Our editorial staff evaluates products and services independently. But Top Ten Reviews may earn money when you click on links. Learn More


Flagship ROAMpay Merchant Services Review

Author by

PROS / Flagship ROAMpay provides a dedicated account rep to assist you.

CONS / This processor has a monthly minimum you must meet through your processing costs.

 VERDICT / Flagship ROAMpay has tiered pricing and high fees but offers excellent customer service.

Flagship ROAMpay is the mobile credit card processing branch of Flagship Merchant Services. This processor sets you up with a traditional merchant account and in addition to mobile processing, offers traditional retail and online processing. Flagship has tiered pricing with a low rate for swiped debit cards, which can be good for merchants that process a large amount of debit transactions. This processor has higher fees and lacks transparency but offers excellent customer service.

Flagship ROAMpay Merchant Services Get Quote

When you sign up for an account with Flagship, you receive a free swiper. At present, Flagship does not offer EMV compliant swipers and only offers EMV-ready wireless terminals that are prohibitively expensive, costing more than $500.

Flagship offers tiered rates to its merchants. The 0.38 percent for qualified debit cards is one of the lowest rates we saw. Non-qualified transactions are processed at a 1.98 percent rate. Credit card transactions have higher processing costs, 1.58 percent for qualified transactions and 3.56 percent for non-qualified. All transactions have an additional $0.19 per-transaction fee. While a flat rate is useful for businesses that process a lower volume of transactions each month, tiered pricing can benefit businesses that process a higher volume of transactions each month.

In addition to its processing costs, Flagship ROAMpay also charges a monthly fee of $7.95 and a yearly PCI-compliance fee of $99, and it requires you to generate a minimum of $25 in processing costs each month. These are higher expenses than many of the mobile processors we reviewed, and for that reason, this processor is best suited for businesses that process enough to benefit from its lower processing rates.

Flagship posts its terms online but doesn't provide information about its pricing and fees. We consider transparency of information important when looking for a mobile credit card processor. The best companies post complete information about their pricing and fees clearly on their websites. Flagship's website lacks this information.

You aren't required to sign a long-term contract with Flagship, which gives your business the flexibility to move on if it isn't meeting your needs. Setup time is quick, and you can begin processing the next day. You have to wait for your swiper to arrive to avoid paying higher non-qualified rates on keyed-in transactions. Funds are deposited within two days.

Flagship boasts excellent customer service, including a dedicated account rep and 24/7 phone support. If you value a personal touch with customer service, Flagship is a great choice to help you accept mobile credit card payments.


Flagship ROAMpay offers full-service merchant accounts with excellent customer service. This processor uses a tiered pricing plan that may be good if your business has a higher monthly processing volume. It has higher fees than many mobile credit card processors.

Flagship ROAMpay Merchant Services Get Quote