Mom & Pop Merchant Solutions review

Mom & Pop Merchant Solutions Review: Complaints, Fees, Rates, Customer Feedback

Mom & Pop Merchant Solutions is a provider of merchant accounts that was once known as “Securus Cash & Capital.” They have their headquarters in Portland, Oregon. Excel Corporation, headquartered in Irving, Texas, is the parent organization of several other successful businesses, including Securus Payment, eVance Processing, as well as Calpian Commerce. Here is a complete Mom & Pop Merchant Solutions review for our readers.

Previously, this business operated as a division of Excel Corporation. According to the company’s president, Mom & Pop Merchant Solutions severed ties with Excel Corporation in early January 2016 to put more distance between itself and Securus Payments.

The company is now running as its independent group and does business as it usually would.  The principal service offered by Mom & Pop is cash advances, as well as the company is also a reseller of products and services provided by First Data (now known as Fiserv).

Mom & Pop Merchant Solutions Review

In the market of merchant cash advances, Mom and Pop Business Funding is one of the largest and most trusted brands and the company that is home to the number one retiring producer. Through a process known as a Merchant Cash Advance, Bret Martin’s service enables individuals to receive up to one million dollars in alternative capital for their businesses.

They are a source of finance through the nation’s largest IS Loan Broker Network rather than working directly with the owner of the company. In addition, you will receive training as a commercial loan broker agent so that you may refer owners of small businesses to a company with creditors willing to provide finance to owners of small businesses.

Here is where a local company has the opportunity to receive money in advance very quickly, typically the same day or over a day or so, and the condition that the lender requires is that they have the right to take a proportion of future bank card collections that the company earns.

MCAs are more often referred to as a very profitable and appealing method for companies to obtain cash quickly. They are free to utilize for virtually any purpose they see fit.

Complaints, Fees, Rates, Customer Feedback

Mom & Pop Merchant Solutions Review Based on Complaints and customer feedback

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We could not find more than five merchants with negative things to say about Mom & Pop Merchant Solutions, and the service that the company provides to advance funds to retailers does not appear to be a fraud or a swindle. Only one of the complaints mentions interest rates that are unreasonably high for merchant cash advances, and it does not disclose whether any merchants accepted the proposed terms.

We could not locate any active class-action lawsuits or complaints lodged with the FTC directed toward Mom and Pop Merchant Solutions. Merchants who are unhappy with the company and want to pursue a course of action against it that does not include litigation should give some thought to denouncing it to the provisions-related organizations.

On its website, Mom & Pop Merchant Solutions provides an email address and a phone number for customers to contact; however, it needs to be apparent what services can be obtained through either of these methods. The company can offer customer care or refer its merchants to the company’s preferred processor for difficulties with merchant accounts.

Because the company relies on individually contracted sales agents, the quality of customer service that many merchants receive could be highly inconsistent. Additionally, some sales agents have reported problems communicating with their managers.

Mom & Pop Merchant Solutions Review Based on Rates and fees

Same Day Funding

Mom & Pop Merchant Solutions specializes in merchant cash advances instead of merchant accounts. Merchant cash advanced is a type of small business loan that allows a company owner to get a lump sum payment in return for selling a part of their future debts.

Merchant cash advance conditions are established individually for each merchant based on their size, process history, and corporate type. They are frequently given to merchants who cannot obtain regular business loans. They are reimbursed to the cash credit provider as a percent of the merchant’s credit card purchases over several months or years.

Furthermore, the firm distributes First Data (Fiserv) payment processing. A typical First Data (Fiserv) merchants agreement is a multi-year contract with a $495 early termination fee, a $19.95 monthly PCI compliance fee, and tiered pricing. Merchants who handle up to $50,000 in monthly transactions will be charged a swiped charge of 2.69% plus $0.19 and a reasonable fee of 3.69% plus $0.19.

Merchants with monthly charges above $50,000 will be charged 2.29% plus $0.19 on swiped transactions and 3.29% plus $0.19 on keyed transactions. Non-cancellable, long-term equipment rentals through First Data Global Leasing are another aspect of these arrangements.

Mom & Pop Merchant Solutions Review Based on Advertising and Sales


Mom & Pop advertises its services through independent 1099 agents and telemarketing. It focuses on merchant cash advances rather than merchant accounts. It can set up new merchant accounts for eligible firms. It does not disclose its online payment partner.

However, First Data (Fiserv) or one of its subsidiaries will likely fill this job. Mom & Pop’s president remarked in the review’s comment area that it is infrequent for a retailer to request that Mom & Pop take over their processing of credit cards.

According to a company spokeswoman, Mom & Pop does not compel merchants to migrate to a particular processing system, which would contravene the typical structure of retailer cash advances. A merchant’s existing processor can typically give a merchant a payday loan and merely withhold a portion of the merchant’s daily deposits to recover its fee over time.

Mom & Pop, on the other hand, claims to “take a set daily dollar figure or percent of the company owner’s daily sales and take that money out of the revenues that arrive into the company owner’s bank account daily.”

It is unclear if there are associated fees with each of these transactions. Still, if there are, businesses must be informed that those fees may be avoided by establishing a merchant account with their existing processor.


In our Mom & Pop Merchant Solutions review, we found that it severed its ties with Excel Corporation, the company has established a solid reputation in the industry as a dependable source of merchant cash advances. Mom and Pop do not have any customer complaints posted online but do not have any predatory cash advance terms.

However, before signing up for the service, merchants should ask questions about all possible terms and compare the merchant cash advance chances offered by Mom and Pops with those supplied by top-rated payment providers.

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