“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?”
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.
Total Merchant Services discloses Wells Fargo Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Total Merchant Services does not disclose a bank charter of its own; its banking services are provided through Wells Fargo Bank.
Total Merchant Services processes payments through Global Payments, Authorize.net, NMI Payment Gateway, Verisign Payflow Pro, Verisign Payflow Link, Plug 'N Pay and PC Charge Pro.
Total Merchant Services integrates with ChargeZoom.
The Embedded Finance Index 2026 maps 4 layers in Total Merchant Services's stack: Payments / PSP (Global Payments, Authorize.net, NMI Payment Gateway, Verisign Payflow Pro and 3 others); Lending (Cash-on-Demand (Cash Advance) and Working capital loans via merchant cash advance (up to $5M via Total Merchant Resources)); Sponsor bank (Wells Fargo Bank); Accounting (ChargeZoom).
Total Merchant Services is headquartered in United States.
Get a read on where your own stack stands against Total Merchant Services and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.