Overview
In this review of Merchant Advocate, we provide a detailed overview of the company's services aimed at reducing credit card processing fees for businesses. We will discuss the range of services offered, including fee audits, contract renegotiations, and ongoing monitoring. We will also identify the types of businesses that may benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. We will cover the company's pricing structure, contract terms, and the specifics of the services provided. By the end of this article, you will have a clear understanding of whether Merchant Advocate meets your needs for managing credit card processing fees.
About Merchant 1 Payments
Merchant 1 Payments is a merchant account provider headquartered in Concord, Ontario. Founded in 1999, the company provides Canadian merchant accounts as well as payment processing for U.S.-based businesses. The company provides Poynt as a POS solution to its merchants. It is worth noting that Merchant 1 Payments could potentially be confused with Merchant One in search results; however, these two entities are unrelated.
![](https://www.cardpaymentoptions.com/wp-content/uploads/2024/07/Merchant1Payments-homepage.webp)
Merchant 1 Payments Products and Services
Payment Processing
Merchant 1 Payments handles processing for all major debit and credit cards, catering to a wide range of business types. Their services include EMV card readers, POS systems, MOTO (mail order/telephone order) solutions, e-commerce options, data reporting and analytics, and wireless payments.
Mobile Payment Solutions
As smartphone usage for payments increases, merchant services companies often offer mobile payment solutions. These solutions enable businesses to accept payments anywhere and anytime.
Online Payment Gateways
For online businesses, merchant services companies typically provide online payment gateways. These gateways allow businesses to securely process transactions over the internet.
Point of Sale Systems
Modern point of sale (POS) systems are a standard offering, providing transaction processing along with inventory management, sales tracking, and valuable analytics.
Payam
Saved me money, and with minimal effort
Stephanie Greve
We have been partners with M1P for a year now and I have nothing but great things to say. From the savings to the PCI compliance being taken care of, our account manager, Robert, is amazing! I would highly recommend any business utilize M1P as their merchant services.
Karen Avery
Our company has been dealing with Merchant 1 payments for one year now and the service has been excellent.
Ashleigh Watkins
Amazing to deal with. Great customer service and went above and beyond to make our company feel welcomed. Robert Bauco was excellent and explained everything clearly. Definitely recommend Merchant 1 Payments!!
CPO
Hi Ashleigh,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Ashleigh Watkins
Aztec Landscaping Ltd
Grande Prairie, AB Canada
Renda A
Merchant 1 was wonderful when I opened my new business. The setup and support has been excellent and any questions I had were always answered right away. I would not think of going with another merchant account.
Clara Kovats
I have been a very happy client of Merchant1Payment (located in Canada) for over 7 years. I was using another merchant service before and Calvin came to my rescue! I have been receiving friendly, EXCELLENT, customer service consistently. Merchant1Payments have been a reliable, affordable, professional interac service provider for my business at Urban Bliss Wellness Spa in New Westminster. Thank you!!!!
Peter Reichart
A bit shady. Non existing extension was provided be the first contact. They insisted on scheduled phone meetings and did not provide the analysis via email. That’s what the competitors did. Apparently there is only one person that can interpret the analysis (Robert) and he demands a scheduled phone meeting. After sending in one of our statements, I feel they are very opportunistic and have wasted my time by not providing tan analysis back. Reselling elavon is not a bad thing, being cagey with information, providing a false extension and trying to gain leverage with all that is leaving a bad taste. Never heard back from them or saw an analysis of my provided statement after telling that to the cold caller (Representative)
FRANK WANG
Switch to Merchant one 2 months. the fees rate is higher than agreement and hidden cost. customer service is poor. in 1st month (July), they ignore me my request for a week then promises to return the overcharged fees in August and correct the fee rate in the system. but in August the fee rate is still wrong and the overcharged fees is not returned. email them on Sep 6, no reply until now. call them today. nobody pick the phone. left message. no reply till now
CPO
Hi Frank,
Did you intend to post this comment below our review of Merchant 1 Payments (this page) or below our review of Merchant One?
Frances Monach
Super company! I have been with Merchant 1 Payments for over 2 years now. From my first monthly statement I can finally say I understand the rates being charged. We have multiple locations with Merchant 1 Payments and all our locations are very happy with the services we receive. Thank you Merchant 1 Payments.
Phillip CPO
To authenticate your testimonial, please reply to this comment with your business name and location(s).
Jack Del
Switched to Merchant 1 Payments 4 years ago. Great service, lower rates and they supply me with the paper rolls. One stop shop with no hidden fees or rate changes. Their slogan is “at Merchant 1 Payments the Merchant is always # 1” and they stick to it. Thank you to my Regional Account Executive Len for helping me make the switch.
Phillip CPO
To authenticate this testimonial, please reply to this comment with your business name and location.
Paul
I have worked for Merchant 1 Payments for 3 years now and I can verify that they do not charge an early termination fee or PCI compliance fees. I have worked in the merchant services industry for 3 and a half years now and I have had some real nightmares with other merchant services providers. With Merchant 1 Payments I can call Merchants that I have signed up and ask for referrals, 9 out of 10 times I will get the referral. Customers are very happy with the all aspects of services received from Merchant 1 Payments. My Relationship Manager always says to me “Paul, we are not the biggest but we are the best and we are building the Merchant 1 Payments brand one merchant at a time”.
When I first stared with Merchant 1 Payments I thought this was just going to be another nightmare but I was so desperate to get my more than unsatisfied Merchants which I signed up with other providers away from the nightmare which I put them through and put them with a real company that has integrity and most important respect for their customers. Most of the Merchants I signed up with the other providers were friends & family who had businesses and they could not understand why I would placed them with such a bad provider. I spoke to my Relationship Manager with Merchant 1 Payments and they helped me move them from the other Merchant Services Providers and are now more then happy with the rates and services. I hope this is very helpful and please beware of the crooks out there!
paul elliot
I have seen the Merchant 1 Payments Agreement and it is the replica of the Elavon Agreement. They do NOT have any PCI Compliance Fee and they have the only agreement that I have seen that does NOT have any early termination fee. Their current website demonstrates their policy of total transparency and their objectives to have such universal. They conform to the Canadian Code of Conduct which is a voluntary standard that they wish to see as compulsory throughout the industry. I know many merchants who use their services and all are extremely pleased.
Phillip CPO
Hi Paul,
In order to authenticate your testimonial, please reply to this comment with your business name and location. Thank you.