e-onlinedata Overall Rating
Last Updated: January 14, 2014
e-onlinedata (e-onlinedata.com) is a merchant account provider and wholly owned subsidiary of PowerPay, another merchant account services company. Although the company is considered to be a brand of PowerPay, for the purposes of this review we are going to treat e-onlinedata as a separate company and grade it as such. The company’s name is also often misspelled as “e-online data,” “eonline data,” and “e online data.”
Founded in 2001, e-onlinedata is based out of Portland, Maine. The company boasts that it is the largest reseller of Authorize.net’s payment gateway. e-onlinedata focuses only on providing credit card processing services and appears to be able to supply just about any processing need. The company uses third-party processors to handle the actual card processing, with Global Payments as the primary processor. Although e-onlinedata uses third party processors it appears to handle the customer service of its accounts directly. e-onlinedata is a registered MSP/ISO of Deutsche Bank AG, National Association, New York.
e-onlinedata Sales & Marketing Tactics | A+
e-onlinedata does not use any misleading marketing or sales tactics that are apparent to this reviewer. The company does, however, appear to rely heavily on strategic partnerships and independent resellers. The use of independent resellers would normally lower a company’s rating in this section, but e-onlinedata has not suffered from the typical complaints found with most other providers that utilize the marketing practice.
e-onlinedata Costs & Contract Terms| A+
Pricing with e-onlinedata appears to vary slightly based upon a merchant’s processing volumes and needs, and the agent setting up the account. With that said, evidence suggests that the company offers fair and reasonable rates and fees. Additionally, e-onlinedata offers month-to-month service agreements with no cancellation fees.
e-onlinedata Complaints & Service | A
For the most part, e-onlinedata has no recent legitimate complaints filed online in the usual forums. There was a rash of complaints filed in 2003 in one forum from merchants complaining that e-onlinedata quoted that it had no gateway fees and failed to mention that Authorize.net would charge a gateway fee. A few also complained of receiving poor customer service. Since then, it looks like e-onlinedata has corrected the issue. Other than that, there are only a handful of minor complaints, most of which occurred in 2011.
e-onlinedata BBB Report | B
e-onlinedata shares its Better Business Bureau (BBB) report with PowerPay. As of this review, the BBB is assigning a “B” based on 41 complaints filed in the last 36 months. The BBB does not separate complaints for e-onlinedata, but out of the total, 18 are due to billing & collection disputes, 17 with product and service issues, five with advertising or sales issues, and one regarding a delivery issue. The report states that 25 of the complaints have been fully resolved while 16 merchants reported they were not satisfied with the company’s response.
On the surface, e-onlinedata appears to be a solid performer. Overall, the company scores well in most areas and offers month-to-month contracts; however, based on a theme found in a few complaints, e-onlinedata may have some issues with its customer service. Merchants are encouraged to fully read and understand the terms of the company’s merchant account agreement before signing.
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