| Pros: | Cons: |
|---|---|
| High-Risk Merchants | Hidden fees possible |
| BBB accreditation | Legal issues reported |
| Innovative technology | Equipment leasing issues |
| Unsatisfactory customer service | |
| Contract issues reported |
Overview
In this review of MiCamp Solutions, we’ll look at key aspects of this merchant account provider, including its shift from MiCamp Merchant Services to operating under Data One Merchant Services. We’ll cover its growth, acquisitions, and partnership with REPAY, with a focus on their pricing strategies, especially the WAVit system, and how it affects different transactions.
We’ll also explore customer feedback, contract terms, and industry ratings to provide a full picture of their services. In addition, we’ll review MiCamp’s role as an ISO/MSP, their approach to high-risk merchants, and the pros and cons of their offerings.
You’ll gain insights into legal challenges, the effectiveness of their customer support, and a comparison of their fees and rates with industry standards. This review aims to give a clear, straightforward understanding of MiCamp Solutions in the payment processing world.
About MiCamp Solutions
Formerly known as MiCamp Merchant Services, MiCamp Solutions is a merchant account provider based in Phoenix, Arizona. Founded in 2007, the company is an ISO of First Data (now Fiserv). MiCamp claims to serve over 15,000 standard-risk to high-risk merchants and to process over $2 billion annually. It appears MiCamp Solutions also operates under the name Data One Merchant Services. Data One Merchant Services lists its headquarters in Palm Beach Gardens, Florida, and has few public complaints at this time.
In 2021, MiCamp acquired American Bank Payments, and in 2022 they added Express Payment Solutions. REPAY became the clearing and settlement processor for MiCamp in 2023.
MiCamp Solutions Products and Services
Payment Processing
MiCamp Solutions processes credit and debit card payments for various business types, including both standard and high-risk businesses. They provide terminals, virtual payment portals, and their proprietary payment system, WAVit. WAVit advertises a single price for credit card purchases and a lower price for debit and cash transactions. It claims to charge clients a flat credit card processing fee without additional percentages. However, business owners should carefully review their contracts when using WAVit, as the pricing is based on the average monthly transaction volume and can vary. In addition to conventional pricing, MiCamp offers fixed-rate pricing through its WAVit program. The company also hosts its proprietary POS software on Clover and Poynt systems.
WAVit Processing
WAVit is a payment processing solution provided by MiCamp, though specific details about this service are not elaborated upon in the provided content. It is mentioned as one of their key offerings.
ISV Developer Options
MiCamp Solutions offers options for Independent Software Vendors (ISVs), providing developer-focused solutions likely designed to integrate payment processing capabilities into various software applications.
Have you processed with MiCamp Solutions? What did you think of their hardware and services? Tell us in our comment section below.
MiCamp Solutions Customer Reviews
| Total Online Complaints | 20+ |
|---|---|
| Live Customer Support | Yes |
| Most Common Complaint | Hidden Fees |
| Recent Lawsuits | Yes |
Assessment of MiCamp Solutions Feedback
An examination of consumer protection sites has uncovered roughly 20 negative MiCamp Solutions reviews. The chief complaints against MiCamp Solutions include challenges in terminating services, undisclosed or misrepresented rates, and unsatisfactory customer service. Conversely, MiCamp Solutions has also amassed a significant number of positive reviews regarding its customer service, suggesting that many clients are pleased with the support provided. We welcome you to share your personal experiences with MiCamp Solutions in the comments section below.
Customer Support Offered by MiCamp Solutions
Reflecting the mix of positive and negative reviews, MiCamp Solutions has been assigned a “B” rating in the customer support category. The company facilitates customer assistance through a direct phone line available on its website.
MiCamp Solutions Customer Satisfaction Ratings
| BBB Rating | 3.07 |
|---|---|
| Google Maps | 4.1 |
| Average Rating | 3.58 |
MiCamp Solutions BBB Rating
MiCamp Solutions currently maintains an “A+” rating with the Better Business Bureau and has been accredited since 2010. The company is showing 10 complaints filed in the past 36 months. MiCamp Solutions has a 3.07 out of 5 star rating based on 15 user reviews on the Better Business Bureau website.
What Merchants Say
MiCamp also has a total of 13 informal reviews filed with the BBB, with 10 of them positive and 2 of them negative. The most recent negative review describes held funds and poor customer service:
DO NOT sign onto Micamp Solutions unless you want to hear ********. There are many competitors who treat their customers with respect and collaborative results. This company is ONLY interested in one thing- holding monies owed. They are OBSESSED with worry about chargebacks for starters, even when the customer has no history of such!Customer ********************** is the frontline to act as though they care- but don’t be fooled. You will be given promises that are scheduled but not witheld. The lack of trust they show mirrors the lack of trust you’ll have for them.The *************** “whatever” **** tells you one thing but does another, then claims that he never said what he did; that he denies ever having said what was originally told and does not work collaboratively to arrive at a fair, honest and amicable solution.Don’t be fooled. There is NO “Solution” to MiCamp. Stay Away!
Clients who find themselves in this situation may obtain some relief by taking steps to cancel their accounts without paying a fee.
An “A” Performance
In light of the company’s low complaint total and resolution ratio, we agree with the BBB’s rating of an “A.”
Google Maps Rating for MiCamp Solutions
MiCamp Solutions has a 4.1 out of 5 star rating based on 265 user reviews on Google Maps.
Positive Feedback
MiCamp Solutions has been a game-changer for our business! Their payment processing is seamless, fast, and reliable. The customer support team is always responsive and helpful
Negative Feedback
Be careful. I have never done business with this organization and they attempted to run my credit card fraudulently. It was stopped by my bank. If they do this for someone who is NOT a customer what would they do to you as a customer?
MiCamp Solutions Fees, Rates & Contract
| Cancellation Penalties | Yes |
|---|---|
| Monthly & Annual Fees | Yes |
| Processing Rates | Interchange-Plus |
| Equipment Leasing | Yes |
Multi-Year Agreement
The standard MiCamp Solutions Contract constitutes a multiyear commitment facilitated by First Data (Fiserv), featuring an annual PCI compliance fee of $99, a monthly minimum fee of $20, and a monthly statement fee of $10. Reports from clients have raised concerns about an early termination fee, varying from $250 to $400. However, according to a company representative, MiCamp enforces this fee primarily when covering a business’ termination costs with a previous provider or providing complimentary equipment upon signup. The same representative noted that over 85% of MiCamp’s clients opt for interchange-plus pricing.
The merchant agreement also outlines equipment leasing through First Data Global Leasing. Lease terms sometimes result in payments exceeding equipment value, causing merchants to pay $1,000 or more for terminals available for $500 or less.
WAVIt Fixed Rate Structure
Alternatively, clients can choose to enroll in WAVit. This pricing model allows businesses to charge a fixed rate for in-store, online, and card-not-present transactions. The fixed MiCamp Solutions rate is determined by an analysis of the company’s monthly sales volumes and other factors. This plan includes a five-year fixed rate guarantee, ensuring consistent monthly rates. MiCamp Solutions’ website indicates that this pricing model is accessible to clients processing anywhere from $5,000 to $5 million monthly.
Virtual Terminal and Payment Gateway
In addition to storefront payment processing services, MiCamp Processing also advertises its virtual terminal and payment gateway services. However, pricing details are not disclosed for these services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates, typically apply to these e-commerce services.
Comparison to Industry Standards
Overall, there is a low-to-moderate volume of complaints about MiCamp Solutions’ rates and contract terms, particularly regarding unexpected fees. This suggests a moderate performance level, especially when compared to the most cost-effective merchant accounts in the industry. We also encourage business owners to explore our comprehensive list of the top-rated merchant account providers.
How much MiCamp Solutions charge your business? Share your rates and fees in our comment section below.
MiCamp Solutions Lawsuits & Legal Actions
| Civil Lawsuits | 1 |
|---|
In late 2020, MiCamp Solutions was implicated in a lawsuit, the details of which remain undisclosed to the public. The case is reportedly still active. Those seeking to address grievances without resorting to legal action are encouraged to report their issues to appropriate regulatory bodies.
If you have information regarding legal actions involving MiCamp Solutions, please tell us in the comment section below.
MiCamp Solutions Employee Reviews & Sales Practices
| Uses Independent Resellers | Yes |
|---|---|
| Telemarketing | Yes |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
Inside/Outside Sales Team
MiCamp Solutions appears to utilize telemarketing, inside sales reps, strategic partnerships, referral partnerships, and independent sales offices to market its services. A company representative has stated that MiCamp is currently working to grow its inside sales channels in order to have more control over sales tactics and pricing. Despite this, we have located a moderate number of negative MiCamp Solutions reviews that cite nondisclosure and misrepresentation of rates and fees by the company’s telephone and in-person sales reps. This does not compare favorably to our list of best credit card processors.
No Deceptive Quotes
The MiCamp complaint total has slightly lowered its rating to a “B” in this category. To its credit, however, the company does not appear to engage in deceptive rate quoting in its official materials. If you suspect that MiCamp has added a hidden markup to your monthly statement, you can double-check it with a third-party statement audit.
MiCamp Solutions Summary
MiCamp Solutions is currently rated as an average credit card processing provider. With a moderate volume of complaints relative to its size and duration of operation, the company stands out slightly in terms of having somewhat more competitive contract terms compared to typical industry standards. However, there is room for improvement, particularly in terms of service costs and the performance of its sales team, which has been a notable source of customer grievances.
For business owners considering MiCamp Solutions, it is recommended to thoroughly review and assess the company’s pricing structure and service offerings in comparison with those of top-rated merchant account providers. This comparison may help uncover better deals or identify services that more closely align with their specific business needs. Reducing service costs and actively addressing the issues leading to sales-related complaints could significantly enhance MiCamp’s standing within the credit card processing industry.
Contact MiCamp Solutions
| CEO | Michael Infante |
|---|---|
| President | Micah Kinsler |
| Headquarters | 4021 North 75th Street, Suite 101, Scottsdale, Arizona 85251 |
| Toll-Free Customer Support | (800) 583-0135 |
| Corporate Office | (800) 396-0246 |
| Newport Office | (480) 550-8440 |
| WAVit Support/Cash Discounts | (480) 304-5031 |
| ISV Solutions | (480) 630-8507 |
| Mergers and Acquisitions | (480) 409-1109 |
| Additional Support Channels | Online Contact Form |
| Website | micamp.com |
