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Flagship Review
Flagship Review
October 01, 2019 / Nadav Shemer
Flagship Review
October 01, 2019 / Nadav Shemer
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Flagship Merchant Services is a veteran credit card processing company specializing in resale of processing and POS solutions to high-risk merchants as well as businesses with high sales volumes via ecommerce and mail order/telephone order. It offers a wide selection of terminals and POS systems from third-party suppliers. It also provides a range of merchant services, such as gift cards and digital loyalty programs.


  • High approval rates
  • Lowest-price guarantee
  • No long contract


  • Pricing isn’t very transparent
  • Unpredictable per-transaction fees
  • Lack of information about terminals

Flagship Merchant Services in Brief

Monthly fee: $8

Per swipe fee: 1%-5% + $0.15-$0.25

Setup fee: None

Cancellation fee: None

PCI compliance fee: $99/year

Best for: High-risk, ecommerce, mail order / phone order


Flagship Merchant Services claims to offer a strong selection of third-party terminals. The unfortunate thing is that it doesn’t advertise any of these devices on its website. Therefore, the only way to find out what type of terminals Flagship can offer your business is to speak with a sales agent.

As a specialist in ecommerce solutions, Flagship Merchant Services also offers the online payment gateway for a monthly fee.

POS solutions

Flagship is an authorized seller of the highly popular Clover point-of-sale software and devices. Clover’s POS software replaces your cash register, credit card swiper, payment terminal, receipts printer, and barcode scanner with an integrated suite of products. It enables your business to accept credit card, EMV, and NFC payments. Users can add accessories and apps to the Clover POS solution to form the complete business package.

Merchants get a choice of the following Clover POS devices:

  • Clover Station: An all-in-one POS system that replaces the traditional cash register and drawer.
  • Clover Mini: A tablet-sized touch screen with signature capture, front-facing camera, and integrated thermal printer.
  • Clover Flex: Countertop and handheld device with a battery that lasts a full day of business without needing to be recharged.
  • Clover Go: Smartphone-sized device that does virtually everything the other Clover devices do – with the added benefit that you can use it anywhere you have a Wi-Fi or cell connection.

Merchant services

As its name suggests, Flagship Merchant Services offers a range of merchant services. However, it really only offers basic merchant services without standing out from the crowd.

  • Merchant cash advance for up to $150,000 with next-day funding.
  • Integration with mobile wallets Google Pay, Apple Pay, and Samsung Pay.
  • Gift card programs that make it easy to promote your brand and impress customers.
  • Digital loyalty programs, allowing you to track customers’ buying trends so you can offer good deals at the right time.


Flagship Merchant Services doesn’t offer any pricing information on its website, stating that it offers rates and fees “tailored to the needs of each particular type of merchant”. Like most credit card processors, Flagship charges an interchange fee + percentage of total amount + flat fee. Given the variables involved, it’s fair to say the per-transaction fee can range from anywhere from 1-5% (plus the standard $0.15 - $0.25 flat fee). Most merchants probably pay closer to 5% on average.

One plus of Flagship Merchant Services is it appears to charge fewer fees than some of its competitors. While we can’t be certain there are no hidden fees, it does appear that there are no setup fees and no cancellation fees – both pluses in our book. The one fee you should be aware of is a PCI compliance fee of $99 per year – which is slightly lower than the average CCP provider.

Applying and contracts

The Flagship Merchant Services website doesn’t provide any information about contracts. From what we can ascertain, it doesn’t lock merchants into long-term contracts (at least not as a default). It appears that in most cases contracts are on a rolling month-by-month basis, meaning you can opt out at the end of the month.

About Flagship Merchant Services

Flagship Merchant Services has been serving American small businesses since 2001. It is a contracted reseller of First Data and Clover solutions. It is a registered ISO of BBVA USA, Birmingham, Alabama.

Customer Support

The reviews for Flagship Merchant Services are fairly average, with lots of praise mixed in with complaints about hidden fees and short response times. As with any credit card processor, it’s worth speaking to Flagship yourself and gauging whether they’re a good fit for your company.


Flagship Merchant Services offers a solid credit card processing service, doing some things better and some things worse than its competitors. Like other authorized resellers of processing and POS solutions, it specializes in high-risk accounts. In Flagship’s case, it appears to have particular expertise in handling high-risk merchants with high volumes of online, phone, and mail-order transactions.

Flagship’s unique Cash Discount program allows business owners to enjoy the same profit margins on cash payments and non-cash payments alike. This is achieved by including processing fees into the price of sales made by customers paying by credit card. Customers who opt to pay with cash receive a discounted price. This compliant Cash Discount program, preloaded onto Flagship’s software, essentially offers businesses a 0% payment processing option, allowing them to increase their overall revenue.

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By Nadav Shemer
Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. Nadav writes for He enjoys writing about the latest innovations in financial services and products.
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