MerchantPlus Review

Updated: June 2023

MerchantPlus has been helping merchants accept credit cards since 2003. They offer processing solutions for internet, wireless, mobile, retail, phone and mail merchants. Their customer service is available 24/7 and they strive to solve problems as quickly as possible to avoid downtime for your business. They also offer a low price guarantee along with clearly stated rates & fees. Other advantages include fast approval times, international and high risk processing, interchange pricing for high volume merchants and a free payment gateway. MerchantPlus is one of the top merchant account providers as a result of their high quality product at a very reasonable price with excellent customer service.

Overall Cost – Rates & Fees
MerchantPlus starts swiped transactions rates at 1.74% and keyed-in transaction rates as low as 2.15%. Swiped transaction fees are $0.20 and keyed-in are $0.25. As is the case with any merchant account provider, rates and fees will vary based on several factors (type of transaction, types of cards you accept, type of account and more). MerchantPlus also has no monthly minimums, no set-up fees, no application fees and no annual fees.

Customer Service
MerchantPlus has a strong customer service department. They are experienced and available to their merchants 24/7. The customer service department is filled with MerchantPlus employees – they do not outsource their customer service. They also make customer response time top priority which should give merchants some piece of mind in today’s fast paced business environment.

Credit Card Processing Options
MerchantPlus offers processing solutions for any type of merchant. Internet, wireless/mobile (iphone, Android or Windows 7), retail, mail and phone as well as customized solutions for merchants with complex processing needs.

Internet
All internet processing accounts require a payment gateway. MerchantPlus offers a free payment gateway called NaviGate. Most providers charge about $10 a month for a gateway so this is a nice feature. NaviGate is one of the best virtual terminals on the market and is also compatible with Authorize.net and many other gateways. NaviGate allows its customers to integrate their on-line check-out process or use a payment script for online purchases.

Retail
When you sell at retail location you should use a point of service credit card terminal. MerchantPlus has retail terminals available through purchase or lease. They offer only the best terminals on the market which includes First Data, Hypercom and Ingenico.

Wireless & Mobile
With wireless/mobile processing you can process credit cards anywhere. It is a great option for merchants who travel while conducting their business. MerchantPlus offers flexible and reliable wireless equipment such as Exadigm, Ingenico, Verifone and Way Systems. MerchantPlus also offers mobile processing solutions for the iPhone, Android and Windows Phone 7.

Mail & Telephone
MerchantPlus offers a virtual terminal, credit card machines or wireless solutions as part of their mail & telephone processing.

Reliability/Credibility
MerchantPlus has a Better Business Bureau rating of A+. They have been in business since 2003 and have helped over 20,000 merchants world-wide. Their customer retention rate is ?. They have a very good reputation in the industry in regards to price, service and technology.

Additional Features
• Payment systems consulting services
• Enterprise solutions
• eBay processing
• Multiple supported shopping carts
• Merchant support forum