Merchant One (merchantone.com) is a Miami, Florida-based independent sales arm of United Bank Card that uses First Data (FDIS) as its processor. Merchant One has recently rebranded its logo and revamped its website to make the claim that it serves more than 100,000 merchants. Merchant One provides credit card processing services for nearly any need and has an iPhone app for wireless processing. Joseph Saka is listed as the director of operations at Merchant One. The company should not be confused with One For Merchants, a wholly separate merchant account reseller.

Key Points

  • Sales & Marketing: Merchant One appears to hire independent sales agents and has received a high number of complaints about its sales practices.
  • Costs & Contract: Merchant One appears to offer a three-year contract through First Data with an early termination fee of up to $750.
  • Complaints & Service: Merchant One has received more than 90 public complaints.
  • BBB Rating: Merchant One has an “A+” rating with the Better Business Bureau and has received 32 complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With Merchant One

Merchant One Products and Services


  • Retail
  • Mobile
  • MOTO
  • E-commerce

Response from Merchant One

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Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No

This reviewer found a few instances of misleading marketing and reports of deceptive sales tactics attributed to Merchant One. In the past, Merchant One has promoted processing rates starting at 0.39% on its homepage as well as through online advertisements we found. Currently, the company’s “About Us” page quotes low rates “starting at 0.29%.” Not only do these quoted rates set unrealistic expectations, but only a tiny fraction (if any) of a merchant’s transactions would qualify for them. The site fails to mention what type of transaction qualifies for this transaction rate or whether merchants will experience additional fees outside of that rate.

In addition to the misleading rate promotion, Merchant One’s website used to state that merchants “will not be subject to any long-term agreement” and “are absolutely free to cancel their services with us at any time—for any reason.” Based on merchant complaints describing cancellation fees ranging from $200-$300, this claim was either a new policy or a complete falsehood. As of this update, these claims appear to have been removed from the Merchant One website, indicating that they might not have been completely truthful. Although the company has removed these specific claims, we are still awarding it a “D” based on the large number of complaints that the company has received and the rate quotes described above.

Response from Merchant One

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Merchant One Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $295+
PCI Compliance Fee $100 Per Year
Equipment Lease Terms Variable

Pricing and fees of a Merchant One merchant account will likely vary by merchant based on business type, processing volume and the agent setting up the account. Merchant One’s standard merchant account contract (available below) can range from three to five years with an early termination fee of $25 per month for the remaining months of the contract term (known as Liquidated Damages), or $295, whichever is greater. Multiple recent complaints mention an early termination fee of $750, indicating that this amount could have gone up. There are several complaints from merchants saying that neither the contract term nor the cancellation fees were disclosed by the agents during the application process, so merchants should be sure to check the document below for the actual text of the ETF (found on page 38). The company also appears to charge an annual PCI Compliance fee of around $100. We will hold the grade to its previous rating and update this section as more information regarding Merchant One’s contract policies becomes available. See the Merchant One Program Guide.

Response from Merchant One

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Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 90+
Live Customer Support Yes
Most Common Complaint Hidden Fees

It is evident that the dispute resolution process at Merchant One needs improvement, because there are over 90 Merchant One negative reviews across several consumer protection websites. This is a moderate-to-high number of complaints in comparison to other providers of its size. Most problems seem to center around merchants feeling as though they were deceived by the company’s advertising and sales processes. Many also complain of undisclosed fees and undisclosed contract terms during account setup and high cancellation fees. To its credit, Merchant One provides a customer support number for merchants, but it’s unclear whether this line is serviced by Merchant One itself or by First Data.

Response from Merchant One

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Key Points - BBB

Product & Service Complaints 7
Billing & Collection Complaints 16
Advertising & Sales Complaints 8
Guarantee & Warranty Complaints 0
Delivery Complaints 1

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

As of this review, the BBB is reporting an “A+” rating for Merchant One despite receiving 32 complaints over the last 36 months. The types of complaints mirror those found on other complaint websites, with seven under problems with service or products, eight filed under advertising and sales issues, and 16 under billing and collection. Of the total complaints, 14 were resolved to the satisfaction of the merchant while the remaining 18 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. Based on Merchant One’s complaint count, resolution ratio, and business size, we are adjusting the rating of this section to a “B” for the purposes of this review.

Response from Merchant One

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Merchant One Logo

Merchant One Bottom Line

Merchant One’s use of deceptive marketing tactics has had a negative impact on its rating. Although the vast majority of Merchant One’s customers are probably satisfied, this company has a high number of complaints compared to other processors of its size. That, coupled with the resounding themes of non-disclosure and misleading rate promotion, makes it tough to score this provider well. Business owners considering a merchant account with Merchant One are advised to thoroughly read and understand the terms of the contract before signing.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

Schedule a Consultation with Phillip

76 Reviews Leave Your Review Below

  1. Dont do business with merchant one they WILL rip you off
    There rates are more than they will tell you they have a catalog of fees on top of the rate they will tell you about and if you close they pull 800 dollars out of my account

  2. NEVER EVER USE THIS COMPANY! After making me prove I have enough funds to warrant them allowing me to process credit cards (which doesn’t make any logical sense on its own), they just cancelled me for making too much money. This company is full of illogical idiots. Never use them.

  3. Disgusting sales technique, NEVER was told they would be charging me $31.50 PER MONTH, for doing absolutely no business, so I’m out that money for 3 months. They should be investigated and shut down. They lied to gain and they did for 3 months, biggest scams ever.

  4. Merchant One is without a doubt one of the worst credit card processers in the business. I am very surprised that they have a C rating. They are not up front with contract details, they may at their discretion hold funds for up to six months if you violate your per sale limit. It does not matter if you tell them upfront that you sell large items. They average your sales and come up with a per sale limit. We have had our funds held for 6 mos. and two weeks. This extra two weeks is a violation of the contract on their part. We did not receive a copy of the contract until after they had already held our funds. Beware of this company if you are dependent on your sales funds. This company should be rated with a D- or F.

  5. The worst service ever! Merchant One’s mobile swipe was incompatible with my employee’s android phone. This was known form the start. After keying in my first two sales of a brand new business, I got a call that my account t was on hold for not swiping. Merchant One is holding on to the $600+ for six months. If you want to receive the income from your clients, do not use Merchant One.

  6. stay away from Merchant one they have taken money out of my account that wasn’t authorized and their service and customer service are the worst the worst company ever go out with they’re out to take money out of people account that’s it after telling me I have a 30-day trial and if I want to cancel I can they still took $300 out of my account after I cancel within one week

  7. 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. Just because a merchant provider has minimums that does not make them Bait and Switch. Every company has an obligation to protect themselves. If you don’t meet the minimums you should try Square since they don’t have minimums but you will pay a higher percentage. This might still work out better for a company with virtually no sales to speak of if you don’t hit minimums.

  8. What ever you do, do not sign up with them. So many hidden fees. After bas customer service and violating my custimer privacy and giving account info to someone who is not on my account. Requested to gave account cancelled and was told fee would be $700

  9. We are a small business that was getting started. We signed up with Merchant one and put our trust in them, when we found another service that better suited our needs we were unable to cancel our service with Merchant one we had spoken to 3 different representative and have been told 3 different things, they continued to charge us for three months after our initial conversation about canceling their service and then charged us an annual fee after all of the conversations and contact that we had made about canceling service. The representatives were abrasive and rude and unwilling to help when we wanted to cancel.
    If you are looking for a credit card merchant service I would advise you to look elsewhere there are several other companies that are more willing to help we currently have PayPal and have been extremely happy with that service.

  10. A real ripoff company. Was told that we had to open two accounts, one for our business and another for a one day auction. After the auction we were told that we owed a $850 early closing fee. First sale on the system was for $3179.00, were told that we exceeded our sales amount and that the funds would be held for SIX MONTHS. Stated that the sale exceeded my contract amount. We never received a copy of the Contract, only the signature page. If you are looking for a card processing company you should remove Merchants One from your list.

      1. I can not canceled until I receive payment for the one and only usage of the account. The customer’s card has been charged for the purchase so merchant one is just holding the money. It may ultimately cost me an attorney fee to get paid.

  11. Thank you everyone for your postings on this site and many others. We spoke with Merchant one today and we were almost ready to switch providers UNTIL we read the thousands of complaints all over the internet . Needless to say we will NOT be using them

  12. I’m a small business person. Using this service became much more expensive that I thought it would be. When I went to cancel they wanted to charge me almost $300. For What!! To end my contract. Really?! Its a rip off!

    1. I posted earlier that merchant one was going to charge me an early termination fee. Well,, it was not $200 it was $525. Really!!?? I guess they have a fight on their hands. What a criminal system.

  13. MERCHANT ONE IS HORRIBLE!! I have been using Merchant one about 7 months, because they always charge me with non-sense fee every month, I decided to cancel my account with them recently. The rediculous thing is, the director of Merchant One Andrew Saka send me the early cancellation policy which is 25 dollars for rest of the contract month or 295 dollars. When I opened my account with them, the repesentitive of Merchant One Steve Saka told me there is no contract, no early cancellation fee, and that’s why I did business with them. So I emailed the Steve Saka about what’s happening here, why you guys saying different policy right now, but later a New guy named Marc Lindor called me and told me Steve Saka went back to school, he is not there anymore. And he also told me I actually have contract with them for 36months. I told him I’m really sure I don’t have any contract and I asked him do they have the agreement, he said yes. I asked him to send me the agreement from yesterday afternoon, but until now, I didn’t get any email! If any of you know how to end up business with them with no early cancellation fee and some other crap stuff, please let me know how did you do it. I’m still struggling how to cancel their service and if possible I really need to report MERCHANT ONE, so they won’t cause any harm for the small business!!

      1. I would like to take action, they are scammers, violating privacy and charging different fees plus 700 cancellation fee.

      1. Fortunately I’m out of this business with no cancellation fee on December 2016. Here is my experience, I call the merchant guy and asked for the original contract. The second day he sent me two documents, on shows my sign there but I don’t think that’s my sign, that guy tried to convince me that’s because I signed electronically on my computer so it looks different. The other documents has no sign at all. I called the guy back and started yell at him how bad their company is, how many people having same issues like me…
        We negotiated couple minutes, finally that merchant guy said Merchant One is good company so he can wipe off the early cancellation fee on the contract, I need to send all the equipments back to them.
        If you want to take class action, I would like to join you, because I hate this kind of business exist in the world.

  14. they couldnt tell me what charge of 30 was for just said it was charge i owed they also said they could help with late bank fees buy they didnt do that

  15. I think I was the only one lucky to have my account closed without warning, said I was running fraudulent activities. Same thing they told me when I sent them the link to this forum when account was open. Not sure how I registered with them but when the sent me an email that my account is active, I wasn’t sure I wanted to process with them anymore when I read reviews from this site.

    Anyways, some guy called from from Merchantone and said he saw the email I sent to Jennifer Henriquez, and most of you guys here if not all of you either didn’t use their services at all or all of you were doing something fraudulent or illegal.

    We spoke for almost an hour and he assured me nothing was going to go wrong and my funds won’t be held, well I said better not. Account was opened for a month where I processed few transaction hesitantly, I was even getting deposits in my Bank of America account on Saturdays and Sundays.

    At the end of the first month they took their fews, I tried to process a new transaction the next day, it came up with a error “Invalid Merchant ID” I called I was told account was closed I needed to speak to a lady called “Taylor” I asked why account was closed, they said fraudulent activities lol. I said how? You have my customers details, phone numbers emails, why would you assume that? Why didn’t you verify, call them or something? I was like whatever, I hanged up and never looked back.

    It’s always good to have a backups at least minimum of 3 when dealing with these thieves. If not for my approach when the account was opened I was never going to see a cent. Their reviews on trustpilot.com all seems shady to me.

    Let me just advise you on one thing, if you don’t want to loose money or have your time wasted, do not use these guys, bad news!!! No other sites says anything good about that except their fake reviews on trustpilot.com

    They can be very convincing, do not listen to them!!!

    1. 2 days after account was closed, the debited my account $174.95 x 18 times lol, I’ve now closed bank account and they will be loosing a lot of money soon. They just messed the wrong person!

  16. This is the worst company, and the worst experience I have had. I have requested that they close my account fore months, and each month it is something different. They are extremely unhelpful, and I have lost a significant amount of money. I have emailed them my concerns and complaints, and no one is able to get back to me. This is ridiculous, and I am disappointed that they are still in business.

  17. DON’T GO THROUGH THEM… SCAM! I had nothing but problems dealing with them and when promised to reimburse me I was then directed to speak with someone else and the stories always changed and they harassed me during a death in my family being my father at that and until I did my test run they didn’t care. I would get texts threatening me that I would be charged $375 in fees if I did not activate my equipment and when I got tired of the continuous harassment I just went ahead and did the test run and it’s been nothing but problems ever since. Money was taken out of my account unauthorized and the amounts kept climbing. They tried telling me I was re-inbursed for my $5 test run and that was a complete lie also. They did nothing but cause me stress and a big headache and not to mention lost over $200 in the process from them pulling from my account until I shut my account down due to some many problems because of them. They are not professional people at all and a total scam. DON’T GO THROUGH THEM! YOU WILL REGRET IT!

  18. Crooks
    Incompetent, Roud and unknowledgable
    Quick example:
    Evalon ,
    Service they use for money processing
    They found it odd , that one of my clients from London coming to Nee York and spending money for concierge service.
    They didn’t even know what does concierge means, and does. They calculate and mesure everything, from the cave they sit in Tennessee, with there southern accent.
    After they took money they proccesed 3 month before, and after they couldn’t do anything they return it.
    They wanted to call to my clients to check on my , Wich is ridiculous.
    I recommen stay away from these people, as far as possible

  19. merchant one It is like a nightmare
    I don’t understand if this is a fraud company or what
    They have been keeping $14,000 of my money since three weeks ago after I signed with them then never have an answer I spoke to over 10 different employees and I keep hearing different answers it’s like they are playing with us One day they ask for bank statements and one day they ask for A Bill of sales and one day they aask for receipts every day different stuff And every time they ask for something I send it to them and they Will say they are going to deposit the money in my account and nothing happened it’s been like this for almost 3 weeks me and my staff We feel like we are working for them With all the stuff we provide for them with our records receipts and bank statements Bill of sales sales
    we are very warty from this
    We spoke to a manager and he ask for the same stuff we already sent 10 different times And we send it because we have no choice and he promised we would have the money the next day and nothing happened
    this Is I nightmare
    I would really appreciate if I can use some help or maybe direction how can I take legal action Or how can we get our money from this company because when I told them I want to cancel they told me by law they can keep our money for 24 Months

    1. I’m quoting another user below. I bailed out on Merchant One years ago, but recall their deceptive practices. They should be investigated … and I hope someone files a class action against them.

      Hi Sandra! I feel your pain. I can’t believe this company is still in business. Anyway contact your state representative. That’s what I had to do to get out of this deceptive immoral company. Good Luck!

    2. Jesse so sorry to hear about your situation with this crooked company. I too was sucked in and tormented for months. I contacted my state representative or you could contact the state attorney general and see what they can do. My representative got me out of my nightmare with this company. I don’t see how they haven’t been shut down by now. This situation has made me very cautious of any future decisions I make in my company. You have to research, do your homework and definitely check outside reviews sites that aren’t affiliated with the company or product you are purchase. I learned the hard way. Best of luck trying to resolve your problem and reach out to a government official.

  20. Has anyone figured out how to cancel? I’m been getting charged for the last six months to a total of over $800! I called my bank and placed a stop payment on all of their transactions, but fear that they might try and bill me. This is horrible business and frankly I am very frustrated as I never even used their service.

    1. Hi Sandra! I feel your pain. I can’t believe this company is still in business. Anyway contact your state representative. That’s what I had to do to get out of this deceptive immoral company. Good Luck!

  21. I haven’t received a single statement in 4 months of using their service. I have no record of what fees I am paying, they simply withdraw as they please from my bank account. Tons of problems. Hours on the phone trying to do a simple address update. AVOID.

  22. we are the latest victims of this screwing company. due to their high transaction charges, we minimize /drop using the credit card transactions, but for month of December 2014 they have charged over $500.00 in various days, and for January 2015 they already charged $198.00,
    it is really sickening with this merchant-one, and was unable to contact them and to close this account with them. they mention we can close the account at anytime with out charges, but when i go through your complaints, we noted that they charge to close the account.
    still it is worth to close with this F….. company who is ripping the innocent hard earning people.

    1. You are not alone. I was suckered a year ago and I got out of the contract for free. I contacted my state rep and he sent them a letter and that worked. Don’t let them win. They are hoping you just pay up but I was more interested in the principle of it and it was worth exposing them for the criminals that the are.

  23. Sleazy Slimy business practices. AVOID. I tried to cancel because of all their crazy fees, and was told that I had to pay a $295 termination fee. I asked to be put on a very minimal plan to finish out the few months I had left… they agreed (because it would have cost about $60). I just found out that they “charged off” my account and its now a negative item on my credit report. They also had been sneaking in extra charges for over a year because i did’nt “opt-out” of some unnecessary “fraud coverage” they offered. So basically if they send you a letter that says if you DON”T respond (AKA SONT SEE THE FINE PRINT BURIED IN A BILL SOMEWHERE), then that means you ACCEPT their new product. WOW! not to mention the charged was masked to make it hard to understand what it was if you did see it later on. The finally agreed to fully refund me after offering half the amount siphoned out of my account and fighting me the whole way. Save yourself the headache and avoid companies that do business like this..

  24. We opened our MerchantOne account in May 2009. We started using another company 2 years in and didn’t realize we had a 5 year contract with MerchantOne, like most of the complaints nothing was disclosed about a contract and or is not on any documents we signed for MerchantOne. Today, I call to cancel the service because we have been out of our “contract” since May 2014 and was asked to sign a form to cancel service and was sent a balance form of what is owed!?!? When I spoke to a service rep of MerchantOne he told me we owed for a Annual PCI – Compliance Fee of $129 and monthly processing fee. I get the balance form and it’s both fees mentioned above and more… there was a collections fee of $50 and NSF $25. We haven’t used them in 2 years to process any credit card payments, they have been collecting a monthly fee of $56.85 and their Annual PCI – Compliance Fee of $129 and some other monthly fee of $24.50 all this time. I am disputing the fees/charges. I could see paying the Annual PCI Compliance Fee if we were to continue service, but it was paid in August 2013, that should cover us to date? The collections fee, I have no idea what that is and am still waiting on an explanation. If we owe anything it would be for the month service and NSF charges. Definitely buyer beware and do your research before getting involved with a company like this!!!

  25. Someone needs to file with the State Attorney General of Florida on Merchant One. If you are local and have been scammed by Merchant One please get the ball rolling for everyone else. This is yet another racketeering outfit and the consequences will be stiff! More people need to start standing up to these crooks, we have made it our mission to report anywhere we can to prevent others from being victims to Merchant One. They will eventually get shut down but in the meantime we all suffered from their fraud and deceit. The time is now so speak out!

      1. Phillip,

        They charge more fees than stated,they screw up and take money they are not entitled to and they take absolutely no responsibility for their own screw ups. They have a D rating for a reason and I wish I would have done more research other than the topten site that comes up at the top of google and is a bunch of B.S. When I say do not use merchant one I mean it, it was a very bad experience and expensive mistake. The truth needs to be out there, they have hundreds of BBB complaints as well so that’s all there is to know. Thank you for this venue to share and help others not make the same mistake.

  26. Merchant One is HORRIBLE. Hidden fees, staff not helpful….very bad experience with Merchant One…do NOT go with Merchant One….you will be very sorry. Bad company, expensive, poor service, you will be sorry. Others are much better. thanks, Jay

  27. Merchant One had us sign an agreement that you could not read assuring us verbally that we could cancel if we found a better deal. The agreement is one page and I am told makes reference to the terms and conditions as found in the 32 page ‘program guide’. This program guide is not provided by VISA and MasterCard, but also contains their own ‘fine print’ such as early termination fees, etc.

    All binding paperwork is not presented at the time of signing, but only referred to as a website address where you can go and read all of the ugly little details about additional fees and obligations. This is deceptive as they do not bring this to your attention and let you know there are more terms and conditions they will hold you to, nor do they give you an opportunity to go online and review the 32 page document before signing.

    1. Hi Tom, the short answer is that we dig much deeper into the business practices and type/volume of complaints filed about a provider. The BBB only evaluates the complaints filed and resolved within its own platform. This often encourages providers to work diligently to solve BBB complaints in order to maintain a good rating even though they are not correcting the problems that caused the complaints in the first place. We specialize in reviewing and rating merchant account providers, which is a complex industry that cannot be accurately rated within the BBB’s broad criteria which covers all types of industries. In fact, we have reviewed over 300 providers and found that the grading across providers with the BBB is vastly inconsistent.

      If you would like more detail, please see our Rating Criteria.

  28. Well I guess I’m the latest victim of this fraudulent company! Totally deceived by the undisclosed extra fees, annual fee & the best was the 3 year contract that I had know idea I had entered into. Gina Gordon the sales person told me I could cancel at anytime and never mentioned an annual fee. I found this out by notifying them of a $99.00 charge on my account. Obviously I had no idea of an annual fee and them proceeded to find out I was in a 3 year contract. Pulled out my contract and found the $99 annual fee in small print but no where on there is there a 3 year contract term. It says in Section IV that it is disclosed in Section III. Well Section III is no where to be found. After contacting them again they said they can send me the “Program Guide” which stipulates that term. Okay so you’re telling me on top of all the other undisclosed information in the application process you want to send me documentation of my contract which was never disclosed at the time of my signing. HUH! Well I’m in the process of waiting for a call back from upper management after telling the customer service rep that I don’t feel he should take the brunt of my anger. If I don’t get the resolution from upper management I will be contacting the BBB, Attorney General & my attorney. These people need to be stopped!!!!

  29. This has to be one of the worst companies to deal with. From the beginning three years ago the sales rep did not explain the numerous extra charges we would be charged when we signed the contract. They are continually adding charges and raising processing fees and compliance fees. After the company convinced us to purchase a terminal from them so we would be charged lower processing fees we were told four months later the terminal was discontinued so we would have to spend another 200 and buy a different one. They lock you into a three year contract charge high termination fees when try to leave early. Their customer service reps are rude even when they mistakenly overcharge our account and should be apologizing for their mistake which happens often. Unhappy with this company from day one thankfully the three years of hell with this company is over.

  30. This review is right on the money……They requested additional signers on our account when we refused and stated that we would go elsewhere they opened the account anyway without our knowledge and started charging the monthly fee also without our knowledge. We never made any tranactions with this company and it took four months to get them to stop charging the fees….We are out the $100 bucks…..My advice Run …..Run like you hair is on fire from these folks!!!!!

  31. I put in a card payment online with Paul Milburn Acreages…..this transaction showed declined several times so I notified the company via email over the holiday. Since it has been a fiasco as one company states that I am the one putting the hold on my account…ummm how is that???? Merchant One has the credit card services for that website and all I get from Milburns office is that they cannot do anything that they never recieved anything although My BANK WELLS FARGO….has in my account a hold on the payment and it is held by MERCHANT ONE….AT SOME POINT THEY ACCEPTED MY PAYMENT AND HAVE A HOLD ON THIS PAYMENT WHICH IS THE ISSUE…..each entity is telling me neither is at fault yet they are still holding my money and account up. This has been going back and forth since monday….Milburns office speaking with my bank and then merchant one and it has gotten NOWHERE. So I contacted MERCHANT ONE myself as Milburns office wants Merchant ONE to speak to my bank….well problem there is no info can be obtained or discussed without me being there….so why have them call my bank if they cannot get any information??? Milburns office has not been the nicest in this instance either as they act as though I am not being truthful with them even though they have a copy of the hold on my bank account sent to them by my bank WELLS FARGO. Speaking with Merchant One today due to not being able to get anywhere with Milburns office and it is just like all the complaints I read online this morning about MERCHANT ONE……sad that a business with such potential has such horrible customer service and excuses. 179 complaints in 6 months!!!!! WOW!!!!!!!!!!!!

    Very dissappointed and disgusted with both entities at this point!!!!

  32. Besides the high PCI compliance fees we were just charged $99 annual fee. I had selected merchantone based on the sales rep saying there were no annual fees. My contract does not disclose any annual fee amount, but it also does not say there is none. Loophole? It does state monthly fees, statement fees etc etc.

    Deceptive advertising. Cancelled and we will see what kind of termination fees they have. Contract clearly says NONE, I am guessing they will continue to bill me my minimum $25 monthly fee and call it something else other than termination.

    1. Mike,
      Don’t bet on their NOT charging you a serious cancellation fee. We had the same issues and likewise were billed this fee. I forget the exact amount, but it was several hundred dollars. We refused to pay it and, after a barrage of threatening calls and letters, they relented. Note to all commenters: there is NO reason to comply with any of their charges. Simply cancel your account and cite the numerous complaints that you find here and elsewhere. They are highly unlikely to take legal action for a few hundred dollars.
      Tom Booth

      1. Most likely they will send you to collections and ding your credit. The cancellation fee is $295 or $25 a month, whichever is greater and they just took it straight out of my account.

  33. Our company signed up with Merchant One because of the offers they had advertised. We quite quickly found out that 1) you have to agree to ‘terms of service’ electronically, without even getting to read what you are signing. There is no way to sign up without agreeing (sort of like with free downloads on the net) and if you hit ‘continue’ apparently you are authorizing to lots of terms that are not disclosed to you.

    As high tech crime investigators, we find the sales tactics are clear bait and switch techniques. To date, we have had monthly charges taken out of our account that were never authorized. They ACH the $9.95 that they disclose, but then do additional charges for $34.78 or other amounts like $99.00 that just somehow show up. When you try to get someone to credit back the charges that were taken out without authorization, they promise to fix the problem and tell you the charges will be credited back to your account “within two weeks”. Those credits not only do not happen, but additional charges come out. These folks, in our opinion as fraud investigators, have a wide variety of fradulent tactics going on include wire fraud and banking violations. We strongly urge anyone who has had problems with this company to report these issues to your bank, to the Better Business Bureau and to your local police department. They are doing this on a wide-scale basis. From the postings on this website alone, at least 173 other complaints have been filed for their various nefarious tactics. This is probably a very small sample compared to what is actually going on. You can also legally post the facts on the Internet–so we also encourage you to do that.

    As of this posting, they have ‘scammed’ us to the tune of $200.00, even though we did let them know we are aware of their various fraud tactics. Each person

  34. 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! I recommend Dharma Merchant Services – Non contracts, no limits, great service, low rates and fees!

  35. Having been with this processor for over 3 1/2 years, I started to shop again.There are much better companys, with out all the bad reviews. A 3 year committment or pay the termination fee was my agreement. Well, sometime down the road, their terms were amended to 5 years and auto renews. Which they said I was obligated to recently. They have added 4 more pages to their policy. the page that said 5 years, page 28, did not exist when I went with them. Thats the latest in a scamy company that one would think, having access to your moneys, should, would, and could, be upfront and honest. For mobil, which I use, no swipe, their iphone ap ad specifiys one rate, and your hit with a higher one. Keep shoping and stay clear of this con artist, Merchant One

  36. I am completely disgusted with their after hours or weekends emergency help with my terminal! The referred me to no less than 5 different phone numbers, NONE OF WHICH WAS ANY HELP! I would not recommend them in the future so go elsewhere for your credit cards terminal needs….

  37. I set up my a/c with Jennifer Liehn-Pupo and you programmed my machine and told me I was good to go. Now I find out that you are holding my deposits until you can do a site survey. I’ve been in business for 41 years and have never been asked for this.
    My contract says nothing about this either. So I will call Jennifer back tomorrow, today she said she could not believe this was happening and she would get it straight. If you didn’t want me to make charges before the site survey you should not have turned on my machine.
    This terminal, as I have explained over and over, is for our old customers from 20 years of craft shows. Our main terminal is at our shop at the Greenbrier hotel, a pos system. We only run customers that have nothing to do with the hotel thru our home machine which is not many. I explained all of this to Jennifer and she said we were good to go.
    So tomorrow if I do not receive satisfaction for the $267 you have not deposited in my a/c but took charges for I am going to contact the interstate commerce commission and report you for fraud.
    I just want to get these two transactions in my a/c and then I do not want to do business with you anymore. I have wasted more time on this than you can imagine. This afternoon I spoke with a very arrogant young man who told me what I could and could not do including calling the ICC. This person also told me that the survey people had tried numerous times to contact me. I am in my home office everyday and no one has called me. Believe me you won’t like what they have to say when they find out how we have been treated by your company.
    If anyone along the way had said “you have to have a site survey before we will give you your money” I would have cancelled my a/c right then. But no, you waited until I noticed that my deposits were not coming thru and then told me. This constitutes fraud and is punishable by a fine and other means.
    Tom Eure
    [phone number redacted]

  38. I made the HUGE mistake of switching to MerchantOne last year.

    After speaking with “Kevin D. Brown” and going over exactly what I was paying at the time, he assured me, repeatedly, that they would save me money on credit card processing. Kevin D. Brown is a lying POS as is MerchantOne. After a few months of seeing fees that greatly exceeded what I was previously paying, I closed the account.

    They proceeded to bill me a termination fee of several hundred dollars which I did not pay. If this isn’t extortion, I don’t know what is.

    Then they put a chargeoff on my credit report putting a ding in my otherwise perfect credit.

    Don’t walk, RUN from this company.

    If there’s a class-action suit against this deplorable group, I want to be a part of it.

    1. Hello,

      In order for this review to remain published, would you mind adding more detail about your experience?

  39. It has been over 2 years that I did buisness with this company, I was borded and thought I would see if Merchant One had changd there ways, and it looks like they havent changed at all. I read all these reviews and say to myself thats the kind of crap they pulled on me 2+ years ago.
    Just type in Meerchant One scam and it is amazing what this company does to small buisnesses.

  40. I needed to cancel my services because of months and months of random fees and when i told them i needed to cancel they said “they do not recomend it because we are under contract and will be a hassle” because of cancellation fees. This company has put my business account in the hole too many times because of their hidden fees I do not recomend them to anybody unless you read their (30 page contract) that they say they do not have!…

  41. I’d agree with all the negative comments above. We were also told there would be no “cancellation fee,” or hidden fees of any kind. We’ve been bombarded with unexplained fees, often with mysterious codes. Today, upon asking for cancellation, we were told there would be a two-year cancellation penalty amounting to $600.

    This is a fraudulent company: you should simply avoid doing business with them under any circumnstances.

    1. Hi George, can you provide more details of your experience? Otherwise, we’ll have to delete this comment since it’s not technically a review of the Merchant One’s services.

  42. Wow,
    I thought I was the only one being deceived and screwed over.
    Does any one have any info on the best way to handle this deceit and fraud ?

  43. Please help put scam companies like this one out of buisness. Fees,Fee’s… anything thing they want to charge
    they take right out of your account. Every month I had more and more money taken from my account, and when I would call to ask they said it was in the paperwork.
    After 2 years with the company They charged me 250.00 to close out with them, of course they didn’t tell me
    that!! It was just missing from my account. We also had to close all buisness accounts so they would stop taking money.
    Take warning stay away you will be sorry! I will also make a complaint to the BBB , but I heard they have an A
    rating with them . Something fishy there too.!!!

  44. Stay away from this one. I’ve been with this company for 6 years. I started out paying 15 dollars a month now every month a new fee. Bill went from 15 to 221.00,129.00,86.00,79.00,68.00 dollars. Now they’re charging a 28 dollar fee three times a year for processing paperwork. A 99 dollar a year fee for annual fees, 87 dollar a year pci fee, and a 3.75 monthly fee for pci. Also a 19.90 dollar fee a month for comstar fee. Also gateway monthly fee that has been as high as 43.00 dollars a month. Those fee don’t even include the fees you pay for charging a credit card such as transaction fees and other charges. By the way the fees I signed up to pay are out the window. When you get a large charge amount your fees go up suddenly. Went as high as 3.15%. Over double what I signed up for. When I called to complain they said we’ll now set your rate so it don’t happen again after the damage is done. For three months they over charged me 19.90 refunded the money then charged me over the next two months also. If I had never caught it I’ll still be paying double. Worst company ever stay away.

    1. absolutely THE worst company i have ever worked with (22 years practice). watch out for all the hidden fees including the never mentioned annual membership fee of $99/yr that was hidden in the fine print of the contract. and when you cancel, look out! the fax number they provdide to cancel conveniently never works. it actually me 8 days and many phone call and faxes to get it done. i compared to CMS and happily cancelled merchant one. unfortunately, merchant one is not (all of a sudden) easy and friendly to deal with once you try to cancel…and the HIDDEN fees are ridiculous! i have MANY clients that accept cards and they will certainly be “schooled” by me on merchant one. STAY AWAY! seriously. tim.

  45. 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!

  46. We have had the same issues with Merchant One as described by other reviewers, that is their deceptive promise of no additional fees, cancellation at any time and a one year contract. We specifically wanted a one year contract for our new business and were assured that this would be the case. We were rushed over the phone to simply sign the contract, our rep assured us that the contract was for one year and we needed to sign now. Shortly after, we were charged the 90.00 compliance fee and then learned that we had a 3 year contract that we are obligated for, personally, even though we are an LLC. Run in the other direction from Merchant One!

  47. When we opened our account with Merchant One almost 9 months ago. We were told we could “cancel at any time”. Yet, when I tried to cancel this month because I just was not using the service (I’ve only used it three times in 9 mos) They tried to force me into agreeing to pay a cancellation fee of $675. When I objected they said, “business has been tough this past year, we have to make our money somehow.” When I told them I was told I could cancel at anytime and never signed a contract (everything was set up online) they sent me an application with a forged signature on it. And, conveniently, my salesman had no recolection of the promise he had made to me when we opened the account. Ultimately we had to cancel our bank account and reopen. I am very disappointed to find this company to be so unprofessional. Being dishonest is not the way to get ahead.

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