MerchantOne Review


MerchantOne, a merchant service provider, has been in business for more than 12 years and provides a simple and reliable credit card processing service. MerchantOne offers low fees for transactions, same day approval and many other benefits. This processing service also has powerful fraud protection and because approval is fast, merchants can start accepting debit and credit cards in as little as 24 hours after their application has been submitted. Additionally, users will enjoy online account management, a loyalty card program and low swipe rates. Merchants will also enjoy 24/7 customer support and best of all there are no setup or application fees.

Visit MerchantOne


MerchantOne does not charge clients more than necessary and that is why there are no cancellation fees or contracts at this processing service. Businesses are required to pay low monthly fees and they will never be required to sign a contract. In addition, the services at MerchantOne are dependable and all fees are transparent – there are no surprise fees or hidden fees. Through MerchantOne, businesses can accept all major credit cards and debit cards and they will also receive top quality terminals at no additional cost.

Terminals can cost $300 or more but MerchantOne provides these pieces of equipment at no cost and there is absolutely no obligation and there are no extra fees. New businesses will truly benefit from the high quality solutions and low fees at MerchantOne. Best of all, there is no need to go through a broker or intermediary. This credit card processor provides a simple, affordable and hassle-free credit card processing solution.

Service Ideal For:

The payment processing services at MerchantOne are great for phone order businesses, wireless companies, retail stores, ecommerce or online businesses and restaurant owners. Start-up companies and small businesses may also want to consider MerchantOne for their payment processing needs. In addition to cash advances, the transaction fee for debit cards is 0.39%. MerchantOne provides businesses with secure transactions to prevent fraud and low overall fees. Merchants that process more than $5,000 in transactions every month are eligible for a MerchantOne account.

Sign Up Process:

To apply for an account at MerchantOne, you can start by providing your details on the MerchantOne website. There is no online application form but you can enter your transaction amounts, business information and contact information. You will then be contacted by a MerchantOne representative. This processor has an average approval rating of 98% and even businesses that do not have the best credit rating may still be approved. Additionally, if you need more funds for your business you can get a cash advance from MerchantOne so your business can continue running.


With MerchantOne, businesses will enjoy a low 0.39% rate on transactions. This company seeks to offer the lowest transaction fees based on their competitors. There is a $9.95 monthly maintenance fee but there is no early cancellation fee or setup fee. Merchants can maintain a month-to-month contract without any penalties or hidden fees – cancellation is permitted at any time. Because there are no setup fees, small businesses and starts-ups can benefit from MerchantOne as long as businesses hit the monthly minimum number of transactions.

Basic Pricing


Credit Card Fees - Retail

0.39% - 1.59%$0.19$0.00

Online Account Fees – No Card Present

0.39% – 2.05%$0.20$0.05

Ease of Use:

The payment processing at MerchantOne is simple and easy to use. This service accepts debit cards and credit cards including TeleCheck and Star. Customer service is also available 24 hours a day, 7 days a week. You will also receive free support to help with your setup in order to ensure that virtual and physical terminals are ready to accept payments. MerchantOne also offers gift cards and loyalty programs for businesses. These programs help businesses to expand to increase overall customer approval and acquire more customers.

Visit MerchantOne


Advertising Disclosure

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.


Top 5 Merchant Services Sites