About Leaders

Category: Merchant Services
Leaders Merchant Services offer competitive rates for your credit card processing needs and a wide variety of credit card terminals. They have 24/7/365 support to ensure merchant satisfaction and rapid problem resolution.

Company: Leaders

Leaders Merchant Services is a California-based company that specializes in credit and debit card processing for companies of all sizes. Leaders serve thousands of merchants in all fifty states. Leaders are one of the fastest-growing payment providers of credit and debit card-based transactions in the country.

In-Depth Analysis

0 Overall
Price 3.0
Ease Of Use 4.0
Features 3.5
Support 4.0


  • Transparency regarding features
  • Clover POS systems available for purchase
  • Works with high-risk merchants


  • Early termination fee of $250-$350
  • Unclear pricing
  • Online complaints

Leaders Comparisons

Plans & Pricing

Leaders Merchant Services isn’t very transparent when it comes to its pricing. That’s because Leaders use independent agents to sell their merchant services. Each agent gets to set their own fees, so it depends on who sells it to you. However, that means you might be able to shop around a bit and even negotiate your pricing. Still, Leaders mandate a three-year contract. If you want to cancel, you have to pay the $250-$350 cancellation fee.


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  • Swiped/Keyed charges: 1%-4.99%
  • Virtual terminal charges: 2.9%+$0.30/transaction.

Other fees include:

  • PCI Compliance fee: $129/year
  • PCI non-compliance fee: $40/month
  • Payment gateway fee: $25
  • Statement/customer service fee: $10
  • Monthly minimum fee: $25
  • Monthly service fee: $7.95
  • Chargeback fee: $35
  • Batch fee: $0.15

Many of these numbers are approximations based on research. Leaders don’t provide many dollar amounts for anything on their website.

Ease of Use

Leaders Merchant Services sells a wide range of hardware products, most of which are known for their ease of setup and use. Leaders also show what some of their features look like before you even buy. Thus, you can get a glimpse of it without spending any money.

Customer Support

Leaders offer 24/7 tech support for any tech issues. However, some online reviews indicate the tech support may not be the most responsive. Fortunately, you can access numerous self-help resources there are some self-help resources, on the Leaders’ Resources page

24/7 Help & Support
24/7 Help & Support
Tech support available 24/7
Phone Support
Phone Support
You can contact Leaders tech support 24/7
Fill out Leaders’ contact form on its contact page.
Video Tutorials
Video Tutorials
There are a number of videos available on YouTube.
Leaders has a long FAQs page.
Features & Functionality
General Features

Contactless Payments

Contactless payment is a convenient (and sanitary, much more important given the pandemic) way to pay. Customers tap their smartphone against your terminal —or in some cases, merely hold it near the terminal —and you get paid. will do the trick.

Leaders support Apple Pay, Google Pay, and Samsung Pay, offering you a good amount of flexibility. Additionally, you can buy NFC (Near-Field Communications) terminals from Leaders.

Business Financing

Businesses find themselves short of cash, and nowhere was this more prevalent than during the pandemic. Yet at the same time, these businesses may be making plenty of sales, without the cash flow to keep the bills paid.

Merchant services providers often right this wrong by offering merchant cash advances (you get a fixed sum in exchange for a slice of your credit sales over a defined period) or standard business loans. Leaders do both. You can either get either a $5,000-$500,000 business cash advance or a business loan of up to $1 million. Leaders will review your current sales and estimate your future sales to determine funding numbers if you get a merchant cash advance.

CartManager Shopping Cart

Do you run an eCommerce business? Leaders might be a good choice for you, as it offers nice features like the CartManager Shopping Cart. This shopping cart lets you customize your order forms and checkout pages —add your branding and brand voice to personalize and humanize your business.

CartManager offers other benefits, like

  • Real-time shipping and sales tax calculations
  • Custom languages
  • Multiple payment methods
  • eBay compatibility

And more.

Integrations & Add-Ons

Leaders Merchant Services sells plenty of hardware to go with its payment processing. However, you can likely transfer over any PCI-compliant hardware from another processor, as long as the old processor didn’t lock it. If you go this route, Leaders’ tech/installation team will reprogram the device to work with Leaders

Leaders also integrate with Quickbooks through Instant Accept. Thanks to this integration, you can accept payments on devices that don’t have Quickbooks on them, then sync your transaction data later to streamline your bookkeeping.

  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Cash Transactions
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
Hardware & Software

Leaders give you a mobile card reader and free processing software as part of your contract with them. Beyond that, Leaders sells a range of hardware to accompany its payment processing services. Like with other merchant services providers, many of them are Clover PoS systems. Of course, you can also consider the other available devices, such as credit card terminals and check reading machines

  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
Pricing Options Automations
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Annual Subscription
  • One-Time License
Sales Channels
  • Instore Sales
  • Online Sales
  • Mobile Sales

Leaders Merchant Services could be a good choice for some. The service itself could be great, but Leaders simply isn’t that transparent about pricing —not to mention the three-year contract with $250-$350 early cancellation fee. Overall, Leaders can work. However, there are more competitively priced (and less restrictive) merchant services options on the market.

Bradley Schnitzer
Author: Bradley Schnitzer
Bradley Schnitzer helps businesses gain loyal customers through informative content pieces and persuasive copy. He is passionate about personal finance and helping budding freelancers further their careers.

Leaders User Reviews

Peter B
Facilities Services, 11-50 employees
Used for: 6-12 months
18 Sep - 2021

Leader's is a true leader in the world of MS

Leaders have been a great business choice for me! I can't imagine being with any other company. Although I had a few issues due to my unfamiliarity with the process, they were hands-on and the quickest responders to any issue. One of the best things about Leader's is that they always provide excellent instructions when needed!

Bill W
51-200 employees
Used for: 1-2 years
14 Sep - 2021

Leaders Merchant Services is the best!

Leaders Merchant Services is definitely the best processing company I have worked with.The whole application process was quick, easy and painless. I am paying low rates and when I have any questions about my billing statement/charges, their customer service team is professional and patient. I highly recommend Leaders!

Jerry M
11-50 employees
Used for: 6-12 months
02 Sep - 2021


Hidden fees, charges are not as agreed & no answers from the service.

Paul B
51-200 employees
Used for: 1-2 years
22 Sep - 2021

A Card Processing Company that has it all

A Card Processing Company With Everything I Was Looking For Finally a card processing company that has competitive rates and low fees. And deposits from transactions hit my account quickly. The few times I’ve needed to speak with customer service they’ve been very professional and helpful. Thank you, Leaders!

Supplements, 02-10 employees
Used for: 1-2 years
09 Mar - 2022


Cannot seem to get honest or informed answers to issues. They claim 24/7 365 customer service but it will take hours on the phone on hold and no solution.


OK pricing and willing to work with you.


Horrible customer service and questionable billing processes.