Advertiser Disclosure

Merchant One Review

See Top Picks

Merchant One Review

  • 18 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Taking $5,000 per month or less in card payments?

You’ll save with Square

Date Established
2002
Location
Miami Beach, FL
Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.



We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

Sources

To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.
Leave a comment

18 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    James Anderson

    Organization Name: 4J Hose and Supply

    Hidden Fees, Cancellation Charges, Undocumented Account Withdrawals, Hiding Invoices, and added software charges are all part of the MerchantOne experience. This company relies on businesses unable to do math, or calculate what there fees actually are. After weeks spent setting up the account, buying additional plugins for my website, etc I finally began accepting transactions. My first bank debit seemed high. After being unable to locate any invoice on my portal, I called the company. After a lengthy call hearing excuses and claims a charge was wrong and a credit would ‘probably’ be forthcoming, I calculated my transaction charges were over 4% with all the attached ‘fees’. I requested where to go to cancel, and the rep sent me a cancellation form. Never were any cancellation fees mentioned. The form did state a maximum fee of $295 would be charged for ‘inconvenience’. Kind of ridiculous, since they did not deliver on original claims of cost and no trial period. However, I signed and returned cutting my losses. A few weeks later I found an $850 debit from them on my bank account. I would advise anyone moving away from this company immediately cut off any access they have to your banking. When I attempted to login and ‘find’ an invoice for this, my access was no longer valid. DO NOT SIGN A CONTRACT. The company charges a $25 per month ‘inconvenience fee’ for remaining months if you terminate. Even if only after one month and their failure to provide services as sold. Unfortunately, my contract was three years. This was not communicated to me when I requested cancellation (although I doubt I would have changed my mind). Their advertised 1.9% processing fees turned into 4% plus an $850 cancellation fee after just one month of service. This does not include cost of plugins, etc to make their system work with your website.DO NOT USE THIS COMPANY! There are more trust worthy choices available.

    1
    • Organization Name: 4J Hose and Supply
    Lee Lackland

    Organization Name: AJ’S

    This place is a scam!! They’ve been holding my funds since the beginning of the year!! Tried to extort me for a large portion and when I didn’t give in they kept it!! Do not!! Do not!! Go here!! This place should be shut down and boycotted!!

    1
    • Organization Name: AJ’S
    Lenny

    Organization Name: Lenny’s Pizza

    Been using Merchant One now for 8 years, great service great prices. Always there to help if needed. We are opening another store and Merchant One was there with all the help we needed.

    5
    • Organization Name: Lenny’s Pizza

    This comment refers to an earlier version of this review and may be outdated.

    Ron Johnson

    Organization Name: Cauda Pavonis Jewelry

    I highly recommend to anyone not to do business with this company. They are not only very incompetent and they will lie to you just to get you to do business with them.

    1
    • Organization Name: Cauda Pavonis Jewelry

    This comment refers to an earlier version of this review and may be outdated.

    Jeanette Henderson

    I am with you guys. I just signed up with them on December 17, 2018 and they have taken money out of my account. They also marked that I received equipment that I don’t need and never received. I am going to cancel immediately and would definitely be in for a class action suit. Please let me know if you find an attorney.

      This comment refers to an earlier version of this review and may be outdated.

      jamie eckelbarger

      Organization Name: Eckelbarger construction

      This company approved my account said p i compliance is free I ran a customer card and was told it was fradulent. So they closed my account and cleaned out my bank account never ever mess with these jokers I will be going to Florida this fall and pay them a visit. Run like hell they are fraudulent! !!!!! There only on treat was to gain access to my bank account. They need shut down asap!!!!!#crooks

      • Organization Name: Eckelbarger construction

      This comment refers to an earlier version of this review and may be outdated.

      Jason Gravelle

      When I contacted them I was VERY clear in both recorded conversations as well as email that I wanted to know ALL the fees I would be charged. They assured me I would be charged $6 per month for the account, and either 2 or 3 percent depending on the card. What they don’t tell you is that there are minimums that must be met with them. We kept getting bills when there were no CC processes being ran. When I called to complain they just offered to see if they could reduce the charges. This is a bait and switch company. DO NOT SIGN UP WITH THEM!

      1

        This comment refers to an earlier version of this review and may be outdated.

        Zack

        So, you could be paying $295 or more to cancel your account.

        I think you mean you can pay up to $295 to cancel your account.

        : }

          This comment refers to an earlier version of this review and may be outdated.

          Amad Ebrahimi

          Not exactly Zack. It depends on how many locations you have.

            This comment refers to an earlier version of this review and may be outdated.

            Sandro Mathieu

            I almost never see my hard earn cash deposited ,this makes me very and extremely angry. Iam considering contacting the fbi for possible funds kept illegally withheld with the knowledge that customers will not take notice but they do.

              This comment refers to an earlier version of this review and may be outdated.

              mark arnold

              I am having almost all the same issues as everyone else, plus that started charging extra for rewards cards, which I was told initially would not happen. I am all in on class action. They need to be reported to the State Attorney’s office and they will straighten them out, or close them down. I am out to state for another two weeks but will following up on that as soon as I return.

              In the meantime I am using our social media resources to blast them as everyone should be warned and will be reporting them to every consumer advocacy company I can.

                This comment refers to an earlier version of this review and may be outdated.

                Jim Kiesel

                Run Run like you hair is on fire from these guys, 3 stars boy I would have trouble giving them 1 they are sneaky. We never had a completed contract and they started charging us $25.00 a month without a completed contract. It is this type of business practice that will get you !35 complaints in no time.

                Just Run and be happy you saved the time and money of not being caught in their trap.

                  This comment refers to an earlier version of this review and may be outdated.

                  Drew Horn

                  Merchant One is misleading! I signed up with them two years ago, only to find they capped the transaction dollar amount on purchases, which hurt us dearly due to our high ticket sales. Also they raised our interest rate about 5 times during the year “due to higher interchange rates”…. So the advertised rate didn’t last long. Also their statement fees, yearly $99 account fee, and PCI and monthly fees were exhorbitant. They hold you hostage to a three year agreement, and if you cancel early, (which I just did) they say they charge you $25 a month for every month left on your contract. However, if this amount is less than $295 then they charge you the greater amount. So it has cost me $425 to get out of my account this year. DO NOT RECOMMEND!

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    Amanda Lavi

                    I am in the process of trying to cancel my service with Merchant One. Most of the fees are very clear on the application but the kicker comes with the three year term that is buried in the so called “Program Guide” and the one line of the application that says the Program Guide is part of the agreement. Buried on page 35 is the actual language. Obviously you need to read everything you are signing but if they can put every fee on the one page application I have a feeling they can disclose a three year term clearly on the application as well. They also hype the “one day approval” which is done over the phone and through e-mail so you don’t get a copy of the Program Guide to read through until after you have signed up right? Not according to them! The have a single sentence on the application that directs you to a web page to read the 38 page “guide”. It’s so blatantly obvious that they are trying to dupe people. If it was called “Contract Terms” or “Agreement Terms” you better believe people would be reading it. And come on…38 pages? I got taken in but hopefully after reading this you review you won’t. Good luck and run far from this processor. I won’t even go into the repeated rate raises and the lousy customer service. Its just all part of the whole rotten package.

                      This comment refers to an earlier version of this review and may be outdated.

                      Manuel Darocha

                      I have been with this company for 4 years. On multiple occasions, they have failed to post transactions on to my account. I had to search for these transactions my self ad they were “suspend mode” as they called it. Additionally, last January I made a mistake on a transaction wich was later cancelled and they charged my account $900.00. Additionally the 1099 form listed this cancelled transaction as as sale and I had to reported to IRS . Do not do any business with this company! You will regret it!!

                      2

                        This comment refers to an earlier version of this review and may be outdated.

                        Kevin Barwick

                        I signed a contract in February 2011. I was verbally told that I was on a month-to-month contract. Besides having frustrations with all the hidden and extemporaneous fees, they were not responsive to my need for them to own up to a mistake they made regarding PCI Compliance.

                        After several months of being charged $24.50/month for me allegedly being non-compliant with PCI regs, I called Merchant One to get this cleared up. The rep arranged a conference call with Control Scan. CS and Merchant One admitted they made a mistake in how it was inputted, i.e. absolving me of any negligence. Although I had been compliant from the beginning, Merchant One chose to not refund me for any of the months, but one. My five calls to them never transpired into any help toward me.

                        I thus decided to cancel my contract with Merchant One. I signed the cancellation notice. When I found a $295 charge on my checking account I called once again. They said that there was a three-year contract to which I originally signed. I was never told about a three-year contract, nor was I sent their Program Guide stipulating this policy.

                        A Merchant One supervisor refused to refund me the cancellation fee, leaning on the fact that I signed an original contract (which indicated only the “possibility” of an early termination fee). I felt as if I wasn’t heard nor respected by the “Customer Service” reps.

                        I would not recommend Merchant One for any small business needs!

                          This comment refers to an earlier version of this review and may be outdated.

                          Think

                          I don’t have their service, I don’t and have never worked for them in any way and I don’t understand how you, who act as though you are the “know it all” concerning Credit Card Company’s can be so incompetent. This company has exploded with customers because of the service and low fees they provide.

                          You say a whopping 139 complaints. Do you not do your homework? Do you not live in the real world? Why haven’t you checked to see how many customers they have? Would 139 compliants be “whopping” if they have 30,000 customers, 40,000, 50,000, 60,000 or more.

                          Come on!! Wake up, before you start posting just wreckless comments, without doing your research!! I mean really. I have read other reviews you have posted and you just spew your venom about company’s you know absolutely nothing about because you don’t take the time to fully research the company!

                          Think about how much damage you are doing to companys by posting such uninformed information. Some people actually believe everything you say without doing their research either!

                            This comment refers to an earlier version of this review and may be outdated.

                            Merchant Maverick Admin

                            I do look at the complaint to customer ratio. There are plenty of other companies that have just as many customers and not nearly as many complaints as Merchant One.

                              This comment refers to an earlier version of this review and may be outdated.

                            Leave a Reply

                            Your email address will not be published. Required fields are marked *

                            Your Review

                            Comment moderation is enabled. Your comment may take some time to appear.
                            Please read the "User Review and Comment Policy" before posting.

                            Share

                            Featured Offer: We Recommend QuickBooks 🎉

                            Get 70% QuickBooks Online for a limited time!

                            Take it for a spin with a free trial.

                            Try QuickBooks Today

                            We Recommend Fattmerchant 🏆

                            Fattmerchant is one of our top picks for credit card processing!

                             

                             

                            We love Fattmerchant's predictable pricing and excellent service.
                            PROMO: Get your first month for just $5 and get your first $5,000 in processing for free. Valid until end of November.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Brex Corporate Card for Startups 🏆

                            Brex Corporate Card for Startups is one of our top picks for business credit cards!

                             

                             

                            For a limited time get 50,000 rewards points when you spend $1000 with Brex.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Fattmerchant 🏆

                            Fattmerchant is one of our top picks for credit card processing!

                             

                             

                            We love Fattmerchant's predictable pricing and excellent service.
                            PROMO: Get your first month for just $5 and get your first $5,000 in processing for free. Valid until end of November.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Fattmerchant 🏆

                            Fattmerchant is one of our top picks for credit card processing!

                             

                             

                            We love Fattmerchant's predictable pricing and excellent service.
                            PROMO: Get your first month for just $5 and get your first $5,000 in processing for free. Valid until end of November.

                            Get Started

                            Get started with no commitment today.

                            ⭐️ Featured Promo! ⭐️

                            Sign up now and qualify for a limited time deal!

                            Standard Plan: One month free ($29.95 value)
                            Plus Plan: Two months free ($159.90 value)
                            Pro Plan: Three months free ($899.85 value)

                            Learn More

                            At BigCommerce

                            We Recommend Fattmerchant 🏆

                            Fattmerchant is one of our top picks for credit card processing!

                             

                             

                            We love Fattmerchant's predictable pricing and excellent service.
                            PROMO: Get your first month for just $5 and get your first $5,000 in processing for free. Valid until end of November.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Helcim 🏆

                            Helcim is one of our top picks for payment processing!

                             

                             

                            Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. Get three months free when you sign up with Helcim through our links!

                            Get Started

                            Get started with no commitment today.

                            We Recommend PaymentCloud 🏆

                            PaymentCloud is one of our top picks for credit card processing!

                             

                             

                            We love PaymentCloud's predictable pricing and excellent service.

                            Get Started

                            Get started with no commitment today.

                            We Recommend OnDeck 🏆

                            OnDeck is one of our top picks for Business Loans!

                             

                             

                            OnDeck is our featured vendor for business loans and lines of credit. If you have at least one year in business, a personal credit score of 600 or higher, and $100K in annual revenue, OnDeck is ready to help your business get funded.

                            Get Started

                            Get started with no commitment today.

                            We Recommend ADP Payroll 🏆

                            ADP Payroll is one of our top picks for Payroll Software!

                             

                             

                            Our reviewers like ADP Payroll for its advanced employee management, strong payroll features, and great customer support.👍

                            For a limited time, get three months free when you sign up via our links!

                            Get Started

                            Get started with no commitment today.

                            We Recommend Lightspeed POS 🏆

                            Lightspeed POS is one of our top picks for Point of Sale!

                             

                             

                            We highly recommend Lightspeed POS for small businesses looking for a feature-rich, tablet-based point of sale system. PROMO: Save up to $1,000 when you sign up by November 30th.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Fundera 🏆

                            Fundera is one of our top picks for SBA loans!

                             

                             

                            Fundera is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find SBA 7(a)loans alongside other financing options.

                            Get Started

                            Get started with no commitment today.

                            We Recommend ShippingEasy 🏆

                            ShippingEasy is one of our top picks for shipping software!

                             

                             

                            ShippingEasy got a 5-star review from our team. Get a 30-day free trial to access discounted USPS and UPS shipping rates and print labels in no time. No credit card required.

                            Get Started

                            Get started with no commitment today.

                            We Recommend Square POS 🏆

                            Square POS is one of our top picks for Point of Sale!

                             

                             

                            Square is free to use and currently includes a free card reader at sign-up!

                            No credit card is required to create your account.

                            Get Started

                            Get started with no commitment today.


                             

                            Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                            We Highly Recommend Merchant One 🏆

                            Merchant One is one of our top picks for credit card processing!

                            We love Merchant One's predictable pricing and excellent service.

                            Their standard offer has no early termination fee and no junk fees. 👍

                            Learn More At Merchant One

                            Sign up for the Maverick Newsletter

                            • We occasionally send out emails with special offers.