e-onlinedata Review


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 Payments International, 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. 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. Jim Raftice is listed as the president and COO of e-onlinedata.

e-onlinedata Products and Services


  • Retail
  • E-commerce
  • Mobile
  • MOTO
  • Non-profit
  • B2B

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates 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. Merchants consistently report being told that all of the applicable fees have been disclosed before signing up, only to find unexpected fees on their statements and receive little explanation from customer service reps regarding these costs. We have lowered the company’s grade in this section accordingly.


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $250-$350
PCI Compliance Fee $129 Per Month
Equipment Lease Terms Variable

Pricing with e-onlinedata appears to vary slightly based upon a merchant’s processing volumes and needs, as well as the agent setting up the account. With that said, merchant feedback 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 states that it does not lease equipment, but merchants should be sure to confirm that any “free” or “for purchase” equipment does not come with undisclosed stipulations.

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“).


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 10 Plus
Live Customer Support Yes
Most Common Complaint Fund Holds

For the most part, e-onlinedata has very few recent legitimate complaints filed in the usual online 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 approximately eight minor complaints related to fund holds in the past six months, three of which were filed beneath this review. The company appears to offer some support for its proprietary services, but it may outsource credit card processing support to its backend processors.



Key Points - BBB

Product & Service Complaints 30
Billing & Collection Complaints 32
Advertising & Sales Complaints 2
Guarantee & Warranty Complaints 0
Delivery Complaints 1

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

e-onlinedata shares its Better Business Bureau report with PowerPay. As of this review, the BBB is assigning the company an A+ based on 65 complaints filed in the last 36 months. The BBB does not specify which complaints are attributable to e-onlinedata, but out of the total, 32 are due to billing and collection disputes, 30 with product and service issues, two with advertising or sales issues, and one regarding delivery issues. The report states that 37 of the complaints have been fully resolved while 28 merchants reported they were not satisfied with the company’s response. In addition, the company has had 19 negative user reviews filed against its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B-.”

e-onlinedata Logo

e-onlinedata Bottom Line

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.

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. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

15 Reviews Leave Your Review Below

  1. It took me 3 to 4 calls to finally get my account closed after I closed my business in March. As of now, the company has deducted 2 payments from my account after the account was closed in mid March. In April, I was assured that no more payments would be deducted. I called after 4/1/16 to once again verify that I wouldn’t be charged any more monthly fees. 5/1 I had another payment deducted. I called twice in May about getting the money credited back to my bank account. I called 5/31 to make sure I would receive my credit in my bank account for the May payment and reaffirm that nothing would be deducted from my account in June. On 6/1 instead of receiving the credit for the May payment, another payment was deducted from my account. On 6/2 I contacted customer service again about the 2 payments and to find out when I would receive a credit on my account. I was told the credit would be escalated for review. On 6/7, I called again to check on the status. Again, I was told the credit was being reviewed but once again the customer rep promised to escalate the review. After 3 more calls that day, a supervisor told me the credit would be processed and in my bank within 3-5 business days. On 6/14, I was told by Jody (a supervisor) the credit would be processed on 6/15 and I should see it in my bank account by 6/17. I called today and was told the credit was still being reviewed and that a credit will not be received until after 7/1/16. I was also told the review process can take till the end of the month. I have notified my bank so e-Online Data can’t withdraw any more payments from my account. If customer service or a supervisor tells you they will call you back after they check on your account, don’t believe them. As of now, I have had 5 to 6 people promise to return my call over the last 2 months. I have yet to receive a call.

  2. This company is absolutely HORRIBLE to work with. When you have a question, you have to talk to several different people, none of whom communicate to each other.

    The are not supportive of small businesses trying to grow – they make growth very difficult!

  3. e-Online data terminated my account in December 2015 after less than one month of using their service because one of the first three transactions processed was disputed by the cardholder (cardholder claimed someone used her card fraudulently). I did not contest the dispute even though I had delivered the product (downloadable file) to the email address associated with the order. On December 11th, the cardholders merchant bank withdrew funds for the $999 disputed charge. Not sure how the cardholder’s bank obtained my banking information and was able to withdraw funds without notice or any agreement with them – but that’s for another complaint. On December 22nd, e-onlinedata also pulled $999 for the same disputed transaction. I made several calls to their customer service dept and supplied on three occasions documentation that they and the cardholder’s bank had retrieved funds from my account to refund this one transaction. I finally was informed that since my account was terminated, it was their policy to hold funds for 45 days to protect their “exposure and liability” against future or pending disputed charges. After 45 days, I called back to have the held funds refunded. I was informed that I needed to wait another 30 days since “A cardholder has a full 6 month time frame to dispute if they are not happy with the product or service provided. The cardholders on the existing chargeback still have a 45 day time frame after the dispute is closed to continue into dispute. As such, due to the existing liability and exposure on this account, the release from the reserve is postponed. We will review your account again in 30 days for a potential release. ” The initial transaction occurred on November 11th. So the cardholder and her merchant bank card have been made whole – -since they retrieved the funds. My account was terminated in December so there are no further transactions other than the original three that occurred before termination – -one of which was from me to test the payment system. So now i am out the product, plus $1,998 from an initial charge of $999, of which I only received $899.1 since they withheld 10% due to their “risk and loss prevention policy.” When pressed that they did not have any further “exposure or liability”, they then said the reason I needed to wait another 30 days was because my bank account rejected “fees” charged in January. I have seen no activity in bank account where they tried to post any “fees”. When pressed as to what fee, the actual amount of the fee, and the exact date they tried to charge fees, they did not respond. They just used a generic response that they would review my account in another 30 days to determine whether or not they would release my funds. Since my account was terminated in early December, and there have been no transactions since November 22nd, I do not understand what “fees” they could possible try to charge. Again, they would not provide that information, but just said it was their policy that I would need to wait another 30 days since fees were rejected and that any further rejection of fees or chargebacks would result in another 30 day review period. Basically, it seems to be just a good excuse for them to continue to hold funds for an indefinite period.

    Are you with e-onlinedata? Learn how to resolve this complaint.

  4. Signed up with e-online data almost 6 years ago because it seemed like they didn’t have any hidden fees. One of the major selling points was NO termination fees. Just recently cancelled service and a month later was dinged with a $250 termination fee from PowerPay LLC (mother of e-online data apparently), taken out of our bank account. Would not recommend this company for this reason and only wish we had taken our business elsewhere sooner.

    Are you with e-onlinedata? Learn how to resolve this complaint.

  5. I’ve also felt screwed over by this company. I had a long conversation with an account representative when I first opened my account and they insisted there were no extra or hidden fees. I walked away feeling very clear about what I was to be charged every month, only to find random chunks of money taken out of my account each month thereafter. When I called to inquire about the fees they were very rude and defensive, and insistent that I was informed of the fees before I signed. I’m now feeling stuck paying far more each month for than I would have ever agreed to.

      Okay my Account is closed and we have 39 clients with outstanding orders. Since all the funds are frozen, I think its best that I refund the clients. I was then advised by B Peterson that I COULD NOT REFUND THE CLIENTS. Instead I had to contact each client and have them process a chargeback with their bank…. This is so wrong on so many levels, I then said well chargebacks I will incur a $25 fee per (39 customer) the lost prevention analyst supervisor Peterson then told me they “Would not charge me the full fee for the chargebacks” Ofcourse, I hit the roof. So, how will my account be reviewed and funds released if I do not have any charge backs BUT you are telling me to direct my customers to initiate chargebacks with their banks.

      A small synopsis of what’s going on with me. Yes they advised me the only option I had was to have each of my customers call their banks and place a chargeback to get their funds. Stay away at all costs especially (Unfortunately, I hate to bring this up but It seems the department has a problem with the color of my skin, my youth and or gender as it relates to the amount of money I make monthly, as all questions were always geared to “Whats” and “How’s” instead of facts.

    2. i am in the same situation as yourself. i am writing a letter to their issuing bank, attorney general and making a report with Federal Trade Commission. be very careful in regards to their chargeback advice, as they will deduct the money from your bank instead of the funds being held. I do not understand why we can’t just refund customer so that we can carry on an provide another form of payment, instead, we will loose customers and i personally think we should file a lawsuit for the loss of money and potential customers. Sadly, i do believe it is a discrimination issue.. :(

    3. I signed up for One Shopping Cart’s 30 day trial on October, 2013 and opted out at 30 days. They had recommended I apply for online merchant which I had done. I assumed they canceled that online merchant authorization when I opted out at 30 days. They didn’t. The e-online data that got ahold of my authorization (3rd party, mind you) has been withdrawing 37 usd per month for 18 months under the term “bkcrd” without any other identifier so my bookkeeper assumed it was a bankcharge. Finally the bank detected who was withdrawing funds. I’ve asked One Shopping Cart to offer help and they refused. Eonline data is offering me 2 months refund instead of the full 18 months they took. I never used their service and they still think I owe them. Unbelievable, immoral and unethical–I didn’t mind asking for some compassion as I am 68 years old and creating a start up which is a 501c3. No, they say…I signed a contract with an electronic signature so I have to pay. Is there no one with a heart in business? Disgusting and ruthless practice.

  6. The worst of the worst. Considering a lawsuit.

    Their customer support is trained to lie and deceive as are the managers.

    They dont send paper statements and erase electronic statements after 3 months.

    They will start taking a reserve from your deposits without informing you or documenting what they are taking out on your statement.

    They will raise rates and assessments without telling you. Or they will tell you on your statement a rate or fee is raising .02% and raise it 2%. then leave it up to you to detect it.

    Criminals that should be class action sued.


  7. Please, please stay away from this company. That is, unless you want to pay out the nose for what should be a reasonably priced service and have small print thrown in your face. I’m quite sure E-OnlineData instructs its employees to hide information from their customers so they can collect additional fees. I was close to filing a small claims lawsuit against E-OnlineData, but decided to eat the loss because couldn’t stand one more exchange.

    Try Braintree if you want a decent product for a decent price and don’t want to deal with a company that operates with borderline criminality.

      1. The most blatant example of hidden or poorly disclosed fees is the $250 cancellation fee. While this is documented in contract, I felt customer services representatives intentionally hid it while I discussed leaving the service over multiple emails. Overall, their fee structure is confusing and seemingly intentionally obfuscated. I much prefer paying a flat rate + percentage per transaction as I do now, rather than paying for a half dozen fees, percentages, and minimums.

        Also, did you know they delete your monthly statements from their online merchant control panel every 3 months? Why not give your customers proper access to historical statements?

  8. This company is easily the worst I have ever dealt with. When a product we produced went viral and started selling like crazy they suddenly demanded a 20% reserve! Needless to say that completely crippled our small company and it took 3 months for us to switch to a new provider, who sees no reason for a reserve. STAY AWAY FROM THIS HORRIBLE HORRIBLE COMPANY.

  9. My ecommerce business of 10 years closed January 1, 2012 and I closed my account with e-OnlineData. After waiting for about 90 days to make sure no additional fees or chargebacks might come through, I also closed the business checking account. On April 2 I rec’d a phone call from the bank manager telling me I had a debit come through for $129 from e-onlinedata for “PCI COMPLIANCE FEE.” I contacted e-onlinedata and was told this was a routine charge and there was nothing they could do about it even though it was charged on a CLOSED ACCOUNT! So my checking account was re-opened and I was also charged a $35 NSF fee by the bank. I looked back through years of records and never once was I ever charged such a fee. Not once! Begrudgingly I paid the bank $164 to get the account to zero and closed once again. Now today, May 4 2012, I have a new charge from e-onlinedata for $350 called a “CANCEL FEE” on my account. I was told over the phone that this is standard, even though I had an account with them for 10 yrs and paid them many tens of thousands of dollars in account fees and commissions. I just called the bank manager and she said this time she is going to fhelp me file charges with the authorities claiming it’s a fraudulent transaction and also recommended that I see if there are any pending or potential class actions that I can get involved in.

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