Durango Merchant Services Review

October 29, 2021

Durango Merchant Services offers its clients high-risk credit card processing and a range of other merchant services. The company prides itself on its quick approval process and transparent pricing, as well as its specialization in high-risk merchant accounts.


Opening a high-risk merchant account from Durango Merchant Services gives you access to a range of payment processing methods. You get high-risk credit card processing, check processing, and more.

Services From Durango Merchant Services

Explore some of the services that Durango Merchant Services offers in more detail.


Credit Card Processing

One of the major services from Durango Merchant Services is high-risk credit card processing. This service is available for e-commerce as well as in-person retail settings.

The credit card processing supports recurring billing and email invoicing.

It also has iSPY Fraud, PCI Certification, Sync Pay, mobile payments, Quickbooks SyncPay, batch uploads, API integrations, electronic invoicing, free shopping carts, customer “vaults,” payer authentication, fraud protection tools, Level II and III processing, and button generators to “Buy Now.”

E-check Processing

image of e check processing

The e-check processing system from Durango Merchant Services is 100% internet-based and is not an ACH system. It allows you to remotely process images to deposit checks to every bank in the United States.

In addition to the basic check processing that comes with this service, it also includes real-time bank verification and live signature capture.


E-check processing even lets you accept payments via check over the phone. This is done by having you directly input them into the Durango Merchant Services gateway. It verifies the check based on national security databases.

E-check processing also includes receiving funding the next day or even the same day. You also get triple verification, batch processing twice a day, email invoices, bill pay, a virtual portal, and remote deposit capture.

Check Processing

Durango Merchant Services also offers check verification services via a partnership. This gives high-risk merchant accounts access to a no-hassle pathway for check approvals with minimal (and sometimes no) existing reserves. It also has guaranteed approval.

Cryptocurrency Processing

This service lets high-risk merchant accounts accept cryptocurrency from their customers and receive dollars in exchange. You can use this system to accept multiple cryptocurrencies. The system also supports refunds and makes cross-border transactions easy.

image of cryptocurrency processing

Point-of-sale Systems

If you need a point-of-sale system for inside your store, Durango Merchant Services can provide it for you. They can also integrate with your existing point-of-sale system.

Mobile and Wireless Terminals

For portability within your store or restaurant, Durango Merchant Services also offers options for wireless and mobile payments.


Fraud and Chargeback Solutions

The company offers solutions to help prevent fraud as well as chargebacks. Some of this comes via the EMV 3D Secure 2.0 technology.

Payment Gateway

The Durango Merchant Services gateway stands out from competitors with its virtual terminal, mobile EMV terminal solution, full storage of digital receipts and signatures, integrated terminals, batch processing, recurring billing with modifiers, tokenization, encrypted devices, JSON API, and dashboard analytics.

E-commerce Gateway

This payment gateway was specifically designed for e-commerce businesses. It directly connects your website and processing bank to streamline the experience.

Durango Merchant Services Rates

image of durango merchant services rates

This payment processing prides itself on its transparent pricing. There are no hidden charges nor hidden fees. Just keep in mind that you will have to contact them for a quote since it will be based on your particular business and needs.

The company also works with dozens of processors to compare rates and get you the best possible one.

High-risk Industries Durango Merchant Services Serves

Durango Merchant Services offers its high-risk merchant accounts to a long list of high-risk industries. Some of these include the following:

  • MLMs
  • Non-profits
  • 501C3s
  • Supplements
  • Membership websites
  • Subscription services
  • Live animal sales
  • Travel companies
  • Tobacco
  • E-cigarettes
  • FFL dealers
  • Insurance
  • Online liquor sales
  • Small business startups

This company makes it clear that they accept a wide range of businesses, and you don’t have to be in one of the industries that they explicitly list on their website. In fact, on their list of supported industries, the final one is “your business goes here.”

Other Notable Features of Durango Merchant Services

In addition to everything else already mentioned, there are a few additional features you get with high-risk merchant accounts to be aware of.

The Company’s Experience

Durango Merchant Services has more than two decades of experience in payment processing. They pass the benefit of that experience onto you by using it to deliver the highest quality services with a focus on the exact services and solutions that clients need.

As the company was founded in 1997, it has over twenty years of extra processing experience compared to its leading competitors. That experience has given the company a chance to build a larger network with more connections and to offer more payment solutions and integrations.

Account Managers

At Durango Merchant Service, each client gets access to an account manager. You will receive the account manager’s direct number, making it easy to reach them with any questions or concerns.

Importantly, you get your dedicated account manager for the full lifetime of your account. This way, there is no need to familiarize yourself with a new contact person at any time.

Great Customer Service

image of durango merchant services customer service

Reviews agree that Durango Merchant Service has great customer service. In fact, their customer service is award-winning.

The customer service is available 24/7 via email. Or you can contact a live agent during business hours or use the number you receive to directly contact your dedicated account manager.

You may not even need to contact customer support once you see the videos and instruction manuals that Durango Merchant Services offers.

API Integrations and Plugins for E-commerce

The high-risk credit card processing services from Durango Merchant Services come with API integrations, while their e-check processing comes with both API integrations and pre-built plugins. This is incredibly useful for developers or companies that want to keep their current systems.

Those pre-built plugins include ones for the most popular shopping carts, including Magento, Shopify, and WooCommerce.

Durango Merchant Services Reputation and Reviews

High-risk merchant accounts and the other services from Durango Merchant Services receive great reviews and ratings.

The company is BBB-accredited with an A+ rating. It also has a five-star rating on TrustLink Reviews and on Google Reviews. Reviews typically praise the services themselves as well as the customer service.


Durango Merchant Service stands out among other high-risk merchant accounts thanks to its two decades of experience in the industry. The company also offers some unique features that are hard to find, such as cryptocurrency processing. This lets you expand your customer base and boost sales.


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