Complaints

This profile includes complaints for Merchant One, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Merchant One, Inc. has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Merchant One, Inc.

  600 Vel R. Phillips Ave Milwaukee, WI 53203

• 

  Merchant One, Inc.

  PO Box 979 Brookfield, WI 53008

• 

  Merchant One, Inc.

  524 Arthur Godfrey Rd Ste 200 Miami, FL 33140-3528

• 

  Merchant One Payment Solutions Inc

  333 Oakridge Dr Mountville, PA 17554

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/12/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This bank is associated with Clover Network and they provide point of sale apps and equipment for business to charge using credit cards. They literally tricked me into signing up and gave me a list of fees, but once I had signed up, they started charging a bunch of hidden fees! Apparently I am not the only small business they have done this to. I want to end my contract and the only way they let me is to pay them a ridiculous amount of money! They do this to so many people!

  Business Response

  Date: 02/14/2025

  Ms. *********,

  Thank you for reaching out with the stated concerns. We would be happy to assist but need additional information to locate your account and assist. 

  Please provide your business name and merchant number. 

  Thank You, Fiserv

• Initial Complaint

  Date:02/11/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for the merchant one credit card service in October 2024. I changed banks and they continue to use my old bank for fees and deposits. I have put in the paperwork; I have changed everything online that I needed to and they still continue to use my old account.I have called with numerous times to try and resolve this issue. I tried their text messaging service and call back ********** one answers when you are put in the ** after 30 minutes the service hangs up I selected the call back option, no one ever calls back.I have tried the texting, after 20 minutes someone responds, but they just say contact customer service by phone.I tried numerous call back numbers to no end. I have emailed anyone i can find, no one emails back. I now want to cancel their service, but can't get anyone to talk to me.

  Business Response

  Date: 02/17/2025

  Ms. *******,

  Thank you for reaching out with the stated concerns. 

  We spoke with you on 2/13/2025 to advise the bank change was completed on 2/12/2025. 

  Believe the issue has been handled but if you have any further questions please do not hesitate to contact us. 

  Thank You, Fiserv

• Initial Complaint

  Date:02/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Closed the account twice .excessive fees .. not refunded ****** after account was closed .. told id receive a partial refund which I never got .. then billed again and money taken from a closed account .. Im close to retaining legal counsel for a pending lawsuit .. this so called bank is nothing but a scam with no customer service or just outright lies .. needs to lose it star rating as its a s*** buisness

  Business Response

  Date: 02/20/2025

  Mr. *******,

  Thank you for speaking with Merchant One on 2/28/2025 regarding your merchant account.

  You confirmed you had received the $99 refund in your bank account for the 2024 Annual fee. After further review, we are issuing an additional refund for the remaining $107.31 which includes December 2024 and January 2024 fees. Please allow 7-10 business days to see the deposit. 

  Do not hesitate to contact us should you have any further questions or concerns. 

  Thank You, Fiserv

• Initial Complaint

  Date:02/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Legal Name: GAGA X STORE Merchant ID: *************** Hello team, Ive sent everything that was asked and I was told that I would receive an update in one to two business days, but it has been ********************************************************************************************************************************************* an update. I sent everything to mailto:****************************************** But still no answer from them.

  Business Response

  Date: 02/12/2025

  Mr. ****,

  Thank you for reaching out with the stated concerns. 

  The account was reviewed by Security due to the high volume being processed over the signed amount. There have been several disputes received from cardholders along with unpaid fees. Due to this we are uncomfortable releasing the funds at this time. Funds will be held in a reserve to cover any incoming disputes or outstanding fees. The account can be reviewed for release of funds after 90 days if no dispute or fee issues. 

  Please do not hesitate to contact us if you have any further questions. 

  Thank You, Fiserv

  Customer Answer

  Date: 02/12/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed.

  So you guys have closed my account as I cannot process payments on ************* anymore?

  Do I have to contact you guys again to get the funds from you or you guys will release it after the 90 day? And on what date will you guys release the funds?
  Regards,
  
  ****** ****

  Business Response

  Date: 02/14/2025

  The merchant account has been closed and payments can no longer be processed through this merchant account. 

  The account is eligible for review of release after 90 days. Please contact security at that time to request a review. 

  Thank You, Fiserv

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a Clover Go through Merchant One **** *********************************************. I used this at craft shows from October 2024-December 2024. They did not transfer the money I received from customers with credit cards to my bank account that was set up with them. The total was $280.37. Ive called them 4 times. They did not batch the transaction on their end and that held it up. They said they had to run this through the customers credit card. I was told that would be completed January 31, 2025. They only did it for $73.00. Then on after several phone calls, they put though $106.00 3/3/25. They still owe me $101.37. This is wrong! They charge me $9.99 a month and $100.00 annually. Ive been told 3 times that this will be resolved. My customers will not be happy about them changing their credit cards for a transaction that happened in November. I called again today and was on hold for 25 minutes. I left my number for a call back, and that hasnt happened. Your assistance would be greatly appreciated! Im not the only who has issues with them.Thank you!

  Business Response

  Date: 02/20/2025

  Ms.  ********,

  Thank you for bringing the stated concerns to our attention. We attempted to reach you by phone and email to discuss a resolution but have not received a response. 

  Please reach out to ******* ******, Account Manager, at ************ by calling or by text.

  Thank You, Fiserv

  Customer Answer

  Date: 02/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ****** ********

  Customer Answer

  Date: 02/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ****** ********

  Customer Answer

  Date: 02/27/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I called this person last Wednesday and I received a return call on Friday. I was told that they were trying to run 2 credit card purchases from September of 2024. One for $10 and one for $60. They had already tried twice, but they were rejected. These people may not even have those cards any longer. Ive been fighting to get my money since the end of December and there is this $70.00 still outstanding. I was told they would call me back on Monday, February 23rd. To date, they have not contacted me. However, they state that they have tried to reach me and I have not responded?
  They had told me on several calls that it was their responsibility to batch the credit cards. They didnt do this until I called and asked for my money. They did not do their job and waited too long to run these transactions. Therefore, they owe me $70.00. They need to make this right.

  I want to close my account so they dont charge me for March, but cant do this until they give me my money. I will not pay for March.

  Thank you,
  
  Regards,
  
  ****** ********

  Business Response

  Date: 03/04/2025

  Ms. ********,

  We attempted to reach you by phone but were unsuccessful. We have issued you a refund of $70, please allow 7 - 10 business days to see the funding to your bank account. 

  Additionally, we have sent you a closure request email. 

  If you have any questions please do not hesitate to reach out. 

  Thank You, Fiserv

  Customer Answer

  Date: 03/04/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** ********
  

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Merchant one credit card processing service has stolen $10,000 dollars from my company, by placing a frivolous fraud alert on my account. It ha been 5 days since their initial review and I have submitted all of the required documents to the questions their company has generated, including a request for my personal business account statement. This company is fraudulent and I plan on contacting an attorney to start a class action law suit against this rip off of a card processing company. MY ADVICE, PLEASE DO NOT USE THIS COMPANY!!! I have still not received my funding! and this has put my company in serious ***** way!

  Business Response

  Date: 02/12/2025

  Mr. *****,

  Thank you for reaching out with the stated concerns. 

  The account went into Security review due to the processing volume. The account was signed with an average ticket of $140 however is now processing large volumes. The business is unsupportive of the large sales. The $10,000 is being held and we are requesting a refund be processed to return the funds to the cardholder. Funds held will be used for the refund. Another form of payment will need to be requested.   

  Thank You, Fiserv

• Initial Complaint

  Date:02/08/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I cancelled my account with Clover which is owned by Merchant Services sometime in 2024. However, they continued to bill us monthly ($34.95 instead of $14.95 along with other misc. charges) and now they have sent a notice demanding an annual fee and collection fee totalling $339.12. They sent an email with the terms of the agreement asking for authorization BUT there was no place in the email to decline and in any case the account should have been closed. They employ tactics that entrap customers and continue to take their money. I want the collection notice to cease and a letter stating that our account is closed and no further payments will be taken from our bank. I have spent days trying to contact them to resolve this but they do not answer phones and do call back. SMS goes no where. I am done - the customer service is abhorent and they should not be in business if they cannot properly service their customers. Please see the attached documentation.

  Business Response

  Date: 02/14/2025

  Thank you for speaking with us on 2/10/2025, at which time you confirmed that you had asked Clover to close the account. It was explained that Clover and Merchant One are owned by the same parent company but operate independently. 

  We are closing the account and ensuring no early termination fees are applied. 

  Do not hesitate to contact us should you have any further questions or concerns. 

  Thank You, Fiserv

   

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Enrolled 9/17/24 (docusign) with Anyonio ************* onboarding, no link to website to log in Repeated email to no avail to access **********/25/24 contacted "support", ****** ******-******* to explain charges and inability to access account as no activity on account. She stalled giving me answers 11/15/24 ******* *****,I have a problem! I have never been able to get onto my merchant one account and i've been trying to work with a woman named ****** and I'm exasperated with the way communication is being handled. I want to cancel the Merchant One account effective immediately. The only instructions I could find online involved me having to log into my account which I can't *****/17/24 Thank you for contacting us, we're sorry we were unable to come to an agreement and continue our business together. To close your Merchant One account please respond to this email and include the following information:Merchant Identification Number Business name Reason for cancelling the account 11/22/************************* Identification Number : *************** Business name: Southwest Dog Training Reason for cancelling the account :I don't even know how to get into my account, much less understand how I'm getting charged fees or how to use it. We haven't used any services thus far, only filled out the application and provided M-1 with the things asked for.Since we hadn't been able to successfully communicate over the phone, it seems to me that at some point a customer service person should have been able to say, let me give you in writing specific instructions on how to log into your account. Here's your account number, here's the website that you go to. Here's what you do, and then we can work on getting these late fees or whatever they are taking care of but no, that did not happen.12/4/24 Hello,This is confirmation your Merchant One account closure request has been completed.If you have any questions, please call us at ************.

  Business Response

  Date: 02/14/2025

  Ms. *****,

  Thank you for speaking with the Merchant One agent today. Upon review of your account we do show that a request was submitted in December to close the account however, it was not processed. The closure has been processed and the collection balance of $651.21 has been waived. 

  Please do not hesitate to reach out should you have any further questions. 

  Thank  You, Fiserv

  Customer Answer

  Date: 02/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  ******** ******* was very thorough in her investigation and our discussion was very productive.  There was a gap in the normal process and I hope to do business with them again.

  
  Regards,
  
  ***** *****

  
  

• Initial Complaint

  Date:02/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have been using this company's machine at our business ************* ******** for a while now. After looking at our statements throughout the last 6 months and seeing how much we were being charged compared to how much they claimed we would be paying for their services we have been very dissatisfied. I had my wife April call numerous times to discuss why these charges are so high. They tried to tell her the reason was a clover security issue which was dealt with immediately and we decided to continue to use it for a couple of months to give them an honest chance to prove they would uphold their end of the agreement. That is definitely no being done. Twice now we have discussed with them sending their equipment back and no longer using their services. They then started claiming we were supposedly in a 3-yr contract, and it would cost us 295 or 25 a month for the remainer of the contract but at first couldn't produce a contract. Finally, yesterday they produced one with a signature on it that looks nothing like mine or my wife's handwriting?!?! How does it take almost 4 months to produce a contract that we supposedly signed in October of 2023??? Why couldn't they get the signature half right at least? Definitely NOT satisfied customers!

  Business Response

  Date: 02/20/2025

  Mr. ******,

  Thank you for speaking with Merchant One on 2/18/2025. Per your request we have submitted a closure request of your merchant account. We have waived any cancellation fees.

  Do not hesitate contact us should you need anything further. 

  Thank You, Fiserv

• Initial Complaint

  Date:02/05/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an account with them so I could process payments from my clients. I got approval. Then I received a link from ******, I did everything as required. Before I got approval from them, I told them to make the limit high because my business is connected with hotels and every day I can process more amounts. Because all this money is not mine, I need to pay the hotels and get my percentage. I made transactions in the amount of $45,000 but the next day the money was frozen. I received an email from Risk Team. I sent them all the necessary documents and answered all their questions. They wrote that it will take 1-2 business days. More than a week has passed. For 2 days I could not get through to them and ask what the problem was. Today a man named *** called me and I explained the situation to him and asked him to connect me with the company supervisor. He told me that he would send him all the information and help solve it faster. I haven't received my money yet but they tried to withdraw their fees from my bank account but I cancelled it right away. Because they have to withdraw their fee from the amount that goes through them right away. Then I checked the statement and it says that they withdrew their fee from the amount of $45,000. If I constantly have such problems, then why should I cooperate with you? Where is the comunication?

  Business Response

  Date: 02/10/2025

  Mr. Veleulov,

  Thank you for reaching out with the stated concerns. Your merchant account is under review with our ******************* due to several concerns and card brands violations. Transactions are processing for a high amount then signed, there is currently a collections balance on the account due to unpaid fees, factoring sales for another business and cross border processing.

  Funds will not be released as this time as the review is still ongoing, when the review is completed security will be in touch with the final resolution. 

  Thank you for your patience. 

  Fiserv

                       

   

   

   

  Customer Answer

  Date: 02/10/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  ***** Veleulov

  Your people called me after I complained about you. They said that they were closing my account because I work with third parties, how do I understand? I have contracts with everyone and this is not a third party! You can check as much as you want. You can also call ******* since we work through them. This way, you will verify transactions faster. Here you are now writing to me about something completely different. First, you need to understand your service and correctly provide information to your clients. I could not get through to you. I wrote to the *************** and no one answered me! You start moving and doing something after complaints. I am not ready to wait 120 or 90 days to get my money. Maximum 60 days, since even banks do not hold other people's money for that long. Plus, I will not pay fee because all taxes are deducted from transactions and not from my bank account. You wanted to withdraw from me twice. Go to my profile and s*** the statement.

   

  Business Response

  Date: 02/12/2025

  Mr. Veleulov,

  We apologize for the lack of communication. Our risk/security area has advised they were able to contact and speak with you today regarding you account. 

   

  Thank You, Fiserv