One Connect Processing Review: Fees, Complaints & Lawsuits

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Note: As of January 2022, the One Connect Processing website is down and the BBB lists the company as out of business. We believe the company is out of business and will no longer be updating this profile. If you have any information to the contrary, please let us know in the comments below.

A Company With No Clear History

Based in Portland, Oregon, One Connect Processing is a merchant account provider that resells First Data (Fiserv) contracts. There is no record of the company's website before 2019, and the company does not provide any details about its ownership or history to the general public.

Possible Affiliated Companies

One Connect shares an exact address with a merchant cash advance provider called Mom and Pop Merchant Solutions. This address is the location of a virtual office, which means that multiple companies may list it; it is also worth noting that the low-rated processors Riverside Payments, National Paymentech, United Card Solutions, National Card Solutions, Chyp, and Securus also operate out of the Portland area.

Possible PayPartners DBA

One commenter has suggested that the company is connected to a processor called Tru Blu Pay (, and both the One Connect Processing website and the Tru Blu Pay website share strong similarities with the website of PayPartners, yet another low-rated payment processor in Portland. A few online complaints about One Connect Processing refer to a sales representative named “Jon E*******”, who may be Jon Erickson, a National Card Solutions sales agent who is the subject of frequent online complaints. In fact, the bulk of the available evidence strongly suggests that One Connect Processing and Tru Blu Pay are both DBAs of PayPartners, which is itself a rebranding of National Card Solutions.

One Connect Processing Payment Processing

One Connect Processing processes most major debit and credit cards for most business types. They also offer check verification and processing, mobile solutions, e-commerce solutions including shopping carts, a payment gateway, card-not-present transactions, and POS solutions.

One Connect Processing Location & Ownership

One Connect Processing is headquartered at 1050 SW 6th Ave #1100, Portland, Oregon 97204, and does not list its acquiring bank. One Connect Processing does not disclose the names of its management team.

One Connect Processing Review Table of Contents

  • Costs & Contract: One Connect Processing offers a three-year contract through First Data with a $495 early termination fee.
  • Complaints & Service: One Connect Processing has received more than 10 public complaints.
  • BBB Rating: One Connect Processing currently has no rating with the Better Business Bureau and has received 8 complaints and 1 review in the last 3 years.
  • Sales & Marketing: One Connect Processing appears to hire independent sales agents and has received some complaints about its sales practices.
one connect processing list of services
Some of the services advertised by One Connect Processing.

One Connect Processing Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support No
Most Common Complaint Sales Tactics

Low Complaint Total

We are currently able to locate a handful of One Connect Processing complaints, some of which accuse the company of being a ripoff or a scam. Commonly cited issues include persistent telemarketing, undisclosed fees, misrepresented rates, poor customer service, and difficulty canceling service. These complaints are very similar in tone to those filed against United Card Solutions, National Card Solutions, and Riverside Payments.

One Connect Processing Lawsuits and Fines

One Connect Processing was named as a defendant in two 2020 lawsuits concerning First Data and excessive robocalling. One such class-action suit was dismissed, while the other is ongoing as of the writing of this review. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

One Connect Processing Customer Service Options

The One Connect Processing website provides an email contact form for customer support but does not list a dedicated customer support number. We will assign One Connect Processing a “C” rating in this category, and the company’s current customer support options do not qualify it as a top-rated customer service processor.

One Connect Processing Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 6
Billing & Collection Complaints 1
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

One Connect Processing has no rating with the Better Business Bureau and is not BBB accredited. The company has received 8 complaints in the past 3 years. 6 complaints were related to product or service problems, 1 had to do with advertising or sales issues, and 1 related to billing and collection issues. The company has resolved 0 complaints to the satisfaction of the merchant. All 8 were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

One Connect Processing has also received 1 informal review. The most recent complaint claims One Connect does not handle its own accounts:

They do not handle their own accounts in house. They “outsource” their information to Merchant Solutions. Merchant Solutions, however is not a credit card processing company. They are invariable paper pushers and will 24-48 hour your service needs to death IF you can even get someone who knows what paperwork to submit and/or the proper protocol regarding your request. I would recommend that you avoid this company, both One Connect & Merchant Solutions at all cost.

Merchants who find themselves in this position may benefit from taking the appropriate steps to cancel their account without paying a fee.

A “C” Performance

Given the company’s complaint record, we agree with the BBB’s rating at this time.

One Connect Processing Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Early Termination Fee $495
PCI Compliance Fee $79/mo
Equipment Lease Terms 48-month (locked)

Three-Year Contract

According to merchant complaints and official documentation (available below), One Connect Processing’s standard contract is a three-year agreement through First Data (Fiserv) with a $495 early termination fee, a four-year lease with a $79 monthly fee, and an effective per-transaction rate between 5% and 10% of all transactions. Most merchant complaints describe hidden fees and higher rates than they were initially presented, but none of them have explicitly listed the full array of unexpected costs in their monthly bill. We encourage merchants to check out our list of the providers of the best merchant accounts.

Industry-Average Pricing

The combination of a three-year contract with a $495 termination fee and a four-year lease totaling over $3,500 is an undesirable set of terms that merchants should reject outright. This pricing model is restrictive and expensive, and we do not consider One Connect Processing’s pricing to be competitive with the cheapest merchant accounts. See the One Connect Processing North Program Guide and the One Connect Processing Wells Fargo Program Guide.

One Connect Processing payment processing
One Connect Processing does not reveal much about their services on their website

One Connect Processing Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

Inside/Outside Sales Team

One Connect Processing appears to rely on a combination of outbound telemarketing and independent sales agents to market its services. This combination is commonly linked to elevated complaint rates, and we are currently able to locate multiple One Connect Processing complaints that mention persistent telephone calls, misrepresented rates, and undisclosed fees. This does not compare favorably to our list of best credit card processors.

Familiar Sales Pitch

Most complaints cite a sales pitch that sounds a lot like a pitch made by Securus, Chyp, United Card Solutions, and, most commonly, Riverside Payments: pay 0% for debit, 1% for credit, and $79 per month—that’s it. This sales angle is highly deceptive because it does not mention a number of undisclosed fees or the fact that the $79 per month is usually a four-year, non-cancellable lease for a credit card terminal worth $300. In general, if you hear a pitch along these lines, you should be wary of the sales agent you’re speaking to.

No Misleading Quotes

One Connect Processing does not list any unrealistic rate quotes in its official materials. However, the company is reportedly using them over the phone as part of its standard pitch. If you have signed a contract with One Connect Processing, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our One Connect Processing Review Summary

Our Final Thoughts

An Average Choice for Most Merchants

According to all available information, One Connect Processing rates as an average to below-average merchant services provider. The company appears to engage in sales tactics that are associated with low-rated providers, and its contract terms are more expensive than industry averages. Merchants are strongly encouraged to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did One Connect Processing Treat You?

2 User Reviews

  • Ivan Ishihara

    Your article was very insightful. Very accurate description of One Connect deceptive claims to low fees. Flat out lies, and no mention of the early termination penalty.
    Where would a complaint be posted for the highest benefit of exposure?

    • CPO


      Leaving a detailed complaint of your experience with One Connect Processing right here would be great. We typically review our comment section for patterns of behavior, policy changes, etc. and highlight that feedback in our reviews. Thanks for your insight.

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