Total Processing Review

April 13, 2022

Total Processing is a fintech company specializing in merchant account services. It offers an assortment of payment processing options for online and retail stores. The company is based in Manchester but is open to working with global merchants. Below is an overview of merchant services offered by Total Processing:

  • Merchant accounts
  • Payment gateway and eTerminal
  • Mobile and countertop terminals
  • Payment processing of credit cards and debit cards
  • E-commerce integrations
  • Chargeback and fraud prevention

Total Processing Merchant Services

  • Merchant Accounts

Total Processing offers merchant accounts for all types of businesses. It does not give special mention to high-risk merchants, in particular. However, it showcases its services as highly customizable for different business needs.

It also assures merchants of its independence from traditional banks and credit card companies. Instead, it has partnerships with different banks and third-party payment providers. It will help customers negotiate the best rates and pick payment conditions suitable for their business needs.

  • Payment Gateway and eTerminal

Total Processing provides each merchant with an eTerminal, which acts as a payment gateway. It is a web-based system where businesses can access all the payment processing services. Other features include recurring billing and comprehensive performance reports.


Total Processing merchnat services

  • Payment Processing

With an eTerminal, merchants can accept credit and debit card payments through different channels, depending on what is suitable for their business.

For e-commerce businesses, the eTerminal system is connected to their websites for seamless payment processing. For phone transactions, customers can pay through a fully automated system, which will guide them through the process.

There is also an option for a multilingual system for international customers. It is available round the clock so customers can shop any time of the day. For merchants with customers who purchase at point-of-sale, they are provided with physical terminals to process in-store or mobile payments.

  • E-commerce Integrations

All payment options are easily integrated into the merchant’s existing platform and payment provider. Once a business has a merchant account with Total Processing, it will gain access to the company’s developers for free. They will help set up the merchant’s payment system within its existing platform.

According to the website, it offers fast, plug-and-play integration. It can complete the process within the same day if needed. Its website also contains an integration guide for merchants with in-house developers.

  • Chargeback Prevent and Fraud Protection

With Total Processing, every transaction goes through security checks to minimize the possibility of fraud. It will also prevent unnecessary chargeback problems. These measures are put in place through the system.

Apart from accepting and processing payments, merchants can check a customer’s account for sufficient funds.  The company’s system is also PCI-DSS compliant, which assures customers of data privacy and protection.

Total Processing Fees, Rates, and Pricing

  • Processing Fees – Total Processing does not provide a standard fee for merchants. Instead, the website allows businesses to request a personalized quote. The company promises low rates. Additionally, you can compare different bank rates and choose what is best for your business.
  • Additional Fees – It is unclear whether Total Processing charges additional fees for gateways, terminals, and other services.
  • Hidden Charges – Based on online reviews, Total Processing does not seem to have a reputation for charging hidden fees. In any case, this can be prevented by discussing your pricing scheme in detail.

Total Processing Complaints

Out of over 100 reviews about Total Processing, we have found one complaint about the company. Below is a summary of the issues encountered.

  • Rip Off Reports 

There don’t seem to be any rip-off reports about Total Processing.

  • Other Complaints

The complaint was from a merchant based in Ireland. Total Processing agreed to help him look for a payment processor for his CBD business. However, he did not receive any feedback until weeks later.

The company denied his application and failed to respond to his succeeding inquiries. He claims to have spent over 5,000 euros that were not returned to him. Total Processing responded to the complaint and clarified the reason for rejection.

Total Processing reviews

Total Processing BBB Rating

Total Processing is not an accredited company by the BBB.

BBB Reviews

Total Processing does not have any BBB reviews, nor does it have a BBB profile page.

Is Total Processing Legitimate?

Total Processing is a legitimate company based in Manchester, England. It was established in 2015 by founder Alex Leigh. It is operated by a team of professionals in the fintech industry. You can find information about its executive team online. Its address and contact details are available to the public as well.

Outside its company website, Total Processing has a strong online presence. It appears in several review sites, PR articles, and news articles. It also has hundreds of merchant reviews, which further testifies to its credibility.

  • Scams – There don’t appear to be any reports of scams involving Total Processing.
  • Lawsuits – Likewise, we have not found any official lawsuits against Total Processing.

Total Processing Customer Reviews

The Total Processing website shows a 4.9-star rating based on 149 reviews hosted by Trustpilot. They are testimonials from business owners in different industries. Many praise the company for its responsive customer service and helpful solutions for high-risk merchants.

They laud specific agents who have supported them throughout the onboarding process. They also highlight the company’s industry knowledge and quick and efficient process.


Overall, Total Processing is just as its name suggests. It aims to provide total support for merchants when it comes to payment processing. It gives importance to merchant setup, payment security, customer experience, and post-sales analysis. This is further proven by its high review ratings and positive merchant testimonials.

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