Merchant One
Payment gateways
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$13.95 per month
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Retail and wholesale
- Accommodation and food services
- Healthcare and life sciences
What is Merchant One
Merchant One is a merchant services provider that offers card payment processing for businesses, typically bundling payment gateway access, merchant accounts, and point-of-sale options. It targets small to mid-sized merchants that need to accept in-person and online payments and want a provider-managed onboarding and support model. The offering commonly includes pricing and underwriting handled through a sales-led process rather than purely self-serve signup, with integrations and hardware options depending on the merchant’s setup.
Full-service merchant account setup
Merchant One provides merchant account and payment processing services rather than only a standalone gateway. This can simplify underwriting, onboarding, and ongoing account management for businesses that prefer a single provider relationship. It also supports common card-present and card-not-present acceptance scenarios, which helps merchants run both in-store and online workflows.
Multiple acceptance channels supported
The product is positioned to support in-person payments (via terminals/POS) and online payments (via gateway/ecommerce connections). This is useful for merchants that operate across channels and want consolidated processing. Compared with solutions focused mainly on one channel, this can reduce the need to maintain separate providers for different payment types.
Provider-led support model
Merchant One operates with a sales and support-led approach, which can help merchants that need guidance on setup, compliance, chargebacks, or hardware selection. For organizations without payments expertise, having a direct account contact can reduce implementation friction. This model can be preferable to purely self-serve platforms when requirements are non-standard.
Pricing transparency can vary
As with many sales-led merchant services providers, pricing and contract terms may be provided through quotes rather than being fully standardized online. This can make it harder to compare total cost (rates, fees, equipment, and add-ons) across providers. Buyers often need to review the merchant agreement carefully to understand all recurring and incidental charges.
Integration depth may be limited
Merchant One’s integration options can depend on the specific gateway/terminal stack offered to the merchant. Businesses needing extensive APIs, advanced orchestration, or highly customized checkout flows may find fewer developer-centric capabilities than platforms built primarily for software-led integrations. Fit for complex global payment routing or multi-entity setups may require additional validation during evaluation.
International coverage not primary focus
Merchant One is typically oriented toward US-based merchant acquiring and may not match the breadth of local payment methods and multi-country acquiring offered by more globally focused payment platforms. Companies operating across multiple regions may need additional providers for local methods, settlement, or compliance. This can increase operational complexity for international expansion.
Plan & Pricing
Pricing model: Pay-as-you-go (transaction-based; interchange-plus option available) Free tier/trial: Free plan: Unavailable; Free trial: Unavailable Example costs:
- Set Up Fee – $0.00 (listed on official pricing section)
- Monthly Fee – $13.95 per month
- Qualified Swiped Rate – 0.29% - 1.55%
- Qualified Keyed-in Rate – 0.29% - 1.99%
- Interchange Plus – Available
- Terminal Placement Program – Available
- Equipment Lease Terms – Flexible lease terms Notes: Rates above are for qualifying rates; the merchant processing agreement/quote overrides the above table. For full rates, fees, and terms, Merchant One directs merchants to request a quote and refer to the executed merchant processing agreement.
Seller details
Merchant One
Miami Beach, Florida, USA
2002
Private
https://www.merchantone.com/
https://www.linkedin.com/company/merchant-one/
