Electronic Merchant Systems Overall Rating
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Electronic Merchant Systems (EMS) Overview
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Electronic Merchant Systems (emscorporate.com) is an Ohio based merchant services provider that started business in 1987. Though this company has been in the credit card processing industry for over 20 years, it seems that it still has room for improvement in customer satisfaction department. As of this review, the Better Business Bureau (BBB) is reporting a “D+” rating for Electronic Merchant Systems with 92 complaints filed in the last 36 months. Furthermore, the company has several complaints filed elsewhere online.
The majority of complaints appear to stem from two main issues: First, Electronic Merchant Systems has a sub-ISO and Independent Agent program where many of the complaints seem to originate. The reason for this can often be traced to poor training and a focus on high commissions. Therefore, agents often leave out important details with contracts and fees which later surprise the merchant.
Second, Electronic Merchant Systems has an auto-renewing contract that only offers a small window of opportunity to cancel before the contract renews for another term. There are several complaints from merchants stating that Electronic Merchant System hiked their monthly fees without notification just as their contract renewed for another term of anywhere from 1-4 years. Merchants were forced to continue with the higher fees or cancel and incur a $300-$400 cancellation penalty. One merchant also reported that had to pay a $1,500 cancellation penalty for a terminal lease because Electronic Merchant Systems threatened to sue if he didn’t. In another complaint an Electronic Merchant Systems representative responded publicly and condescendingly to a merchant complaint by accusing the merchant of being a liar, which this reviewer found to be very unprofessional.
Electronic Payment Systems is a registered ISO/MSP of Chesapeake Bank and Merrick Bank. It could not be determined during the time of this review if the company is a direct processor or partnered with a processor. If you have this information please leave it in the comment section below.
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3 comments
Kelsey
April 19, 2012 at 3:50 pm (UTC -7)
They actually have been in business for longer than 20 years. And If the company is such a scam then why are they still in business and getting new cliental on a daily basis? EMS has helped a large amount of businesses with saving money. I have heard nothing but good from the current merchants whom are doing business with EMS.
Rich
November 15, 2011 at 3:23 pm (UTC -7)
EMS Electronic Merchant Systems aka Francis David Corporation is a sham. In the above review they blame it on agents/iso. That is a false statement. Corporate employees are trained the same way. They focus on getting statements and rate reviews. Then comeback showing how much money the merchant can save on the rate review. They fail to mention the $125 fee to set up. The $75.00 semi annual technology update. There are more charges than I’m going to mention. You will need to use a microscope to review the fine print on the contract. The contract auto renews. You have to notify them 90 days prior to the year. I suggest doing it certified mail with return receipt. They will say you never notified them. This company has zero ethics. As soon as you sign they will bleed you dry. Stay far away from EMS as you can.
Phillip Parker
November 15, 2011 at 5:26 pm (UTC -7)
Hi Rich,
Thank you for your your review. Are you are merchant that used this company, or are/were you an employee?