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Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.


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Permanent link to this article: http://www.cardpaymentoptions.com/credit-card-processors/evolution-bankcard/

12 comments

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  1. Eileen Burch

    I am a part owner of Amazing Vapes, LLC in Mt. Pleasant, MI. While signing up with Evolution I was still checking out other options. I decided to go with the square through Verizon. Before I had the chance to call Evolution back, they had sent me the terminal. I mailed back the package and email to the person I was dealing with and told him. He asked me if I filled out a cancellation form. I said “no, would you please send me one” He never sent me a form. On June 3rd they deducted a $64.00 and $64.20 from my account. I again emailed to the guy and he said he would let customer service know. I didn’t get any answer for several days so I called them. They faxed me a form and I sent it back that day. I called on June 24th to make sure that they received it. The person said that they did and I should get my refund by July 3. Well on July 2 I did not get my refund, instead I was charged $15 twice. They are charging me as if I had two terminals and I do not have ANY. So I called again on July 8th, and he said that it would take about 10 days for the refund. From the time I called the first time and now has been longer than 10 days. This place is a scam. They are all about getting people hooked. I warn you not to go with this company!!!!!

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    5 / 5 found this review helpful.
  2. Mark

    If you are considering using Evolution to process your credit cards….NOW LISTEN CAREFULLY…DONT! THESE FOLKS ARE TOTAL LYING SHEISTERS (Scheisse is German for shit). You can read Jenny’s message (May 5, 2014) about Thomas Smith. He is the most unbelievable convincing LIAR that I have ever dealt with. He promised me a flat rate of 1.99% for all cards including international credit cards with 24 hour funding. I pointed out in the contract (which he says is not a contract) that it says there is a 1.99% surcharge for non-qualified cards. I asked him if the meant my rate for non-qualified cards is 1.99% plus another 1.99% making it 3.98%? He promised me that it is a flat 1.99% and not 3.98%. After I signed up, nothing happened. I did not get a call and no credit card machine or iPhone swiping device was delivered. I called a week later and was told the swiping device would delivered Wednesday. I was told there would be instructions how to set it up. The only thing included was a tiny 2 X 3″ folded paper saying to plug in device to phone and “download app”. I called and was told to call customer support. Then I found out that I was not set up with Evolution instead with PowerPay. They told me they are connect with Evolution After I set up the app, I asked if my rate is a flat 1.99% for all cards. Ben at PowerPay said NO and that my rate if 1.99% for qualified, 2.49 for mid-qualified, and a 3.98% for non-qualified wqith 48 hour funding and not 24 hour funding. When I said that Thomas Smith promised me that it is a flat rate of 1.99% for all cards and 24 hour funding, all of a sudden they tell me that PowerPay is a total separate company from Evolution and I have to talk with Evolution. I called Thomas Smith and he still swore that it is a flat 1.99%. I asked him that if I run a charge on today (Friday) will i see my money in my account on Monday with a transaction fee of only 1.99%. He said that the money will be there on Monday with only 1.99% transaction fee and he will send me a statement on Tuesday showing only 1.99% transaction fee. So I ran a “test” charge of around $300 and sure enough no money in my account on Monday. I was told underwriting needed and W9 form. I emailed it to them and I was funded 48 hours later (not 24 hour as promised) and 3.98% was taken out. I called Thomas and he played the vanishing act. I immediately closed me checking account to make sure they no longer have access to my checking account and I am in the process of canceling my account. Also, Evolution promotes their A+ BBB rating as EVO Merchant Solutions which is actually Commerce Payment which today has and F rating. This has been a very upsetting and frustrating experience. I hardly lost any money since I only ran a small test charge but I lost a lot of time.

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    4 / 4 found this review helpful.
  3. Slava

    After slew of phone calls from their sales reps, our company signed up with Evolution Bankcard. Big mistake!
    As they didn’t provided the terminal (promised by their sales rep) and imposed a restriction requiring that we won’t charge our clients for deposits – we had to cancel. Well, I thought we did. Event after getting a confirmation that the cancellation request was received, they keep charging $19.95 monthly. How many more calls do I need to make in order to stop this?

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    1 / 1 found this review helpful.
  4. RJ

    I was excited about the rates from this company, and decided to give their New York office a call. Eventually, I got lined up with a salesmen named Thomas who was said to be my sales rep. I signed up for a 90 trial, and got my card readers in the mail very quickly. After a couple days I noticed that neither swiper sent to me was working/compatible with my phone (Veriphone is highly used with apple devices… Not android). After a couple days, I called to see about replacing my devices, but then found out from the under writing team that I wouldn’t be able to have any money deposited into my business account unless they were given a copy of my phone bill. Funny thing, I have an IP business phone number (that means I don’t have a phone bill). I was using Google Voice for that. They insisted without the phone bill that I wouldn’t be able to process any transaction.

    They called my land lord, asked for my lease, copies of regular documentation (Articles of Inc., tax ID statement etc.) and still they wanted a phone bill. They told me then they could just use my regular cell phone bill to use for the under writing team. I told them no, because my personal cell phone number isn’t connected to my business in anyway. I was told by my sales rep the problem would be dealt with and he’d get back to me. 2 & 1/2 weeks in to my trial, I still have no answer about any of the matter. I talk to Thomas again, and I’m told that it would be a shame to lose an account simply because of a phone bill. 3 weeks have gone by, nothing has been done, their devices don’t work with my phone, I’ve been fed lies about the situation being handled properly, and 2 days ago I decided just to end the account. I spoke to Thomas again, asking for an RMA number for the last device, and was told that he had a meeting with his manager about the situation, and would call me before he left. I received no call for the past 2 days. Today, I’m making sure they cancel the account and everything gets squared away.

    The hardest part is, since I was sent 2 devices for the different services my business provides, I have 2 accounts to cancel. Just got the email for one, and as I’m typing this, just remembered the other account. SAVE YOUR TIME, AND MONEY. 90 day trial, 3 weeks in and I’ve been told things that aren’t followed up, promises made that aren’t kept, and a horrible hassle for them wanting my personal info. And if you check the BBB for Commerce Payment Systems (their payment processor) they don’t have a A+… They have a C-… Garbage.

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    4 / 4 found this review helpful.
  5. Douglas

    the company is a scam I worked there while I was in prison yes prison when you get a call from them ask if they are an inmate and they will either say please hold or hang up on you there is hidden fees and they Bill you for things you didn’t order my advise is spread the word and do not UAE this company

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    3 / 3 found this review helpful.
  6. mad as hell

    What a rip off! These people certainly will take your credit card transactions but you must jump through moving hoops to get your funds.

    I received the credit card tool to work with my phone, I processed 2 transactions but received no funds. I called them they said I needed to send a utility bill to underwriting so they could confirm the business address. I had just moved my home to a different address, I use a home office, I had no utility bill. I sent them a document that was faxed to the state DVM to change my driver license address, and my business address. Evidently not good enough. I called and finally got to the underwriting office. They were adamant that they needed a utility bill. I don’t get a bill for my business as it is a home office. I stated that I was faxing a phone bill for my business, not good enough. Isn’t a pone a utility?

    Called again still not able to get them to release my funds. They did however charge me 99.86 for some kind of security scam. Never let me know it was going to happen, just withdrew the cash from my account.

    I am lodging a complaint with the BBB. Don’t let this scam company get your funds. A

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    7 / 7 found this review helpful.
  7. Jeanine Robinson

    This company is absolutely the worst! We are a small business that signed up with them in October 2013. There was a change in the authorized user, which we submitted the proper paperwork in March 2014. We were told everything was clear in March 2014. We find out in May 2014, when there were new transactions, we were told the transition did not take place. They said they informed us. I told them, they did not. I told them they did not, the only reason we found out is because the owner of our company did not see the postings. Which is when I called to find out when would be able to see them. We then had to resubmit all of the information we’d already submitted. This process took two weeks. No one could give a clear explanation as to why we had to go through this process when all we were doing was changing the names of the authorized users. They then told us on two different occasion within a weeks time that the money would be released in 24 hours. Today, Monday, the owner states the money has still not been released. We were told again the money would come out of the account in 24 hours. Only to have them call back 20 minutes later to say there was a problem with the account. They stated they were uncomfortable with our transactions. However, we have not changed any of our processes. They would not give an explanation as to what changed, when the practice of our company is that some of our clients call in their credit card information. In the end, we were not able to get anywhere and they were returning the money back to our clients. That money ranges from $7,000 – 8,000 that we have to now chase down clients to have them resubmit their payments via check. This is going to cause a huge problem with our business. This is causing a huge inconvenience to us and our clients.

    This is absolutely absurd! It is so frustrating to not be able to speak to someone on a higher level to resolve this issue. We would have been more than happy to cancel our account with them after they released our funds, which are legitimate transactions. This is NOT a good reflection on us as a company to our clients.

    I can not express how upset we are. I wish they were here in Chicago, so I can go up to their office.

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    4 / 4 found this review helpful.
  8. Jenny

    I signed up in Feb 2014. This company withdrew $64 from my business account, without me ever using their service. I did not activate the terminal, and I was still charged that amount. I canceled the service, put a stop payment on my checking account, and returned the terminal.
    Tom Smith was the sales agent that hooked me into this company. He is a lying, desperate, sales agent that convinced me Evolution BankCard can provide a lower rate than my current merchant services. I repeatedly contacted Evolutions, emailed Tom, and no body cares to take any action to credit back my money. Tom has not replied to any of my emails or calls.
    This company deserves to be investigated, shut down, and fined for ripping businesses off.
    Beware business owners!

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    6 / 6 found this review helpful.
    1. Mark

      Jenny,

      I had the same bad experience with Thomas Smith. He is one lying sack of shit. My account was not set up with evolution but with PowerPay. I wanted to confirm my flat rate of 1.99% and they told me my rates for non-qual is 3.98%. Even when I went back to Thomas Smith, he swore that if I run a charge that it will be 1.99% with 24 hour funding. Of course, it was 48 hour funding and at 3.98%. Luckily I didn’t cancel my existing merchant account provider. I only ran one test charge at $309.25. I immediately closed my bank account so that they will not have access to it.

      Did Thomas also promise you 90 day 100% money back risk free trial with refund of transaction fees?

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      1 / 1 found this review helpful.
  9. snqrene

    I cannot believe what just happened to me. I have been ripped off so bad by this company I have been charged over 12% in some cases. I had once charge that I was able to track through the 4 pages of numbers. The transaction was for $12.10. there were 4 different charges on that ticket plus the swipe fee. I was flabbergasted!
    I called them today and they kept throwing me onto to hold. I waited and waited and waited ( through 38 ahead of me in 3 calls) and once the guy put me on hold and never came back and when I called the main number the girl put me on hold.
    Grant it I was not a happy customer but I still after hours cannot get my statement on line.
    It is scary and these people belong in JAIL!
    I will pursue this and write to the banking authorities.

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    7 / 7 found this review helpful.
  10. Martin

    This company is a total scam and rip off. Whatever they promise are total lies. They offer you low rates to get your business. But, they charge much higher rates and fees that they didn’t disclose. They illegally charge my account for services that they didn’t provide. Customer service is very poor and management doesn’t bother to return your numerous phone calls to explain the reason for charges. Please do yourself a favor and stay away from this company.

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    5 / 5 found this review helpful.
  11. andimal23

    This company is a complete scam and rip off. I have taken action against them with the Better Business Bureau and have hired an attorney. The promises they make are in deed too good to be true. They promised me they would save my company $75 per month, and that I can be up and running in 24 hours. It took 9 days to get the terminal, which was the wrong one (asked for internet line and they sent one for a phone line). It took another 2 days to get the correct terminal. When I finally got it all setup, we pulled in $1,500+ in credit card sales in 2 days. The money never deposited into our account.

    When I contacted them, I was told that underwriting did not approve me because the billing address was different than the service address on my electric bill statement; something they required upon applying for the account. So I sent a copy of the lease. That wasn’t good enough for them, it needed to be notarized. My landlord lives in Florida, and my business is in Illinois, I’ve never even met the man, so I couldn’t get it notarized. I sent a bank statement with our address, a letter from our gas company showing that service had been established, but these weren’t good enough for them and I don’t understand why.

    What else I don’t understand is why on earth would you send a credit card machine ready to accept charges and not check these things out first? Now they are holding my money and my business hostage, as I can’t order supplies and materials needed to replenish the stock that I sold over the weekend. It’s a never ending battle and now I have to get an attorney involved to obtain my funds, which will end up costing me hundreds, if not thousands (more than what they owe me).

    I would think twice about switching to some fancy named company with all of these promises when they are clearly out to get your money (and keep it).

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    7 / 7 found this review helpful.

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