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Greater Houston and South Texas

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Merchants' Choice Payment Solutions, Inc

Additional Locations

Phone: (800) 327-0093 Fax: (281) 465-2599 View Additional Phone Numbers 25231 Grogan's Mill Rd Suite 600, The Woodlands, TX 77380 View Additional Email Addresses

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Merchant Choice Payment Solutions Inc is an Agent of Woodforest National Bank providing merchants with an array of debit, credit and other payment solutions.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • BBB does not have sufficient information to issue a rating on this business.

Customer Complaints Summary Read complaint details

95 complaints closed with BBB in last 3 years | 37 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 19
Billing/Collection Issues 19
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 56
Total Closed Complaints 95

Additional Complaint Information

Since September 2013, the BBB Houston & South Texas have received several disputes that exhibit the following pattern. 

According to disputes received at the BBB, it has been alleged, that Merchant’s Choice Payment Solutions, Inc. is using deceptive sales practices to sell new credit card machines to companies.  Complainants are informed by Merchant’s Choice that their current credit card machine carrier and the current machine need to be replaced to meet  Payment Card Industry Data Security Standards.  Upon realizing that they are now dealing with a new company, attempts are made to contact Merchant's Choice which go unanswered and subsequently the complainant would be under contract with Merchant’s Choice Payment Solutions, Inc. for 2 – 4 year.  Consumers also allege the annual fee, monthly fee and PCI charges were waived by the sales person but when their first bill arrives, these fees are included.  When complainant tires to cancels prior to end of this long contract, a large cancellation fee is charged.    

Please understand that this company is not an accredited member or registered with the BBB. However, the BBB processes disputes for both accredited and non accredited businesses. Disputes are reported once they have closed and will remain on the company’s report for 36 months.  

Merchants’ Choice Payment Solutions Would Like You To Know


Upon investigation of the complaints identified by the BBB, Merchants’ Choice Payment Solutions (“MCPS”) has confirmed the following:  (1) neither it nor its independent sales agents ever indicated that MCPS was a Complainant’s current processor; (2) the Complainants executed documents clearly identifying MCPS as the payment processor with whom they were applying for merchant services, and in some instances, acknowledged that they were cancelling their processing services with their former processor and switching to MCPS;(3)MCPS and each sales agent identified MCPS repeatedly during the telephone conversations.

A.  “Merchants’ Choice Payment Solutions, Inc. is using deceptive sales practices to sell new credit card machines to companies.”

First and foremost, MCPS does not even sell credit card machines. Further, MCPS does not use deceptive sales practices to sell credit card machines.  MCPS provides payment card processing services and may provide processing equipment to the merchant at no cost or, in limited instances, through a third-party equipment lease, as part of those services. Merchants may always use their own equipment as long as it is compatible with MCPS payment card processing services. MCPS provides accurate information to prospective merchants and sales practices are not “deceptive”.

MCPS clearly identifies itself to prospective merchants in calls, recordings and documents.  All documents executed by merchants include the Woodforest National Bank name, and MCPS name or in certain instances the name of the independent sales office on each document.  Merchants executing Free Equipment Placement forms acknowledge that MCPS is providing the equipment at no cost and merchants that execute Notice of Cancellation of Previous Bankcard Processing Account forms acknowledge that they are fully aware of the fact that they are electing to change their existing processing company to Merchants’ Choice Payment Solutions.  Merchants also receive monthly account statements provided by Woodforest National Bank and customer service calls are answered in the name Merchants’ Choice or the name of the independent sales office offering MCPS product and services (if the merchant contacts the independent sales office directly).

B.  “Complainants are informed by Merchants’ Choice that their current credit card machine carrier and the current machine needs to be replaced to meet Payment Card Industry Data Security Standards.”

MCPS does not inform Complainants that their current credit card machine carrier needs to be replaced to meet Payment Card Industry Data Security Standards. MCPS’ independent sales agents inform merchants and prospective merchants about mandatory PCI PED updates that are required by the payment card industry data security standards (“PCIDSS”).  They may also inform them of the upcoming EMV chip technology that older credit card machines are not set up to accept.  If a merchant wants to replace their equipment with PCI PED approved or EMV ready equipment and wishes to sign up for MCPS payment card processing services, independent sales agents may provide new equipment with these features to them at no cost.

C.  “Upon realizing that they are now dealing with a new company, attempts are made to contact Merchants’ Choice which go unanswered and subsequently the Complainant would be under contract with Merchants’ Choice Payment Solutions, Inc. for 2-4 years.”

MCPS strives to respond promptly to all merchant inquiries and concerns in a timely manner; however, as with all large businesses, there are occasional isolated instances where this does not happen.  Such instances are promptly investigated and changes are implemented when necessary to ensure that similar incidents do not occur in the future.  MCPS has discovered that in a majority of the complaints MCPS or an independent sales office responded to the merchant within 24-48 hours of their call, but the representative was unable to speak to the Complainant because they were unavailable.

D.  "When Complainant tries to cancel prior to the end of this long contract, a large cancellation fee is charged.”

MCPS payment card processing agreements provide for a standard early termination fee in the event the merchant terminates the agreement before the expiration of the current term; however, in most cases, merchants have 45 day grace period in which to cancel their services without incurring the early termination fee.  Our early termination fee is normally $495,which is typical for the payment card processing industry.

Additional Information

BBB file opened: October 16, 2008 Business started: 08/01/1989 in TX Business incorporated: 08/01/1989 in TX
Type of Entity


Business Management
Todd Linden, COO Mr. Charles A Vernon, CEO Mr. Giovanni Diano, CFO Ms. Sophia D. Garcia, General Counsel Ms. Maricarmen Guzman Dollar, Associate Legal Counsel
Contact Information
Customer Contact: Ms. Sophia D. Garcia, General Counsel
Principal: Todd Linden, COO
Principal: Mr. Charles A Vernon, CEO
Business Category


Hours of Operation
M: 7:00 AM - 7:00 PM
T: 7:00 AM - 7:00 PM
W: 7:00 AM - 7:00 PM
Th: 7:00 AM - 7:00 PM
F: 7:00 AM - 7:00 PM
S: Closed
Su: Closed
Alternate Business Names
Delta Card Services MCPS MCPS -Agent of Woodforest National Bank

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