Merchant Warehouse Reviews Complaints for Merchant Warehouse

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Reviewed by:
On July 31, 2020
Last modified:October 4, 2020


Merchant Warehouse is currently our top ranked merchant service provider, and receive this award based on a number of factors. The strongest of which relates to their customer service, sales experience and cancellation policy.

Merchant Warehouse

Merchant Warehouse ( is a large Merchant Service Provider that was founded in 1998 and is headquartered in Boston, Massachusetts.

Merchant Warehouse is accredited with the Better Business Bureau and has an A+ rating with them. Over the past three years, they have had 90 complaints filed against them, with 21 closed within the past twelve months. Seven of the customers whom filed complaints felt that the response they received was unsatisfactory. The majority of the complaints filed cited billing/collection issues as well as problems with product/service. This is a relatively low number, less than one percent of their 140,000 merchants, especially when compared to other merchant serve providers of their size. Merchant Warehouse also lets you read the complaints filed against them, which makes them seem a lot more transparent and they also seem to do a great job of giving prompt solutions.

Merchant Warehouse has a large inside sales team, and sales reps typically undergo between 1 and 3 months of training to ensure that they are comfortable working to properly quote and price the various different business types. As stated above, their most recent marketing campaign is their Genius Platform which combines a lot of new processing solutions into one seemingly easy to use platform. For example, if a merchant wanted to be able to take QR codes as a form of payment, they previously had to purchase a separate device. As new forms of payments like Google Wallet and QR codes begin to arise, Genius will definitely make things a lot easier and more economical for any business as it looks as though it may be a future proof product.

For swiped/retail merchants, Merchant Warehouse offers a 0.39% debit card rate with a $0.25 transaction fee. For qualified cards, their rate is 1.69% and $0.21 per transaction, however the rates can be lowered for merchants that have statements available. Retail accounts have a monthly service fee ranging from $4.95-7.95 with no monthly minimum. For keyed/e-commerce merchants, they offer the same debit card rate and same transaction fee but with a 2.19% qualified rate. Merchant Warehouse does not have a cancelation fee for any of their accounts and also include dues and assessments in their rates. Like most large merchant service providers, they are also able to offer interchange plus pricing and can be very competitive for any business currently processing and looking for a rate review.



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