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 accounts, credit card processing terminals, mobile card readers, and payment gateways for small businesses.
Descriptors include MERCHANT ONE* GATEWAY, MERCHANT ONE INC, or M1* PROCESSING, typically billing a monthly gateway or statement fee of $13.95.
Common reasons for this charge
- 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
- 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
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 [email protected].
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.
How long does a dispute investigation take?
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