 2.9% advertised by others is far cheaper than the 4%+ I ended up actually being charged by Flagship and it's partners.

8 years ago

Reply from Flagship Merchant Services

We're sorry that you're disappointed with your service. Please feel free to contact customer support or your sales representative for a more detailed explanation of your monthly statement.

Mar. 27th, 2018

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Verified Customer

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Craig Bruno Edinburgh, IN

I read somewhere online that they were the best merchant service to go with, so I signed up. I had huge problem with the very first transaction that I ran through their machine. I called Allen, my representative, multiple times and he didn't lift a finger to help me out and couldn't care less about it. There's nothing I like about Flagship, I wouldn't recommend going with them.

8 years ago

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Verified Customer

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John Sanford Anacortes, WA

I had just started with a business and wanted to have a merchant service to help me with that. I did a Google search and they had an okay review and seemed reputable, so I signed up. It has been a horrible experience though. They've done a horrible job for me. Their risk department has blocked all of my transactions for the past 30 days and they're not telling me why. I'm very dissatisfied and, as a matter of fact, I'm closing my account with them.

8 years ago

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Verified Customer

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Cynthia Salem, OR

They told me that I could take FSA and HSA cards once I was up and running. That didn't pan out and they strung me along, not calling me back so I couldn't get my account closed. I finally put a stop pay at my bank for their automatic debit then retuned their equipment. Such a hassle! Once they sell you on their product, they do not help you after you become a customer.

8 years ago

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Verified Customer

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Jan Marie Larson Fairfield, IA

I used this service for an overseas quilt show last year. I got ZERO assistance with using the service, ZERO help when i had problems and I still have an email string that would shock anyone who is in the retail business. I did not receive half of my $$ from the show until 6 months later. they did not take my repeated calls and I got paid only after I contacted my Senator and filed a complaint with the Federal Trade Commission.

8 years ago

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Verified Customer

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Randall Tomaras Sequim, WA

I wanted a card reader and the ability to process cards. I lost the card reader at a show when somebody stole the out of the booth. I called a couple times and tried to get it replaced, and had no response. The card reader was very periodic; it didn't work very well, possibly because of the service at the location that I was at it. I probably want to cancel since I don't have a card reader.

8 years ago

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Derek Valdez Los Angeles, CA

Their communication with merchants needs to improve. I started building up a business, but they weren't able to help me out, really, because they never told me about their hidden fees and their interest rates. They pretty much never communicated with me. I would recommend doing more research before using companies like this, because you want to make sure you'll be getting the best deal, and not getting hit with hidden fees and everything like that.

8 years ago

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Verified Customer

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Pamela Davis Woodstock, GA

They need to be up front with their fees and to have nicer customer service. When I Googled them, it said they had the best rates. I can never get in touch with whoever was supposed to be my contact person, though. When I tried to cancel it, it was a pain. They did not tell me all about their hidden fees, and when they started to draft it from my bank account and I tried to talk to them, they were rude about it. Also, the reader is actually a pain to use, and it doesn't always work.

8 years ago

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Verified Customer

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Kevin Moore Maple Heights, OH

They charged me to process a transaction but wouldn't release the funds. Then they suggested, since I didn't want to submit all of my banking information, that I give the customer a refund. But they still kept the processing fee of about $400 dollars. For WHAT? I later submitted all of the requested information, and they refused to run the card again. They took my money!

8 years ago

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Verified Customer

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Anonymous Delhi, LA

I selected this one because it was the one that seemed to work with my budget, though now I don't think it's going to work out for me. The equipment just doesn't work. They need to change their equipment and make sure that the merchant accounts are set up correctly. I've lost money and sales because I have to be on the phone trying to figure out why something is not working. There should not be any equipment that needs to be plugged to the wall to keep it charged, it should all work on the phone thing.

8 years ago

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Matt Fairbank Yakima, WA

Initially I thought it would be a good deal for my business. I needed to be able to process credit and debit cards. Within one day of sharing information and talking through emails with them, I realized that the baseline services were too high for my business so I had to cancel right away. I signed up because I had felt pressure to make a choice while I was on the phone with them. It threw me for a loop when I realized just how much the fees were going to be. They should provide accurate information about those fees before signing people up through the phone.

8 years ago

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Verified Customer

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David Rittinger Columbus, OH

Originally, I had gone with them since their rates were low. It hasn't really worked out for my website though, so I'm actually trying to cancel my account right now. No one has gotten back to me about that so far. I've called numerous times asking to speak with someone about it, or at least to have someone call me back and help me cancel my account. I was told I should receive an email response with a form to go with the cancellation but I never received it. They're really lacking in their customer support. They shouldn't ignore their customers.

8 years ago

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Verified Customer

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Donald Aussmus Greenville, SC

They were convenient to reach and responsive, so I went ahead and got it. I haven't received the keypad terminal that I ordered though...I ordered in August and it's still not here. I've also been charged since then and I've tried to talk to customer service 4 separate times. They always say it's going to be fixed immediately, but I'm still waiting on them. All those things should be worked on and fixed immediately.

8 years ago

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Verified Customer

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Terri Malott / ER Cell Techs Inc Palm Beach Gardens, FL

Cause your risk department is very rude and holding my customers money even though I no longer process with you. But yet you keep their money and when I do a refund you try to take it from my account when you people are the ones holding it!!

8 years ago

Reply from Flagship Merchant Services

Terri, our sincerest apologies. We are sometimes required by our bank sponsor to hold funds for additional research, but there's no excuse for long hold times or unprofessional service.

Aug. 13th, 2018

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Plus Gomes Houston, TX

Big cheaters. The sales team hides facts n then sends the documents to sign n pushes you with a promo offer to sign it in a hurry. Even though I asked everything minutely they hid a lot of stuff from me with words n meanings of legal twisted to sell Beware of Andrew K. He was the sales person who misguided me.

8 years ago

Reply from Flagship Merchant Services

Jun. 15th, 2018

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Andy El Paso, TX

It started well when I first joined them but then their rates kept going up to the point that I'm paying over 10% of each sale in processing fees with all the miscellaneous add on costs. Merchant beware. I am canceling and closing my account

8 years ago

Reply from Flagship Merchant Services

Andy, the fees should not have escalated to 10%. Please give us the chance to keep your business by calling our service team at or (800) 324-9825 x 1.

Jun. 15th, 2018

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Verified Customer

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Beverly Albuquerque, NM

After signing up, no f/u on how to access services, or even access or online bull (received it, but couldn't open it). Was assured by person signing us up (Erika D) that she would be our contact person for this. But after signing, were told that is not the case.

8 years ago

Reply from Flagship Merchant Services

Beverly, we sincerely apologize for not meeting your service expectations. Our sales team does work to be transparent with the process, as they are focused on sales and supported by a leading customer service and technical support team who are truly the experts in helping customers get set-up and processing quickly and easily. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 15th, 2018

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Joe MacDonald Leesburg, FL

In my opinion, they acted fraudulently. I did not understand the st up. When asked to cancel, they agreed. Then months later as I was charged monthly on my credit card, they claimed that they sent me an email that I had to reply to in order to be cancelled. I never received any email and had no idea that I was still being charged.

8 years ago

Reply from Flagship Merchant Services

Joe, we apologize that we did not meet your service expectations. Should you require any additional assistance, please contact customer support at or (800) 324-9825 x 1.

Jun. 4th, 2018

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Tammy Ristick Portland, OR

It was a big mistake I should have never done it. I like nothing about flagship they were ripping me off taking money out of my bank account without me knowing and it was just awful never getting my money on time always having an excuse to try to keep my money it was the worst thing I've ever done. I didn't have software.

8 years ago

Reply from Flagship Merchant Services

Jun. 4th, 2018

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Verified Customer

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Eric

We've had problems where we've charge the credit card and it said it didn't go through so we ran it again and it double charged them. We've also had times where it said it went through and it didn't and we ended up losing the money. Their support is terrible their connection is bad nothing ever seems to work it usually takes multiple times

8 years ago

Reply from Flagship Merchant Services

Eric, we're so sorry to hear this. We have in-house support for both customer service and technical assistance and we pride ourselves on delivering a seamless experience. Should you require any additional assistance or continue to experience any issues, please contact customer support at or (800) 324-9825 x 1.

May. 29th, 2018

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Torok Investment Trust Van Nuys, CA

Flaggship (customer rep) lied to me in deliberately not telling me that there was a monthly fee and that my account could be cancelled if I used my own credit credit card. Flaggship has never acknowledged that I cancelled my account and keeps sending me demands to pay what I do not owe

8 years ago

Reply from Flagship Merchant Services

All of our account representatives are trained and held accountable to providing clear and transparent pricing. Additionally all charges and fees are clearly outlined in the merchant agreement. Should you have any outstanding issues or wish to close your account, please contact customer support at or (800) 324-9825 x 1 .

May. 16th, 2018

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Verified Customer

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Jonathan Smith

Sales rep forged my application, knowingly lied to get me approved and didn't tell me that I didn't qualify so he faked the answers. This led me to having a significant portion of my sales frozen for over 6 months and almost cost me my business. Flagship MS is the worst company I have ever dealt with.

8 years ago

Reply from Flagship Merchant Services

We actively track and monitor (call recordings and workflow activities) all of the sales representatives and their actions to ensure that instances like this never happen. All of our account representatives are trained and held accountable to providing clear and transparent pricing. Additionally all charges and fees are clearly outlined in the merchant agreement. Should you have any outstanding issues or wish to close your account, please contact customer support at or (800) 324-9825 x 1 .

May. 16th, 2018

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Verified Customer

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Georgeanna Piazza

They do not listen to their customers when they're on the phone. There were huge miscommunications and things were not rectified to my satisfaction. I closed my account immediately after finding out that they had opened it without my permission

8 years ago

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Verified Customer

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Peggy Dinkel Alexandria, VA

Everything started out pretty good until we discovered that the account wasn't really usable in my situation, at which point it became very difficult to get customer service. I'm still trying to resolve my problem with them, I'm still trying to get them to take back the equipment that they sent me.

8 years ago

Reply from Flagship Merchant Services

Peggy, we're so sorry that you've not had a positive experience. I would ask that you please reach out to our customer support team at or (800) 324-9825 x 1 to resolve any outstanding concerns.

May. 16th, 2018

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Verified Customer

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Bobbi Carter

The reporting system is very outdated, and the equipment is just average. It's painstaking calling and dealing with them. They really need to work on customer service and their billing tactics. Once you get enrolled it's completely different from what they told you at the start.

8 years ago

Reply from Flagship Merchant Services

Bobbi, we're so sorry that we did not meet your service expectations. Our state of the art, proprietary customer engagement portal, iAccess, has very user friendly reporting and dashboard management analytics, so we're surprised with your response. With that said, we will take this feedback to our teams and work towards improvement.

May. 16th, 2018

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Victoria Ashley Woodbridge, VA

It was very difficult for it to become compatible with your mobile device. The equipment I received did not work with my phone or my merchant ID and it was very difficult for them to understand my issue and they did not resolve it. Also, there were way too many hidden fees.

8 years ago

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Verified Customer

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KF Mulino, OR

Their customer service is terrible, they need to explain to the customer better what they're signing. They talk a hundred miles a minute. The software didn't work for me. Even when I called them because it would not work, they couldn't figure out why it didn't work and that was the end of it.

8 years ago

Reply from Flagship Merchant Services

Our sincerest apologies that our service did not meet your expectations. Should you require any additional assistance please email or call us at (800) 324-9825 x 1 ]. We hope that the issues are all resolved.

May. 16th, 2018