Merchant Warehouse Review

Merchant Warehouse
1 Federal Street
Boston, MA 02110
Phone 866-382-3061

Updated: June 2019

Merchant Warehouse is one of the largest merchant account providers. They have developed a solid reputation as a trusted leader within the credit card processing industry and are noted for their vast payment processing solutions, software, and equipment. Merchant Warehouse also provides quality customer service and guaranteed low prices with no contracts. Overall, they strive to deliver a high level of benefits to their merchants. As a result, they are a recommended merchant account provider.

Overall Cost – Rates & Fees
Merchant Warehouse offers a low cost guarantee for software, equipment and merchant services. They will match any competitor’s price on software and hardware, plus they will give you another $10 off your purchase. The merchant services guarantee is even more generous. They will beat any competitive offer, or if they can’t do better, they will send you a check for $100.
Merchant Warehouse doesn’t quote rates or fees on-line. You will have to contact them directly to find out what they offer. We have found that Merchant Warehouse does a good job of determining rates and fees that will produce the lowest overall cost for their merchants. Just as with any merchant provider, the rates and fees you get will depend on a number of factors, including the type of cards you accept, the type of account you intend to open, the type of transactions you process, and other specifics. Merchant Warehouse’s total overall cost approach is effective and you should feel confident that you will receive very competitive rates and fees.

Customer Service
They have a large staff, available 24 hours a day, 365 days a year. They can be reached by phone, email or by live chat on their website. The customer service group is set up as two departments: account services and equipment support. Both departments are steadfast in making sure your problems are fixed. It is apparent that Merchant Warehouse understands the value of customer support.

Credit Card Processing Options
Merchant Warehouse offers high quality solutions for just about every type of transaction processing – retail, Internet, wireless/mobile, mail, phone and others.

If you have an e-commerce site you will need to accept credit cards on-line. Your customers can purchase your goods with the click of a mouse by utilizing a payment gateway with your on-line merchant account. Merchant Warehouse offers a free or LinkPoint payment gateway set-up when you sign up for an account.

When you are doing business face-to-face you will need a credit card terminal or virtual terminal with a gateway account. Merchant Warehouse has over 40 different terminals available for any type of situation you may need and a selection of IP compatible terminal options. In addition, they offer pin pads and contactless payment readers.

Wireless & Mobile
Merchants on the go can be assisted by wireless and mobile credit card processing functionality. Merchant Warehouse has one of the largest selections of wireless/mobile enabled, remote credit card machines in the industry. These machines are tied into AT&T Cingular and Verizon networks. Merchant Warehouse carries wireless terminals from many of the major manufacturers, including Exadigm, Nurit, VeriFone, Way Systems and Ingenico.

Mail & Telephone
MOTO (Mail Order Telephone Order) businesses collect credit card information in a keyed-in fashion since the consumer is not present to swipe their credit card. Merchant Warehouse offers plenty of virtual terminal options for MOTO merchants.

Merchant Warehouse has an A+ rating from the Better Business Bureau. They were established in 1998 and they have served over 100,000 merchant accounts. No merchant account provider will have 100% customer loyalty, but their 85% retention rate is respectable. They are a very large player in this space with a solid overall reputation.

Additional Features
•    Free assessment of competitive rates and fee quotes
•    No cancellation fees
•    1 day set-up time
•    Easy on-line application process with a 99% approval rate
•    Gift cards
•    Cash advances
•    Check readers