0 Merchant Review

May 6, 2022

0 Merchant is led by veterans in the financial services industry. It works with small businesses and international merchants in various capacities. Aside from financial solutions, the company also provides physical terminals to allow merchants to process credit card payments in-store and virtually.

If you already have an existing e-commerce site, 0 Merchant can work with any shopping cart platform, including the following:

  • WordPress
  • Magento
  • 3dcart
  • Shopify
  • Salesforce
  • Opencart
  • osCommerce
  • WooCommerce
  • Ecwid
  • XCart
  • Volusion

Aside from these shopping cart software, 0 Merchant can also be well-integrated into apps and point-of-sale (POS) systems like those found in trade shows and exhibits.

The company aims to help merchants accept as many payment options as possible. It can even customize the right payment processor for its clients. 0 Merchant also offers next-day funding and a merchant dashboard with full reporting.


0 Merchant Merchant Services

Credit Card Processing

Businesses cannot grow and survive without accepting card payments. 0 Merchant has the tools and software to allow any kind of business to start accepting card payments in a matter of days. It can set up merchant accounts no matter what kind of business you are in, so you can offer more payment options to your clients.

Payment Gateway

Merchants must ensure the safety of the information between them and clients. Part of a merchant’s job is to make clients comfortable with the transactions. A secure payment gateway does that. 0 Merchant has payment gateways, which e-commerce stores use to accept credit cards and e-check payments.


0 Merchant Overview



0 Merchant’s payment gateway is also used as a virtual terminal for phone orders. Aside from ensuring the safety of financial information, payment gateways have other features, such as:

  • Invoice
  • Click to pay
  • Recurring billing
  • Mobile payments
  • Multiple currencies
  • Enhanced security functionality

Point-of-sale (POS)

If you already have an existing POS machine, 0 Merchant’s platform can still work with that and help run the business smoothly. It has a wide range of POS machines, including swipe cards, EMV chip cards, and mobile wallets. Merchants can get a new POS system if existing ones can no longer comply with their business requirements.

Mobile Solutions

Businesses on the go need mobile payment options. They allow customers to pay for their purchases using e-wallets. 0 Merchant’s mobile card reader can be integrated into any mobile device, so businesses can attend exhibits, trade shows, and other outdoor events without missing out on the chance to sell.


Business Capital

0 Merchant also provides funding for startups. It has a quick online application, the eligibility of which depends on the business and not the entrepreneur’s credit history. After the approval, funds can be available as fast as two days. Payments can be made in small increments, so businesses can operate normally without thinking about the loan.

0 Merchant Fees, Rates & Pricing

Processing Fees

0 Merchant has four different plans. The flat rate is offered for $49 a month and 10 cents a sale, while interchange plus is at 0.25% plus 10 cents a sale. There’s also a 0% cash discount wherein credit card fees are passed along to the customer. The custom plan is typical for high-volume and high-risk merchants.

Additional Fees

There is no information about 0 Merchant’s additional fees.

Hidden Charges

There are no reports of 0 Merchant having hidden charges.

0 Merchant Complaints

There are no recorded complaints about 0 Merchant.

Rip Off Reports

There are no rip-off reports about 0 Merchant.

Other Complaints

There are no other complaints about 0 Merchant.


0 Merchant BBB Rating

0 Merchant is not accredited and rated by the Better Business Bureau (BBB). The bureau accredits payment processing companies in the United States, Canada, and Mexico. Many merchants feel the need to check the BBB rating first before partnering with a payment processor. It should be noted that the bureau isn’t the only association that can accredit payment processors.


0 Merchant Overview


BBB Reviews

Because 0 Merchant is not accredited and rated, there are no reviews and complaints about the company on the BBB website.

Is 0 Merchant Legitimate?

Although 0 Merchant does not have much presence on the internet, it does have a physical office that you can visit. Although they don’t seem to be very active, it has Instagram and Twitter profiles. It only has 32 followers on Twitter and 119 on Instagram.

ScamAdviser gave its website an average to good trust score with a rating of 95/100. Here are the positive highlights of the site:

  • The website is very old.
  • It has a valid SSL certificate.
  • It uses advanced technology.
  • The website is an online store.

The negative highlights include the use of WHOIS, low Alexa ranking, and the lack of reviews on popular sites.


There are no scam reports about 0 Merchant.


0 Merchant is not involved in any lawsuit.

0 Merchant Customer Reviews

Other payment processing companies publish client testimonials on their websites. They even have reviews on common review sites, as well as on their social media pages. 0 Merchant doesn’t have those. However, it has a single positive Google review.

The customer, who works in a big restaurant chain, said 0 Merchant provided credit card processing services to his company. They were pleased with their choice because 0 Merchant was very clear about any information they needed, particularly the processing fees.


Despite not having much information about 0 Merchant, you can visit its office and learn more about the company. That is what’s great with having a physical office. Merchants can confirm the credentials and legitimacy of the service provider. For those who cannot visit the location, the information on 0 Merchant’s website gives you enough details. The company is transparent with its fees and provides a lot of information about what it can do.

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