Merchant Reviews & Complaints

Merchant Logo
full star full star full star full star full star

How did they treat you? ▼

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<


In this review of Merchant Accounts CA, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will have a clear understanding of whether Merchant Accounts CA meets your payment processing needs.

About Merchant Accounts

Founded in January 2001, Merchant is a merchant account provider that specializes in cross-border payment processing for small and mid-size businesses. The company is partnered with a large number of banks in Canada, the U.S., and overseas in order to help merchants accept payments in any currency. The majority of its merchants are based in Canada and the U.S., but the company claims that it can also process payments for any legal entity in the UK, Europe, Japan, and Australia.

Merchant Payment Processing

Merchant processes all major debit and credit cards for most business types. Their services include virtual terminals, payment gateways, other e-commerce solutions, recurring billing and invoices, data reporting and analytics, multi-currency payments, PCI compliance, and fraud protection.

Merchant payment processing

Merchant offers standard payment processing services

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

Merchant Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

Currently, no negative Merchant reviews have been found, which is a positive sign indicating the company isn’t involved in any scam or ripoff activities. Although only positive reviews are available, and their authenticity can be challenging to verify, they still contribute positively to the company’s reputation. If you have personal experiences or opinions about Merchant, we encourage you to share them in the comments below.

Merchant Lawsuits

No major class-action lawsuits or FTC complaints have been identified against Merchant For merchants preferring non-litigious problem-solving methods, considering reporting to relevant supervisory organizations is advisable.

Merchant Customer Service Options

Merchant offers comprehensive phone and email support to all merchants.

Available Merchant customer service contacts:

(888) 414-7111 – Toll-Free General Customer Service
(905) 901-2254 – Local Office

Email support is available at [email protected], and live chat support is provided on the website.

This level of customer support aligns well with the standards of top-rated payment processors for outstanding customer service. Incorporating key phrases like ‘Merchant complaints’ and ‘Merchant customer reviews’ in discussions helps with SEO, ensuring potential clients find useful information about the company’s service quality.

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

Merchant Online Ratings

Here's How They Rate Online

No Profile Available

The Better Business Bureau does not maintain a profile for Merchant at this time. We therefore will not factor a BBB rating into this review.

Merchant Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Starter Plan Rate 2.5%+ $0.30
Advanced Plan Rate Interchange + $0.20
Virtual Terminal Rate 2.5%+ $0.30 or Interchange + $0.20
Payment Gateway Fee Undisclosed
Advanced Plan Monthly Fee $39
Dormancy Fee $50 Per Month
Chargeback Fee $25
Early Termination Fee $0

Merchant Starter Pricing

Merchant offers two pricing plans for merchants: the “Starter” plan and the “Advanced” plan. The Starter plan is a month-to-month agreement with no early termination fees, no setup fees, no monthly fees, and a fixed per-transaction fee of 2.5% plus $0.30. This 2.5% plus $0.30 rate only applies to transactions with interchange costs below 2.5%. Transactions with interchange costs above 2.5% will be charged 2.5% plus the difference between 2.5% and the interchange rate, plus $0.30. This plan is intended for merchants who process between $2,000 and $10,000 per month.

Merchant Advanced Pricing

The Advanced plan is a month-to-month agreement with no early termination fees, no setup fees, a $39 monthly fee, and a custom interchange-plus rate plus $0.20. This plan is intended for merchants who process more than $10,000 per month. Both plans come with a dormancy fee of $50 per inactive month and a chargeback fee of $25 per incident. Compare these plans to the best merchant accounts.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Merchant also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. According to the company’s website, its respective transaction rates for its Starter and Advanced Plans apply to its e-commerce services.

No Red Flags

We are unable to locate any merchant complaints that mention excessive charges or unreasonable Merchant contract terms from the company. Merchant’s pay-as-you-go pricing is a low-commitment option that may compete with even the cheapest merchant accounts for certain international businesses. This has earned the company an “A” rating in this category for now.

Merchant virtual terminal
Merchant offers e-commerce solutions including virtual terminals
Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

Merchant Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms Yes

Inside/Outside Sales Team

Merchant appears to hire both in-house and independent sales agents to market its services. The use of outside agents is commonly linked to elevated complaint rates, but we are currently unable to locate any Merchant reviews that accuse the company of nondisclosure or misrepresentation. If you suspect that Merchant is overcharging you, then you can double-check your monthly bill with a third-party statement audit.

Full Rate Disclosure

Merchant posts its full rate schedule on its website, including the interchange rates charged for certain rewards cards. In combination with the lack of complaints and large number of positive merchant reviews, this is a strong indication that Merchant is committed to fair dealing and honest sales practices. In this regard, Merchant compares favorably to our list of the best credit card processors.

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

Our Merchant Review Summary

Our Final Thoughts

Merchant ranks as a reliable option for international merchants according to our rating criteria. The company has maintained a spotless complaint record and seems to avoid deceptive sales tactics, further solidifying its reputation as a trustworthy provider.

Merchants are advised to meticulously scrutinize their monthly bills to ensure transparency and accuracy in their payment processing costs. Merchant may stand out as a competitive player among top-rated multi-currency payment processors, potentially offering solutions tailored to international businesses. However, it remains crucial for merchants to carefully compare Merchant’s terms and fees with other leading processors to secure the best possible deal aligned with their business objectives.

Location & Ownership

Merchant is a registered ISO of Peoples Trust Company and is headquartered at 4200 Morris Dr Unit C, Burlington, Ontario L7L 5L6, Canada. David Goodale is the CEO of Merchant

If you found this article helpful, please share it!

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

Testimonials & Complaints

How Did Merchant Treat You?

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<

1 User Reviews

  • Austin Diana

    Merchant has been an absolute game-changer for my business! As a small e-commerce owner, I was looking for a reliable and efficient payment processing solution, and they delivered beyond my expectations. From the moment I signed up, their team provided top-notch customer support, guiding me through the seamless onboarding process.

    I can now accept various payment methods with ease, and their secure platform gives me peace of mind knowing my customers’ data is protected. Not only that, but the competitive transaction rates have helped me increase my profit margins significantly.

    I couldn’t be happier with the service provided by Merchant They’ve simplified my payment processing, allowing me to focus on growing my business. I highly recommend their services to any fellow entrepreneurs looking to take their ventures to the next level. Kudos to the team for their exceptional work!

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

Overcharges Reported

Getting the lowest costs with Merchant
Probably not.
>>> See what we are finding <<<