One For Merchants Overview
One For Merchants May Have Overcharged You
If you accepted credit cards through One For Merchants or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.
Updated 3/8/2019: At this time, One For Merchants appears to be a defunct organization. The BBB reports that mail sent to the business on 06/26/2017 was returned by the U.S. Postal Service, and its profile with the Utah Business Registry expired as of 05/29/2018. All evidence suggests that One For Merchants is an inactive brand at this time, but be aware that it could be doing business under a different name. If you have any knowledge of One For Merchants’ status (whether it is still active, operating under another name, or no longer in business), please leave that information in the comment section below this review.
One For Merchants (oneformerchants.com) is a recently created merchant account provider that appears to be a new entity created by, or at least closely connected to, the founders of ElitePay Global. Like ElitePay Global, One For Merchants is a reseller of NPC contracts. The company does not list any information about its ownership or location on its website, but its profile with the Utah Business Registry lists an address at 90 East Fort Union, Ste 100, Midvale, Utah 84047. ElitePay Global also operates out of Utah.
Based on our own independent research and information provided by commenters, it appears that One For Merchants shares executive leadership and business operations with ElitePay Global, an “F” rated provider on CPO. A commenter on our ElitePay Global review has stated that Zach Brown and Simon Crapo are the owners of One For Merchants, but that they manage the company in collaboration with Andy Bentley and Brian Bentley of ElitePay Global. The commenter’s claim is supported by the fact that the registered agent for One For Merchants is Kevin Cornett, a former vice president of client relations at ElitePay Global and former manager at Ironwood Payments.
Multiple third-party websites list the company at One For Merchants’s address as “3B Enterprises dba One.” The Nevada business registry lists Kevin Cornett as a manager at 3B Enterprises. The Nevada business registry also lists Brian and Andy Bentley as officers at “3B Ventures,” a name which bears a clear similarity to the name 3B Enterprises.
Perhaps the most convincing piece of evidence in support of the commenter’s claim is the fact that a December 2014 screenshot of the One For Merchants homepage shows marketing copy that mentions ElitePay Global twice by name. It is unlikely that an unaffiliated company would mention ElitePay Global on its homepage. The geographic proximity of One For Merchants to ElitePay Global, the involvement of Kevin Cornett, the direct mention of ElitePay Global on the company’s website, and the information provided by the commenter strongly indicate that there is an undisclosed connection of some kind between ElitePay Global and One For Merchants.
Simon Crapo is the sales director at One For Merchants. It should be noted that One For Merchants shares a location with a marketing company called Momentum Business Solutions, which employed Simon Crapo as its sales manager as recently as June 2015. It is unclear whether Momentum Business Solutions is also a Bentley-affiliated subsidiary.
- Sales & Marketing: One For Merchants appears to hire independent sales agents and has received some complaints about its sales practices.
- Costs & Contract: One For Merchants offers a three-year contract through NPC/Vantiv with a liquidated damages-style early termination fee.
- Complaints & Service: One For Merchants has received fewer than 10 public complaints.
- BBB Rating: One For Merchants has an “F” rating with the Better Business Bureau and has received three complaints in less than two years.
- Rates & Fees: How Merchants Got The Best Rates With One For Merchants
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