The short answer
A charge from MERCHANT ONE* GATEWAY represents a monthly gateway fee ($13.95/mo), POS software license, or payment processing statement fee from Merchant One, Inc.
Why it shows up like this
Merchant One provides merchant processing accounts, point of sale credit card terminals, mobile card readers, and payment gateways for retail stores, restaurants, and small business owners across the United States. Businesses rely on these payment solutions to accept major credit and debit card transactions from customers.
Transactions appearing on financial statements as MERCHANT ONE* GATEWAY, MERCHANT ONE INC, or M1* PROCESSING typically represent recurring monthly gateway access fees, statement maintenance fees, or PCI compliance charges. These recurring monthly subscription fees occur automatically as long as the merchant account remains active.
If you do not recognize this business charge, verify whether your company or organization holds an active merchant processing agreement with Merchant One. Unidentified charges require immediate review of business bank statements and contract cancellation records. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Common reasons for this charge
Recurring merchant fees cover infrastructure maintenance and secure payment gateway access. Reviewing monthly merchant statements clarifies individual fee breakdowns.
- A recurring monthly payment gateway access fee ($13.95/mo).
- A monthly merchant account statement or PCI compliance maintenance charge.
- A terminal equipment rental or wireless SIM connectivity fee.
How to locate the invoice and cancel
Accessing your merchant portal allows you to review historical processing statements. Closing the merchant ID formally stops ongoing monthly gateway fees.
- Sign in to Merchant One Portal Go to merchantone.com and sign in to your merchant dashboard.
- Access Statements review to Reports > Monthly Statements to review fee breakdowns.
- Cancel Service Call Merchant One support at 1-800-360-0320 to request account closure.
Frequently Asked Questions
Understanding merchant account terms ensures business owners avoid unexpected monthly maintenance fees. Direct communication with processor support resolves billing inquiries.
Is Merchant One an ongoing contract?
Merchant One offers month-to-month merchant agreements with no cancellation fees on standard qualifying accounts.
How do I stop the $13.95 monthly fee?
You must formally close the merchant ID (MID) by calling 1-800-360-0320 or submitting written notice to support@merchantone.com.
Dispute Rights & Fraud Prevention
If you did not open a Merchant One processing account, report the unauthorized transaction to your bank.
Dispute unauthorized charges within 60 days under the Fair Credit Billing Act.
How do I contact Merchant One support?
Call 1-800-360-0320 or visit merchantone.com/support.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Merchant One, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Merchant One Terms of Service https://www.merchantone.com
- CFPB: Commercial Payment Processing Protections https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges