Merchant Warehouse

  • 4.194.194.194.194.19
  • 4.044.044.044.044.04
  • 4.154.154.154.154.15
  • 4.194.194.194.194.19

Merchante Warehouse reviewsMerchant Warehouse is a merchant account services company specializing in the credit card processing business. Founded in 1998, Merchant Warehouse is the first merchant account services provider to offer credit card processing services on the Internet. Today, the company serves well over 100,000 merchant accounts and processes more than $7 billion in credit-card sales a year. New customers continually join the company at a rate of 30,000 merchants a year. Merchant Warehouse ranks the highest in customer satisfaction and retention rate and is the longest standing member with Better Business Bureau. The company provides merchant customers the lowest price guarantees on both overall processing costs and terminals and software. Account setup is quick and easy with no application and programming fees.

What Businesses Use Merchant Warehouse?

Merchant Warehouse offers credit card processing services to many types of businesses. The company accepts merchant accounts from traditional physical stores, online businesses, pay-by-phone sales services such as mail order companies, and businesses conducted at trade shows or any other mobile locations. Merchant Warehouse provides wireless credit card terminals and contactless payment readers, allowing merchant mobility and payment convenience for customers. Whether its customers physically swipe credit cards or manually enter credit card numbers, merchant Warehouse’s credit card processing service covers it all.

Customer Service

Providing great customer service is part of the principle on which Merchant Warehouse was founded. Customer service at Merchant Warehouse reflects both professionalism and competency. The company employs a large in-house sales and customer support staff. Representatives must undergo intensive training to ensure the best service in the business. By providing honest and clear-cut answers to customer questions, Merchant Warehouse does not make false promises and hide costs and fees.

Price/Fee Structure

Credit card processing servicesMerchant Warehouse is willing to match any lower price on an equipment or software from its competitors, plus an additional 10 percent off. The company’s price structure on merchant account services focuses on delivering the lowest overall processing costs rather than attractive percentage discount rates on transaction volumes. By eliminating some of the additional account fees, Merchant Warehouse guarantees the lowest overall processing costs. Price structure may also depends on how a company accepts credit cards and its business nature. Prospective customers are welcome to request a custom rate quote, and a representative will try to find the lowest cost option for the account.

Unique Features of Merchant Warehouse

A leader and innovator in the credit card processing industry, Merchant Warehouse is experienced to handle a wide range of merchant accounts with different business and credit conditions. As a result, the company has one of the highest account approval rates in the industry. The merchant account service offered by Merchant Warehouse also features simple and easy-to-understand contract that allows accurate and detailed rate quote with full disclosure of all potential fees or charges.






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27 Customer Reviews of Merchant Warehouse

  • Overall Rating55555
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    I am the owner of a small website business and only do a few transactions per month. Merchant Warehouse is very affordable and much better than PAYPAL. TRUST ME-I used to be a paypal user. I get my money quickly and it deposits into my business checking account.

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    Its only been a few months but no complaints with them so far. The rates they promised are the rates I pay and that is really my biggest concern.

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    3 years and going strong with Merchant Warehouse. I am a happy customer. I get competitors coming into my store all the time claiming they can get me a better deal. Dont fall for it! You will be sorry.

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    If you are not already using the these guys you should be! My rep was a ceritfied professional for merchant services and he sure did know his stuff. For years I was under the impression I needed 2 accounts for my business. Paying double for no reason. Not the case with this company everything is streamlined into one account.

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    I am writing today to rave about Merchant Warehouse. I have a new business that I started a couple months ago and I was leary about the expense of a merchant account. I shopped around and was going to initially use “the free” swiper accounts. I had a few questions and guess what: there was no one to help with with these so called free accounts! no phone number, no client service etc. I called Merchant Warehouse and got a dedicated representative not to mention affordable service!!!!!!!!!!! Thanks Merchant Warehouse

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    I have been processing with Merchant Warehouse for a couple years. A rep reached out to me and informed me that EMV cards were coming to the states in the next year or so and I would need to upgrade my terminal. I did some research and confirmed this was true but still didnt want to make any changes. Then the rep told me about the other feastures like pin debit capability and signature capture and they let me try it for 60 dayy for FREE. I have been using Genius for 4 months now and I cant believe I almost turned it down. Its great!

  • Overall Rating44444
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    Company goes above and beyond. I needed help linking up 5 new smartphones with their virtual terminal application. The tech in support walked me through each step on each device to make sure that my employees and I were good to go for upcoming event. Evemt was a success and super easy with the new ability for customers to sign the receipt right on the screen. Keep up the great work.

  • Overall Rating55555
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    I saw Merchant Warehouse out at a convention a couple months back in Chicago. Decided to give them a ring when I got back to see if they could help me save money. While they told me I was getting a pretty decent deal they showed me that my account was setup as a swiped retail account and not a keyed account ( I charge credit cards over the phone for construction jobs) so in actuality all my transactions were downgrading and I wasnt getting that decent rate that I thought I was in the first place as that only is for swiped cards. Signed up with Merchant Warehouse later that day after calling my current provider to confirm. Thank you for opening my eyes Merchant Warehouse!!!!!!!!!

  • Overall Rating55555
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    I called Merchant Warehouse after having an issue with my current provider. I had been using merchant services with my bank for years and when I had a tech issue with my terminal it prompted me to look online. Not only did Merchant Warehouse reprogram my existing terminal that my bank said was obsolete I was able to get lower rates. A Win Win

  • Overall Rating55555
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    Best in Business. Not a bad thing to say here about these folks. I have been with them since 2009. Any questions or issues with your account have no fear because their customer Service is first rate and you get an actual person on the other end of the line in their Boston office. Thank you Merchant Warehouse.

  • Overall Rating44444
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    I am the office manager for a mid to large size company with two locations. I use Merchant Warehouse’s FREE Portfolio Manager to for my record keeping and it is a lifesaver. It links both the locations together for me online and provides me with a detailed trnasaction history. I use to to have to work on the reporting seperately until I switched over from another Boston based company to Merchant Warehouse.

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    I have been with Merchant Warehouse for over a year now. No issues at all. Everything they have said held up to be true. No hidden fees,and the few times I needed a tech for terminal questions I was able to get someone right away on the line. Thank you Merchant Warehouse

  • Overall Rating55555
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    My web developer told me to call these guys. I found out that they are actually the largest reseller of authroize.net which basically works with 99% of shopping carts. Translation= FREE SET UP..Try going through auth.net directly and setup will be around $100. Call Merchant Warehouse- GREAT RATES, NO CONTRACT

  • Overall Rating44444
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    SAVINGS!!!!I process in store and online. Never paid much attention to the statements until my accountant suggested. Merchant Warehouse was number one on almost all review sites. Gave a call and was told I could save close to $300 per month total. It was a no brainer for me with the no startup cost (repro’d my terminal and online gateway) no charge! Just got my first statement and saved $306.91. These guys are great!

  • Overall Rating44444
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    I am a retail clothing store and recently just purchased their new “Genius” Customer Engagement Device. It is awesome! My customers love it. I can finsih taking off the tags on the purchases while the customer swipes their card and signs right on the screen. While I am a smaller “mom and pop” type shop, this device gives me the ability to have the look and feel of a larger more sophisticated retail store. Device arrived preprogrammed and ready to go. I also save paper with the digital signature capture. This is a must!

  • Overall Rating55555
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    On behalf of Merchant Warehouse I am please to say that I was able to work directly with Steve and reimburse him for his PCI compliance fee as well as the bank overdraft charges. We sincerely apologize for the less than stellar experience in which this merchant encountered and made every attempt to correct it. Steve was very pleased with the positive resolution.

  • Overall Rating11111
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    I have been with Merchant Warehouse for 5 years but not anymore. I put my account on hold and was told on the phone and in writing in an email that I would only be charged $9.95 per month. Well, I received a bill for $108 which was the $9.95 + a PCI compliance fee of $99. I also incurred an overdraft fee from the bank since I wasn’t expecting a $108 bill. I was charged this same PCI compliance fee just 5 months prior so it was really unexpected. I called customer support and they told me they sent me an email notifying me about the PCI compliance fee but I don’t have a record of it (I keep all my emails) and neither do they. They would not honor their own words that I have in an email that says I would only be charged $9.95 per month to be on hold. So Merchant Warehouse you got your $100 and caused me an overdraft fee but you lost a 5 year customer. This is how Merchant Warehouse does business – hidden fees, will not honor their word.

  • Overall Rating55555
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    I had processed creditcards through my bank for years. I recently got a call from them saying that I needed to upgrade my terminal for $500 dollars. It prompted me to look around and I came across Merchant Warehouse. I spoke to a very knowledgeable Rep who informed me that my terminal was perfect and didnt need to be replaced. Infact Merchant Warehouse reprogrammed my existing machine and saved me $150 dollars per month by eliminating lots of “fake fees” I had been paying. Thank you Merchant Warehouse!!!!!

  • Overall Rating55555
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    I have been a Merchant Warehouse customer for over a year now. When my business first started I barely processed any credit cards. Now things are so busy I just opened my second location. Merchant Warehouse gave me the same great deal as they did a year ago and even offered me a free rate review to make sure I was still setup with the best possible pricing structure. They are the best!

  • Overall Rating55555
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    I have been shopping around looking for the best rates and fees for my merchant account for my BRAND NEW business. I connected with a Rep at Merchant Warehouse, and was surprised to hear that many other companies offer introductory rates to get businesses just to sign up and then lock them into a multiyear agreement with a cancellation fee which could be up to $700. With Merchant Warehouse they offer a low cost guarantee and NO CANCELLATION fee. Terms are month to month! Being a new business I feel comfortable signing up with Merchant Warehouse knowing that I am not locked into anything and that they have to keep me happy if they want to keep me as a customer.

  • Overall Rating55555
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    I recently contacted Merchant Warehouse for solutions to taking credit cards for my small business. They were pleasant, easy to talk to and quite the professionals. We worked up what has been easy to use and quite profitable payment processing solution. Other artisans at a recent event were very impressed with the ease of use and my glowing recommendation of Merchant Warehouse. I plan to continue to rave about them and what an excellent contact they are for the small businessman.

  • Overall Rating55555
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    I just signed up with Merchant Warehouse and I gotta say I am impressed. I’ve had several businesses over the years and have dealt with many CC processing providers as technology has progressed. I’ve never worked with a company that made getting setup and going so easy and cost effective.

    I’ve seen some of these other reviews and I have to say I am not sure what happened to them but so far things have been great. I had some tech issues and their tech department helped me out right then and there, no emails or wait. Same with their customer service.

    If there was one thing that I would change it would be a free mobile swiping option for my iPhone. Other than that I am very happy.

    Bruce

  • Overall Rating11111
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    When I was shopping for a merchant account provider the ‘guaranteed lowest rate’ and $100 guarantee if someone could beat their rate made Merchant Warehouse sound like a winner, but that was when I signed up over four years ago. They used to quote a very low rate on their site. (Now they want to give a ‘competitive quote) You to have done lots of homework to avid being ripped off in my opinion.
    The real rates I have paid are much higher than everything they quoted and promised, but I suspect they get away with it because it is difficult to decode the statements they provide at the end of the month and calculate the effective rate for each transaction. When I started with them I did not have any minimum amount for charges or discount fees, just flat monthly charges.
    Then they started charging monthly fees plus a minimum of $25 in discount fees, which means that unless you have $1300-1500 or more in credit card charges every month you will be paying a huge premium for accepting credit cards.

    Merchant Warehouse has decent, if maybe a bit overzealous, salesmen, but the sales dude is just the slick guy who gets you in the door. What customers need is stellar customer service, which Merchant Warehouse does not have! I don’t think their customer service has solved my problems on the first call even 30% of the time. It has been very disappointing. I am kicking myself for staying with them for too long and for wasting money and valuable time giving them too many chances to make things right.

    And when their network fails which has happened many times I either have to process off-line (and accept a 100% loss if the card is declined later) or demand cash. Plus I have had numerous charges declined on cards that I know should not have been declined and it embarrassed me and upset my customers. These happened because of ‘technical problems’ on Merchant Warehouse’s end. And no amount of money can make up for lost good will.

    I cannot emphasize strongly enough that if you are shopping for a merchant account, do not sign up with Merchant Warehouse without looking at all the alternatives and reading the contract and asking every question you think is pertinent. I have needlessly lost money by using Merchant Warehouse – I will NEVER recommend them to anyone again.

    I have an open complaint with the Boston Better Business Bureau trying to recover money I have been overcharged. I am seeking more than $175 that I was overcharged in just one month! I will post an update here if it is resolved in a timely manner.

  • Overall Rating11111
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    This company has problems with it server at least once every month or more…..It customers service statement always states “haveing problems with system and will be back up in a few minutes”… This time the down minutes started on the 8th day of June, 2012 and still waiting on few minutes at 4:14 PM CST 12th day of June 2012 “just a few minutes:”

    As a business, I have lost over $1000 each month due to this “server problem” unable to process cards with this company……..All they say is “I’m sorry, I’m sorry…….”

    From all the monies they charge us and the double and even tripple billing this company does when its “so called server is down” it should invest in a real tech group that can switch to another server as soon as the first problem arises, but NO they let us loose monies- do to not being able to process’ and then when they do process, they charge the customer 2 or 3 times and have to waste time correcting their mistakes…..oh……but the server was down is all I hear….

    Asked to have a supervisor call me and was told “I’ll send an e-mail to them” —— but no one ever calls back…..

    I am switching to another processing company do to the fact that this company never returns calls, does nothing but say “I’m sorry” and has been losing me customers and monies ever since their so called “server” keeps going down…….

    I DO NOT RECOMMEND THIS COMAPANY IN ANY SHAPE OR FORM…….

    It seems that most of the negitive reviews are somehow misplaced… Every other business can’t “just be in love with this merchant……”

  • Overall Rating55555
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    I’ve been with Merchant Warehouse for over three years now. When I first signed up I was a first time business owner, had just sunk my life savings into a convenience store after being laid off from my factory job. I was so new to all of this and my sales rep at Merchant Warehouse was amazing! They took the time to explain how my account would function and answered every little question I had, which is so important because if you don’t know how to run transactions properly they will cost you more, so ask and don’t say yeah yeah yeah what’s the rate. Customer service with Merchant Warehouse has always been prompt and helpful. As for the costs, Merchant Warehouse has taken care of me and continues to do so. As a retail store I have agents for over companies come in all the time trying to get me to switch but none of them have been able to offer me the low rates and in-house customer service that Merchant Warehouse does. All I can say is these guys deliver if you take the time to work with them and learn the merchant account industry and how cards are priced and should be processed.

  • Overall Rating11111
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    I was processing cards at a flat rate of 2.75%. After spending a good part of two days trading e mails, account statements, applications, and several different forms, I was approved. I requested the ability to accept American Express, which was a flat rate of 3.5%. No problem. The rates for non qualified rates concerned me. I was told, and I quote
    “After looking over your bank statements and learning a bit about what you do I wouldn’t worry too much about non qualified rates because those are just for some corporate cards and government cards which you probably wont see too much of. The rates for Non are +1.99% + $0.10. For rewards cards the rates are +1.79% + $0.10. Based on what I saw from your statements it looks as though the majority of your cards will be debit and personal credit cards which are 0.39%+$0.04 and 2.19% + $0.21 respectively. ”

    My first charge was a Visa Card. I was charged over 4% by Merchant Warehouse. My second was an American Express Card, I was denied because the application was never filed. I called AMEX directly and was approved. I was charged 3.5%. When I questioned the charges, I was told that AMEX made a mistake. They did not. After four e mails to my salesman and customer service, I still got the same answer. Finally I spoke to a different customer service rep, and the charges were explained. I was charged for three batches, even though I only charged two cards. My Visa rate was a non qualified rate of 4.18%, precisely what I had inquired about when I applied. Smoke and mirrors to get me on board! Wish me luck getting my $100 for Merchant Warehouse not beating my rate. I cancelled my account after a grand total of ONE charge.

  • Overall Rating55555
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    What a great company. I called up Merchant Warehouse and within 24 hours was up and operating. They were so transparent with me and with no contracts or cancellation fees I felt confident they would deliver as promised. I had a ton of questions and they were patient with me and answered everything I asked. If you are looking for a reputable company go with these guys, they even have an A+ rating with the BBB

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