We earn commissions from brands listed on this site, which influences how listings are presented.

Kurv Merchant Services Review 2026

Top10.com Staff

July 1, 2026

•

3 min

Rates

2.50% + $0.10

Contract length

Starts from 24 months

Free equipment

In a Nutshell

Kurv, the trading name used by Electronic Merchant Systems LLC, provides merchant services for U.S. businesses that need payment acceptance across in-person, online, mobile, and virtual terminal channels. Its promo page highlights a free virtual terminal with every account, a free mobile Tap-to-Pay app download, and a rate-comparison offer with stated exclusions. Merchants should review contract, pricing, underwriting, equipment, PCI, and surcharge terms before signing.

Kurv Pros & Cons

Pros

Published sample rates

Free virtual terminal

Free Tap-to-Pay app

Cons

Pricing varies by approval

Promotion has exclusions

Kurv at a Glance

8.4

Editorial Score

Low Rates

Interchange-plus, flat-rate, and volume-based pricing; no published starting in-person processing rate.

6.0

Low Fees

Transaction fees are based on interchange-plus, flat-rate, dual-pricing, or volume-based pricing; no standard per-transaction fee is published.

6.0

Payment Services

In-store and online payment processing, mobile payments, and full merchant services.

10.0

Additional Benefits

Multiple POS hardware options, invoicing, analytics dashboards, and business funding.

10.0

Customer Support

24/7/365 phone, live chat, and email support, and a knowledge base.

10.0

At a Glance

Kurv is positioned for businesses that want to accept payments in person, online, on mobile devices, through a virtual terminal, through QR codes, through invoices, and through recurring billing tools. The Merchant Portal page organizes features across Start, Build, Scale, and Perform tiers, with the Start plan covering the merchant dashboard, virtual terminal, mobile app, Apple Pay/Google Pay, POS Link, reporting, and dual pricing. Higher tiers add billing, analytics, QR code payments, surcharging, employee management, SMS payments, ACH payments, QuickBooks/Xero connection, multi-location management, and Level 3 processing.

How to Get Started

Kurv’s promo page is built around a short lead form that asks for monthly processing volume, name, business name, email, and phone number. The processing-volume options shown include Startup, $15,000–$25,000, $26,000–$50,000, $51,000–$100,000, $101,000–$500,000, and $500,000+. This makes the initial inquiry process straightforward for both new and existing merchants because the form captures enough information for a sales or rate-review conversation.

Kurv’s promo page includes consent language stating that by selecting submit, users agree to receive marketing messages from Kurv by phone, text, email, and mail, including auto-dialer messages; it also states that consent is not required to make a purchase and that users can unsubscribe by texting Stop or End or by clicking the email unsubscribe link. This disclosure should remain visible to users because merchant-services inquiries often involve follow-up by phone, email, and text.

Businesses that already process card payments can use Kurv’s rate-review pathway. Kurv’s pricing page says merchants can send their latest processing statement to get a next-day rate review, and its promo page says Kurv will compare current rates and provide $250 if it cannot lower the merchant’s costs. The promo page states that this offer applies to new customer credit-card processing rates only and excludes agent accounts, ACH, eCheck, funding, and any other product or service.

Special Features

Kurv’s main special feature is its Merchant Portal, which gives businesses a centralized platform for payment operations. The Merchant Portal page says businesses can manage inventory, staff permissions, fraud protections, and multi-location performance from one dashboard, while the plan table shows how the platform can scale from a free Start plan to paid Build, Scale, and Perform plans.

The Start plan is a meaningful feature for new or smaller merchants because it is listed at $0 per month plus $0 transaction fees for the portal tier, and it includes the merchant dashboard, virtual terminal, mobile app, Apple Pay/Google Pay, POS Link, reporting, and dual pricing. The free plan still requires a Kurv merchant account, and processing pricing is subject to underwriting, MCC, and the merchant agreement.

Customer Service

Kurv publishes several support routes. The promo page lists business hours of 7:30 AM–5:30 PM EST. The contact page states that customer service and self-service tools are available 24/7/365.

Is it Reliable?

Kurv appears to be a reliable option for U.S. businesses that want established merchant services, mobile payments, virtual terminal tools, and support for in-person and online transactions. Its site publishes support details, pricing information, hardware options, and payment-tool features, which give businesses useful information before applying. As with any merchant-services provider, businesses should review the written agreement, approval terms, equipment costs, and processing rates before signing.

How to Cancel or Pause a Subscription

Kurv’s Merchant Portal FAQ says merchants can cancel the Kurv Merchant Portal and mobile app subscription at any time, and that canceling the subscription does not close the Kurv merchant account. This distinction matters because software subscription cancellation and merchant-account closure are separate actions.

Is There an App?

Yes. Kurv’s promo page says a free mobile Tap-to-Pay app download is included with every Kurv merchant account. Its Merchant Portal page also includes a mobile app in the Start plan and says merchants can accept Apple Pay and Google Pay on a smartphone without a card reader.

The app is most relevant for businesses that need mobile or flexible payment acceptance, such as service providers, market vendors, pop-up sellers, field-service businesses, restaurants with tableside payment needs, and small businesses that want to reduce dependency on traditional countertop hardware. Kurv’s pricing page also states that merchants do not need to purchase hardware to open a merchant account with Kurv.

Pricing and Plans

Kurv publishes several layers of pricing. Its general pricing page lists sample rates of 2.50% + $0.10 for swiped transactions, 2.90% + $0.25 for keyed and online transactions, and zero-cost processing where the merchant pays 0% and the cardholder pays 3.95%. The same page states that sample pricing applies to new accounts only when applying directly through kurvpay.com, and that merchant pricing is subject to underwriting, MCC, and the merchant agreement.

Kurv also lists simplified account fees. Its pricing page shows $0 monthly fees, $0 annual fees, $0 setup fees, $0 statement fees, $0 PCI fees, and $0 customer-service fees.

Kurv’s Merchant Portal pricing starts with the Start plan at $0 per month plus $0 transaction fees for the portal tier. Build is listed at $9.95 per month plus $0.10 transaction fees, Scale at $29.95 per month plus $0.05 transaction fees, and Perform at $59.95 per month plus $0.05 transaction fees. A la carte add-ons are listed from $5 to $25 per month, depending on feature tier.

Hardware pricing is also published. Kurv’s pricing page lists Tap to Pay as included with every Kurv merchant account, a handheld smart terminal at $199 to purchase or $24.95 per month to rent, and an all-in-one terminal at $399 to purchase or $49.95 per month to rent. The pricing page also says merchants do not need to purchase hardware to open a merchant account with Kurv.

Bottom Line

Kurv is a strong consideration for U.S. businesses that want merchant services with multiple payment-acceptance options, especially businesses that value mobile Tap to Pay, a virtual terminal, published sample rates, support access, and portal-based payment management. Its promo page emphasizes a free virtual terminal, a free mobile Tap-to-Pay app download, fast application approval language, and a $250 rate-comparison promotion with stated exclusions.

FAQs

Does Kurv publish processing rates?

Yes. Kurv publishes sample rates, including 2.50% + $0.10 for swiped transactions, 2.90% + $0.25 for keyed and online transactions, and a zero-cost processing model where the merchant pays 0% and the cardholder pays 3.95%.

Does Kurv include Tap to Pay?

Yes. Kurv’s promo page says a free mobile Tap-to-Pay app download is included with every Kurv merchant account, and its pricing page lists Tap to Pay as included with every Kurv merchant account.

Does Kurv provide 24/7 support?

Kurv’s contact page states that its customer service team and self-service tools are available 24/7/365. Its promo page also lists business hours of 7:30 AM–5:30 PM EST and phone numbers 888-685-7123 and 866-991-3796.

Can Kurv be used without buying hardware?

Yes. Kurv’s pricing FAQ states that merchants do not need to purchase hardware to open a merchant account with Kurv. The same pricing page lists Tap to Pay as included with every Kurv merchant account and provides optional terminal purchase and rental prices.

How do I know I can trust this review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Top10.com Staff

Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.