SunTrust Merchant Services vs Fattmerchant

business credit card

In a confusing industry like merchant services, it’s hard to separate the good and bad. Don’t let the big banks fool you! With a large conglomerate merchant account company, you could easily get cheated out of some key services your business could benefit from. In this article, we’re going to compare one very well-known conglomerate bank payment processor, SunTrust Merchant Services, to Fattmerchant.

See our full comparison of major credit card processors here.

SunTrust Merchant Services is a credit card processing division of SunTrust Bank. They provide U.S. merchants with merchant accounts – including debit, credit, EBT, and gift card processing. They offer point of sale terminals, phone, eCommerce, mobile processing solutions for iOS and Android devices.

It’s important to note that SunTrust, along with many other major bank merchant services, resells First Data merchant services. This means you’ll be paying fees and charges from both SunTrust and First Data, depending on the services you receive.

Here’s a summary of SunTrust Merchant services:

  • Customer support only available Monday-Friday
  • Third-party payment gateway (First Data)
  • eCommerce platform support and integration through Clover
  • Mobile payments available with Clover Flex and Clover Go solutions
  • Clover and First Data terminals available.
  • Fraud protection tools
  • Encryption and tokenization
  • Online, mobile, in-store processing options


Fattmerchant is a subscription-based merchant service provider with total transparency when it comes to credit card processing. As one of the top merchant service companies in the nation, Fattmerchant gives all merchants access to direct cost processing with 0% markups, no contracts, and no hidden fees.

Here are some fees you’ll never see from Fattmerchant:

  • No termination fee
  • No customer service fee
  • No statement fee
  • No IRS fee
  • No batch fee
  • No annual fee
  • No contract fee
  • No PCI compliance fee

Fattmerchant commits to never profiting off your company’s success. This means your monthly subscription won’t change – no matter how successful your business is. Our Omni platform is fully integrated to give you a truly all-in-one payment experience, so you can make business decisions faster than ever before. And with over 200 software integrations available, there’s no limit to what you can do with Fattmerchant.

Here’s a quick summary of Fattmerchant:

  • No contract
  • Quick setup
  • No hidden fees
  • Customer support available through live chat, email, phone, and a self-serve knowledgebase
  • Flat monthly membership
  • Invoicing and recurring billing
  • Data and analytics dashboard through Omni
  • Next day funding
  • eCommerce payment processing

There’s no contract and no termination fee, so you’re not locked in to a contract for years on end. And on average, our customers save $513 a month! Plus, you’ll have access to a suite of intuitive, cutting-edge business tools through the Omni platform, including data and analytics.

Request a demo and see what Omni can do for your business!

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