Durango Merchant Services Review – Pricing, Integrations, Support

  • Offers high risk accounts to international merchants
  • Specializes in high risk merchant accounts
  • Dedicated customer service
  • Built-in fraud protection tools
  • No pricing details available on the website

Durango Merchant Services Overview

Founded in 1999, Durango merchant services LLC is a credit card processor that specializes in serving high-risk merchants. Its main features include international merchant accounts, e-commerce gateway, cryptocurrency processing, and mobile payments. The system also offers multi-currency and echeck processing, mobile payments, and chargeback protection. As a small business owner, you can expect fair prices and low rates.

Durango has also earned a stellar reputation for its integrity in providing card processing solutions for businesses and especially when it comes to e-commerce merchants.

If you’re looking for quality service and reliable prices, we think Durango will be the perfect place for you. It doesn’t matter whether you are establishing a start-up company or a small retail store, Durango has everything you need and more. To prove this here’s an honest Durango merchant services review that will provide you with all the details you’ll need before submitting an application.

Durango Merchant Services

Durango Merchant Services Pricing

As one of the best merchant service providers in the industry, Durango ensures that they offer fair prices to each and every business regardless of whether they are high risk or not.

At the moment, they haven’t publicly listed their prices on their website. However, they have discussed the factors that go into determining what a merchant will pay. Nevertheless, as a merchant, you can expect to find various pricing models at Durango such as flat-rate pricing, tiered pricing, and interchange-plus pricing. Below, we take a closer evaluation of what Durango currently offers.

Low Risk Business Pricing

Regardless of the pricing model you choose, low-risk businesses normally pay less than high-risk businesses. A business can be classified as low risk due to a number of factors. For instance, businesses that process less than $20, 000 per month are usually considered low risk. Examples of low-risk businesses include health and beauty products, pet supplies, office supplies, and household goods.

At Durango merchant services, low-risk businesses can process credit card transactions at fair rates and fees. The amount of fees paid will ultimately depend on the type of business being established. Some of the most popular fees you’ll encounter at Durango include processing fees, account maintenance fees, and a monthly minimum fee.

After thorough research, we also found out that many low-risk merchants often go for flat-rate pricing. This pricing model is primarily used by small brick-and-mortar businesses that sell physical products.

High-Risk Business Pricing

Durango offers some of the best-customized prices for high-risk merchant accounts. A high-risk business is one that experiences numerous cases of chargebacks and credit card fraud. Additionally, the goods and services you sell might also be labeled as high risk. Some of the most common high-risk businesses include travel agencies, telemarketing, online gambling, e-cigarettes, dating services, and Forex trading.

At Durango merchant services, many high-risk merchants are offered a tiered pricing model. As mentioned before, the amount of rates and fees you’ll pay will differ from other merchants. So, for example, a travel agency might pay a 1.35% processing rate while a telemarketer pays a 1.25% rate.

In addition, high risk merchants can also negotiate interchange-plus pricing. Interchange-plus pricing works much better for high risk businesses than a flat-rate or tiered price.

Durango Merchant Services Features

Durango Merchant Services Features

After signing up for payment processing services Durango merchants get to enjoy a wide array of features. There are international merchant accounts available for those looking to do business in the United States. Durango Merchant services also offer e-commerce card processing, echeck processing, and various credit card terminals. Additionally, the company supports multi-currency transactions and has an intricate security system that assists in fraud protection.

There are also several integrations available that you can use to grow your small business. With so many features available, we’re sure that you will have everything required for processing credit card payments.

Credit Card Processing

When it comes to card processing services Durango merchants have plenty of options to choose from. To begin with, Durango offers several credit card terminals that brick-and-mortar stores can use to facilitate trade. Sometimes, merchants who have a stable processing history may receive a free card terminal.

There are also mobile card readers available that merchants can use while on the move. Mobile transactions are also facilitated through a payment app that’s connected to the merchant account. Additionally, Durango also provides merchants with a physical point-of-sale system that is more robust and efficient than what other merchant account providers have.


Ecommerce Payment Gateway

Durango’s ecommerce payment gateway is one of the best in the business. With their gateway service, Durango merchants get to enjoy a virtual terminal that allows card processing from any internet-connected device. Their gateway also has a ‘recurring billing’ feature that will allow you to send out and manage transactions from loyal customers. Batch processing is also supported by their payment gateway and there’s also a secure customer information vault that will allow you to easily store credit card information at an affordable fee. It’s also worth noting that Durango has a gateway emulator which makes switching gateways easier.

E-Check Processing

The twenty-first century saw a rise in popularity in E-check payment processing. Fortunately, with Durango merchant services, you can accept check payments in person, online, by mail or by telephone. Unlike traditional checks, with e-checks you’ll receive your funds in less than 24 hours and also be allowed to send electronic receipts to your customers. There is also a recurring billing and batch processing feature incorporated in the service.

Currently, Durango charges a small additional fee for this service. Nevertheless, we still believe that processing e-check payments with this merchant service provider will help grow your business.

Cryptocurrency Processing

Unlike many merchant service companies, Durango can build you a cryptocurrency merchant account that will allow you to receive payments from your international customers. At the present, you can accept cryptocurrencies such as bitcoin, ethereum and litecoin. You will be able to accept these payments from any e-wallet and invoice as well as in person. This feature will also allow you to process refunds at lower fees as well as provide you with an enhanced fraud protection system. Overall, we can say that Durango merchant services has an excellent cryptocurrency processor that is rarely found in the merchant service industry.

Durango Merchant Services Ease of Use

For a company that’s been in operation for more than twenty years, Durango merchant services ensures that their products and services match up to the latest trading technology. At first, their website may seem a bit confusing. However, it’s well-polished and easy to navigate. The company also provides detailed information about their services that helps merchants better understand how credit card processing works.

Creating a merchant account is fast and easy and you won’t experience unnecessary delays as seen in other merchant service companies. Durango also offers plenty of integrations that open up more payment options for customers while ensuring smooth transactions. If you’re looking for fast and affordable merchant services Durango is the place for you. Simply visit their website via desktop or on your mobile phone and submit your application for free.

Approval Process

After submitting your application, Durango will take up to five business days to approve your merchant account. They will also assign you an account manager who will guide you through all the features and products including rates, fees and pricing.

You will be required to submit a few documents such as a copy of your driver’s license or passport, a bank reference letter and a proof of business (business license or articles of incorporation). Other times, Durango might request additional information so as to ensure you get the most fitting products for your merchant account.

Plug-and-play add-ons

Plug-and-play add-ons

Durango merchant services also offer additional features that make payment processing faster and easier for merchants. Some of these features include the “Pay Now” or “Buy Now” buttons that you can easily place on your website without acquiring an SSL certificate. You can also create “Donate Now” and “Check Out” buttons as well. Durango also supports several shopping carts that can be directly linked to your merchant account. With these shopping carts, your customers can use their credit cards or other forms of payment to buy goods and services from your website with as little friction as possible.

Fraud and Chargeback Protection

Credit card processing often falls victim to numerous cases of fraud and chargebacks that can negatively affect your small business. Luckily, Durango merchant services offers a tightly-knit security system to protect you from fraud as well as in-built tools that provide protection against chargebacks. Currently, Durango can discern fraudulent transactions from legitimate ones and are therefore able to decline these types of transactions before authorization. There’s also a fraud scrubbing system that looks out for and stops any suspicious transactions and an encrypted vault that stores your customer’s sensitive data.

Durango Merchant Services Technical & Customer Support

Durango Merchant Services Technical & Customer Support

To new merchants, processing credit cards and echecks may sound a bit daunting and confusing. Fortunately, Durango has set up a comprehensive customer support service that will ensure all your grievances are heard as soon as possible. Currently, you can reach the support team via phone or email from Monday to Friday between 8:30 AM – 5:00 PM MST. Their support agents are friendly and they make a point of resolving problems quickly and in a professional manner.

After successfully creating a merchant account, you’ll also be given an account manager. Your account manager will provide one-on-one support and walk you through setting up all the software and features as well as the physical hardware if you own a brick-and-mortar retail store.

Additionally, there is an extensive FAQ page on the website that answers almost all questions regarding merchant accounts and credit card processing.

Are Durango Merchant Services a Good Fit For Your Business?

Durango merchant services is an honest and transparent operator that has been accredited with the Better Business Bureau since 2006. The company offers its services to both high-risk and low-risk businesses so, no matter which industry you work in, Durango has your back.

At the moment, Durango can be classified as a high-risk account provider. Nevertheless, the operator shows immense dedication towards securing payment processing solutions for small businesses. Their fair prices and well-rounded features have exceeded the industry standard and we are sure that any small business will greatly benefit from having a Durango merchant account.

Our Verdict

Our Verdict

With so many positive qualities, we can’t help but recommend Durango merchant services to all our readers. The company has over ten years of experience and a long list of loyal customers who testify to their wonderful services. There are numerous payment processing solutions that include e-checks and cryptocurrencies and their rates and fees are also fair and customized for every merchant.

Overall, we liked Durango’s ability to work with various processors and their creative solutions to complex situations. We hope to see even more excellent services in the future.