Merchant Focus Review

Bottom Line

Merchant Focus is a full service Merchant Account and payment gateway provider, providing the ability to accept credit card payments for Internet, mobile, mail/phone order, and retail businesses.

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Merchant Focus Highlights

  • Big focus on mobile payment technology – TakeCharge turns your mobile device into a secure credit card terminal
  • Offers premium accounts with no monthly fees
  • All established merchants qualify for "Interchange-Plus" pricing.


  • Whole range of solutions – with a big emphasis on mobile POS systems
  • Comprehensive site - lots of information up-front
  • Partner with Authorize.Net, the industry leading payment gateway for safe and secure online payment processing.


  • No online live-chat function
  • Site design over all looks a little dated - and not massively mobile friendly

Ease of Setup

Although the Merchant Focus website itself does seem a little dated, and also isn’t massively mobile friendly (but is more manageable on tablet); the actual signing-up process for its services has been made as intuitive and as straightforward as possible.

Plenty of information covering all areas of the service and equipment is included in the left-side menu bar, so it’s easy to find out all you need pre-sales. Some credit card processors and merchant service providers can often make this difficult. However, many customers will find this refreshing, as they’ll be able to find out more in their own time, without feeling pressured into calling to find out more of the most basic information.

It’s also really nice to see that there are specific pages aimed at different types of businesses and requirements - such as not-for-profits and only customers. There’s also a 30 day Money Back Guarantee on almost every product offered which is reassuring.

First Merchant Focus home page


Merchant Focus offers all the usual credit card and payment processing options you’d expect from a leading provider - covering everything from retail processing and point of sale systems, to only accounts.

However, its standout feature, must surely be its focus on innovating mobile payment gateways for its customers. Especially those of course with a more mobile business offering, such as those selling as fair or market traders, or creative professionals such as photographers and artists.

TakeCharge is Merchant Focus’ flagship mobile payment offering – allowing access to the highest quality Credit Card Processing and Payment solutions. Highlight features that will surely appeal most to e-commerce and mobile business owners include being able to accept all major Credit Cards on websites and ebay, and deposit directly into a personal or business checking account. Not to mention the benefit of real-time payment gateway and virtual terminal.

TakeCharge also offers QuickBooks integration as standard, where Settled Transaction Reports can be downloaded easily. What’s more, there’s no application Fees, Annual Fees, Batch header fees, or Address Verification (AVS) Fees, no leasing, and no termination penalties.

Customer Support

Merchant Focus really makes great efforts to be there for its customers - and provide all the information that they likely need, up front on the site itself. The direct dial number is very prominent on the site, along with a bold ‘Apply now’ button to start the quotes process. The links to their social media pages, where they seem responsive to replying to comments and queries, are also prominent at the top of the page.

There’s also a great FAQ page, support page, and testimonials page. These pages are quite often hidden down the bottom of the site, so take a bit of work finding. Everything about the site seems really transparent, and they seem to want to be as clear as possible at the outset, about every area of their offering to business owners.

First Merchant Focus services page

Rates &Fees

Pricing wise, Merchant Focus’ rates and fees differ according to the processing needs of its customers and their individual situations and nuances of their businesses – such as volume of transactions, and types of business and customers.

Rates wise, MOTO transactions are listed as 2.19% plus $0.24, with a statement fee as $10, and monthly minimum fee as $15. Interchange-plus pricing is offered, but is by no means a big focus.

Over all, Merchant Focus offers clear, month-to-month contracts, with no cancellation fees, which will be really attractive to many providers. They don’t appear to offer any kind of free trial, but most customers will be happy with this ease of cancellation. However, business owners should be aware that the company does require written notice should customers wish to cancel, and not incur a penalty. There’s also a 30 day Money Back Guarantee on almost every product offered.

Processing Options

Merchant Focus is partnered with for its payment gateway and e-commerce processing offering. They also acts as the processor for the mobile credit card processing services Inner Fence and AppNinja’s Swipe. All of these come with the highest level of security.

Accepted Payment Types

In line with the vast majority of other credit card processing providers in the industry, it goes without saying that Merchant Focus offer the full gamut of payment types, including Visa, MasterCard, American Express, Discover, Apple Pay, Samsung Pay, and Android Pay. However your customers want to pay electronically, Merchant Focus has you covered.


If you’re a business owner looking for the latest technology in mobile payment gateways, then Merchant Focus could well be the one for you. Month-to-month contracts as standard, competitive pricing and great customer service, and no cancellation fees.

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