MOCA Payment Systems Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

MOCA Payment Systems

"D" Credit Card Processor Rating

Last Updated: June 25, 2014
Top Rated Processors | Get Rate Quotes | User Reviews

Jump to: Sales & Marketing | Costs & Contract | Complaints & Service | BBB Complaints

MOCA Payment Systems Overview

MOCA Payment Systems Logo

MOCA Payment Systems Logo

MOCA Payment Systems ( is a new Canadian sales arm of the U.S.-based Encore Payment Systems. In fact, MOCA’s website is basically identical to the website of Momentum Payment Systems, another Encore DBA. MOCA is based out of Montréal, Québec, and Encore out of Addison, Texas. Encore was founded in 2004. MOCA Payment’s overall rating is based on our Encore Payment Systems review.

Also see our reviews of this company’s other known DBAs:

Prodigy Payment Systems
- Momentum Payment Systems

MOCA Payment Systems Sales & Marketing Tactics | D

This section is covered in the Encore Payment review.


  • Ethically questionable marketing tactics.
  • Use of multiple business names/DBAs.
  • Hiring mill” recruiting strategy of Independent Sales Agents (ISAs) with high turnover.
  • Agents appear to receive higher commissions for selling expensive contracts and rates.
  • Underwriting policies allow for excessive fees and contract terms.
  • Markets expensive and non-cancellable equipment leases.

MOCA Payment Systems Costs & Contract Terms | D

MOCA Payment uses the same merchant account agreement as Encore. An older version is available below. Merchants have reported even more expensive contract terms than those shown in the linked document.


  • Pricing will vary by merchant based on business type and sales agent.
  • Standard contract includes three-year service agreement
  • Early Termination Fee (ETF) of $195 but some merchants have reported ETFs of $450
  • Equipement leases often have a four-year commitment and cannot be cancelled without paying the full lease amount, often in the thousands of dollars (leasing equipment is optional)
Expand to see a copy of the standard Encore Payment Systems contract

MOCA Payment Systems Complaints & Service | D

This section is covered in the Encore Review.


  • Company has received a moderate-to-high number of complaints for time in business.
  • Numerous complaints have been filed by former employees and agents.
  • Common complaints include expensive and non-cancellable equipment leases, and undisclosed/”hidden” fees.

MOCA Payment Systems BBB Report | D (CPO Adjusted)

MOCA Payment Systems does not have a Better Business Bureau (BBB) report because the company is based in Canada. If you know of a Canadian equivalent of the BBB, please leave it in the comment section below. See the Encore Payment Systems review for full details on this company’s BBB complaints.

Bottom Line

MOCA Payment Systems received a low rating as a merchant services provider due to its deceptive sales practices, poor customer service, expensive contract terms, and close affiliation with Encore Payment Systems. For a full understanding of MOCA Payment Systems, please visit the Encore Payment Systems review.

Leave your review of MOCA Payment Systems in the comment section below:

MOCA Payment Systems Review

Rated 1 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-06-25 10:43:34

UPDATED: June 25, 2014 – MOCA Payment Systems is a new Canadian sales arm of the U.S.-based merchant account provider Encore Payment Systems. MOCA is based out of Montréal, Québec, and Encore out of Addison, Texas. Learn more in this MOCA Payment Systems review.

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About the author

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 to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Patricia

    We have used them for a few years. Absolutey the worst company to deal with. No one can help and if by someway you can find somone to do something it takes hours and hours of your time. We have lost over $20,000 from them. Terminals dont work, and no one to come and fix it. They take your money with zero service. It is an absolute joke how bad they are. Called today to see where our$500 refund was and turns out number is no longer in service……….

    Moved to Global payments with Cibc recently. Wow. Call them and things happen or someone came in under an hour. The fees are about same.

    Remeber its your money folks be diligent and hopefully this will save someone from the same fate as us.

    Thanks for nothing Mocha.

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  2. anushka


    they over charge me always one or the other, and when i call them back to inquire they put you on hold for ever and then they say they will call back which they never do. Supervises are the worst they never do what they say and i don’t think any of them wanna know what your problem is. they always say its in the contract…its in the contract…its in the contract. they dont wanna do anything to fix. Making mistakes is normal but not ready accept it is the biggest problem. I ‘ve been stressed out ever since i started business with MOCA. I wish i never had switched to this company. So please dont get envolve with this company..Actually I want to know how to get rid of them with out paying them. I am in a contract for 4 years.

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  3. John Aeliya

    I have just got a job offer from them to work as an ISE….after reading these reviews I’m not so sure if I want to work here…can anyone please give me more information regarding employment as an ISE with this organization.

    Please and Thanks!

    Did you find this review helpful? Yes   No

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