MerchACT Review

August 15, 2022

MerchACT Review

MerchACT specializes in merchant accounts for high-risk businesses. It provides solutions for domestic and international payment processing. The company highlights transparency, accountability, and low fees among its many benefits for merchants.

Below is an overview of merchant services offered by MerchACT:

  • High-risk merchant accounts
  • Domestic merchant accounts
  • International / offshore merchant accounts
  • Payment processing for credit cards and ACH payments
  • E-commerce integrations via API
  • Chargeback and fraud prevention

image of merchact logo


MerchACT Merchant Services

High-Risk Merchant Accounts

MerchACT takes pride in offering the “fastest and easiest” method for domestic merchant accounts. After discussing our current business and situation, the company will work to secure the best solutions and rates for your account.

MerchACT also helps domestic merchants secure an international merchant account. It is also available for Canadian and European companies. With this type of account, businesses can take advantage of fast approvals, multi-currency payment solutions, and no volume caps. Some of the currencies you can accept with this type of account include USD, GBP, CAD, AUD, EUR, HKD, JPY, INR, CNY, DKK, and SEK. In addition, merchants can also avail themselves of a Mauritius merchant account. Benefits are favorable tax benefits and lower fees.

MerchACT allows merchants to apply for multiple merchant accounts. Depending on your business, you can also benefit from unlimited processing.

Payment Gateway and Terminals

The payment gateway from MerchACT is reliable and secure. It is also PCI-compliant. It lets you accept debit cards, credit cards, and ACH payments and take advantage of secure account verification. The payment gateway supports batching, voids, and returns. It also allows merchants to generate reports and track real-time transactions.

Along with a payment gateway, MOTO merchants will have access to a virtual terminal as well.  For retail merchants, MerchACT provides credit card terminals.

image of merhact payment gateway


Payment Processing

Once your merchant account is set up, businesses can accept credit card payments over the phone, in-person, and online. All major credit cards are accepted. These include MasterCard, Visa, American Express, Maestro, Discover, Visa Electro, and UnionPay. This applies to international merchant accounts as well. Apart from credit cards, merchants can also process ACH payments.

MerchACT guarantees instant payment processing and fast funding.

E-commerce Integrations

The company provides APIs for merchants to easily integrate payment processing services into their existing website or shopping cart.

Chargeback and Fraud Prevention

Risk management is another service offered by MerchACT. It has a chargeback reduction plan and tools to minimize fraud while improving conversions. Its systems are also SSL-encrypted for added security.

image of merhact fraud prevention

MerchACT Fees, Rates, and Pricing

Processing Fees

MerchACT does not disclose its processing fees online. It offers customized rates depending on your industry and payment processing needs. If you use recurring billing, you may be eligible for lower monthly, annual, or weekly fees instead of per-transaction fees.

Interested merchants can request a quote by contacting the company.


Additional Fees

MerchACT does not charge for applying or setting up your system. The company also offers advice via a free consultation. This comes with no charge or obligations.

Other than that, it is unclear whether there are additional fees for other services.

Hidden Charges

MerchACT claims to be transparent with its fees from the beginning. It assures merchants of no hidden fees and no “bait and switch.”

image of merchact has no hidden fees

MerchACT Complaints

Rip Off Reports

There are currently no reviews accusing MerchACT of being a rip-off or scam.

Other Complaints

Similarly, there don’t seem to be other types of complaints about the company.


MerchACT BBB Rating

MerchACT is not an accredited company by the BBB.

BBB Reviews

The company does not have any BBB reviews, nor does it have a BBB profile page.


Is MerchACT Legitimate?

image of is merchact legitimate

MerchACT is a legitimate company based in Florida. According to its website, it has been around for over a decade. It was established by two industry veterans, Patricia B. Weber and Jared Ronski. However, based on lawsuit information found online, it seems the latter is no longer associated with the company. Furthermore, the website’s About Us page only mentions Patricia. The information shows that her industry experience dates back to 2002. She has helped numerous clients process billions’ worth of transactions.

MerchACT also appears in several PR articles. It was featured in reputable publications Content Rewired, PR Newswire, and EIN Presswire. The company also appears on a few independent review sites. Top Credit Card Processors gave it awards for Best E-Commerce High-Risk Processing and Best High-Risk Merchant Account Provider.


MerchACT does not seem to be involved in any reports of scams or fraud.


There is one lawsuit with MerchACT as the plaintiff. It is against co-found Jared Ronski. It was filed in 2020 and seems to be ongoing.


MerchACT Customer Reviews

There is also one review about MerchACT on the Offshore Reviews website. The merchant gave it a 4-star rating and praised the company for its help in opening an offshore merchant account. Other than that, the company does not seem to have any other customer reviews.

image of merchact customer reviews


Merchants looking to expand their business in international territories may benefit from MerchACT’s services. It offers offshore merchant accounts for US, Canadian, and European companies. This enables merchants to process multi-currency payments and avail of tax benefits.

The company’s high-risk payment processing is another notable service. It offers customized rates and risk management tools, which high-risk merchants may appreciate. It also offers a free consultation for interested merchants.

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