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Is EC Suite a Good Pick for E-Commerce & High Risk Merchants?

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Maintained Since: January 21, 2015

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All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

EC Suite
Rating
A
4.8/5
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Pros

No outstanding lawsuits
Multiple support options
24/7 consumer support
No monthly fees
Multiple gateway integrations

Cons

High transaction fees
Weekly payouts only
Variable pricing rates
Likely uses telemarketing
High-risk focus

Overview

In this review of EC Suite, we will examine their credit card processing services. Their offerings include credit and debit card processing, hardware options, mobile payment solutions, and e-commerce features. We will highlight which types of businesses, including high risk merchants, may benefit most. We will also review client and customer feedback to reveal common trends and concerns. In addition, we will explain EC Suite’s pricing, contract terms, and included services. By the end, you will know whether EC Suite is a good fit for your payment processing needs.

About EC Suite

Screen Capture of EC Suite Homepage
EC Suite Homepage

Founded in 2002, EC Suite is a merchant account provider headquartered in Tempe, Arizona. The company appears to be a DBA or payment processing division for CCBill, as the businesses share the same address and are under the same management.

Products & Merchant Services

Payment Processing

EC Suite provides payment processing services for all major credit and debit cards, catering to various business types. Their services encompass e-check and ACH processing, e-commerce solutions, mobile and wireless payment options, and direct marketing services.

Electronic Check/ACH

EC Suite allows clients to process eChecks more quickly and cost-effectively than traditional checks, with the added benefit of instant approval or denial to reduce risk.

E-commerce Solutions

EC Suite facilitates secure digital payments with global payment gateways, offering real-time security and fraud protection for online retail environments.

Brick & Mortar Solutions

For physical retail spaces, EC Suite provides both wired and wireless point-of-sale terminals to streamline in-store transactions.

Mobile Solutions

EC Suite offers mobile point-of-sale solutions for merchants on the move, including secure payment processing applications and devices.

Direct Marketing

EC Suite supports direct marketing through virtual terminals, enabling merchants to manually enter and process customer card information for transactions via mail or phone.

Customer Reviews & Sentiment

Low Complaint Volume

Our current findings show only one negative EC Suite review, which appears to originate from a customer of an EC Suite client rather than the client itself. There is no significant evidence suggesting EC Suite engages in ripoff or scam practices. Given that EC Suite serves a large number of internet-based and potentially high-risk merchants, it’s more susceptible to receiving cardholder complaints than traditional credit card processors. However, this solitary complaint doesn’t provide a comprehensive view of the merchant experience with EC Suite, and as such, it hasn’t been considered impactful for this review. If you have experiences or insights about EC Suite, please share your review in the comments below.

EC Suite Lawsuits

No outstanding class-action lawsuits or Federal Trade Commission (FTC) complaints have been identified against EC Suite. Clients preferring non-litigious dispute resolution are advised to report their concerns to appropriate supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB Reports1
Google Maps3.4
Average Rating2.2

PaymentPop Rating for EC Suite

Negative Feedback

There are no negative reviews published about EC Suite on the PaymentPop website.

Positive Feedback

Finding a processor that works with high risk businesses isn’t easy, so finding EC Suite was a lifesaver. They knew exactly what to do, got us approved fast, and things have been stable ever since. We feel secure and happy with our choice.

EC Suite BBB Rating

EC Suite currently has an “A-” with the Better Business Bureau and has not obtained BBB accreditation. The company has received 1 complaint in the past 36 months. The 1 complaint was resolved to the satisfaction of the client.

An “A” Performance

In light of its low complaint record, we agree with the BBB’s rating of an “A.” Readers should note, however, that there are reasons to be skeptical of the BBB’s rating system.

Google Maps Rating for EC Suite

EC Suite has a 3.4 out of 5 star rating based on 5 user reviews on Google Maps.

Positive Feedback

Very helpful and pleasant company to work with.

Negative Feedback

EC Suite LLC has been hacking my online hosting account which could be a class b felony.

Processing Rates & Fees

Flat Per-Transaction Rate

EC Suite offers a clear pricing model by charging a consistent per-transaction rate, avoiding various monthly charges or binding long-term contracts. Clients have the flexibility to terminate their agreements with a 10-day written notice without incurring any fixed monthly fees or monthly minimum fees. Furthermore, the company’s terms and conditions do not specify any early termination fees for businesses. Importantly, there are no reported client complaints regarding excessive or undisclosed fees from EC Suite.

Virtual Terminal and Payment Gateway Pricing

Beyond storefront payment processing, EC Suite prominently features its virtual terminal and payment gateway services on its website, with Authorize.Net and NMI listed as its payment gateway providers. Pricing is determined by the chosen payment gateway, and businesses might incur additional rates and fees, including gateway fees, technical support fees, and batch fees, for these e-commerce services.

Higher-Than-Average Fees

With a per-transaction fee of 4.90% plus $1.00, EC Suite’s rates are above the industry average, yet the inclusive nature of this pricing could be attractive for certain card-not-present businesses. As an e-commerce provider in partnership with a high-risk merchant account provider, EC Suite implements strict measures to handle potentially suspicious or fraudulent transactions. It’s also significant to note that the company processes payments on a weekly basis, rather than the more common 24-48 hour payout period.

EC Suite e-commerce option
Highlighting EC Suite’s virtual terminal and payment gateway for e-commerce

Employee Reviews & Sales Practices

No Sales Complaints

EC Suite appears to market itself through direct sales and channel sales, which can include third-party referrals or outside sales agents. In general, the use of outside sales agents can lead to an elevated complaint rate for a company, but we cannot locate any negative EC Suite reviews that mention unethical conduct by the company’s sales team. This indicates that the company exercises a greater-than-average amount of control over its external agents.

No Deceptive Quotes

Additionally, the EC Suite website does not promote any misleading rate quotes, and at the time of our previous update, it even listed a large number of the company’s fees for anyone to review. This page has since been removed. If you suspect that EC Suite is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

EC Suite Competitors

Compare EC Suite to competitors that earned top marks.

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Bottom Line

EC Suite rates as a reliable e-commerce credit card processing provider according to all available information. The company’s all-inclusive flat rate pricing structure is particularly appealing to internet-based businesses and those that are difficult to place with traditional providers. This straightforward pricing model can simplify budgeting and financial planning for businesses operating in complex or high-risk online environments. It is worth noting that the majority of complaints lodged against EC Suite have been filed by consumers rather than clients, indicating that businesses generally have positive experiences with the company’s services.

Despite EC Suite’s public disclosure of most of its contract terms, potential clients are strongly encouraged to meticulously review all documentation provided before committing to the service. This due diligence is crucial to ensure a clear understanding of any nuances or specific conditions that may apply. It is advisable to compare EC Suite’s offerings to those of top-rated e-commerce merchant account providers. By doing so, businesses can ensure they are making an informed decision, selecting a provider that not only meets their specific needs but also offers the best possible value and service quality.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact EC Suite

Contact & Customer Support
CEORon Caldwell
Headquarters2353 W. University Dr., Tempe, Arizona
Toll-Free Support(888) 261-1288
TSYS Terminal Support(800) 552-8227
Sales Inquiries(888) 261-1315
Websiteecsuite.com