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Priority CommerceC40

Merchant Account (ISO) · Established US businesses that want a large, financially solid processor with genuinely broad capability — …

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Overview

Priority is a real, large, publicly traded payments company — 1.8 million customer accounts, over $150 billion of annual volume, roughly 3,700 new merchants a month, and a banking arm holding $1.7 billion in balances. The platform is broad and MX Merchant is a decent piece of software. What holds the grade down is everything around the price: nothing is published, most of the business is written by ISO partners so the terms vary by whoever is selling, and the complaint record is concentrated almost entirely on billing that outlived cancellation. Twenty-one BBB complaints closed in twelve months with only six resolved outright is not catastrophic for a company this size, but the pattern is specific and it is avoidable — if you get the exit terms in writing on the way in.

Best for: Established US businesses that want a large, financially solid processor with genuinely broad capability — merchant services, payables, embedded banking and payroll from one company — and that have someone who will negotiate interchange-plus in basis points and read the termination clause line by line.

Strengths

  • + It is large and financially transparent in the way public companies have to be. Priority listed on NASDAQ as PRTH in 2018 and reported full-year 2025 revenue of $953.0 million, up 8% year over year, with Q4 2025 revenue of $247.1 million, up 8.8%. Its own site reports 1.8 million customer accounts, $1.7 billion in account balances and over $150 billion of annual volume.
  • + Same-day funding is marketed as a standard merchant-services capability rather than a premium upsell — a meaningful cash-flow difference for businesses running thin working capital, provided you confirm the eligibility rules and batch cut-off.
  • + MX Merchant is a real product, not a rebadged portal. Billing, sales tracking, customer engagement, QuickBooks sync and analytics sit in one console, with MX POS and eTab covering point of sale and hospitality.
  • + The platform genuinely spans more than card acceptance: payables automation with supplier enablement, embedded banking through the former Finxera (now CFTPay), and payroll with tax compliance. For a business trying to reduce the number of financial vendors it manages, that breadth has real value.
  • + Interchange-plus contracts are available, meaning network fees pass through at cost with a stated processor markup — the pricing structure you want, if you insist on it.
  • + Twenty-one years of continuous operation with an independently corroborated start date. The BBB file records a business start date of 2 May 2005, matching Priority's own account of being founded in Georgia that year as Priority Payment Systems.

Trade-offs

  • – Nothing about the price is published — not a rate, not a range, not a monthly fee, not a term length, not a termination fee. Every number in this review's pricing section came from third parties or from complaint records.
  • – Much of the business is sold through ISO partners, which means the agreement you sign is written by the reseller. Two Priority merchants can be on materially different terms, and a general description of Priority's contracts may not describe yours.
  • – Cancellation is the dominant complaint theme. BBB complainants describe being unable to reach anyone who can close an account, a $10 monthly service fee continuing for years after closure, and disputed balances referred to collections and damaging personal credit.
  • – The BBB resolution split is unflattering: of 37 complaints in three years, 6 are recorded as resolved against 31 answered but not resolved. Priority responds; merchants frequently remain unsatisfied.
  • – Reported early termination fees are wide and unpredictable — third-party sources describe a $200–$600 range, with individual complaints citing $299 and $495, including at least one merchant who says they were billed while still an active customer. None of this is confirmed by Priority.
  • – Fee-based programmes — cash discounting, convenience fees, service fees and surcharging — are marketed prominently. These shift cost to your customers rather than reducing it, and they carry state-law and card-network compliance obligations that land on you, not on Priority.

Fees in detail

  • Online rate: Not published. Priority's merchant services page markets fee-based solutions heavily — cash discounting, convenience fees, service fees and
  • Contract: Not published. Multiple independent reviewers describe a three-year standard term for Priority Payment Systems merchant agreements. Because much of Priority's business is written by ISO partners, the paper you are handed may not match any general description — read the term page of your own agreement.

Standard published rate for a domestic online card payment. Confirm current pricing on Priority Commerce's pricing page.

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