Merchant Warehouse is an excellent credit card processing company with a reputation for quality customer service. Merchant Warehouse offers customers several inexpensive start-up options and a competitive discount rate for internet-based businesses. If you are looking for dependable credit card processing company with a stellar reputation, Merchant Warehouse is a partner well worth considering for your credit card processing.

Merchant Warehouse has a 99% approval rating. Merchant Warehouse does not charge an application fee and promises to contact you within one business day about your application status.

Merchant Warehouse charges some of the lowest monthly costs in the credit card processing industry. The 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.

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

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

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

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

Merchant Warehouse offers several different models of point-of-sale terminals for retail based business including simple swipers, PIN pad terminals and wireless terminals.

Merchant Warehouse Summary:
9.2/10

Merchant Warehouse equips you to accept credit card payments and create an online business presence. You can use many different types of equipment to accept payments. You can also use credit card software from Merchant Warehouse that enables mobile phone transactions. Customer service is available 24/7 by telephone. And live chat support is available from 9am to midnight, Monday through Friday, Eastern Time.

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Merchant Warehouse

Pros
Merchant Warehouse has the highest application approval rating around plus low fees and several gateway options.

Cons
Application approval is fast but a bit slower than the top rated service.

The Verdict
: 9.15/10

This is one of the very best credit card processing services.