MiCamp Solutions Review

June 2, 2022


MiCamp Solutions, formerly called MiCamp Merchant Services, is an Arizona-based financial technology firm founded in 2007. The company provides secure payment processing solutions to standard-risk and high-risk merchants across various industries in the United States.

Below is an overview of the services currently offered by MiCamp Solutions:

  • Standard-risk to high-risk merchant accounts
  • Payment gateway integration
  • Credit card processing solutions
  • Fraud-induced chargeback mitigation
  • Custom financial technology software


MiCamp Solutions Merchant Services

Credit Card Processing Solutions

MiCamp Solutions offers the proprietary WAVit payment system to lower a merchant’s credit card processing fees. Customers can enjoy unlimited credit card processing with zero fees and no minimum purchase and volume requirements. WAVit offers a cost-effective platform to process Mastercard, Visa, Discover, and American Express transactions.

High-Risk Merchant Accounts

According to the company website, MiCamp Solutions has served more than 17,000 merchants, some of which are part of the high-risk business sector. By signing up with MiCamp, merchants can access a wide range of payment technologies.

Currently, MiCamp Solutions serves various industries, including, but not limited to:

  • Retailers
  • E-commerce
  • Restaurants
  • Gaming
  • Hospitality
  • Mobiles
Payment Gateway Integration

With its payment gateway, MiCamp will connect a company with an appropriate virtual terminal or online platform to accept payments from transactions where cards are not present. It features machine learning algorithms and filters to protect high-risk merchants from fraud and chargebacks.

Custom Financial Technology Software

MiCamp understands that businesses may require different payment solutions. The company can provide merchants with custom financial technology software with customized features to meet their specific requirements.


MiCamp Solutions Fees, Rates & Pricing

MiCamp provides a wide range of services at competitive rates to help its customers save big. There’s no mention of prices on its website, though. But a quick search online reveals MiCamp’s fees, charges, and hidden rates.

Processing Fees

After signing a standard contract, most customers will incur processing fees like swipe rate and keyed-in rate on interchange, plus pricing. The virtual terminal rate will cost around 1.00% to 4.99%. However, MiCamp Solutions doesn’t disclose its payment gateway fee.


As for its WAVit services, merchants can be charged a fixed rate for online, in-store, and card-not-present transactions. The rate will depend on various factors, including the monthly sales volume.

Additional Fees

The standard contract comes with a $99 annual PCI compliance fee, a minimum of $20 monthly fee, and a $10 monthly statement fee. If MiCamp shoulders the merchant’s termination fee from the previous provider, it will charge merchants up to $400 for service termination.

Hidden Charges

MiCamp may also enforce the same termination fee if the customer gets “free” equipment upon signup. Additionally, there’s a lease agreement that you have to review since the terms may result in payments of $1,000 or more from the terminal’s original price.


 Pricing Plan

Since MiCamp offers various merchant services, the pricing plans and terms differ. Those who want to integrate specific solutions into their systems must contact MiCamp to understand the full details. But unlike other firms, merchants can expect an interchange-plus rather than a tiered pricing plan.


MiCamp Solutions Complaints

Although many clients trust MiCamp’s payment services and receive satisfactory results, some have a negative experience with the firm. After browsing Google, Yelp, and BBB reviews, most of the complaints circle on similar issues.

Rip Off Reports

Across several review websites, there were issues about nondisclosure or misrepresentation of fees and rates. Many clients were surprised when the firm charged way more than the agreed fees. There were also complaints about the expensive cancellation fee and difficulty terminating services.


Several clients also expressed their distrust of MiCamp after noting the lack of communication and support once they’ve subscribed to their services. They kept sending follow-up emails and calls on the status of their transaction and other issues, but no response came from the firm.

Other Complaints

Other clients also expressed dissatisfaction with how their equipment constantly loses connection and has terrible programming. It is mentioned in several Yelp and Google reviews how unprofessional and unreliable MiCamp’s employees were at handling issues.


MiCamp Solutions BBB Rating

The Better Business Bureau has accredited the Arizona-based elite payment technology company since 2010. MiCamp currently holds an A+ rating, the highest grade scale a business can achieve. Meanwhile, the company has a rating of 4.24 out of 5 stars from 17 customer reviews.

BBB Reviews

MiCamp Solutions received several positive and negative reviews on the BBB website. It has five customer complaints closed in the last three years, and three in the previous 12 months. Problems with the product or service and billing or collection issues were among the top complaints about the company. Meanwhile, some customer reviews on the BBB website were about equipment issues and poor customer service and tech support.

Many customers also commended the services provided by MiCamp. A significant number of them have worked with the firm for years and have been satisfied with the outstanding service, unmatched rates, and the ease of using the point-of-sale system. One of the reviews contained praises on how helpful MiCamp’s payment processing services are for their small business.


Are MiCamp Solutions Legit?

MiCamp Solutions is a registered ISO of MetaBank, N.A., Sioux Falls, SD, and Wells Fargo Bank, N.A., Concord, California. The company is also a member of the Fiserv Chairman’s Circle and has been listed on Inc. magazine’s Inc. 5000 list for two years now. MiCamp Solutions is authorized to handle merchant accounts and has a growing client base of more than 17,000. These connections and credentials provide adequate proof of the legitimacy of MiCamp Solutions.


Some people received unsolicited emails from MiCamp Solutions regarding a referral. But when they asked who referred them, the firm couldn’t provide an answer. One online complaint also reported that MiCamp Solutions continued to draft a monthly charge from their account despite not processing a single credit card payment.


A quick search at Trellis reveals that MiCamp Solutions has an ongoing lawsuit filed in 2020. It seems that a merchant was dissatisfied enough to pursue legal actions and filed in the jurisdiction of Clark County, NV, against the financial technology firm. However, no details about the content of the case are made public.


MiCamp Solutions Customer Reviews

MiCamp currently has a 4 out of 5-star rating on Google with 134 reviews. Most customer feedback was positive and praised how MiCamp helped get their payment processing started. However, there were a significant number of complaints about their programs, lack of communication, improper billing, and difficulty in canceling their services.



MiCamp Solutions is an ISO financial technology firm that offers merchant accounts and seamless payment processing services to high-risk businesses. Whether you need an easy and secure way for in-store, online, and card-not-present transactions, MiCamp Solutions can provide you with innovative solutions that can maximize your profit.


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