Average Approval Rating:  

Merchant Warehouse has a 99% approval rating of all their applicants—the highest approval rating in the industry. Merchant Warehouse does not charge an application fee and promises to contact you within one business day about your application status.

Cost Per Month*:  

Merchant Warehouse charges some of the lowest monthly costs in the industry. Their fees include a $7.95 statement fee, a $25.00 monthly minimum (usually only required for new accounts,) a 2.19% discount rate and a $0.21 per-transaction fee. In addition to the regular fees, Merchant Warehouse has a $25.00 charge back fee, a $0.65 voice authorization fee and a $0.05 address verification fee.

A $10.00 monthly payment gateway fee is applied for online businesses.

Startup Cost:  

Merchant Warehouse does not charge a start up fee or application fee. Additionally, contracts are month to month and there are no cancellation fees. 

Account Setup Time:  

The average time for Merchant Warehouse to approve and establish a merchant account is 24 hours. Your overall approval time is dependent on a number of factors including credit history, previous experience and more.

The longest it takes for Merchant Warehouse to approve an application is 48 hours.

Customer Service:  

When we contacted Merchant Warehouse we were instantly connected with a sales representative, not an answering service. The representative answered all of our questions.

Internet Based Features:  

Merchant Warehouse offers you a variety of choices with different gateways, including Authorize.net, LinkPoint, VeriSign Payflow link, VeriSign Payflow Pro, and the MerchantWARE Virtual Terminal.

P.O.S./Swiper Based:  

Merchant Warehouse offers several different models of the Point of Sale Terminals for your retail based business including simple swipers, pin pad terminals and wireless terminals.

With Merchant Warehouse's 99% approval rating, wide variety of services, and low application fee, Merchant Warehouse is an excellent credit card processing service.