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Merchant One Merchant Services Review (2023)

Custom merchant and payment processing solutions
By Paul KilingaBy Paul Kilinga -
Last Updated: Jun 29, 2023
7,693 reviews
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0.29%-1.55% per swiped card transaction
Contract length
3 years
Free equipment
Yes, basic credit card terminals

Is Merchant One Worth It? 

Merchant One is a credit card payment processing company that also resells Clover point-of-sale (POS) products to help merchants trade and collect payments. While its custom solutions and pricing address customers’ needs, there have been complaints about unclear billing. Moreover, I think its customer service could be better. Nevertheless, if you’re looking for custom payment processing and merchant services, I think Merchant One is worth considering.

0.29%-1.55% per swiped card transaction
Contract length
3 years
Free equipment
Yes, basic credit card terminals

Merchant One at a Glance

Editorial Score

Low Rates

Rates vary from 0.29% - 1.55% (qualified swipe) to 0.29% - 1.99% (qualified keyed in)

Low Fees

No additional fees

Payment Services

Credit card payment processing, mobile payment processing, payment gateway, POS system

Additional Benefits

POS system, dedicated account managers, adheres to the Payment Card Industry Data Security Standard (PCI DSS)

Customer Support

24/7 customer support by phone (800) 910-8375 or email

Merchant One Pros & Cons


Dedicated account managers
State-of-the-art systems
Customized solutions for different businesses


No free trial
Online complaints about billing and pricing

Top Merchant One Reviews

Muhummad haris
great talk solve my problem on phone…
great talk solve my problem on phone nice guy great experience thanks andre
Everything from start to finish was…
Everything from start to finish was top-notch. They stay on top of any issues respond quickly and resolve issues effectively.
Gerard Marshall
TASHEACA Was calling to make sure I…
TASHEACA Was calling to make sure I received my machine. I also had the pleasure of her helping complete my compliance with me. She was very helpful and polite.
See all Merchant One reviews

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Merchant One Merchant One Visit Site

Merchant One at a Glance

What is Merchant One?

Merchant One is a payment processing solutions provider for merchant businesses large and small. It helps you process credit card payments quickly and securely, collecting the transaction money for you and transferring the funds to your bank account. While other payment processors may refuse to do business with people with low credit scores, Merchant One highlights its 98% approval rate for those types of applicants.

Merchant One also resells Clover POS systems and was bought by Clover’s parent company Fiserv in December 2022. This partnership enables Fiserv to reduce its operating costs, which may lead to reduced pricing for Merchant One. Clover products and Merchant One already work well together, but further integration may do even more to help merchants process customer payments conveniently, using top-notch and secure technology.

Ideal for 

  • Restaurants

  • Small and large businesses in various industries—retail, restaurants, hospitality, Ecommerce, etc.

  • Applicants with low credit scores

Merchant One features

Merchant One’s top features include the following: 

Credit card payment processing

Merchant One offers credit card retail swiping, keyed-in card transactions, high-speed payment processing, stationary or on-the-go payment terminals, receipt printing, customer management tools, and more.

Mobile payment processing

Merchant One provides a secure way of processing credit card transactions through your iPhone or Android device. You can use mobile credit card terminals that help you handle transactions on the go.

Payment gateway

Merchant One has a payment gateway that enables merchants to be successful online with an Ecommerce store. The gateway offers secure keyed-in transactions, recurring payments, invoice generation, 175 shopping cart integrations, hosted checkout, fraud detection tools, and more.

POS system

As a Fiserv reseller, Merchant One offers state-of-the-art Clover POS systems—Clover Station, Clover Mini, Clover Go, and Clover Flex—that make running your business, taking orders, and processing payments seamless. Merchant One also provides free training to its customers on using Clover products.

Dedicated account managers

Processing credit card payments can be challenging if your business needs continue evolving. Merchant One assigns a dedicated account manager to guide you in customizing its solutions to fit your business’s payment requirements.

Is Merchant One Safe and Reliable?

Merchant One has a high 4.9/5 rating on Trustpilot, but only 1.97/5 on the Better Business Bureau website. Positive reviews cite Merchant One’s user-friendly software and helpful customer service agents. However, there were complaints about billing, unclear pricing, cancelation fees, being misled by sales agents, and more. I’d therefore recommend that you discuss all the contract terms with an account manager before signing up for the service.

Regarding performance reliability, Merchant One solutions are customized for your business, meaning they’ll work well in busy environments or peak periods. The company says it uses data protection and fraud detection tools to keep customer information and credit cards safe. For example, it adheres to the Payment Card Industry Data Security Standard (PCI DSS). This requires companies that store or process cards to protect cardholder information.

How Merchant One Works

Once you’re an account holder and have paid the custom business fees, Merchant One will send you free basic credit card processing terminals, as well as any advanced POS systems you’ve leased from them. The company will provide free training on using Clover POS products. 

You’ll be able to begin transacting once everything is set up. The company will charge the agreed-upon payment processing fees, collect your business’s transaction revenues on your behalf, and deposit them in your account.

How To Get Started With Merchant One / How To Sign Up for Merchant One

To get started, you can contact customer support by email or through the online form on the website. You can also sign up by clicking the “Get Started” button on the Homepage. This will direct you to a registration page where you can get a free quote. The registration details include your business name, first and last name, email address, and phone number.

You can also sign up by phone. During your call, a dedicated account manager will guide you through setting up your account, customizing the service for your needs and addressing any other questions you may have. Once you agree to the contract terms, the registration is complete, and a welcome team will ensure everything’s in order so your business can begin accepting payments. 

The entire process is straightforward, and account setup and approval usually take about 24 hours.

Application process

Typically, when applying for a merchant account, you’ll need to give your identification details, credit score information, bank statements, and card processing history. You must also be the owner of a legitimate business and provide the employer identification number (EIN) and other company details, such as location. 

Merchant One Customer Service

Merchant One provides customer service via phone, email, and an online contact form. I believe live chat should be a standard feature for every customer support, but this service isn’t available. 

I tested the company’s claim about providing 24/7 support but couldn’t get any response via email. For phone calls, the new accounts phone line played an out-of-office message, whereas the customer support line kept sending me to voicemail.

There are no FAQs or supporting documentation in the form of blogs and guides. The website provides some information about Merchant One’s services, but I thought it should add more.

How To Cancel or Pause a Merchant One Subscription

To cancel a Merchant One contract, you must pay an early termination fee of about $300 or more per year left on the three-year contract. Many of the negative online reviews relate to complications with canceling a contract. Note that Merchant One requires written notice of termination, or it will continue billing you. You’re also expected to return its hardware as per the contract you agreed, or you’ll incur an additional fee.

Is There a Merchant One App?

No, Merchant One doesn’t have an app. However, if you buy a mobile card reader like Clover Go 3rd Gen, it will have a mobile app that turns your device into a mobile POS (mPOS) system.

Merchant One Pricing

How Much Does Merchant One Cost?

Merchant One offers flexible, custom pricing depending on the size of your business, your industry, transaction volumes, etc. There is no free trial version. The table below gives a snapshot of what to expect, but the prices may vary for each company.

Cost per month


Annual fee


Cost per keyed-in transaction


Cost per swiped-card transaction


Interchange fees


Merchant One does well against its competitors in terms of credit card processing fees, charging 0.29%-1.99% compared to the industry average of about 1.29%-3.5%.

Optional add-ons

Additional products available include the following: 

  • Clover Terminals: Clover Station DUO WiFi at $1,825; Clover Station Solo at $1,650; Clover Flex 3rd Gen at $650

  • Countertop Terminals: Clover Mini 3rd Gen at $825; Dejavoo QD4 at $365; FD-150 at $325; PAX S80 at $175; FD-150 and RP10 Combo at $525

  • Mobile Card Readers: Clover Go 3rd Gen at $125; Swift B250 at $105

  • Receipt Paper: $1 per roll

Merchant One Alternatives

How Does Merchant One Compare to Other Merchant Services?

Merchant One




Best for

Custom pricing and merchant solutions

Small businesses

Comprehensive Ecommerce solutions

Businesses of all sizes


$13.95 per month

0.29%-1.99% per keyed-in transaction 

0.29%-1.55% per swiped card transaction

$9.95-$39.95 per month

2.3% or 2.7% + $0.10 per transaction for in-person purchases

3.5% + $0.10 per transaction for virtual or keyed-in payments 

$39-$399 per month

2.4% or 2.7% + 0¢ USD per transaction in person

2.4% or 2.9% + 30¢ USD per transaction online

$0 to custom price per month

2.6% + 10¢

per tapped or swiped transaction

2.9% + 30¢

per online transaction

3.5% + 15¢ per keyed-in transaction

Contract length

3 years


Month-to-month, or yearly

Depends on plan

Free equipment





Same-day approval





Same-day funding

Next-day funding

24-72 hours

24-72 hours


Merchant One Merchant One Visit Site

Merchant One vs Clover

Clover and Merchant One are now part of the same company (Fiserv), and Merchant One resells Clover products. Clover’s prices can rise much higher than Merchant One’s due to its higher per-transaction charges and the additional costs of purchasing its products and integrated software. Clover offers a 30-day free trial, whereas Merchant One has no free trial period.

Merchant One vs Shopify

Shopify is geared toward Ecommerce and costs more than Merchant One, which focuses more on payment processing. Merchant One doesn’t have a free trial, but Shopify offers you three days to test its service. Moreover, Shopify has better customer support, with live chat, email, and phone, whereas Merchant One doesn’t have a live chat function.

Merchant One vs Square

Square offers quality POS solutions for businesses of all sizes but charges more per transaction than Merchant One. Square has a plan with no monthly fees that only charges for credit card processing, whereas Merchant One doesn’t have any free plan. Like Merchant One, Square doesn’t have live chat and also delays in responding to emails.

Bottom Line (Is Merchant One Worth It?)

Merchant One has essential features for credit card payment processing and POS systems that can be tailored to meet your business requirements. I like that the service is customized, and its connection to Clover means the POS products will be high-quality and state-of-the-art hardware. 

Nevertheless, the company’s pricing and billing practices raise safety concerns, and it’s vital to review the contract details carefully before signing. Overall, Merchant One compares well with rivals and may be worth considering.

Frequently Asked Questions
Who owns Merchant One?+-

Merchant One is owned by Fiserv, a global leader in payments and financial technology. Fiserv purchased Merchant One in December 2022 for about $300 million. It’s a move that was aimed at extending the market for Clover POS products and reducing operating costs.

What app does Merchant One use?+-

Merchant One doesn’t offer an app for iPhone or Android. Rather, if you use a mobile card reader like Clover Go—sold by Merchant One—it comes with an app that can transform your phone into a mobile POS (mPOS) system.

How long does Merchant One take to deposit?+-

Merchant One promises next-day funding, but there are instances where customers have said it took several days for the transaction to appear in their accounts.

Paul contributes to as a technology and business writer. He has over 5+ years of experience crafting informative, research-driven articles for B2B and B2C audiences. Paul's work has appeared on such websites as TechRadar Pro, Tom's Guide and Southeast Asia's Tech Collective in domains as diverse as cybersecurity, eCommerce and entrepreneurship, in addition to gracing the blogs of a slew of private B2B SaaS and tech start-ups.

Merchant One reviews

Excellent • Reviews 7,693
Sort by
Muhummad haris
11 hours ago
great talk solve my problem on phone…
great talk solve my problem on phone nice guy great experience thanks andre
14 hours ago
Everything from start to finish was…
Everything from start to finish was top-notch. They stay on top of any issues respond quickly and resolve issues effectively.
Gerard Marshall
17 hours ago
TASHEACA Was calling to make sure I…
TASHEACA Was calling to make sure I received my machine. I also had the pleasure of her helping complete my compliance with me. She was very helpful and polite.
Tim Faulkner
19 hours ago
Shakira was helpful and got me what I…
Shakira was helpful and got me what I needed!
Merchant OneMerchant One
7,693 reviews
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