TSYS Merchant Solutions logo

TSYS Merchant Solutions in Omaha, NE

No stored Google rating available.

TSYS Merchant Solutions is a credit card processor founded in the 1950s that enables businesses to accept payments via terminals, mobile devices, websites, and virtual terminals.

Data compiled from public sources

Visit Website

TSYS Merchant Solutions Review

TSYS (Total System Services) Merchant Solutions was established in the 1950s in Omaha, Nebraska, and has grown to maintain offices across the country and internationally in Europe, Asia, South America, and the Middle East. In January 2016, TSYS acquired rival processor TransFirst to expand its service offerings. In spring 2019, Global Payments announced an all-stock acquisition of TSYS, with the combined entity taking the Global Payments name and maintaining headquarters in Atlanta and Columbus, Georgia.

TSYS provides merchant account services that allow businesses to accept credit cards through multiple channels. Their offerings include traditional point-of-sale and countertop equipment for in-store transactions, mobile processing via smartphone or tablet apps with optional card readers, website payment integration through their MultiPASS gateway or Authorize.Net support, and virtual terminals (WebPASS) for phone-based or computer-based transactions. The company supports major card networks including MasterCard, Visa, Discover, American Express, and PIN-based/signature-based debit cards.

TSYS distinguishes itself through comprehensive processing solutions that serve diverse business models—from brick-and-mortar retailers to food trucks, contractors, and online merchants. Their hosted payment page solution allows merchants to accept cards without storing sensitive cardholder data themselves. The platform includes encryption technology, online reporting, and full-service customer support. Equipment options range from simple payment terminals to advanced systems with inventory management and employee time tracking capabilities.

TSYS is best suited for established businesses seeking a full-service processor with multiple payment acceptance options rather than startups or merchants primarily seeking rate claims to verify. The website review format suggests TSYS competes on features and service offerings rather than being positioned as a budget option. Merchants should compare their pricing packages and contract terms, as these details significantly impact total cost of ownership for payment processing.

Services & Features

Authorize.Net gateway support as alternative to MultiPASS
B2B credit card processing
Hosted payment page solutions with merchant branding
Mobile payment processing via smartphone and tablet apps with optional card readers
MultiPASS internet payment gateway with API support for developers
Multiple payment card support (Visa, MasterCard, Discover, American Express, debit)
Online reporting and customer support
PCI-compliant payment processing with encryption technology
Recurring payment processing for subscriptions
Traditional point-of-sale and countertop credit card equipment
WebPASS virtual terminal for phone and computer-based card processing
Website payment integration and e-commerce solutions

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Multiple payment acceptance channels: traditional POS, mobile, website, and virtual terminals for flexibility
  • Supports all major card types including MasterCard, Visa, Discover, American Express, debit cards, and PIN-based transactions
  • MultiPASS gateway with API support for developers and hosted payment page options for non-developers
  • Hosted payment solutions reduce PCI compliance burden by keeping cardholder data off merchant servers
  • Advanced terminal options include inventory management and employee time tracking features
  • Mobile processing utilizes encryption technology to protect customer data for on-the-go businesses
  • Long operational history (founded 1950s) with established international presence across multiple continents

Cons

  • Website content does not provide specific pricing information, making rate comparison difficult for merchants
  • Contract terms and termination fee details are mentioned but not fully explained in the available content
  • Acquired by Global Payments in 2019—merchants should verify product continuity and service changes post-merger
  • No information provided about customer service response times or support availability
  • Virtual terminal (WebPASS) functionality appears cut off in the website content, leaving setup details unclear

State Consumer Finance Context

This is state-level context for Business Loans consumers in Omaha, NE. It does not confirm that TSYS Merchant Solutions or this specific location is licensed.

State regulator

Nebraska Department of Banking and Finance

Consumer protection

Nebraska Attorney General Consumer Protection Division

Personal loan rules in Nebraska

Status: Permitted

Rate context: 16% APR general usury cap

Personal loans are regulated under Nebraska's general usury laws (Neb. Rev. Stat. § 45-101 to 45-104). Lenders must be licensed by the Department of Banking and Finance if they make consumer loans.

Installment loan rules in Nebraska

Status: Permitted

Rate context: 16% APR general usury cap applies; however, licensed consumer finance lenders may charge higher rates under specific statutory provisions (Neb. Rev. Stat. § 45-101.02)

Installment loans are regulated under Nebraska's consumer finance laws. Licensed lenders can charge rates above 16% under the consumer finance lender exemption, but must comply with licensing and disclosure requirements.

Key state rules to check

  • Initiative 428 (2020) capped payday and similar short-term loans at 36% APR.
  • The general usury cap is 16% for most consumer loans.
  • Licensed delayed deposit services must comply with the 36% APR cap.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does TSYS Merchant Solutions offer?

TSYS Merchant Solutions offers 12 services including Traditional point-of-sale and countertop credit card equipment, Mobile payment processing via smartphone and tablet apps with optional card readers, Website payment integration and e-commerce solutions, MultiPASS internet payment gateway with API support for developers, Hosted payment page solutions with merchant branding, and 7 more.

What profile signals are listed for TSYS Merchant Solutions?

TSYS Merchant Solutions has profile signals associated with Multi-location retailers needing unified payment processing across store locations, Mobile businesses like food trucks, contractors, and delivery services requiring on-the-go payment acceptance, E-commerce businesses seeking hosted payment solutions without managing sensitive card data, Restaurants and retail shops wanting both traditional terminals and tableside/mobile tablet processing.

What are the strengths and weaknesses of TSYS Merchant Solutions?

Key strengths: Multiple payment acceptance channels: traditional POS, mobile, website, and virtual terminals for flexibility; Supports all major card types including MasterCard, Visa, Discover, American Express, debit cards, and PIN-based transactions; MultiPASS gateway with API support for developers and hosted payment page options for non-developers. Areas to consider: Website content does not provide specific pricing information, making rate comparison difficult for merchants; Contract terms and termination fee details are mentioned but not fully explained in the available content.

How does TSYS Merchant Solutions compare to similar companies?

In the Business Loans category, comparable providers include Accompany Capital, Apex Capital Corp, Kafene. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1601 Dodge St, Omaha, NE 68102
BBB Accredited
No
Visit TSYS Merchant Solutions

CreditDoc Profile Note

Research Note on TSYS Merchant Solutions

TSYS Merchant Solutions is profile signals for established businesses requiring comprehensive, multi-channel payment processing across multiple locations or business models. The main caveat is that specific pricing information is not available on this review page, and merchants must request quotes to evaluate cost competitiveness compared to alternatives.

Profile Signals

  • Multi-location retailers needing unified payment processing across store locations
  • Mobile businesses like food trucks, contractors, and delivery services requiring on-the-go payment acceptance
  • E-commerce businesses seeking hosted payment solutions without managing sensitive card data
  • Restaurants and retail shops wanting both traditional terminals and tableside/mobile tablet processing
Updated 2026-05-08

Similar Companies

Accompany Capital logo

Accompany Capital

Accompany Capital is a New York-based CDFI providing affordable small business loans, financial training, and capacity-building services to underserved entrepreneurs, refugees, and women business owners for over 20 years.

4.5/5

Google rating from 16 reviews

BBB: NR

Profile signals: Immigrant and refugee entrepreneurs in New York seeking affordable business loans with cultural competency and business training support, Women small business owners in New York who want targeted financing and networking with other female entrepreneurs

View Details
Apex Capital Corp logo

Apex Capital Corp

Invoice factoring company specializing in freight and trucking since 1995, offering same-day to 24/7/365 funding for qualified business clients.

4.7/5

Google rating from 727 reviews

BBB: NR

Profile signals: Owner-operators and trucking companies researching short-term cash access flow against freight invoices, Freight brokers, oilfield service companies, and construction firms with recurring invoice income

View Details
Kafene logo

Kafene

Kafene is a lease-to-own financing platform that helps merchants approve customers across all credit profiles for furniture, appliances, and other goods up to $5,000.

4.7/5

Google rating from 1,581 reviews

BBB: NR

Profile signals: Merchants (furniture stores, appliance retailers, electronics shops) seeking to increase sales conversion among subprime and no-credit customers, Customers with poor or no credit history who need immediate access to furniture or appliances with flexible payments

View Details

Compare Your Needs With TSYS Merchant Solutions

Answer 3 quick questions to review category, service, and profile context.

1. What's your primary financial goal?

Related Questions

View all
Do consumers may need good credit for an SBA loan? Do merchant cash advance report to credit? Do immigrants get free business loans? Can you refinance an equipment loan?

Quick Summary

  • TSYS Merchant Solutions is listed as a Business Loans provider in Omaha, NE on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

Financial Wellness Guides

What Your Credit Score Actually Means: Number-by-Number Breakdown

A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.

Read guide →

What You Qualify For at Every Credit Score Range (2026)

A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.

Read guide →

How to Check Your Credit Score for Free Without Hurting It

Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.

Read guide →

Free Credit Fundamentals Course

Learn how credit scores work, how to dispute errors, and build credit from scratch. 10 modules, zero cost.

Borrowing Power Quiz

Find out how much you could borrow in 60 seconds. Free, private, no credit impact.
Financial Terms Explained (7 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.

Why it matters

Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.

Example

You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.

Interest Rate

The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.

Why it matters

Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.

Example

On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.

How Loans Work

Cosigner — Loan Cosigner

A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.

Why it matters

Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.

Example

A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.

Loan Term (Tenor) — Loan Term / Tenor

How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.

Why it matters

Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.

Example

Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.

Origination Fee — Loan Origination Fee

A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.

Why it matters

Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.

Example

You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.

Principal — Loan Principal

The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.

Why it matters

Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.

Example

You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.

Underwriting — Loan Underwriting

The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.

Why it matters

Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.

Example

You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

Affiliate Disclosure: CreditDoc may earn a commission when you click links to TSYS Merchant Solutions and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.