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Flagship Merchant Services Review 2023

Sarah Badani

In a Nutshell

Flagship is a top provider in merchant services including credit card processing, mobile payment processing, and secure payment gateways. Backed by the prominent BBVA Compass Bank, Flagship has serviced more than 100,000 customers since its inception, and with no setup fees, low monthly rates, no contracts, and flexible terms, it’s not surprising.


  • No setup fees
  • No cancellation fees
  • Month-to-month payments


  • No pricing information online (only custom quotes)
  • No live chat

Flagship Flagship Visit Site


Partnered with iPayment, a leader in payment processing and business management software, Flagship offers an invaluable service for businesses to accept credit cards and process payments on their own. Providing this opportunity without strings attached and at low costs opens the door for small and medium-sized businesses to finally get a leg up on the competition.

Ideal For

  • Small and medium sized businesses
  • Self-owned businesses that want to expand their offerings by accepting credit cards
  • Businesses that don’t have a set location

What’s on Offer

  • Online transaction reporting
  • Flat rate for most major credit cards
  • Free merchant account and shopping cart setup
  • Real-time processing directly on your website
  • Mobile payment processing
  • QuickBooks integration
Flagship Merchant Services Review

Application Process

The Flagship application process is quick and painless. In fact, it’ll only take you about 10 seconds to fill out the form and send it off. Here’s how to do it:

  • Go to the application form

  • Fill out your basic information like business name, telephone number, website, type of account, and average per sale amount

  • Send it off and wait for a representative to get in touch with you about customizing your rates and packages

What’s nice about this application is that you are not required to produce tremendous amounts of information about your sales, income, or payments. A general idea of your average payment amount will do, and there’s no need to upload files or scan documents. Also, application is free and Flagship has one of the highest approval rates in the merchant services industry. So, even businesses with bad or no credit can apply for the credit card processing service and be approved.

What’s Unique About Flagship?

Flagship is one of the most competitively-priced credit card processing providers around. What’s more, the no fees policy really makes this company stand out. Here’s what you get when you sign up with Flagship:

A merchant account with Flagship Merchant Services and iPayment processing

This is what will enable you to accept credit cards. This comes complete with a free credit card terminal. That’s a nice bonus considering most companies lease this equipment to you for a fee.

A payment gateway script (virtual terminal) from

This script will be integrated into your website and will enable your customers to make purchases right on your site with credit card payments (instead of you having to do it manually). 

A virtual terminal from 

This will allow you to run transactions directly through your computer (manual processing) for customers who can’t do it on their own for some reason.

A mobile payment processor

The mobile processor is available for both iOS and Android devices, complete with EMV-compliant card reader. MobilePay, the mobile payment app, has a whole slew of features, including inventory management, transaction history, analytics, reports, and more.

iPad POS system for accepting payments via an iPad

This is great for businesses on the go as you can run it through your phone or web browser and accept payments wherever you are. This isn’t as feature-rich as a dedicated POS, but it is certainly a nice addition to the whole Flagship bundle.

The payment gateway acts as a shopping cart, so this is an especially convenient service for smaller companies that don’t have their own dedicated shopping cart application. Additionally, partnering with gives Flagship several advantages over the competition. For one thing, you are assured secure and reliable credit card payment processing from a major name in the industry. For another thing, offers a variety of third party apps and a flexible API to work with to make integration smooth and fast.

Funds are generally transferred to your bank account within 2 business days.

Customer Support

Flagship customer support is available 24/7, so you always have someone to reach out to if any trouble arises. Flagship’s customer support really shines thanks to the fact that you get a representative to walk you through every step of the process from beginning to end. They’ll teach you how to use the credit card terminal, how to initiate, authorize, and complete the transaction so you receive your funds, which software and equipment is best for your business, and what to do if there’s an issue.

Accelerated Funding

Some processors make you wait days to get your money in your bank account? With Flagship’s Accelerated Funding Program, you can get your money within hours, every day, even on weekends and holidays.


Since every business has its own individualized needs, Flagship tailors its rates and services to suit those needs. After a short phone conversation with a representative, you’ll receive a customized rate fit to your particular company set up. As such, there are no generic rates to give in this review. However, rates start as low as 0.38% + $0.19 per transaction. Some charges include:

Basic Pricing


Credit Card Fees - Retail

Variable – Sold at Cost

Online Account Fees – No Card Present


One of the biggest advantages of using Flagship is that you’ll be charged absolutely no fees. Many companies overload you with hefty charges, such as setup fees, application fees, early termination fees, gateway setup fees, and more, making it difficult for small and medium-sized businesses to cover the initial costs of such services. With such daunting charges, many businesses simply forgo this important aspect of business today. That’s why it’s so refreshing to deal with a company that understands its customers’ struggles and responds in kind. Charging no setup and application fees shows just such understanding and compassion.

That includes gateway setup, website setup, and merchant account setup. Additionally, you won’t be charged any cancellation fees, and since there are no long term contracts, you can decide from one month to the next whether or not you want to continue using Flagship. The lack of this last fee is really unique in the industry. You won’t even have to pay the $49 gateway setup fee that other customers are charged. You’ll also receive a free mobile swiper and app for mobile payment processing. Flagship holds an Identity Theft Protected Security Metrics and Preferred Reseller security standing, ensuring that all of your transactions are safe and secure.

Bottom Line

Flagship offers affordable credit card processing services for small and medium-sized businesses. With none of the usual fees and low monthly rates, it creates the ideal situation for smaller businesses to offer this all-important service to their customers. A friendly customer service staff and easy cancellation policy just make working with Flagship that much better.

If you are a smaller business looking to expand your offering by providing credit card payment processing to your customers, Flagship is a good, cost-effective, and easy to use option. It will allow you to accept mobile, website, and in-store merchant credit card payments with ease.

About Flagship

Flagship is a merchant service provider founded in 2001. Over the years it has provided the most advanced merchant account solutions for making business transactions faster, easier, and cost-effective through a variety of services and products. Servicing small and medium-sized businesses, Flagship gives these smaller tier companies a chance to expand their business offerings by accepting credit cards. Providing a secure and fast payment gateway has enabled more than 100,000 Flagship customers to usher in a new era of commerce in which credit card payments are essential for business success. Flagship provides the hardware, software, and assistance to let its customers achieve that success. With dedication to quality and a commitment to its customers, Flagship has earned a reliable name in the merchant services industry. Some of this company’s major clients include Avon, Verizon, and Subway.

Physical Address

100 City Square, 4th Floor
Charlestown, MA 02129-3730

Flagship Flagship Visit Site

Sarah Badani writes for and has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way.

Flagship customer reviews

Based on 58 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top Reviews

Ease of use

Brand satisfaction

Value for money

Service quality

2 years ago

Solid service and very easy to use. Would highly recommend to anyone also good price

2 years ago

Works well and runs smoothly on both my end and customer end of each transacting

2 years ago

Great service, friendly, easy to use and navigate, appealing to the public, satisfactory

2 years ago

I like flagship because I can provide several payment options like in store, mobile, and online.

2 years ago

It's a great system to work with and all if my employees are favor of system to get their payment for working

3 years ago

Flagship is easy-to-use, user-friendly and offers professional options and very good services.

3 years ago

Everything was easy to use and customer service was very friendly and attentive. Great for our business, and payments made easy.

3 years ago

It's a very simple system to use and obtain. I find it very manageable to deal with on a day to day.

3 years ago

Its a good and reliable merchant service platform. Its easy to use and navigate the system. Definitely would recommend it.

3 years ago

They're an awesome company and well worth the money. I would recommend them to anyone. I've been a happy costumer using Flagship for several years.

3 years ago

So far their services have been great. Customer service was very good as well. Their percentage rates are very good also.

3 years ago

great product that does everything I need but it is very expensive. Your business will end up relying on Flagship, though.

3 years ago

Because they are overall a great company and they really try hard to give your business what you need to handle payments.

3 years ago

Quality and reliable service. Innovation in technology standard and low rates. Can really count on them.

3 years ago

It has been reputable and very reliable for my needs. I haven't had any problems and their customer service has been Wonderful.

2 years ago

I liked the features that it offers. I thought the customer service was adequate, regarding answering my questions.

2 years ago

It works well for us and it does the job it is needed to do and it gives results we need

2 years ago

The customer service was not as good however the overall experience was great.

2 years ago

They are an honest brand that has good products that are always really high quality.

2 years ago

I think it is pretty simple to use but a little pricey. I have not had many issues at all when using it.

58 reviews
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