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TSYS Merchant Services Review 2024

Top10.com Staff

In a Nutshell

TSYS is a fully transparent merchant service provider. Offering flat-rate pricing and an industry-standard feature set, it’s an ideal choice for growing businesses in need of a reliable and trustworthy merchant solution.


  • No setup, inactivity or application fees
  • Simplified statements thanks to flat-rate pricing
  • 24/7 service and equipment support


  • 3-year contract term (early termination may apply)
  • Limited support options

TSYS Merchant Solutions TSYS Merchant Solutions Visit Site

Ideal For 

  • Companies that need a convenient and effective credit card processing platform 
  • Merchants who want better security and sophisticated reporting and analytics 
  • Companies looking for help managing payroll issues
  • Any vendor that wants to launch customer loyalty reward programs

What’s on Offer 

  • Wireless processing—accept payment cards wherever you work 
  • Sophisticated online reporting 
  • Reward and gift programs for customers
  • Integrates seamlessly with Ecommerce sites and tools
  • TSYS Guardian Security Suite—the company's own consolidated suite of security solutions 
  • Accept payment by credit, debit, check, digital wallet, EBT, prepaid cards
  • TSYS proprietary gateway
  • API integration 
  • Wide range of EMV ready credit card machines and POS systems that can be leased
  • 24/7 partner support

Application Process

Signing up with TSYS is quite easy and straightforward. Go on the TSYS website and enter in your contact information and you should hear from a company representative within 24 hours. 

The company rep will ask you questions about your company, such as about your sales volume, how you do business, and what you sell. This information is used in order to determine how much to charge you. 

During this call, the information you provide can also help the representative determine if you need to be set up with the proprietary online gateway, or if your business may benefit from TSYS’s free POS systems that are offered as part of the agreement.

You will then receive a quote and can take things forward from there. 

What’s Unique About TSYS?

TSYS provides an expansive merchant services package that goes well beyond simple credit card processing. 

When you partner with TSYS, you will receive access to the company’s proprietary merchant services products. These include the company's mobile credit card processing features and web-based payment processing gateway, which can process credit, signature, prepaid, and PIN cards through any internet connection. You can also make use of Automated Clearing House (ACH) payments to quickly clear transactions and accept payments from Electronic Benefits Transfer (EBT) and digital wallets. With TSYS, you can save time because all of these sales can be carried out remotely, through a mobile device or online, and you can instantly carry out tax and tip functions and email the receipts directly from your device. 

TSYS will also help you select the right POS payment hardware and can lease it directly to you.

With TSYS, you will be able to use sophisticated data reporting to analyze your business’ strengths and weaknesses and better navigate your daily operations. You can also design and manage highly customizable reward and gift programs. These can help you increase revenue and build stronger relationships with your customers. 

You can also integrate your transactions with a series of point of sale and Ecommerce programs.

Customer Service 

TSYS offers 24/7 customer support, and since your company probably won’t run only from 9 to 5, this can really come in handy. That said, the customer service is only by telephone and not by online chat. 

The company does include a large amount of helpful information in its online knowledge base and FAQ section. 

Pricing (Software and Hardware)

Rates with just about any merchant service provider will typically be negotiable and that applies to TSYS as well—since no 2 businesses are the same. With that said, TSYS does offer some standardized pricing packages on their website and that transparency is greatly appreciated.

They offer 3 flat-rate plans for processing, which include: 

Plan Name
Swipe Rate
Minimum Card Volume
$.20 transaction fee and $9.95 monthly service fee
No minimum

$.20 transaction fee and $19.95 monthly service fee

$.20 transaction fee and $49.95 monthly service fee

The Pursue and Grow plans both include a free credit card reader that is EMV, NFC and Apple Pay capable. If you choose the Accelerate plan it comes with a Tablet POS, card reader, cash drawer and printer.

There are no setup fees with any of the simplified pricing packages but keep in mind that contract agreements are in place where equipment is leased and early termination fees can apply on any long term agreement. On the upside, you won’t have to deal with variable rates based on the types of cards you accept.

With TSYS you are able to use the company’s proprietary Guardian Security Platform, which includes data breach protection, as well as measures to safeguard against the loss of company records or hardware, in addition to employee theft. 

Payments are secured on the system end-to-end, and the company has a number of credit card fraud safeguards in place. The company also uses a number of WiFi security measures, meets industry regulations on security, and is Payment Card Industry (PCI) compliant. 

Bottom Line

TSYS offers a comprehensive credit card processing and merchant systems package that can help your company operate safer and more efficiently. The company has transparent pricing and a host of security measures put in place in order to keep you and your customers safe. 

With TSYS you can take advantage of sophisticated analytics that can help you manage your business more effectively, and also help you build customer reward programs to boost your business. In addition, the system is fully mobile and allows you to work quickly and effectively no matter where you are. 

TSYS Merchant Solutions TSYS Merchant Solutions Visit Site

About TSYS

TSYS traces its operations way back to the founding of a bank in Columbus, Georgia in 1888. In 1959, the company introduced one of Georgia’s first bank credit cards, and in 1983 launched Total System Services, Inc., which it later named TSYS. 

Today the company works with hundreds of thousands of business in more than 80 countries across the world, and has won a number of industry awards.

The company sees itself as having outgrown “our roots as a local hometown bank into a global payments leader, but our focus - unlocking opportunities in payments - remains unchanged.”

Physical Address


One TSYS Way

Columbus, Ga. 31901-4222

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.
TSYS Merchant Solutions

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