Based on my experience with Merchant One since September 2025, I have decided to cancel my service due to ongoing concerns regarding customer support and billing practices. During my time as a customer, I noticed that processing rates and fees were increased multiple times without prior notice. Each time, I had to contact the company myself to question the unexpected charges, and only then were the rates adjusted back to the originally agreed terms. In addition, the annual fee was raised without any advance communication or explanation. Most concerning, on March 19, 2026, my account was charged $347 related to fraudulent transactions. I immediately requested both a refund and clarification, and have followed up more than five or six times since then. Every representative I spoke with assured me the issue would be resolved, yet I never received any meaningful update or response. Instead, I was left to repeatedly follow up by email and phone, with many calls going unanswered. It was also disappointing to be asked to leave 5-star reviews while these serious issues remained unresolved. Under these circumstances, I cannot in good faith recommend this company. In my opinion, the level of service, transparency, and communication I received was highly unsatisfactory. Based on my personal experience, I would strongly encourage others to carefully consider alternative providers before choosing Merchant One. read more

Absolutely terrible experiences. Customer service is nonexistent. They promise callbacks and email responses within a certain timeframe and then completely disappear. No follow-up, no accountability, nothing. The fees are outrageous. Full of hidden charges and inflated rates that keep creeping up. They're not looking to help the customer. It's clear they don't value their customers at all. Good luck getting anyone to help when there's a problem. Avoid this company at all costs. There are far better, more honest processors out there. I've sent email for weeks that are not responded to. Marc Lindor, apparently a supervisor or manager, just spoke down to me on a call, and doesn't care about treating the customer properly. Since the company was sold a few years ago, they are horrible to work with. read more

You get promised lower fees and great customer service. NEITHER are true. Review every detail of your agreement before signing and compare to your previous provider. You'll find you aren't going to save anything. Also - get everything in writing. Their sales people will tell you anything to get you sign up so they get their commission and then will abandon you. I was with Merchant One for three months and am forced to go back to my previous provider. I'm glad I didn't close my account with them. I would highly recommend staying away from these people. read more

I had a very disappointing experience with Merchant One / Clover. I was initially offered attractive rates and promised that I wasn't locking myself into a contract. Based on that conversation, I completed the signup link the representative sent me--only to find out later that the actual fees on my statement were much higher than what I had been told. When I tried to reach back out, the same representative stopped responding. I requested a copy of the call recording to clarify the agreement I was given, but was told that those calls are not recorded. That alone raised serious concerns. Since then, I've made multiple attempts to cancel my account and have explained my situation several times, including through email with another rep who acknowledged the issue and is supposedly closing the account. Yet I'm still being charged. This entire experience has been frustrating and misleading. I wouldn't recommend Merchant One to other small business owners based on my experience. read more

Merchantone - Communication with Bryan - Financial Advising Near Me - Miami Beach, Florida

2 year contract that I honored only to be charged $450 3 months after my contract expired and I submitted the paperwork they required to close my account read more

They will answer your call, and if you want to cancel, they will put you on hold and not pick back up. They also help a large amount of my money for a month. read more

No one answered calls. Fee are much higher than they promised, also charged annual fees for $199 with no reason! Super crazy !

This company has the worst customer service! Never answer calls! I called and they let me to wait. I waited 40 minutes and told me my call would be answered in 2 minutes and then 3 minutes and then told me I will receive a call back when a rep is available and then hanged up! read more

I am writing review report fraudulent and deceptive business practices conducted by Merchant One, Inc. My experience with this company has resulted in financial loss, withheld funds, misleading contract terms, and unauthorized charges. read more

Merchant One/Clover has to be the worst company ever!!!!!! I have called multiple times, chat, asked for a call back, ask for a call for over a week. NO ONE ever answers or calls you back. I did have a couple calls from a number and they hang up. I want to cancel my account. I was told I had a personal agent. The number is no longer working. I have been charged outrageous fees. I am so frustrated with them. All I want to do is cancel my account. DO NOT USE THIS COMPANY THEY ARE A FRAUD!!!!!!!!! read more

They defraud customers out of money. They charge more than 9% for credit card processing when they tell you 3.5%

a combination of many of the complaints listed here- Lie #1- I'd have a "dedicated Account Rep" anytime I had a question or issue and was given a phone number he has never answered. Lie #2- he would walk me through the entire set up process. Equipment was poor quality, very basic compared to the nicer Clover Flex 4 I'd previously used with another company. Spent HOURS on hold or awaiting a callback- sometimes more than 24 hours. Signed up 5 weeks ago and STILL not set up to to take payments, but I have been billed $34.95 plus shipping of their subpar equipment. Did I mention hours on hold? Actually, after 20 minutes of hold time, they disconnect your call. You get to start over again. If you select the option to hold your place in cue and get a callback: maybe. Once I didn't, once I did after several hours. 20 minutes must be the magic time period, because the rep who finally called me back said he would need to answer other calls and would hang up at the 20 minute mark. He explained that the reason it took him so long to call me was exactly because they have SO MANY support calls coming in. After I threw a hissy, he hung up- but did call me back within a couple of minutes. I confirmed that I wanted to end the contract, he gave me 7 days to return the equipment or pay for it at the same rate as the expensive Clover Flex 4 from another company. I shipped with a guarantee deliver of next day, and bought insurance to avoid (hopefully) claims they did not receive or that it was broken. Anyone on here want to help start a class action lawsuit? read more

Merchant One is a fraud operation by Miami based scammers. Don't be fooled by all the fake 5 star reveiws from accounts with a single review. This is how they scam works: they will onboard and allow you to process payments Even though they process transactions, you'll quickly notice it doesn't work like most processors (There are no notification emails, funds don't get sent etc) Once they've held enough funds, they will close your account out of nowhere and charge you a a fee for th e cancelation in the thousands. Please avoid falling for this scam read more

Big scammer! Unacceptable behavior they i was closed my account last year around august-September 2024 until now still didn't get paid! Told me sending me a check turned out tax files instead!! I think the whole organization is scamming people around! All the fee charged is really depends on which agent is helping you!! Different agent gave different information So sick of it! It's almost 5-6 months! read more

Don't do it. This company is will quote you OK rates but you'll never see them. Plus they come up with some compliance lies to raise your fees. Its very hard to get to customer service and solve anything. They are also very sneaky on what shows up on your statement. BUYER BEWARE read more

Never have I experienced service as wholly lacking as I have with Merchant One. They are unreachable when it comes to problems and they like it that way. We have spent countless hours on hold with them trying to reach someone regard serious issues we were having. Merchant One recently held all our funds for over 3 weeks and would not deposit them into our account. Thousands upon thousands of dollars. We were only able to reach them by posing as new clients to gain their attention. No explanation was given for why our funds were suspended and it took 2 more tries to get them to finally release the money into our account. Fees are excessive and completely hidden from your knowledge when you sign up. Someone should investigate them in my opinion for fraud on a grand scale. Stay AWAY! Their promises are misleading and inaccurate also. read more

The worst company I have ever worked with. Randomly shut off card processing on my account in the middle of a sale. Lost over 12k in one day from not being able to process orders. I have now been transferred 26 times, have spent over 11 consecutive hours on the phone with them over the last 24 hours, still no progress. Our development team has confirmed it's a direct issue with merchant one/clover as we can connect stripe to our account and process payments right away. If you own a company that process payments, run as far away from this company as fast as you can. read more

All Lies Lies Lies from this company. They will take their fee out of your bank account from a charge u did and still hold on to your money !!! Also will go back and try to take more money out of ur account without you authorizing it !!!!!!!! I was with them for almost 3 years, I did a catering and they did not release the funds. They then asked for an invoice and 3 months bank statement which I gave them. They still didn't release the funds of $5000 to me. I was bounce from rep to rep. Couldn't speak with a supervisor much less a manager. I told my customer to dispute the charge with their bank and get the money back and that they can pay me another way. After the dispute was successful, merchant one attempted to take the $5000 from my bank account after, and still not releasing my hard works pay that I deserved, luckily I didn't have that much money in that account it got returned the next day. My bank blocked them before but they used a new charge code to go in my account and withdrew money that I didn't authorized or knew anything about. This company will steal from small businesses. I couldn't make this up even if I tried, I had to experience it. Run Far Far Away !!!!!! My only good thing with this experience was this one rep that assisted me, she did her best to help me out, but the company is terrible and she deserves to work somewhere else, her services was too notch, I hope she finds better that can make use of her awesome customer service and care for us clients !!! They use Trust Pilot to get good reviews, just go on Facebook and you will get genuine true reviews. read more

Complete scam. They have held my company's funds (in excess of $50,000) for over 4 months without cause or explanation. Additionally, despite my contract stating that the transaction fee would be 1.55%, they have debited my account in excess of 3%! Noone answers the phone and noone responds to emails. Per BBB, they have done this repeatedly to other companies as well!!! Do NOT use!! read more

Merchant One is a scam. They are not answerable on calls. They are charging us a convenience fee for nothing. DO NOT work with this company. they are an absolute nightmare!!! read more

I was processing my business credit cards with them for many years - my fees and percentages were going up all the time so I found a much cheaper processor. I cancelled with merchant one. I keep getting charges on my account ( directly withdrawn! So it hurts!) . I stopped the payments - ok - but now 6 months later they hit me with a $900 debit ! I cancelled months ago / cannot for the life of me understand this $900 debit. Luckily my bank is disputing the charge - and giving me " temporary credit" -when I try calling merchant one I am on hold for hours so I'm unable to find out why I got this crazy $900 charge 6 months after my email from them acknowledging the end of our business relationship. I liked them in the beginning but buyer beware here- this company should be avoided and when you close your account with them be sure to call your bank and block all future payments to them. read more

Do not do business with them. This company is the worst decision I've made. They will make you wait forever for your money and at the end they will not approve the payment. They asked me for bank statements, invoices and after I gave them all they wanted they refuse to release the payment. I'm extremely unhappy with their services and advise everyone not to deal with them. read more

do not recommend. will hold funds. no supervisor no one will help. they do not care to lose business customers. we have had the worse customer service. total scam. do yourself a favor and avoid using them. read more

They do not have 24/7 support. Can't reach anyone and they have a substantial amount of money "in limbo" that we need in our account to conduct further business. Feeling scammed. read more

Merchant One is probably the worst credit card processor in the country. We subscribed to their service in January 2024 and after processing with them without any issues, the Risk Team management decided to terminate our account out of the blue retaining thousands of dollars and charging us $700 dollars more. This company is reselling Clover and Clover terminals. Clover already has bad reputation. We do not recommend Merchant One to anyone. Stay away from them. read more

Scammer they put me in a contract without knowing I had temporary bisness for Christmas season I told James that I needed only 3 month and said that was ok James Rodriguez was the account executive a scammer who don't want to return my calls or answer my messages. I don't know how they get 4.9 in google all fake I will report to google read more

Bait and switch. Totally dishonest. 3-year contract with higher processing fees than they quote you. Then no customer support. Their website promotes "no contracts"; then I signed an agreement and it's a 3-year commitment with a high early termination fee. Slimebags read more

We canceled the service recently and I didn't realize we had a 3 year contract. So we had to pay a termination fee for the remainder of the two years which was a lot of money. I forgot the exact amount $600-700? They quoted us a specific amount for how much the fees are and they actually turned out to be more than expected. They charge money if you don't do the online PCI or whatever. We returned the credit card machine the same day we canceled the service because on the email it said we had a week to do it so I was confused. I had to pay like $22 to ship it with tracking and it was delivered already. Merchant one took $450 out of my bank because they said they didn't receive it. Didn't even contact me, just took it out and on the bank statement it says terminal not returned. If I didn't check the bank, I wouldn't even have noticed. They didn't respond to my email when I sent them my usps tracking with receipt. I do not recommend this company to anyone!! DO NOT GO WITH MERCHANT ONE. Once you cancel the service, they seem to not call you back when you call and email them. I called again today and atill waiting for a call back... read more

Merchantone - They withdrew the money - Financial Advising Near Me - Miami Beach, Florida

Their rating speaks for their service. Worst company I ever dealt with. Their rep Darryl DeLoach bugged me for 5 months to sign up with them. They were constantly asking for more and more unnecessary document and he kept bragging about how much better their company was vs other companies. Finally I decided to sign up with them. The cockroaches denied me for some reason and never ever called me or sent me a letter to why they denied my application. btw, they ran my credit which they never stated or told me they would do. I am currently working with a lawyer to take them to court. Stay away from them. There are so many better companies to use than them. Whether someone gets approved or denied for whatever reason that is, you should have the f***ing audacity to contact your customer to explain them why and thank them for trying to do business with you. I tried contacting them through phone and email and nobody ever returned my call or email. If this was a good company they wouldn't have a trash rating. read more

What a terrible experience. And I am not alone!! I have been in business for 25 years, this "company" is a joke!! Great quote, slick salesman, then bam! Fees not disclosed, total scam, even after I have closed the account they are debiting my bank!!! I had to go in to my bank and put a fraud alert on this company and contest fees charged on an account closed MONTHS ago!! And get this ...on Google an obvious review by an employee!! (Judi) nobody uses that language unless they work in the processing office!! Avoid this company Just check the credit card review site!! 2.4 stars!! read more

The worse company ever. They lie, they let charges, you're not aware of that may have been on hold by your bank, accumulate and then send it to collections without a phone call or email. I talked to a representative in May to close my account after I had requested it to be closed in February. At the time I spoke to the representative he didn't mention any balances. The balances I'm now told are from March and April so he should have told me about the balances. Now it's in collections. I was promised a waiver on the yearly fee of $99 that never took place. When I called back the male I spoke to told me the female that told me that was wrong. I'm 70 year old senior whom they lied to and cheated out of money that I didn't have to spare due to the pandemic. They don't have a good review. I will never ever use them and I referred someone abs never got the referral fee promised. read more

Tried working with MerchantOne for an entire month. Waste of time and energy. Had given the agent all of our detailed information and had signed contracts, but was continually told they needed just more document which was provided. New contracts then had to be signed. The entire process dragged out for a month with no results in being able to use the virtual terminal credit card processing service. On top of all that MerchantOne charged us for services not provided and was unprofessional about crediting the charge. Ended up using another credit card processing service and had everything setup in just a few days. Very happy with the current service we're using. What a huge difference from MerchantOne. read more

Been in business for over 9 years always have someone to answer my phone calls and swap equipment if needed. Don't understand with the negative reviews unless they were expecting free credit card processing. read more

I would never recommend this credit processing company to anyone! Worst customer service ever! All kinds of ghost charges that they can never explain. Canceled my account and they still continue to charge me monthly. read more

There are so many hidden fees it is crazy! I started with them in September of 2018, and every single month I was on the phone with them because there were new random unexplained charges. I just canceled my account after 4 months. To start you will have to pay $20 for the swiper then you will pay the monthly fee of $4.99 Then there is a $25 dollar minimum fee every month so on your first month alone if you start your service with them and don't use your device at all it will cause you $49.99! If you switch your bank account info they will charge you $30. If you don't do this crazy long online training they will charge you $25. Oh and there is a $99 fee per year that they charge you at the end of the year, It's back dated so you have your hands tied. None of these fees were mentioned when I signed up over the phone. I had a really hard time with the phone app. Continually have to restart it leaving me with very long and awkward client interactions. The costumer service is really unhelpful and slow moving. Not to mention if you are on the West coast the time difference is a pain in the butt. They say next day processing but I had an experience where I ran a large transaction (about $650) on Thursday at 4pm. It was past 5pm in Florida so it didn't batch until Friday the next day and then you don't get anything over the weekend so it ended up in my account on a Monday. THAT'S 4 DAYS! Please don't use this service, the beginning was great but after the first month it all went down hill. read more

If I could give this company 0 stars I would. First off they make everything seem seamless till you are all paid up and papers all signed. Next what will happen is you will wait, like I did, over a week to start using your card reader or system. You call up and they give you a story! To by them some time to figure out why it's taking so long. Next I purchased one device for $80 and one they give you free when you sign up. (Well not FREE! but stay tuned.) I set up my reader and begun using it like normal. I call up when I realized that after 3 days my funds were not in the bank! Keep in mind it was a few thousand dollars. So at this point my money is trapped! I call up and they say they will look into it. I waited another week and they have yet another story. 3 days later I call back and they say it was because a bank denied my account. So they were going to have to go with another bank, but they had to start all over and in the mean time my money was still trapped! I told them to please cancel my account because I needed my money as soon as possible and other customers needed to pay with credit card. So I went and found another company and they had this all figured out in 3 days. Remember that "FREE" device, well it turns out that they charged my bank $220 for an $80 device! I call up and their response was like, o well, you shouldn't of canceled you account! You will not get your money back. So get ready to get ripped off if you don't want to do business with them after all. read more

Scammers, avoid at all cost! They couldn't even explain their own charges. They tell me someone will get back to me, yet no one ever does and they keep withdrawing from my account. read more

Beware, do not use this company. It has been a nightmare. Hours and hours on the phone to try to set up our account, always saying they need one more item. They will not release our funds. The make everything thing seem great at the beginning then when you start using their service it is horrible. read more

Dishonest business, charges full price of 36 month contract for early cancellation even though we never used their service

company has illegally debited our business account $450.00, based on information provided on your application. Demand is hereby made for immediate return of unauthorized debit. Please reply within 24 hours, pending civil and criminal complaint. Edward Roth President cc: Attorney read more