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Yowza Merchant Review

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PROS / Yowza Merchant has one of the lowest flat swiped rates of processors we reviewed.

CONS / You don't receive a card reader until you make your first monthly payment.

 VERDICT / Yowza Merchant has low rates but charges a monthly fee. It also lacks many customer service features.

Yowza Merchant is a mobile credit card processor based in Scottsdale, Arizona, owned by Spindle. In addition to mobile processing, Yowza offers online processing, a cloud point of sale (POS) and virtual terminals. As a mobile processor, Yowza has low rates but is missing the quality customer service we look for in a processing company.

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After signing up for an account with this company, you have to make your first monthly payment before you can receive your free mobile swiper. You're charged for any additional card readers you may need. Yowza now also has an EMV-compliant mobile card reader available for its merchants.

Yowza has two levels of verification. The first requires personal and business information and limits your processing to $4,000 every 30 days. Level 2 verification requires you to submit a bank statement but then allows you to process up to $10,000 every month.

Yowza offers very low processing rates, including a flat swiped rate of 1.75 percent and a $0.25 per-transaction fee. Keyed-in cards are processed at 2.89 percent and a $0.25 per-transaction fee applies. American Express cards are processed at a 3.50 percent with a $0.25 per-transaction fee.

This processor charges a monthly fee of $9.99. Most of the purely mobile processors we reviewed don't charge this fee, but it's common with those that offer standard processing solutions.

We rate every processor we review on transparency and consistency. Yowza fell in our scoring because it doesn't post its terms online, although its fees and pricing information are available on its website.

Applying for Yowza is simple and can be done online. You must go through multiple verification steps, but you can begin processing on the same day you apply. If you need to begin accepting credit cards immediately, you have to process at the higher keyed-in rate until your swiper arrives. One drawback of Yowza Merchant is that it can take up to five days for your funds to be deposited into your bank account, which is one of the longest wait times our reviewers saw.

This processor lacks many of the customer service qualities we look for. It doesn't have 24/7 phone support, a dedicated account rep or an online knowledgebase. Email is the best way to contact Yowza, and we found that it can take a while to hear back from the customer service representatives, but when they reply, they provide helpful information.


Yowza Merchant has low rates, especially its flat swiped rate, and it's easy to apply for an account with this company. However, it charges a monthly fee and lacks some of the customer service features that the best mobile credit card processors provide.

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