Merchant Credit Card Reviewer's Comments

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Merchant Credit Card is a very good credit card processing service. They offer excellent rates and can approve a merchant account quickly. With Merchant Credit Card, you receive a payment gateway, virtual terminal, and a merchant account for a single startup fee of $100.00. Merchant Credit Card also offers a 10-day trial on a shopping cart for your online business.

Average Approval Rating:

If you have good credit and own a laudable business then merchant credit card can approve you quickly and easily, but no statistics were available on what percentage of Merchant Credit Card applications are approved.

Cost Per Month*:

Merchant Credit Card has some of the lowest monthly costs. These include a $15.00 monthly payment gateway fee, a $9.00 statement fee and a $20.00 monthly minimum. The 2.29% discount rate has a $0.25 per-transaction fee. Occasional fees include only a $25.00 charge back fee; no voice authorization fee or address verification are charged.

Startup Cost:

The $100.00 startup cost includes all the services you'll need to begin doing business online (except for a shopping cart-free trial only).

Account Setup Time:

Merchant Credit Card can set up your account within 2 days of your application. This is quite fast considering that they are an ISO (Independent Service Organization).

Customer Service:

When we contacted Merchant Credit Card we didn't talk to a sales person right away; we left a message and someone contacted us the next day. We called several times and reached the same person every time except for once. That person couldn't give us any valuable information. So, Merchant Credit Card is either a one-man-show or the company needs to better train their customer service representatives.

Internet Based Features:

Merchant Credit Card offers payment gateway services through Authorize.net.

P.O.S./Swiper Based:

Merchant Credit Card offers only one Point-of-Sale terminal for your retail business—slim pickings. Other companies we reviewed let you choose from several.

Summary:

Merchant Credit Card is a very good credit card processing service. With a low 2.29% discount rate and a $0.25 per transaction fee, Merchant Credit Card is one of the best credit card processing services in the marketplace.