Total Merchant Services
“Can a mid-market ISO/MSP differentiate by bundling POS, gateway, and cash advance services under a consistent brand post-acquisition by North American Bancard?”
HQUnited States
IndustryFintech / Payments
The story
Total Merchant Services began as an independent ISO/MSP for Wells Fargo Bank offering traditional credit card processing. Following acquisition by North American Bancard, the company retained its brand while shifting back-end processing to Global Payments. It has expanded from retail POS into mobile payments, e-commerce gateways, and value-added services like cash advances, while remaining a mid-market merchant services provider.
Last 12 months
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Product timeline
2015
Privacy Policy effective date indicates formal operations at least since 2015; registered ISO/MSP for Wells Fargo Bank.· pivot
Regulated entities
1
regulatory licence held by Total Merchant Services
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Total Merchant Services’s embedded-finance stack
Payments / PSP
Global PaymentsAuthorize.netNMI Payment GatewayVerisign Payflow ProVerisign Payflow LinkPlug 'N PayPC Charge Pro
Lending
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: minor
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.