Merchant One Review

flag 98% Approval rate
  • Flat-rate pricing & no setup fees

  • Dedicated account manager

  • 24/7 unlimited support

  • Easy mobile payments solution

Pros & Cons

  • High Approval Rate Regardless of Credit
  • Quick Setup
  • Quick Access to Funds
  • PCI Compliant
  • Merchant One requires a three-year contract
  • Services may be more expensive than others

Plans & Pricing

Merchant One offers plans with pricing starting at $10 per month, with fees ranging from 2.2% to 2.9% +$0.30 per transaction.



Merchant One is a financial technology company specializing in payment processing and merchant services for businesses of all sizes. The company offers a wide range of payment solutions, including state-of-the-art POS systems, mobile payments, and wireless programs.

In addition to efficient processing systems, Merchant One provides a rate guarantee to help businesses save money on transactions. With dedicated account support, Merchant One strives to offer a seamless and convenient payment experience for businesses and their customers.


  • "Price"
    7 /10
  • "Features"
    9 /10
  • "Ease of USe"
    8 /10
  • "Help and Support"
    10 /10

Features and Functionality

Merchant One provides a variety of credit card processing options for small businesses, including comprehensive payment gateways and virtual terminals.

Point-of-Sale System

Clover Point-of-Sale (POS) System

The Clover Station is a comprehensive system that allows for inventory and staff management. The Clover Mini, while compact, can grow with your business. Clover Go is an ideal solution for processing payments on the go, while the Clover Flex serves as an all-in-one device, replacing the printer, terminal, and register. Learn more in our in-depth review of Clover’s POS system.

Since Clover equipment and other credit card readers are compatible with various credit card processors, you have flexibility once you own the equipment, unlike with proprietary POS systems that lack portability.

Payment Gateway

Merchant One offers a payment gateway service with essential features like a virtual terminal, a customer vault for securely saving card details, an invoice generator, and the ability to set up recurring payments. The payment gateway also includes a QuickBooks plugin for seamless integration.

Mobile Credit Card Terminals

Merchant One offers multiple mobile credit card terminals that cater to businesses requiring a flexible and portable solution for accepting credit card payments.

Its mobile payment options are:

  • Clover Go
  • BBPOS Chipper
  • Swift B250 SwipeSimple
  • iProcess (either MagTek or Dynamo)

Invoice Generator

Merchant One’s user-friendly invoice generator allows for the easy creation of new and recurring invoices for customers.

Merchant One Shop

Merchant One also has an online store where you can easily order terminals, receipt paper, supplies and decals for your business.

Hardware Requirements

Merchant One is compatible with all devices and operating systems. For hardware, the Clover equipment is fully supported in-house by Merchant One and is easy to use.  This system also works with both iPhone and Android devices. Merchant One will help you pick the best mobile payment solution for your business.

Integrations & Add-ons

Merchant One boasts an impressive array of integration options. The payment gateway provides access to e-commerce solutions, including payer authentication, hosted checkout, advanced fraud tools, “buy now” buttons, and compatibility with over 175 shopping cart integrations, such as Shopify.

Merchant One also enables merchants to integrate their payment system with over 300 software apps, including various accounting apps, CRM programs like Salesforce, Zoho, and HubSpot, and other business software tools. This feature offers significant advantages, as merchants can create custom workflows between the Merchant One system and multiple third-party apps.

Ease of Use

The platform is user-friendly and straightforward to navigate. Businesses can easily log in to access virtual terminals, reporting data, customer management tools, and invoices.

Merchant One’s payment processing and merchant services are incredibly easy to use, even for those who are not familiar with payment processing systems. Their user-friendly interface and intuitive design make it simple for merchants to accept payments, manage transactions, and access data in real-time.

With a range of payment options available, including mobile payments, EMV chip card processing, and contactless payments, merchants can provide their customers with a seamless payment experience. Additionally, Merchant One’s 24/7 customer support and advanced security features, such as tokenization and fraud detection, ensure that merchants can process payments with confidence and peace of mind.

Overall, Merchant One’s payment processing and merchant services are a great option for businesses of all sizes looking for a reliable, secure, and easy-to-use payment processing solution.

Customer Support

When it comes to customer support, Merchant One offers 24/7 assistance, and it is commendable that their support is provided by actual human representatives. This approach makes resolving issues significantly more manageable compared to dealing with chatbots, navigating web support articles, or getting stuck in lengthy phone menus.

  • 24/7 Help & Support
    Technical assistance and support is provided by some teams 24/7 via phone, email or web chat.
  • Phone Support
    Phone support is available for any assistance or troubleshooting any issues.
  • Live Online Chat
    Web chat is available
  • Email
    You can reach out via email for support 24/7
  • FAQ
    There is an FAQ section available on their website

Final Word

Merchant One stands out as the best credit card processor for its flexible pricing options. Instead of adopting a one-size-fits-all strategy, the company collaborates with each business to develop a customized pricing plan tailored to its unique requirements. I recommend considering Merchant One to evaluate whether it’s the right fit for your company.

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Lee Payton

Lee Payton is a Marine Corps veteran, private investigator, 501(c)(3) vice president, marketing director, and entrepreneur. During his government years, he worked at the White House, deployed following the 9/11 terror attacks, and rose through the ranks to several managerial positions. He founded four successful businesses in the private sector, including a private investigative agency, a non-profit organization to conduct human trafficking rescues, a medical concierge service, and a digital marketing agency. He specializes in the formation, marketing, and growth of new businesses.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.

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