Axcess Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Axcess Merchant Services is best-suited for online businesses, eCommerce stores, and any business where the card isn’t present. 

Specializes in

Axcess Merchant Services (hereon referred to as AMS) specializes in servicing eCommerce businesses and online stores that rely on card-not-present transactions. It also services other types of high-risk businesses.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Undisclosed

Contract Terms:

3 Years
Visit Axcess Merchant Services

Martin Greenbank founded AMS in 2007 in England, UK. It is headquartered in Wolverhampton, UK. It employs over 25 people. AMS services online businesses, eCommerce stores, and other types of high-risk businesses. It is not a known ISO/MSP of any bank or organization.

Axcess Merchant Services Overview


AMS does its business by acquiring and processing various merchants' payments with high-risk businesses, usual owners of online businesses, and eCommerce stores. AMS was created with this idea in mind, as many high-risk businesses don’t have a proper payment processing solution ideal for the kind of business model those owners operate with. AMS’s industry focus and most of its business are centered around this kind of client.
The pricing that AMS offers is less-than-ideally covered in both the main AMS website and any kind of advertising or promotional marketing. According to several various sources, AMS offers varying, flexible pricing depending on the business you operate. Hard numbers and data are harder to find, however, on AMS in this category.AMS’s overall rep is very positive and clean: it has a record of having very few complaints in general online. For a merchant account provider, this is a rare thing.

Quick Facts

Head Quarters

England, UK

Year Founded



Martin Greenbank



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Adult
  • Airlines
  • CBD & Hemp
  • Dating
  • Gaming
  • Hosting
  • Marketing Agency
  • SAAS
  • SEO & SEM Services
  • Travel
  • Web Design Services

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • Information
  • MOTO
  • Online
  • Subscription / Continuity

Axcess Merchant Services Products & Services


Point 1: Customized Payment Solutions, Safe Payment Gateways

Axcess goes out of its way to customize and make the payment processing solution for each account and customer. Once it understands your business, it will connect to one of its hundreds of banking partners and find the perfect one to handle what you need. Axcess also provides safe payment gateways and other industry-standard technology to make your online payments and transactions as safe, fast, and efficient as possible.

Point 2: Merchant Account Analytics & Recurring Billing

Axcess provides merchant account analytics and recurring billings to businesses who have things like a subscription model or a feature that allows a customer to buy the same kind of order over and over again. If your business revolves around these kinds of transactions, a service like this is key. Analytics can help any business owner run their numbers better and figure out how to cut costs and raise profits as much as possible. While these are common services in the industry, Axcess can tailor them to fit your business perfectly.

Point 3: MOTO Services, Mobile Payment Options, Multi-Currency Processing

Axcess provides various other services, too: like MOTO services, mobile payment options, and the ability to process multiple currencies at once. Mail-order/telephone orders are still used, despite being less common than usual. Mobile Payments are on the rise, so a merchant may want that for their business. Multi-currency payment processing is useful if much of your traffic is foreign or you plan to go international.

Axcess Merchant Services Payment Processing

  • Chargeback & Fraud Prevention
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • High-Risk Industries
  • Online Payments
  • Payment Gateway
  • Recurring Billing
  • Virtual Terminal

Axcess Merchant Services Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Axcess Merchant Services Advertising & Sales

AMS uses traditional methods of advertising when attempting to acquire new clients and other sources of revenue. AMS also utilizes an in-house sales team. However, what is even more important than that is the absence of independent resellers, which is somewhat of a blight on the merchant account provider industry. Independent resellers usually lead to aggressive, deceptive sales practices focused on the bottom line of the sales-person and their commissions rather than the merchant's satisfaction.
AMS doesn’t have these problems, and the lack of complaints around its advertising shows that. AMS is not an ISO of any bank or organization, and its pricing is murky in terms of clear, direct details. Overall, AMS features very honest advertising and sales aspects in its business and doesn’t seem to try to take advantage of merchants at all.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Axcess Merchant Services Pricing, Rates & Fees


AMS pricing is a hard thing to determine. It has stated before that it has variable pricing for different merchants and that different rates may apply. Its PCI Compliance Fee, annual fees or monthly minimums, early termination fees, and other fees are all unknown, as are any hard numbers on rates. AMS’s pricing is incredibly shrouded, and it is hard to gather any concrete information on it. It is not available at all.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

1.00% - 4.99%

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Axcess Merchant Services Contract & Terms

Similar to AMS’s pricing, its contract is also mysterious in terms of any concrete details. This includes information on the contract's length, cancellation fees, and any other important or unique terms that its contract might feature. There is simply not much information about it. Notably, however, there are not many complaints about the pricing or the contract online, which suggests that AMS is not taking advantage of merchants with these aspects of its business.

Contract Length

3 Years

Early Termination Fee


Axcess Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ

Axcess Merchant Services Complaints, Ratings & Reviews

This is an aspect where AMS shines. AMS features almost no online negative reviews or complaints in general across various review websites, Google, and elsewhere. Online, most review websites review AMS at 4-5 stars consistently. Google features one negative one-star review, but nothing else. One negative review within pages of positive online reviews is inconsistent and puts that to perhaps one unsatisfied customer. 

AMS receives numerous complaints and praise from merchants and customers. The most commonly cited positives are things like customer service and the overall quality of its products and services.

AMS has no history of litigation or any ongoing lawsuits. There are no common or outstanding complaints with AMS, either. AMS is a clean-cut, efficient processor that seems determined to help online businesses and eCommerce merchants.





1 Star / 1 Review


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If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks


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