Processor Directory > Merchant One
Merchant One Review
Merchant One caters to all sizes and types of businesses throughout the US. The company currently serves over 100,000 clients and offers deals for those who are in the market to switch processors. In this Merchant One review and profile we will look at the services they provide and reputation they hold.
- What payment services does Merchant One offer clients?
- What kind of equipment or security does Merchant One offer?
- Merchant One Rates and Fees
- Merchant One Reviews and Online Reputation
What payment services does Merchant One offer clients?
Merchant One provides a variety of payment processing services including face-to-face swipe transactions, mail and phone order transactions, eCommerce, and options for wireless or mobile transactions.
Face-to-Face
With Merchant One, you can accept all major brands of credit cards. Retail accounts are promised benefits including a state of the art terminal, gift and loyalty card programs, text message marketing campaigns, customer management database, check processing services, and 24/7 support.
Mail and Phone Order
Mail and Telephone (card not present) transactions are offered free account setup, 24 hour support, next day funding, and complete fraud protection.
Ecommerce
Merchant One states that client’s accounts can be easily plugged in to any website and integrate with the checkout system. They offer virtual terminals, a free shopping cart, online account manager, online remote accessibility, gift and loyalty programs, integration support, check processing services, and 24/7 support.
Mobile and Wireless
For those who need the ability to accept payments on the road or in other locations, Merchant One offers mobile processing solutions with wireless credit card terminals or smartphones. Wireless terminal swipe rates start at 0.29%, but be aware that this may not be the fully disclosed price and there could be additional charges.
Wireless terminals also boast complete fraud protection, and next day funding. Mobile benefits include signature capture feature, credit card swiper add-on, printer add-on, and complete back-end office.
Cash Advance
Merchant One offers funding for working capital if your business needs it. Not much information is disclosed except they boast no setup fee or upfront points, no collateral required, bad credit accepted, and claim a quick and easy application process. Keep in mind that merchant cash advances are often expensive.
What kind of equipment or security does Merchant One offer?
Merchant One does not offer information about the equipment or security features it offers. It does state that it offers assistance with PCI compliance, however.
Merchant One Rates and Fees
Other than stating the lowest rate it processes mobile swipe transactions at (0.29%), Merchant One does not offer any further information about rates, or even what mobile transactions that rate applies to. To get a fully disclosed quote from Merchant One, request a quote through CardFellow.
CardFellow allows you to safely request quotes from multiple companies, so that you can avoid being hassled by sales people. There is no charge for using CardFellow, so for more information about who we are and what we do check out our about us section.
Merchant One Reviews
Merchant One, Inc. has been accredited with the Better Business Bureau since 2010 and currently boasts an A+ rating, the highest available. The company has had 52 complaints closed with the BBB in the past 3 years.
Complaints allege being told there were no contracts or cancellation fees but then being charged to cancel, unauthorized debits, high fees, hidden fees, held funds, and misleading sales practices. 2 negative customer reviews go on to say that they exaggerated how quickly funds would be deposited and generally have crooked, dishonest business practices.
Merchant One has 4 featured reviews on Yelp totaling a 1.0 star rating, the lowest it can go. They all echo the complaints and allegations from the BBB. Similarly there are nearly 2 pages of complaints on Ripoff Report ranging in dates from 2008 to 2014. 3 more reviews on Google are all 1 star, the lowest rating. Overall, the outcry of the internet seems to be that this company is misleading with its sales tactics and will leave you feeling like you were robbed.
SATISFACTION
RATES & FEES
CUSTOMER SERVICE
0/5
Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.
SATISFACTION
RATES & FEES
CUSTOMER SERVICE
2.6/5
Unlike verified reviews which are validated by CardFellow, web reviews can be submitted by anyone viewing this profile. While we validate these reviews as best we can, CardFellow does not verify that a reviewer is using or has used a processor's service.
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Posted by Jerry on Feb 12, 2023
SATISFACTION
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CUSTOMER SERVICE
1/5
absolute scam of a company. I inquired about using them, never used or even received a reader yet they started billing and continued to bill me. I call in many times to get it to stop and got "yes we will stop" and yet the billings continued. I eventually had to put in a stop order with bank. Total scam company. Caveat emptor
Posted by Nancy Abbott on Dec 12, 2022
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CUSTOMER SERVICE
5/5
Dawn [removed] was the most pleasant and patient customer service representative I believe I’ve ever had the pleasure of helping me. She was calm and cheerful the entire time she was solving my crazy issues. I hope I never need to use her services in the future, however, if I do I know she will make the experience a good one! 10 stars for Dawn!!!
Posted by david smith on Nov 10, 2021
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RATES & FEES
CUSTOMER SERVICE
1/5
Thankfully I only gave this company a chance on a new venture, and did not switch my main business to them. It was a test. Merchant one failed miserably! Promises are easy to make, but this outfit was unable to deliver on many fronts. Worst ever!! I took a chance. The low fees sounded promising, but from the start they added fees that the salesman did not disclose.
Posted by Gordon Beecher on Sep 21, 2021
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RATES & FEES
CUSTOMER SERVICE
1/5
My company is a current customer but in the process of replacing them. We went through underwriting, were onboarded, but it became apparent that they were trying to sell our account to a different company, and we were ignored. They wanted us to sign different contracts, all while assuring us that nothing would change. Our account manager never returned communications and even the director ignored our requests for communication. And yet they keep collecting fees.
Posted by Dan on Jul 14, 2021
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CUSTOMER SERVICE
1/5
Worst company to deal with ever. Got stuck with a hidden charge which was never mentioned before, would not reverse it so closed account and moved on and was charged again for another month since by the time I had found out about the first charge we were in the middle a second month ($72 charge). Considering taking them to court just for the satisfaction, will cost me more but for now need to let other people know that they need to avoid this company at all cost.
Posted by Raymond Faria on Jul 09, 2021
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CUSTOMER SERVICE
1/5
Worst company ever, I have been in business for 30 plus years with many business types. Merchant One is far the worst in service and telling you the truth. I can go on and on and on and on but I wont.
Posted by Benjamin Sipperly on Jan 21, 2021
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RATES & FEES
CUSTOMER SERVICE
1.3/5
Hands down the worst experience I have had with a company. The hidden fees and below poor customer service have been beyond painful. Here we are over a year later and I regret not leaving sooner.
Posted by Ayelet on Jun 11, 2020
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CUSTOMER SERVICE
5/5
The lowest rates & fastest service. I was up and running within a day and they walked me through the entire set up. They also gave me a mobile card reader that I can take tap to pay cards, so I don't have to touch people's cards!
Posted by ajs music on Mar 05, 2020
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CUSTOMER SERVICE
1/5
Disrespectful, unprofessional, and untrustworthy.
Posted by Sam Johnson on Jun 11, 2019
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CUSTOMER SERVICE
5/5
I needed a refund on an accidental double charge, and the Merchant One customer service person was super helpful and got my issue fixed.
