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.

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• 

  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:01/15/2025

  Type:Order 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 reached out about trying to cancel my contract with Merchant One. I had missed missed some details with a ************************* form which led me to being unhappy with their terms. And their customer service accessibility is horrific. I only got a response when I reached out to the sales associate and demanded to cancel my contract. He had to patch me through. Once I had gotten through they informed me that my termination fee would be, "$295 or $25 per month left on my contract" and sent over a document to terminate with it stating it was either $285 or $5 per month, the greater of the two. Because I do not trust them I asked for an exact amount in writing. The customer service *** emailed me back saying, "The early termination fee as stated in your agreement is $25.00 per the remaining months left on your term. Your term is for 3 years beginning 8.12.24." I responded, "Yes, I understand that. However, I do not trust this company and will not agree to anything until ***** a number, in writing, from you the company. So please, let me know the exact amount I would need to pay in order to break this contract." She then responded, "Per our cancellation department, the cancellation fee is $295.00". I said great, please send over an amended document that says the termination fee is ONLY $295. She responed that I could use her email as verification that it was only $295. I have not heard back from her even after following up asking for the amended document. I believe they were trying to trick me into signing, paying $295, and then coming after me for more.

  Business Response

  Date: 01/28/2025

  Mr. ******,

  Thank you for reaching out with the stated concerns. 

  The early termination fee (ETF) is $25 per month left on contract or $295.00 whichever is greater in this case merchants ETF was greater than $295.00. However, per our conversation on 1/28/2025, in order to resolve we have agreed to close the merchant account and waive the **** The account is the process of being cancelled. 

  If you have any further questions please do not hesitate to contact us. 

  Thank You, Fiserv

  Customer Answer

  Date: 01/29/2025

  [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:01/14/2025

  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.

  I was told when looking at card processing companies that merchant One (clover) would work with my website. It did not. I I told them the I want to cancel not days after I got it. (September 30th,2024) They responded and said they were sent to to the support team (via text)and gave me an address to send back the card reader. I sent it back. I have all the emails and tracking number information. I assumed that was it. They never called emailed or did anything. They have been charging my account $35 each month then another $170 this month. After I called over 5 times they said they will close the account (again) and now I have a charge on my account for another $295. They said its because I decided to close my account in January. I decided to close my account in September when it didnt work with what I needed. So now I have to go through my bank and get new accounts because I cant trust that they actually did what they said they did. I want a FULL refund of $569.95.

  Business Response

  Date: 01/28/2025

  Mr. *******,

  Thank you for contacting us with the stated concerns and your patience while we researched your complaint.  

  Our records indicate we received a text on 9/23/2025 requesting to close your merchant account and on 9/30/2025 a closure request email was sent to you but we never received a response or signature for closure therefore the account remained opened and fees were billed. A new email request was sent per your follow up call on 1/7/2025 and your merchant account was closed 1/14/2025. As a courtesy, we are waiving the cancellation fee and current collection balance of $305.08.

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

  Thank You, Fiserv

• Initial Complaint

  Date:01/13/2025

  Type:Service or Repair 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.

  Was charged $295 to close out my account and not once informed there would be a charge in order to close the account.What a deceptive business! When I signed up, I was not informed there would be a monthly charge if I wasn't using the device and passing on costs to my clients. After several months of being charged for not even using the device, I decided to cancel. Took forever on the phone to speak to someone. When I finally talked to someone, the cancellation was straightforward, but they did not inform me that there was going to be a cancellation charge, let alone one this big, nearly $300. I was only told to sign the link and return the device, which initially they told me I had to return to somewhere in *******! I'm in *****. After much back and forth I was given an address in ***** to drop off the device. After I dropped off the device and completed the account closure, they charged me $295 three days later!!!! Not once did the clerk processing my cancellation explain to me that there would be a charge let alone this big. What a deceptive business from the start to the finish. I have reached out to them over the phone and via email and have not been able to get my money back.

  Business Response

  Date: 01/28/2025

  Ms. ****,

  Thank you for reaching out with the stated concerns. 

  The merchant agreement was a three year contract and the early termination fee was disclosed in the signed merchant agreement. You were billed a discounted cost of $295 when you closed your merchant account. As a courtesy, in order to resolve your complaint a refund for the fee has been processed. Several attempts were made to contact you by phone to advise of the refund and confirm receipt of the funds but Merchant One was unable to reach you.  

  If you have any further questions, please do not hesitate to contact us. 

  Thank You, Fiserv

  Customer Answer

  Date: 01/30/2025

  [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:01/09/2025

  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 was informed I would not be charged for the pos system. But every since October I have been over charged for using the system. I was informed of of having a refund. I have not reviewed any refund or address to send the system back.

  Business Response

  Date: 01/15/2025

  Thank you for bringing the stated concern to our attention. To better assist with the resolution of this matter please reply with your Merchant Number or the associated Lease Number, or any additional information to locate your account.

  Thank you

• Initial Complaint

  Date:01/08/2025

  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.

  Merchant one(credit processor) is refusing to refund my customer. I am having issues with this business.

  Business Response

  Date: 01/23/2025

  Thank you for bringing your concerns to our attention. The account came into review due to the merchant processing larger transactions than approved. During the review it was observed that the merchant was not financially supportive of the processing and had a collection balance. The decision was made to terminate the account and secure he held funds as an exit reserve for 90 days. Please reach out to ***************** at ************** on approximately March 20, 2025 to see if the funds are eligible for release.

  Thank you

• Initial Complaint

  Date:01/06/2025

  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.

  Back in October I started looking for cost saving on Credit Card fees for my Business. I reached out to MerchantOne the most cost effective was MerchantOne (Clover). ******* ******* was the sales person I was in contact with at **************, I was specific with questions regarding additional costs. ******* assured me the costs were solely as follows:No Contract, Monthly Fee 9.99, Per Trans Fee .15, CC fee 1.55% (in person) 1.89% (manual Entry), ACH 1.65%, Debit .29% and Full Quickbooks Integration The example was a transaction we had coming in Dec for 100K paid through AMEX.. He stated a 1.55% rate due to card swipe.,Upon signing up and trying to Integrate QB, I had to upgrade.. I made several attempts to contact ******* now he was unresponsive. ************************* turns out that I could not integrate as wanted.Following month and we are hit with the first fees and I am being charged 3.78% for **** Mastercard and for the example given to him processed on 12/31 (AMEX) charged 4.78% and sfter 6 days still pending being posted pending review of two previous transactions of 4k and 3k which were posted to my account.Sales is NEGLIGENT and misleading with Fees.I spent all of Friday trying to get someone on the phone and after 10 mins on hold the call is disconnected. I called 4 times to speak to customer service. I received 1 callback w silence on the other side and no call back and the last call I received at 4:55 pm. You are not able to give them review on ******.

  Business Response

  Date: 02/05/2025

  Thank you for bringing your concerns to our attention regarding processing fees. The fees referenced in the complaint were for swiped transactions; however, the account was set up for keyed-in transactions. On 02/03/2025, Merchant One contacted the merchant, who expressed that due to the $100K transaction, she would prefer to close the account which will resolve the BBB complaint. 
  
  Merchant One offered to see if there was anything else we could do, and the merchant declined. Merchant One assisted the merchant with the account closure, ensuring there were no early termination fees.
  
  While we believe this resolves your concerns, nevertheless, do not hesitate to contact **************** at ************** if you have additional questions or concerns related to this matter.
  
  Thank you

  Customer Answer

  Date: 02/07/2025

  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 was very specific with my requirements when I set up the account with the sales person ******* ****** and discussed all the scenarios in which we would need the services. Why would I be set up for keyed in and have been given a lease to a machine for swiping. Also the *************** never contacted me during the funds being held and despite my many calls and emails they never reached out to me.

  I asked to close my account due to the many issues and terrible service. The lady on the line said I could return the equipment and the lease would be canceled at no additional cost. Today I received a charge on my card for $425.95. I've sent emails asking to confirm there will be no charge (per my conversation on the phone) and of course I received no response.

  This experience has been a nightmare, it has cost me a terrible experience with a customer and additional charges from a vendor.

  The sales practices are unethical and the customer service once subscribed deplorable.

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

  Business Response

  Date: 02/18/2025

  Thank you for bringing your concerns to our attention. On 02/12/2025, Merchant One contacted you by phone and you informed the representative that the $425.00 charge was a pending  authorization and that had fallen off your account. Additionally, the tracking number that was provided is invalid. You mentioned you would contact *** and call Merchant One back. On 02/13/2025, The representative attempted to follow up with the you for the correct tracking number was unsuccessful and left a voicemail. On 02/17/2025, Merchant One confirmed the terminal had been returned in our system. The representative attempted to reach you by phone on the same day to inform you but was successful as well and left a voicemail. While we believe this resolves your concerns, nevertheless, do not hesitate to contact Merchant One ***************** at **************, if you have additional questions or concerns related to this matter.
  
  Thank you

• Initial Complaint

  Date:01/02/2025

  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.

  My Dispute Is That Merchant One/CLOVER Has Continued To Take Monies Out Of My Account Since August 2024 Every Month Under The Name Code FDMS Of $37.45 On The 5 th Of Every Month... They Cancelled My Account In July 2024 I Didn't CANCEL Anything And Asked Me To Send The Processor Back To Them/ And The ONLINE Account Was Deactivated ... I Have Been Dealing With This Longer Than I Should Have To And Good Luck If You Can Get Them On The Phone IT IS RIDICULOUS !!! I Have Had 2 Accounts With Them My Account When I Spoke To Collections And That I Owe $130 They Told Me That It Was Referring To This Account # *************** And Gave Me The Number To Call Them ************ Which Turns Out To Be MERCHANT ONE .. I Don't OWE Them Anything They OWE Me As Of December 2024 $187.25 The Other Account #Is *************** ... I Have Been Dealing With Them HOLDING My Funds And Now Dealing With This... ALL Charges That You Are Taking Out Of My Account Each Month NEEDS TO STOP NOW !!!! And Get Me OFF Of That CONTRACT !!!! I Want This RESOLVED NOW !!!!

  Business Response

  Date: 01/27/2025

  Thank you for bringing your concerns to our attention. On January 14, 2025, Merchant One contacted the merchant and explained that while the account was closed in July 2024, the lease remained open, resulting in the ongoing charges. It was explained to the merchant that although they closed their merchant account, they signed a lease for the equipment therefor this lease remains valid, and they would've needed to contact the leasing department for buyout options and other criteria to settle the lease. The merchant requested a refund of $187.25 for payments made to the lease department after account closure.
  As part of the resolution, Merchant One advised to the merchant that they would process a Buyback to stop further billing and submit a refund request for $187.25. 
  On January 22, 2025, Merchant One reached out once more and advised to the merchant that the refund was approved for $187.25 and would be issued. Merchant One informed the merchant that it may take a few days for the refund to appear in their bank account. While we believe this resolves your concerns, nevertheless, do not hesitate to contact customer service at **************.

  Thank you,
  Fiserv

• Initial Complaint

  Date:01/02/2025

  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.

  Merchant one is a credit card processing company. on multiple septerate occasions we had not been paid for transactions after more than a week and it took multiple phone calls and emails to finally get paid. currently we are owed more than $1500 from a transaction in excess of 3 weeks ago. this is simply unacceptable. i have phone records and email strings to backup my claims.

  Business Response

  Date: 01/06/2025

  Mr. ********,

  Thank you for reaching out with the stated concerns. 

  Unfortunately, your complaint does not provide any of your business details in order for us locate your account and assist. Please provide your merchant number, business name and business address. 

  In regards to the funding delay, provide the amount you are referencing along with the date of the transaction so we can review the deposit details. 

   

  Thank You, Fiserv

  Customer Answer

  Date: 01/07/2025

  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.
  
  Per their request: *************** - 3 Saints Rentals
  
  Regards,
  
  *** ********

  Business Response

  Date: 02/05/2025

  Thank you for bringing your concerns to our attention. As the Merchant account was closed on December 31, 2024 the transaction was rejected for invalid card type. IF you have additional questions or concerns related to this matter please call Merchant One customer service at **************.
  
  Thank you

  Customer Answer

  Date: 02/06/2025

  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.
  
  thats the first time i have heard this excuse after more than 10 phone calls. unacceptable!   it was an inperson card swipe, ZERO reason for rejection.   and i closed the account because of this fraudulent activity
  
  Regards,
  
  *** ********

  Business Response

  Date: 02/14/2025

  Mr. ********,

  Because the account was closed, the sale was not processed and the cardholder was not charged. You would need to contact the cardholder for payment. 

  Thank you, Fiserv

• Initial Complaint

  Date:01/02/2025

  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 opened an account with ********************** on Aug 13, 2024 to enable me to take credit card transactions for a local craft show. I was told the monthly fee was $9.95. I was charged $34.95 so I closed the account with them by calling them on Sept 17, 2024 and sent the credit card reader back the same day. I received verification via email on 9-26,2024 that the account was closed. In December 2024 Merchant One deducted $36.18 charge from my bank account for "non-PCI compliance" on the credit card reader. I disputed the charge with my bank and contacted Merchant One as well. Merchant One acknowledged I did not owe the fee. On Dec 9, ***************************************** stating that I not only owed the $36.18, but now had a $100 collection fee as well. I called and talked to their collections **** and requested they tell me what the $36.18 charge was for. I was told it was a charge for non-PCI compliance on my account for Nov 2024. I again reminded them that the account was closed in Sept 2024. They again acknowledged that as true. I continued to receive phone calls from them stating I needed to contact them about my account. I called on Dec 31, *************************************************************** about erroneous charges. They then told me they would clear the $36.18 charge and waive the $100 collection fee. Today, Jan 2, 2025, I find a $61.18 charge taken out of my bank account by electronic transfer by Merchant One. I have no idea what this new charge is for, or why they continue to think I owe anything on a closed account. They have my bank account number and my bank tells me there is no way for me to completely block this company from making electronic transfers out of the account. I have disputed this latest charge with my bank so it will not be going through to Merchant One. I just need these people to stop charging me, calling me, emailing me, etc. I owe them nothing and will not allow them to take money from me.

  Business Response

  Date: 01/22/2025

  Ms. *****,

  Thank you for bringing the stated concerns to our attention.

  Merchant One does show that you had requested to have the account closed in September. Due to a system error this was not completed. We apologize for any inconvenience. We are closing the account and will  have the collection balance due waived. 

  If you have any further questions, please due not hesitate to contact us. 

  Thank You, ,Fiserv. 

  Customer Answer

  Date: 01/23/2025

  [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:01/01/2025

  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.

  After being charged multiple months for their service that we no longer used, on October 2nd I finally tried to cancel my service. There is no way to do that online even though you can literally do almost anything else online. So I emailed their support staff. I got a response asking me for a MID. What that is I have no idea. They said on my statement which I do not have. All I have is access to the online system which will not give me a statement. I replied and let them know that. I do not use the system, but since I am the owner apparently I'm the only one that can contact them to cancel. I sent them a screenshot of the name of the company from inside of their portal. I got no response. One month later after being charged again I communicated with them with the following message ***snip***I am going to report you to the BBB. I have been charged again and want my money back. Tell me how I communicate with your or describe exactly what you need me to do in order to remedy this. I dont understand your acronyms and your support is terrible.***/snip***. To this I also got no reply. So after that last charge I instructed my bank to stop paying them on the auto pay. Now they are calling my phone every day. I pick up and answer and wait for their automated system. It says I'm first in the queue and after 20 minutes I give up and hang up. There is no one to call, no one to talk to and no one to cancel with and now they are going to put a **** on my business credit? This is the absolute worst company and the epitome of what I think the BBB exists to do. Can you please help me? All I know is this is my Merchant ID # ***************. The name of my company is The ***********. Short of that I used to be able to log in. I have not tried since this all started because I don't want them to say I'm using their system because we are not. Any help you can provide would be appreciated. I feel they are scammers and that is what I find when I look online.

  Business Response

  Date: 01/22/2025

  Thank you for bringing your concerns to our attention. In the above complaint you claims to have attempted to close the account on October 2nd, 2023. However, Merchant One does not have record of any contact from the merchant regarding this request. The most recent communication Merchant One has on file is an invoice they sent on June 11, 2023.
  On January 13, 2024, Merchant One attempted to reach the merchant by phone but were unable to connect, and left a voicemail. You returned the call and mentioned that they had been trying to close the account since October. Merchant One  assisted the merchant in closing the account as requested.
  
  The merchant account has been closed, and email confirmation was sent to merchant. We trust that resolves your concerns, nevertheless, if you have additional questions or concerns related to this complaint, please reach out to customer service at **************.

  Thank you