Merchant Warehouse Reviewer's Comments

Our "TopTenREVIEWS Silver Award" Winner, Merchant Warehouse is an excellent credit card processing company with a reputation for quality customer service. Merchant Warehouse offers customers several inexpensive startup options and a very competitive discount rate for an Internet-based business. 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.

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 $9.95 statement fee, a $25.00 monthly minimum (usually only required for new accounts,) a 2.25% discount rate and a $0.25 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:  

Merchant Warehouse is frequently the underwriter for their clients, leading some to be approved within hours. However, the average time approval time is about 24 hours, 48 if Merchant Warehouse can't underwrite themselves.

 

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 choice of 4 different gateways: Authorize.net, LinkPoint, VeriSign Payflow link, and Verisign Pro.

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.

Summary:  

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