Merchant One

Merchant One
  • Editor Rating

  • Rated 2.5 stars
  • OK

  • Merchant One
  • Reviewed by:
  • Published on:
  • Last modified: August 18, 2015
  • Disclaimer

Review Summary:

While introductory rates were fairly competitive, in no way were they impressive enough that we recommend rushing to sign up with this company.

Merchant One is a company that claims to pride itself on customer service. Unfortunately the voice of their customers speaks to a different narrative and have flooded the BBB over the past few months with complaints.

Typical complaints include:

  • Poor/Very Poor Customer Service
  • High PCI Compliance Fee (Not Disclosed During the Sign Up Process)
  • Cancellation Fee (Not Disclosed During the Sign Up Process)
  • Misrepresentation of contract length. The Cancellation/Termination fee when it was disclosed was often said to be a 1 year contract when their standard contract is actually 3 years in length (typically noted in Section 23 of their full contract)

Before You Sign A Contract!

We recommend that all merchants speak with at least 2 processors before signing their contract. Why?…

First – You should feel comfortable with the sales representative, if you’re feeling pressure on the call or feel as though you are not a focus, it’s unlikely your experience will improve after signing your contract!

Second – Be wary of introductory rates (specifically qualified rates) in the initial pitch – each business is unique and the rates/fees that will actually save your business the most, are only available once the sales representative has learned about your business.

We currently have Cayan listed as our top ranked merchant service provider. However if they do not fit your needs, you can look through our full list of processors and find the one that is right for your business here.

Customer Service is only one factor in the rankings however they were also unable to make a great impression in any category.

While introductory rates were fairly competitive they were in no way impressive numbers that made us turn our heads. While often this can be a good indication of a company with few surprises later on, as the comments on the BBB and RipOff Report claim this is not the case.

About author

SMB Reviews
SMB Reviews 473 posts

SMBReviews is committed to providing small and mid-sized business owners with the information and resources they need to select the best service or product for their company.

Editor review

Customer Service



While introductory rates were fairly competitive, in no way were they impressive enough that we recommend rushing to sign up with this company.

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