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Merchant Warehouse Overview

Merchant Warehouse

Our Review: In our opinion, Merchant Warehouse is a great company and is actually who we have our own merchant accounts with. Specifically, in our opinion, two things bring them ahead of the competition. First, they do not advertise their fees on their website or publically. This isn't because they are higher than most, it is because they believe that many businesses actually don't understand all the terms and fees associated with a merchant account and they want to ensure you don't to someone and fully understand what you are signing up for.

Second, they guarantee that they will match competitor's prices. Since there is no contract length for merchant accounts at Merchant Warehouse, this essentially means they have to match competitor's prices across the length of your relationship. To take advantage of this policy, always make sure to get quotes from other companies both when you initially open your account and then every 6 months or so to make sure the rates continue to be the lowest out there.

Finally, they have incredible customer service. You will experience this the first time you call and it will continue throughout your time with them. Specifically, we love the fact that they have dedicated support personal for account management and technical support, including your own dedicated account manager. As a business that needed some technical help along the way, this level of customer support, available 24/7, ensured that we didn't lose money on our website waiting hours for someone to get back to us and help us fix our problem.

Merchant Warehouse Fee Schedule

Monthly Fees
Monthly Minimum $0 for physical business, $25 for online
Gateway Fee $5.00
Statement Fee $7.95
Transaction Fees
Average Discount Rate
(card present)
Average Discount Rate
(card not present)
Transaction Fee
(card present)
Transaction Fee
(card not present)
Address Verification Fee $0.05
Account Set Up
Application Fee $0
Application Type By phone
Approval Rating 99%
Account Set Up Time 1-2 days
Customer Service
Hours 24/7, dedicated account manager
Email Support Yes
Live Chat Support Yes

* This information is an example of possible merchant account rates and shows an average for the company. Individual contracts may differ.

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Merchant Warehouse Customer Reviews

Merchant Warehouse Review

My business needed a merchant account that would allow me to accept credit cards in my store, on my website, and over the phone. I also needed my account set up extremely quickly, because somehow I overlooked this while getting my business off the ground. I called three companies and found the best rates and services with Merchant Warehouse. There customer service is exceptional and I would recommend it to anyone going into business and looking for a merchant account.

- Henry James

Merchant Warehouse Review

Flexible, knowledgeable, understanding, and patient. That is how I would describe Merchant Warehouse. I have been very happy with their services for credit card processing at my small business. There prices are the best out there and they have lowered my rates three times over the course of my relationship with them. Oh, and the customer service is outstanding.

- Sarah Fournier

Merchant Warehouse Review

I own a number of websites and when talking to merchant account companies, most wanted to charge monthly fees on each account, which would be incredible expensive. After talking to Merchant Warehouse, I finally felt like I had found someone who understood my business. They created a merchant account agreement that made sense for my business and got me set up with everything I needed. Not only that, they matched and beat the prices I had been quoted from other companies. Two big thumbs up.

- Brian Murphy

Merchant Warehouse Review

So far I have to say I am very satisfied with Merchant Warehouse and their services. I move over to Merchant Warehouse from another provider after getting a sales phone call. I was intrigued so I went ahead and had them put together a quote for me. The rats were about 50% less than what I was paying and the service was much better. I am saving tons of money which means I am making more. Couldn't be happier about making the switch.

- Kimberly Riviera

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Merchant Warehouse has over 115,000 satisfied clients, an A+ rating from the Better Business Bureau, and will match any competitor's rates for merchant accounts and credit card equipment.

Merchant Warehouse
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