Merchant One Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Businesses that need Point-of-Sale (POS), mobile, and virtual payment services

Specializes in

Mobile payments, POS payments including credit card terminals, ACH processing, payment gateway for online payment processing, recurring billing support, QuickBooks, and customizable API.

Pricing Summary

Setup Fee: $0

Monthly Fee: $25

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $750

Contract Terms:

3 Years
Visit Merchant One

Merchant One is a medium-sized merchant account provider that resells the payment processing contracts of financial services company, Fiserv. As a Fiserv distributor, Merchant One offers the full array of Clover terminals.

The firm is registered with United Bank Card and located in Miami, Florida. Merchant One prides itself on an efficient setup process, accessible customer service, and the variety in its financial products and services.



Merchant One Overview


As a Fiserv reseller, Merchant One does not manufacture payment terminals but instead sources them from Fiserv. Some terminals are offered at no expense, but most come with a sales charge. The popular Fiserv Clover terminals all come with an extra equipment charge.

Headquartered in Miami, Florida, Merchant One operates as an independent sales organization (ISO) under the United Bank Card umbrella. With a customer base of approximately 100,000, Merchant One ranks as a mid-sized payment processor.

NOTE: Merchant One is often confused with the company One For Merchants, which exists as a completely different merchant account reseller.

Merchant One currently has an A+ rating on its profile with the Better Business Bureau. At the same time, customers have filed 33 complaints against Merchant One with the BBB between the years 2017 and 2020 but most complaints appear to have been resolved to satisfaction.

Our research found no lawsuits or FTC complaints against Merchant One.

Quick Facts

Head Quarters

Miami Beach, FL

Year Founded



Jim Saka



Merchant Provider Risk Tolerance

What We Like

For businesses in North America who need merchant accounts and payment processing.

Offers guaranteed rates that will not change.

Technology in use is up to date, reliable and affordable.

Offers gift cards and loyalty programs.

Is available for all business sizes.

What We Don't Like

Early termination fee.

Limited to online sellers.

Has a low risk tolerance.

Contracts for leased equipment cannot be canceled.

Equipment arrival date may be longer than anticipated.

Industries Served

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Bail Bonds
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Healthcare
  • Hosting
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Legal
  • Marijuana / Cannabis
  • Marketing Agency
  • Medical
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • International
  • Digital Downloads
  • Discount Buying Club
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support
  • Wholesale

Merchant One Products & Services


Hardware and Software

Merchant One provides a large selection of equipment. Most equipment comes with a sales charge and the company no longer offers equipment lease contracts. Customers can obtain one free credit card terminal but only for the Pax S80, VeriFone VX520, and First Data FD-130 models, all three of which support both EMV and NFC payments.

Merchant One offers the Clover Station and Clover Mini POS systems. Merchant One also provides Clover Flex and Clover Go for mobile payments. Additional equipment includes the Magtek ADynamo, the BBPOS Chipper, and the Swift B250 SwipeSimple.

Value-Added Services

Merchant One's customers get partnered with a dedicated account representative and have access to 24/7 customer service. New customers can accept credit cards as soon as they sign up, and all customers enjoy next day funding on all transactions. The company offers price-matching to beat the price of any competitor.

Supported Payment Types

The company supports several payment types including retail card swipe, mobile payments, check processing, and gift/loyalty programs. Merchant One also offers transaction processing for Card-Not-Present transactions. The firm also offers cash advances, though its website does not specify rates or terms.

Merchant One Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Merchant One Billing & Invoicing

  • Contact Database
  • Mobile Payments
  • Online Payments
  • Payment Processing

Merchant One Advertising & Sales

Although customers have filed a number of complaints against Merchant One, none of those complaints are specifically related to hidden fees or deceptive practices.

Merchant One handles all of its marketing through in-house sales agents. 

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Merchant One Pricing, Rates & Fees


Merchant One does not disclose its pricing structure so potential customers must contact the firm directly for a price quote. However, the firm's prices are allegedly negotiable and Merchant One claims to be able to match any competitor's price.

Merchant One's contracts generally receive positive feedback for not including long-term equipment leases. At one time, three-year contracts were required, but those are a thing of the past. Merchant One now offers fully cancelable contracts. Unlike many processors, Merchant One’s contracts have no automatic rollover, preventing customers from getting trapped in a contract if they miss the due dates for cancelation.

Pricing at a Glance

Pricing Model

UnknownTiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee


PCI Compliance Fee

$100 Per Year

Equipment Lease Terms

36-60 Months (locked)

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Merchant One Contract & Terms

Merchant One offers a variety of contract options. New customers can contact the company to find out their options. As of November 2020, the company is offering $0 cancellation fees.


Contract Length

3 Years

Early Termination Fee


Merchant One Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Merchant One Complaints, Ratings & Reviews

TrustPilot gave Merchant One an average rating of 4.8 out of 5 stars from 2,859 reviewers. 93% of reviewers rated their experience as excellent while 5% rated it as great, 1% as average, and 0% as poor or bad.

Most reviews praise Merchant One's customer service team and the company's onboarding process. Some common complaints, however, include confusion with the contracts' terms of service, unclear pricing models, and difficult-to-decipher statements. 

Many customers have also expressed dissatisfaction with the firm's pricing. Some note that the price for processing rewards cards is higher than for regular credit cards, resulting in higher than expected fees.

Nonetheless, with over 100,000 clients and only 33 complaints over its three-year operational record, Merchant One ranks highly for its customer service and truth in advertising. 




A+ (46 complaints)






1.5 Stars / 12 Reviews


Total Online Reviews


Total Online Complaints




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