e-onlinedata Overall Rating
Last Updated: June 24, 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 and a subsidiary of EVO Merchant Services, 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.
|Key Points – Sales & Marketing|
|Uses independent resellers?||Yes|
|Promotes deceptive rate quotes?||No|
|Discloses all important terms?||No|
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 is typically tied to elevated complaint rates for a provider, as independent entities tend to receive less oversight and training than in-house sales agents. In this case, we have located a handful of recent merchant reviews that allege nondisclosure or misrepresentation of fees by an e-onlinedata sales rep. We have therefore slightly lowered the company’s grade in this section.
|Key Points – Costs & Contract Terms|
|PCI compliance fee:||$129 per month|
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 the standard PowerPay rates and fees. These include a $250-$350 early termination fee, a $129 PCI Compliance fee, and a tiered pricing structure that may or may not be clearly explained by a sales agent. In addition, e-onlinedata offers equipment leases that could be multiyear agreements.
There is some indication that e-onlinedata resellers are permitted to waive certain fees under specific circumstances. Merchants are encouraged to negotiate for the best possible rates and fees through this provider whenever possible (see: “Fee Sweep“).
|Key Points – Complaints & Service|
|Live customer support:||Yes|
|Most common complaint:||Hidden fees|
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 posters 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, three of which were filed in the last six months beneath this review.
|Key Points – BBB Report|
e-onlinedata shares its Better Business Bureau (BBB) report with PowerPay. As of this review, the BBB is assigning no rating based on 48 complaints filed in the last 36 months. The BBB does not separate complaints for e-onlinedata, but out of the total, 24 are due to billing and collection disputes, 19 with product and service issues, three with advertising or sales issues, and two regarding delivery issues. The report states that 23 of the complaints have been fully resolved while 25 merchants reported they were not satisfied with the company’s response. In addition, the company has had 11 negative user reviews filed against its BBB profile.
Overall, e-onlinedata appears to be a solid but not spectacular merchant services provider. The company is showing a low-to-moderate complaint rate; however, based on a theme found in a few complaints, e-onlinedata may have some issues with its customer service and sales practices. Merchants are encouraged to fully read and understand the terms of the company’s merchant account agreement before signing.
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