Money Tree Merchant Services Review

Money Tree Merchant Services Review: Complaints, Fees, Rates, Customer Feedback

Small businesses can use Money Tree Merchant Services as an alternate provider of check-printing, virtual terminal, and other merchant services. Money Tree provides a diverse selection of business financing products, one of which is the Small Business Financial Services (SBFS) program, which features several different choices that have been developed especially to cater to the requirements of small firms. In this Money Tree Merchant Services review, we explore Money Tree’s Merchant Services product and its SBFS programs to determine if they are viable options for your business.

Money Tree’s suite of payment services includes virtual terminal and check-printing services that support payments via mobile apps or websites, RFID card readers for in-person POS transactions, and even a digital wallet for eCommerce sites like Amazon.

Money Tree Merchant Services Review Based on Advantages and Disadvantages

As with any business relationship, you want to be sure that the service provider you select is trustworthy. While the majority of businesses in this industry are reputable, there are, unfortunately, some that take advantage of their customers and provide low-quality service. To avoid these providers, it is important to research and understand the key factors that impact the quality of service you receive. 

In this evaluation of Money Tree Merchant Services, we will discuss various topics, including the company’s services, fees, and rates, as well as client feedback and concerns. By the time you conclude this article, you will have a clear notion of the kind of company Money Tree is and whether or not you should consider working with them to meet your requirements.

Advantages of using Money Tree

money tree benefits

Before committing to a new provider, it’s important to know why you should choose that particular business over all others available. For many businesses, it comes down to the value proposition. In other words, what does Money Tree Merchant Services offer that sets them apart from its competitors? Of the three main services that Money Tree offers:

● Check printing services

● Virtual Terminal

● Merchant services

We would say that their Virtual Terminal and Merchant services are the most competitive. They also offer various supplemental services, including payment processing, financing, gift cards, and marketing tools.

Disadvantages of using Money Tree

Despite the many benefits of using Money Tree, they have some drawbacks. The first thing to note is that Money Tree is not an ISO. This means that you will not be able to use your preferred debit card when accepting card payments. Instead, you’ll have to use the provided Money Tree debit card. 

Another potential drawback is the pricing structure. While Money Tree provides some very competitive rates, they do not offer the same kind of pricing transparency other providers offer. This means that you won’t know exactly what the final cost will be until you are accepted into the program and make a transaction. This can be a bit of a red flag for some people, but it is also one of the reasons why Money Tree offers some of the lowest rates in the market.

Complaints, Fees, Rates, Customer Feedback

Money Tree Merchant Services Review Based on Complaints and Customer feedback

As with any company, there are bound to be both positive and negative customer reviews. For Money Tree, there is a wide variety of both. From our research, we discovered that the majority of feedback for Money Tree is positive. However, we also discovered that there are a few complaints and negative reviews as well. 

The most frequent complaints are the length of time it takes to complete orders, the variability of payment timeframes, and the unsatisfactory level of help provided to customers. A couple of the reviews we read said that Money Tree overcharged its consumers without providing any sort of rationale or justification for the practice.

Money Tree Merchant Services Review Based on Rates and Fees

When it comes to fees, Money Tree is fairly straightforward and transparent. They offer three pricing tiers based on your business type, the volume of transactions you process per month, and the amount of funding you need. 

The company generally provides its lowest rates to businesses processing under $40,000 per month and does not need significant funding. Since their rates are transparent, you can plug your specific business details into their calculator and see your expected processing cost.

What to Look Out For When Choosing a Merchant Service Provider

There are many things to look out for when selecting a merchant service provider, including rates and fees, customer support, and the range and flexibility of the services they provide. There are also a few more general things to keep in mind when selecting a provider.


Make sure that the provider you select has a positive reputation and that you are comfortable doing business with them.


Make sure that you select a provider that offers a range of services and can meet your needs today and in the future. 


Choose a provider that you are comfortable working with and whom you can build a strong relationship with over the long term. 


Check to see that the service provider you choose is well-capitalized, has low operational costs, and has a history of being profitable before deciding to work with them.


Last but certainly not least, it is essential to choose a service provider whose prices are either competitive with those of the market or lower.


As you have seen, Money Tree is a merchant service provider with a wide range of products and services available. They offer everything from check printing, payment processing, financing, gift cards, marketing tools, and more. These services can help to make your business run more smoothly and provide you with the tools you need to succeed. 

It is essential to select the ideal merchant service provider for your needs. It is essential to go with a company that offers services of high quality at prices that are in line with other providers. Make sure you research the service provider before committing to a certain company to determine how well the services they offer meet your requirements.

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