First American Merchant Review

August 4, 2022

First American Merchant services different industries. Some of their regular clients are in the retail and hospitality industries. The company also provides products and services to high-risk businesses such as liquor, medical marijuana, business loans for bad credit, and minority business loans. Apart from providing payment processing solutions, the company also works with high-risk and offshore merchant accounts.

image of first american merchant logo

Lately, it has also dabbled into cryptocurrencies like Bitcoin. Some businesses have a difficult time getting approved for loans and payment processors. They can reach out to First American Merchant. The company works to get funding for its clients. Their business funding programs include:

  • merchant cash advance
  • small business funding
  • consumer financing
  • ACH loans
  • microloans

First American Merchant’s mission is to help small businesses get the capital they need. The company also helps businesses to get approved for emergency business loans. One of the company’s advocacies is to provide opportunities for women entrepreneurs.



First American Merchant Merchant Services

Credit Card Processing

image of first american merchant credit card processsing


Online businesses need to start accepting credit card payments. Otherwise, they are going to lose customers to their competition. First American Merchant provides credit card payment solutions for all regular and high-risk businesses. It can even set up domestic and offshore merchant accounts. The company also works with national and international banks.

High-risk Merchant Account

Businesses that cannot get approved by traditional payment processor providers need to look for a company like First American Merchant. First American Merchant can provide regular merchant accounts. It also offers payment gateways, point-of-sale (POS) systems, and integrated shopping carts.

Check Processing Services

First American Merchant can also provide e-check processing solutions. Some customers don’t want to use their debit or credit cards when paying for purchases. The solution is for merchants to process e-checks either in-person or by phone. Banks can clear the checks in as fast as 24 hours. Clients will see the funds in their accounts the next day.

Bad Credit Merchant Account

image of first american merchant bad credit merchant account

Aside from working with high-risk industries, First American Merchant also approves businesses with bad credit histories. They accept merchants no matter how bad the credit line is. If your business filed for bankruptcy in the past, you can still be eligible for a merchant account with First American Merchant.


No Credit Check Funding

First American Merchant provides regular loans for small businesses, especially those owned by women entrepreneurs. However, one of the company’s endeavors is to provide funding opportunities to businesses that would have otherwise been rejected by traditional banks. Businesses with bad credit history usually cannot get funding. That’s where First American Merchant comes in. The company can waive eligibility requirements.

Chargeback Protection

Merchants usually shoulder the chargeback fees when customers ask to return a product or cancel a transaction. Too many chargebacks will push the service provider to take money from your escrow. They also affect the merchant’s good standing.

First American Merchant has a chargeback protection feature. It provides documentation and solutions for credit card chargeback issues.

image of first american merchant chargeback protection

First American Merchant Systems Fees, Rates & Pricing

Processing Fees

First American Merchant does not publish its rates and processing fees on the website. It has a form that customers can fill out. It will then send a comparison chart so clients are aware that they are supposedly getting the best deals.

The company promises transparent pricing and no cancellation fees. Also, First American Merchant does not charge setup or application fees.

Additional Fees

There is no information about First American Merchant’s additional fees.


Hidden Charges

There is also no information that First American Merchant has hidden charges.

image of first american merchant has no hidden charges

First American Merchant Complaints

Rip Off Reports

There are no reports about First American Merchant being a rip-off. Even a thorough search on Google resulted in zero information about rip-off reports.

Other Complaints

There are no other complaints about First American Merchant.


First American Merchant BBB Rating

The Better Business Bureau (BBB) provides ratings for businesses so customers can decide whether to support the business or not. These ratings are based on customer reviews.

First American Merchant has an accreditation from the BBB. It also has an A+ rating. The business has been accredited since 2016.

image of first american merchant bbb rating

BBB Reviews

However, there are no customer reviews of First American Merchant on the BBB website.


Is First American Merchant Legitimate?

First American Merchant has been around since 2010. Having been in the business for more than a decade, the company has tapped lenders for hundreds of businesses. According to its website, the company has provided between $5,000 and $500,000 funding to businesses. Its latest loan approval was priced at $450,000.

Since it is accredited by the BBB, then it is safe to say that First American Merchant is a legitimate business. It also has a license from the California Department of Business Oversight.


There are no known scam reports about First American Merchant.


First American Merchant has no known lawsuits.


First American Merchant Customer Reviews

The company has generally good ratings from review sites. Experts like its fast funding and high-risk small business loans. Clients also like the company’s large network of lenders. They also love that the company works with all credit types.

Moreover, clients commend the company for its turnaround time of 24 hours. This fast turnaround allows companies to start accepting credit card payments immediately.

However, some customers don’t like that First American Merchant is not transparent with their fees. They would love it if the company can publish its rates on the website.

image of first american merchant customer reviews


First American Merchant is a BBB-rated company. With a rating of A, it can be considered one of the more reliable payment processing service providers. It is best for merchants that work in high-risk industries such as adult entertainment, cannabis, nicotine, and many others.

Although it doesn’t publish its fees and interest charges, interested clients can directly reach out to the company or work with a broker.

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