Complete Merchant Solutions

Financial Services78% confidence

Complete Merchant Solutions (now operating under the Nexio brand) is a U.S.-based payment technology company and merchant acquirer that provides credit card and ACH payment processing for businesses.

Orem, Utah, United States
cmsonline.com

About Complete Merchant Solutions

Complete Merchant Solutions (CMS), now branded as Nexio, is a full‑service electronic payments provider that offers merchant accounts, payment processing, and related technology to businesses across many industries, including retail, e‑commerce, healthcare, hospitality, and professional services. The company provides gateway services, integrated POS solutions, terminals, e‑commerce integrations, tokenization, and fraud and security tools to help merchants accept major credit and debit cards as well as ACH and other non‑cash payment methods.([completemerchantsolutions.attachments10.freshdesk.com](https://completemerchantsolutions.attachments10.freshdesk.com/data/helpdesk/attachments/production/36067233387/original/Merchant%20Handbook%20.pdf?Expires=1774113467&Key-Pair-Id=APKAJ7JARUX3F6RQIXLA&Signature=iIJzpSJCbRetCKn-bd-tIuWrTJLVYoq2ua5npFDvewJfcJXJXH7oJPC9bjRCCrPW7YCmTsh2oGk6nJhjJn2JnIYjKZ4BdkdoRqfu1xzNpmP4T9evLdPLjAVnaLCyLpzJwx0P0rkH7FQVUpA-IoYcNrsyrlW40jqicD0pMonjYoi46aUM8CKdvvouraY7kmlHA-knhJ2omNFFIk3yRylbjX8mBAlett8xXBM6FDvO1oFCkPg1g1Ivad-4W70eWZZVOG~~8FgaDyptr6EWetlMqxA6UMqqWp4ZCI51GoimSD7Y1Z3zHGYLY5cZO~Sc6cyDhEYgWl6-i1rqSFarD19a3A__&response-content-disposition=attachment&response-content-type=application%2Fpdf&utm_source=openai))

A charge appearing as "Merchant Solns" (or similar truncations like "Complete Merchant Solns") on a card statement is often related to payment processing run through Complete Merchant Solutions/Nexio rather than a purchase directly from CMS itself. In many cases, CMS is the back‑end processor for another business where you made a purchase; the descriptor can therefore show CMS or an abbreviated form like "Merchant Solns" instead of, or in addition to, the merchant’s storefront name. Such charges may represent one‑time card transactions, recurring subscription billing, or settlement of prior authorizations initiated through a merchant that uses CMS as its payment processor.([manuals.plus](https://manuals.plus/m/3145626bab496c3d65f48e594ccbc7cf5d009d3db830b681447aef372bbd28be.pdf?utm_source=openai))

If you have questions about a charge, the best first step is to match the date and amount with your receipts or email confirmations from any merchants you used around that time. Because CMS is a processor, you’ll typically need to work first with the business that sold you the product or service; however, CMS/Nexio maintains customer support and risk teams that can help merchants trace transactions and, in some cases, help identify the underlying merchant. Contact information, including phone numbers and support email addresses, is published in CMS merchant handbooks and on its websites, and you can also ask your card‑issuing bank to provide any extended descriptor details that identify the underlying merchant if the statement line only shows "Merchant Solns."([completemerchantsolutions.attachments10.freshdesk.com](https://completemerchantsolutions.attachments10.freshdesk.com/data/helpdesk/attachments/production/36067233218/original/CMS%20Merchant%20Handbook.pdf?Expires=1780585382&Key-Pair-Id=APKAJ7JARUX3F6RQIXLA&Signature=QHKXO~GvrVqfWr2EbwiskecZIBjRDEQRllCxJcRJ3maeMWnlTQK-Xj05PNfjl1fUoA1MmDNeeFy1uTh051udT8D7CzTh-l4iKbheKK8JGu6OHDS4yRoZdEew2UDwZnAR-iG6usxDv700hAenSYAi1MCd6T8A4GWJrx0fnhxkueZRaQh4SLEXAIJL6Hm6x0~9dMXQ1sBrgyW7kt-ItfVR20~Oo4DYrJ0hKN3g9Ec6uEOAZ-t-C-V8amz7Py1awG-zK~~LsSdEk-BAzz1L-N-A7NOO~JLUgdhNlO~7yPU22Nx0P6XID5EzdPryGw5cAvl3kCKMjNZw-ul2YGfya7VvxQ__&response-content-disposition=attachment&response-content-type=application%2Fpdf&utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Complete Merchant Solutions.

  1. Merchant Solns

Frequently Asked Questions

Why does my card statement show a charge from "Merchant Solns" or "Complete Merchant Solns"?

Those abbreviations typically refer to Complete Merchant Solutions (CMS), a payment processor now operating as Nexio. Many businesses use CMS/Nexio on the back end to run card transactions, so your statement may show a descriptor like "Merchant Solns" rather than the storefront name of the business where you actually made the purchase.

How can I figure out which business used Complete Merchant Solutions to bill my card?

Compare the date and amount of the "Merchant Solns" charge with your recent receipts and email confirmations. If it’s not obvious, call the customer service number on your card and ask for the full transaction descriptor; CMS/Nexio descriptors often contain an internal merchant ID or business name that your bank can see even if it’s truncated on your statement. Once you know the underlying merchant, contact that business directly for details or refunds.

Can I contact Complete Merchant Solutions/Nexio directly about a specific charge?

CMS/Nexio primarily supports the merchants (businesses) rather than cardholders, but if you are a business customer you can contact them via the phone numbers and support emails listed in the CMS Merchant Handbook or on cmsonline.com/nex.io. If you’re a cardholder, it’s usually faster to work through your bank or the merchant that sold you the goods or services, as they can access the CMS portal and transaction records on your behalf.

Are recurring or subscription charges ever billed through Complete Merchant Solutions?

Yes. Many merchants run recurring payments—such as memberships, software subscriptions, or installment plans—through CMS/Nexio’s gateway. On your statement these may appear with a recurring pattern (same amount each month or year) and a descriptor including "Merchant Solns" or a shortened version of the merchant’s name. Check any services you’ve authorized for recurring billing around the date of the charge.

Does Complete Merchant Solutions place temporary authorizations or small test charges?

Merchants using CMS/Nexio can run card authorizations, which may appear as pending transactions or holds on your account. These are often small amounts or the full ticket amount and should drop off or convert to a final sale within a few days, depending on the merchant’s settlement practices and your bank’s policies. If an authorization remains pending unusually long, contact your bank to confirm its status.

How do businesses cancel or update their services with Complete Merchant Solutions?

Merchants who have a CMS/Nexio account must contact CMS directly—usually through their sales representative or by calling the support numbers and emails listed in the CMS Merchant Handbook—to request account changes, pricing updates, or closure. CMS may require written confirmation and settlement of any outstanding fees or reserves before fully closing the merchant account.

How are refunds handled for transactions processed by Complete Merchant Solutions?

Refunds are initiated by the underlying merchant through their CMS/Nexio portal or integrated system. Once the merchant submits the refund, CMS/Nexio sends it through the card networks to your bank. It can take several business days before the credit appears on your card, depending on your bank. If you’re a cardholder waiting on a refund, confirm first with the merchant that it has been processed, then check with your bank if you don’t see it after 7–10 days.

What should I do if I believe a "Merchant Solns" charge is fraudulent or unauthorized?

If you don’t recognize the charge after checking your recent purchases, contact your card‑issuing bank immediately using the number on the back of your card. Ask them to provide full descriptor details and, if it still appears unauthorized, file a dispute. Your bank will investigate and may interact with the merchant and CMS/Nexio as needed through the card network’s chargeback process.

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