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Merchant One Review

Editor's Rating:
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Setup Fee
Risk Accepted
All are Eligible
Retail Rates
0.29% - 1.55%
Internet Rates
0.29% - 1.89%
Per Transaction
$0.17 to $0.21

Merchant One caters to more than 100,000 merchants, making them one of the fastest growing processing companies in the United States today. Many merchants switch to Merchant One because of their competitive rates and transparent approach to payment processing.

Before signing up, Merchant One will ask all the right questions to ensure you are truly saving money by switching to their service. Likewise, any merchants who are new to payment processing will be guided through the learning process by Merchant One’s knowledgeable account representatives, who will ensure the right service is recommended.

Processor Highlights
  • Retail, eCommerce, Wireless, MOTO
  • Next-day funding on all card types
  • Free equipment programs available
  • 24/7 customer support
  • 98% approval rate
  • Free training programs
  • Online reporting available
  • Check processing services
  • Gift card and loyalty programs
  • Dedicated account managers
  • Complete fraud protection
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When it comes to pricing, all merchants want to save as much as possible. When you apply to Merchant One, their trained sales representatives will provide an assessment of your current processing statement and highlight specific ways in which you could be saving money by doing business with them.

Merchant One also doesn't charge any application fees or setup fees. There doesn’t seem to be a full list of rates on their site, but for wireless processing their swipe rates start at just 0.29%.


shopping carts and QuickBooks, and fully integrates with PC/Apple point-of-sale software. There are also several customer management tools integrated into the Merchant One gateway plug-in.

Customer Service

Merchant One provides 24/7/365 customer support, and gives its merchants extensive access to back-end transaction data. Merchant One is also a registered ISO/MSP of Wells Fargo Bank, NA, and a registered ISO/MSP of First National Bank of Omaha. This means they can support and reprogram almost any credit card processing device.

Merchant One provides "Next-Day Funding" to retail businesses. While most processors only offer "Next-Day Funding" for Visa/MasterCard, Merchant One offers this service for American Express and Discover deposits as well.


There’s a reason over 100,000 merchants have switched to Merchant One. Although they don’t have a clear list of rates outlined on their site, they have quick turnaround, high approval rates, and offer tons of incentives. Interested merchants can contact Merchant One’s trained sales reps and receive a detailed rate plan, as well as a comprehensive analysis of their potential cost savings.

Call Merchant One today to see if they’re right for you!

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