Eliot Management Group 2023: Reviews & Complaints

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Eliot Management Group
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Eliot Management Group

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PhonePhone(844) 898-0337 View Pricing

Company Overview

Eliot Management Group is a mid-size merchant account provider based in Fort Worth, Texas, that appears to have opened its doors in 1999. Eliot Management Group and may be under the same ownership as (or have ties to) Appstar Financial, Apex Merchant Group, Trans Tech Merchant Group, Summit Merchant Solutions, First American Payment Systems, and Certified Payment Processing, as suggested in several merchant reports. Although no public information exists to verify these claims, most of the mentioned companies share very similar complaints and contract details. Several Eliot Management Group reviews from customers and employees also suggest connections to these other business names.

Eliot Management Group Credit Card Processing

Eliot Management Group acts as a merchant services provider and processes all major debit and credit cards for most business industries. The company also offers ACH transactions, gift card solutions, Firstview data processing, check reading, cash advances, Paypal integration, next-day funding, and Optblue from American Express.

POS Systems

EMG offers a variety of point-of-sale (POS) systems, including countertop, wireless, and mobile options. Their POS systems are designed to be user-friendly and efficient, with features such as inventory management, employee management, and sales reporting. A wide variety of credit card processing equipment is offered through their website, including card readers, terminals, and POS systems from Sound, EPOS, Tetra, SwipeSimple, Pax, Dejavoo, Moby, Ingenico, and Paytrace. They additionally offer the Firstpay.net payment gateway for online payments.

Mobile Payments

EMG offers mobile payment solutions that allow businesses to accept payments on-the-go using their smartphone or tablet. Their mobile payment solutions are designed to be easy to use, with features such as secure payment processing and real-time reporting.

Virtual Terminals

EMG offers virtual terminal solutions that allow businesses to process payments online or over the phone. Their virtual terminals are designed to be secure and user-friendly, with features such as recurring billing, fraud prevention, and customizable payment pages.

Gift and Loyalty Programs

EMG offers gift and loyalty program services that allow businesses to create custom gift cards and loyalty programs for their customers. These programs can be a great way to increase customer retention and encourage repeat business.

Location & Ownership

Eliot Management Group is an ISO/MSP of Fifth Third Bank, Cincinnati, OH, and now lists its headquarters at 101 Summit Ave #914, Fort Worth, TX 76102 along with 8 other listed offices. Ron Dictheris listed as CEO of EMG while the BBB lists Rossalie Nichols as the principal for the company. A John Howe is also listed in multiple places online as CEO of EMG, though we have been unable to confirm this.

Though public information is sparse, Eliot Management Group is reported to be one of many subsidiaries of First American Payment Systems. Both companies share similar complaints and heavy ties to Fort Worth, Texas, and Murray, Utah. The BBB lists 1100 E 6600 S Ste 425 Murray, UT as a Utah address for the company.

Video Summary

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Table of Contents

  • Costs & Contract: Appears to offer a three-year contract with an early termination fee of $495. The company also partners with…
  • Complaints & Service: Has received more than 225 public complaints regarding…
  • BBB Rating: Currently has an “A-” rating and is accredited by the Better Business Bureau, but has received 13 complaints and 31 reviews stating…
  • Sales & Marketing: Hires independent sales representatives, and it has received a high number of complaints about its…
Eliot Management Group payment processing
Eliot Management Group offers standard payment processing services
these processors announce that they now sync with quickbooks

Eliot Management Group Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Hidden Fees
Recent Lawsuits

High Complaint Total

We are currently able to locate more than 225 negative Eliot Management Group reviews on this and other consumer protection websites. Many of these Eliot Management Group reviews outright allege that the company operates a predatory business. The company has a high number of negative reviews in comparison to similar-sized providers. The overwhelming themes of the complaints are reports of hidden and undisclosed fees, unauthorized debits from checking accounts, inability to resolve problems, difficulty canceling service, and poor customer support. Many of these problems seem to be traceable to deceptive sales tactics used by agents and failure to verbally disclose important fees and conditions prior to setting up accounts, instead relying on business owners to read the fine print. With the exception of complaints to the Better Business Bureau, it appears that Eliot Management Group chooses to enforce contracts rather than satisfy client grievances.

Eliot Management Group Lawsuits

Though not related directly to its merchant account services, the company is in the midst of a class-action lawsuit filed in 2018 by former sales employees. The disgruntled ex-employees allege that the company did not pay them commissions that they were due in violation of the Fair Labor Standards Act. This lawuit follows a 2012 class-action lawsuit from former employees filed in 2012, which alleged that the company violated the Minimum Wage Laws of many states.

In 2020, EMG was sued by a client who alleged that the company intentionally leased broken equipment with no resolution for fixing it or offering refunds. This suit ended in a settlement for the plaintiff, the amount of which was not disclosed.

Eliot Management Group Customer Support Options

Eliot Management Group claims to offer 24/7/365 phone support on its website.

Eliot Management Group Customer Service Numbers

  • (844) 898-0337 – Toll-Free General Customer Service
  • (817) 317-9150 – Local Office

Other Support Options

  • Dedicated email support address at [email protected]
  • Customer support form on its website

Given the company’s high complaint total, merchants should not expect this phone line to compete with the service offered by top-rated payment processors for great customer service.

Eliot Management Group BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints
Unresolved Complaints
Response Rate

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.

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.

Over 10 Complaints

As of this review, the Better Business Bureau is giving Eliot Management Group an “A-” rating based on 13 complaints filed within the last 36 months. Only 2 of these 13 complaints were resolved by the company to the satisfaction of the merchant. The remaining 11 were resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Eliot Management Group has also received 31 informal reviews on its BBB profile. 23 reviews are positive and 8 are negative. It should be noted that the vast majority of positive reviews have come recently, which may be a sign that the company is improving or may be a sign that they are offering incentives for positive reviews. The most recent negative describes escalating fees and difficulty canceling the account:

Started off great with these guys as I had a dedicated salesperson. When he left, it was impossible to get anything accomplished with these folks. Fees got higher and higher, some correct, others incorrect. Started off great with these guys as I had a dedicated salesperson. When he left, it was impossible to get anything accomplished with these folks. Fees got higher and higher, some correct, others incorrect. They make you jump through hoops to get anything done. Then you try and cancel. Its easier to launch a rocket ship to Mars then cancel with these folks. Just terrible.

Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

A “D” Performance

It is unclear why the BBB has assigned the company an “A-” when it has received many complaints. We have therefore adjusted the BBB’s rating to a “D” for the purposes of this review according to our own rating criteria.

in the news apple versus banks

Eliot Management Group Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Cancellation Penalties
Monthy & Annual Fees
Processing Rates
1.00% - 4.99%
Equipment Leasing

Factors That Affect Pricing

Costs and fees of an Eliot Management Group merchant account will likely vary based on the agent setting up the account as well as a business owners ability to negotiate low fees. Numerous customers report that actual fees are much higher than what they were originally quoted and that they experienced several fees which were not disclosed prior to account setup.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Eliot Management Group also dedicates a portion of its website to advertising its virtual terminal and its payment gateway, which is powered by FirstPay.Net. However, pricing is not disclosed on either of those services. Additional rates and fees including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Three-Year Contract

Eliot Management Group’s standard merchant account agreement includes an annual PCI Compliance fee reported to be $125 per year, three-year service agreement that automatically renews for one-year terms, and a $495 Early Termination Fee (ETF) in addition to credit card processing fees and other recurring fees. All fees are automatically debited from a client’s attached checking account, and there is only a small window of opportunity to cancel service before the service agreement renews. Eliot Management Group also appears to partner with Northern Leasing to sell equipment leases, which automatically prevents it from competing with the industry’s cheapest merchant accounts due to Nothern Leasing terrible reputation. We would also encourage merchants to check out our list of the providers of the best merchant accounts.

Eliot Management Group payment gateway

Eliot Management Group offers e-commerce solutions including payment gateway access.

Eliot Management Group Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Independent Sales Team

Eliot Management Group seems to rely primarily on an “agent hiring mill” marketing strategy, wherein the company actively recruits and hires both independently contracted sales agents and internally employed sales representatives. Additionally, the company engages heavily in telemarketing and appointment setting by telephone. This marketing practice does not compare favorably to the provider in our list of best credit card processors.

Many Sales Complaints

Based on customer complaints, it appears that agents are either poorly trained in the terms and conditions of Eliot Management Group’s merchant account agreement or are encouraged to omit important details during the account setup process. This is evidenced by numerous customer reviews claiming surprise over fees and service commitments, and complaints of misleading sales tactics. At a minimum, customer complaints suggest a lack of oversight that allows many agents to engage in deceptive sales practices. It also appears that Eliot Management Group often enforces the contracts even when businesses claim that an agent misled them. If you are stuck in an expensive Eliot Management Group contract, you can lower your costs without switching by seeking a third-party statement audit.

Eliot Management Group Review Summary

Our Final Thoughts and Opinions

Eliot Management Group rates as one of the worst credit card processing providers in the industry according to our rating system. Like the companies with which Eliot Management Group is allegedly affiliated, Eliot suffers from numerous complaints of deceptive sales tactics by agents, nondisclosure of important fees and conditions, and poor customer support when attempting to resolve problems or cancel service. The company can improve its rating by amending unfriendly and predatory contract policies and eliminating complaints of deceptive sales tactics, unauthorized debits, and poor customer support.

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Eliot Management Group Competitors

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Customer & Employee Reviews

What Others Are Saying About Eliot Management Group

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186 Responses

  • Sandra Catlett

    rta, Inc

    Our new Bookkeeper did a little internal audit of accounts we pay with an ACH debit from our bank a couple of weeks ago. We found almost 2 full pages of Monthly and Annual credit card fees from this company.
    We were having problems with our credit card machine so Mr. Eliot had a brand new one sent to me. We tossed the old one per his instructions.
    The earliest charge our bank records show is August 7, 2015 for a charge of $3637.50. The bank records show the last charge posted on the original credit card machine was for $1450.00 posted January 29, 20216. Starting February 02, 2016 thru February 2, 2023 this company has (stolen) withdrawn $6,200.30 in monthly and annual FEES that we did not even know about!

    I was told by Eliot that because I had not signed a Merchant Account Closure Request back in 2015, I could not get any of this money back!
    I am closing my account with them immediately.

  • frank

    franks train shop

    Started off great with these guys as I had a dedicated salesperson. When he left, it was impossible to get anything accomplished with these folks. Fees got higher and higher, some correct, others incorrect. They make you jump through hoops to get anything done. Then you try and cancel. Its easier to launch a rocket ship to Mars then cancel with these folks. Just terrible.

  • Sandra Asc

    Adelitas Mexican grill

    Please be careful and stay away from this Cc processing company.
    The sales persones offer a 30 day trial and they sing you for a contract.
    I cancelled my service back on December-2019 and they still charging my account stating that I never cancel the service.
    I called back on January-4 -2022
    To see why they keep changing my account when I haven’t use their terminal for the las 2+ years and they want me to send an email closing my account again and a $495 dollars fine for closing the account.
    I called to get a copy of the famous contract sent to my business address and they don’t send me one until I give them my Mo Id, social security number and my personal address.
    This company and Their costumer service are a joke and the worse on the market.

  • Unhappy with this company

    This is by far the worst merchant services company I ever used. Our equipment stopped working and technical support wasn’t able to help us. We spent 48 hours without the ability to process payments. We tried working with them, but had to cancel and go to another merchant. Of course, they charged us an early termination fee. They were not willing to work with us in any manner. Stay as far away from this company as possible. I wish I would have don’t more research before going with this horrible company. The good news for me is that I now know that due diligence and reading reviews are very important.

  • Kevin Heiner

    Wireless N Wifi

    We signed up with them over 3 years ago with 2 established companies. Almost immediately they refused a $20K transaction from our best customer for company number one, who routinely made payments between $10K and $40K. We stayed with our previous provider with that company, but were charged a $50 fee they never refunded!

    We agreed to go month to month on the second company, and last month they refused to process a $30K card payment from our second companies best customer! We canceled, and now they are charging us a $495 “Bankcard Close Fee”!

  • Terry Crane

    These people have been jerking us around for almost a year. That’s a year that their services have not worked. Months of not returning calls. Months of problems. Months of lies. Months and months of taking our money. Months and months of not have a single successful transaction. Now trying to hold us to a contract. This is hands down the worst company we have ever dealt with. Period.

  • Laura garcia

    The salesman came in to our store and started his sales pitch about how they were way cheaper than square without all the expensive fees. It has been a nightmare every month with one thing after another not working, fees being taken out of our account that we were not told about, a yearly fee(which square didn’t have) and poor customer service. Please, please, please, don’t use these guys. They lock you in to a 4 year lease so if you cancel you have to pay them anyway!!! Stay with square who shows you all the fees up front and no yearly fee!

  • Rosanne

    Eliot, dogged me for months while we were building our business, when we signed up we were happy to have a provider. Right away we were unhappy with the way the system layout worked. We have spoty wifi and we quickly found the equipment wouldn’t work in our spot. We shared our concerns with Eliot and that’s when the trouble began. They are very rude on the phone and wont accept our problem. They have a fee for returning the equipment and one if you dont.

  • Randolph

    This company is a complete rip off the sales rep told me that within six months after I was with them that I could cancel
    so I canceled wrote a letter canceled the account they still proceeded to take funds from my account when I called to tell them about what was going on they acted like I never called or sent a letter saying that they can take funds as long as I was under contract I spoke to a representative she verified that the letter was received.
    I even received an email a month later saying that they miss my business and to come back I can’t believe this company company is still in business

  • Dive World Austin

    Really there are not enough superlatives available for me to emphasize all the reasons you should not use Eliot for your payment system for your business. Terrible reliability, terrible customer service, and had a measurable negative effect on my business revenues on several occasions. Locked in a two year contract, I bit the bullet and paid the early termination fee, it was so bad. Firing Eliot as a good day.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Emily Christensen

    I have worked with Tanner for the last year, he has been very patient and kind with all my question and concerns. He returns my calls/texts very quickly and is easy to work with. I would highly recommend Eliot Management Group for your needs.

    • CPO

      Hi Emily,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Jana Cooley

    I have severed my relationship with EMG. I was not able to use my credit card processor for about 2.5 months. I also could not pass PCI Compliance. The lack of knowledge and assistance from this company was horrid. There was a local office for this group in Lake Oswego , OR that was closed but I was not notified. Nor was I ever notified about Eliot Management Group no longer using Trustwave. I have made countless attempts to resolve my problems with EMG. In this day and age it does not behoove my business to be unable to accept card payments. This inability to work with me to troubleshoot issues that have been ongoing has caused me to lose money at my business as well as lose all confidence in this credit card management company and months of aggravation and frustration while attempting to ‘jump through their hoops’ in an effort to remedy a situation before I looked into finding a new merchant services company. The lack of customer service, inability to resolve all of the problems I was facing and the incorrect information I was given about entering into a 3 year contract rather than a 2 year contract is disturbing and unethical. I would advise any other small businesses to do your homework before signing with a company. This is a highly competitive field and there are many, many options available. I basically went with this company because the business was already set up with them. I regret my decision and am completely dissatisfied with their method of doing business. I do hope someone at the corporate level might take a moment to review both my correspondence as well as the taped telephone conversations. I sincerely hope this post will save another business owner from the kind of inept, complacent treatment I was given.

    This post will help: Best Merchant Accounts for Catered Events


  • Marcy Roberts

    The ABSOLUTE WORST MERCHANT COMPANY EVER!!! They don’t back their businesses when there’s a dispute, charge you random fees for not being compliant, but don’t tell you you’re not compliant until a month later when it shows up on your bank statement. Customer services is amazing, until you sign up, then forget about it. I told them I wanted to purchase the terminal & guess what, they put me on a 5 year lease, to get out of it would be $2400!!!! PLEASE DON’T CONSIDER THIS MERCHANT TO PROCESS YOUR CARDS!!

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • vasiliy oleynik


    we signed up with Eliot Management Group, and rested assured that we were not under contract, “according to the sales rep” 1.8 years down the road we decided to upgrade to a POS system. EMG was no longer an option, because they couldn’t integrate. so we call in to cancel and to our surprise, the person on the other line says we are under contract and a $500 dollar fee will be charged for early cancellation, mind you this is after giving them our business for almost 2 years.

    that’s when the fun began and we realized the Pile we stepped into. come to find out we are subscribed to auto renew on our anniversary date. and only a window of time allowed to cancel around our anniversary date. so if you miss that window your locked in for another 3 years!
    13 months from today is our service anniversary date, so for the next 13 months i will be waiting for that window of opportunity. meanwhile i will have to pay the monthly fee.

    every attempt at working with them only ended in the contract being shoved in our direction. my dad is 60 years old and he is a handshake type of guy, he didn’t bother to ask for copies or written confirmation of the “NO CONTRACT” stated by the sales rep. at any rate customer service dropped to 0 sales rep is MIA and we are stuck paying a fee for something we cant use.

    We switched to a different provider with NO CONTRACT in writing, and pay a lot less both in percentage and monthly fee that is with the POS included and impeccable customer service.

    Eliot Management group is not a Company that values their customers or their reputation. they seem to only value your money.

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • Bill Nordbrock

    One of the worst business experiences of my professional career. They approved our application and started collecting payments on our behalf. After they collected and held thousands of dollars EMG decided they could not collect payments for our business. They returned the money to all of our clients with an explanation that made us sound like we were an illegitimate business. After that, they refused to refund our application fee. Do NOT use them…..


    I’ve worked with Eliot processing for many years. Like all processing companies, the salesman come and go. I’ve stayed with Eliot because they do what they say and the rates are really good. Every once in awhile, I call them to make sure I’m currant and up to date with the feds. and they try to make sure I’m taken care rate wise as well. Thank you Eliot for working with me all these years. Doug

  • Cheryl

    I tried this company after much pressure from the sales person, after he told me specific prices and that I could try it with no contract. Well – he lied to me. There is a contract, and I am locked in, and paying much more than we agreed upon. I have contacted the Attorney General to get this taken care of. How dare they take advantage of me and my small business.

  • marco morifin

    Diana joubert is my sales person she is a good rep when I call she pick up and when I have problem she fix for me I would tell any business for her and I will send her a lot more customer she is the best.

    • CPO

      Hi Marco,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Carrie

    Beware! I was told I was going to do a SEASONAL 1 month process and now I have a 3 year contract! There is more than you will not KNOW or be told then you have to try to reach the rep or manager- good luck! The attitude is unprofessional and they approach you as you are in a contract and can not resolve the problem at all with them. How weird it is to have a 3 year contract but use 1 month out of a year. Is there such thing as a seasonal contract to fit the client? I was hesitant going with this company but a past employee talked me into this and now she is cannot be reached either. WIERD!! Beware

  • Augustus Vigilante

    Worst company ever!!! I have been lied too… and charged 150 for a service I have never used… sales rep. Charged for a card machine I never got… then started the calls…Never to the right person… answering service is a joke..had someone in the office tell me they where from corporate then hang up on me…i feel like I been robbed…dont trust these guys… I still haven’t got my money back…. don’t do it!

    • Carrie

      I feel the same way and robbed is RIGHT! They start tossing around the 495.00 cancellation fee too. Horrible experience. They tell me (Amber) how they have tried many times to call me but that is WRONG. I will stay with Go Payments for a little more a month for sure.

  • James tupy

    Crooks. Crooks. Crooks. Stole money from my business account after closing my merchant account with them. I would not recommend them to my competitors

  • Nancy

    A Brian leaves me a message saying he was sorry he had messed up and missed his appointment with me and would like to reschedule. I told him I didn’t have an appt. with him. Then he proceeds with his sales pitch regarding merchant services, I told him I was not interested and he goes on and on. I told him I did not have time right now as this is our busy time and he said so you don’t have time to save $500, I said, No I don’t have time for pushy sales people.

  • R Kluge

    November 16, 2016
    Elliot Management Group
    Attention: Retention Department
    300 Burnett St
    Suite 400
    Fort Worth Tx 76102
    Dear Elliot Management Group:
    We are writing this letter to inform you that we wish to have our account reference # **** , upon the receipt of this letter. Please see the following reasons that we feel that we have to close the account and expect it to be closed without the $495.00 closing fee.
    First I would like to say that I take responsibility for not doing my due diligence on your company. After the problems began I started looking closer at the company and have found that there are more complaints than I could possibly ever read online, many of them dealing with the same issues that I have. It is quite scary.
    I first met with Travis Lipp and told him I would have to think about the service due to a crazy schedule I did not sign up until months later. I finally signed up in August and registered the service to use in September.
    I first used this service in September 2016. I immediately had issues with the funds not being deposited into our account. I called numerous times and not one customer service representative could explain why I was receiving partial payments and every single charge was flagged, in fact they seemed really puzzled. After waiting for a supervisor to call, and becoming even more concerned I called again since the time period for the supervisor to call had come and gone with no call. I did receive the funds but was shocked at all the charges.
    When I was told of all of the charges I was quite upset, I called Mr. Lipp my representative over a dozen times without a single return call. I called your company asking for assistance and was told it was in the contract, a contract that I had not received. I ask for a supervisor call which I did not receive and a copy of the contract which I did receive.
    Upon receiving the contract I was shocked, the contract I signed had two pages this one had four. There is obviously discrepancy so I once again called customer service in which the operator said I need a supervisor. I could only laugh at that statement.
    The contract was dated in June, I did not have an account with you until August, the date written in a handwriting not mine. I was listed as an owner, I am not the owner as I have stated, I am a managing partner, this is a corporation. It said that I am 100% owner which is completely untrue. I noticed the average ticket listed as $100. The store is quite small and many items are only a dollar, my average sale is closer to $20.00. Once again not my writing and in a completely different pen.
    There are numerous areas where a different ink pen was used and things crossed out and written concerning percentages and such. With all of the different writing and ink I was shocked to say the least.
    I immediately called for help with all of these contract issues and was told, a supervisor would call. I thought for sure your company would be as concerned as I was considering the person representing you was committing what I consider fraud, a different contract, items added and changed in other inks and a very clear different hand writing. I ask to immediately close the account. Was told I would get a call for sure this time. Plus it was $495, to close a fraudulent account. No help and what seemed to be no concern which leads me to believe that you either accept this behavior, encourage it to make a profit, or just plain do not care.
    Needless to say, I am furious about this entire episode that cost me hundreds of dollars and so much stress and worry.
    I feel that my account should be closed at once with no repercussions or fees. I also revoke any and all access to my banking account. I want you to look into your representative, Travis Lipp, and his immediate supervisor. I also feel that an immediate overview should be done of representatives and their training. A new contract should be written where a consumer must initial on areas concerning fees, and on each page as well as being clearly labeled page _____ of _____. A follow up call from the representative’s supervisor to check that the contract is understood, as well as checking to make sure there are no inconsistencies as in my contract would be a responsible thing to do. These are simply yet effective changes that could protect consumers as well as yourself. This would go a long way to changing your rating online which is abysmal at best.
    I am sending this letter to the Better Business Bureau as well as a copy to your acquiring bank, Fifth Third Bank, and posting online with a place for a follow-up response.
    I hope that you do the honorable actions in this case and use it as a starting point to elevate the reputation of your company.


    The following is the address listed for their acquiring bank:
    Fifth Third Bank
    Attn: Relationship Manager
    38 Fountain Square Plaza
    Cincinnati OH,45263
    Contact phone: 817-317-2996
    Acquirer Phone: 866-250-9764

    Hope my mistake can help someone else.

  • The Garage Vapor Lounge

    Terrible Customer Service, LIES, took my old card processors card reader, made me think that I was sending it back to old processor, cost me $600, promised to get me out of old contract cost me $400 in fees still being charged to my account, had to pay $595 to get out of contract and they are still charging me, don’t give into these sweet talking thieves. Even when I talked to a higher up manager they would not do anything to help me out with the terrible way that I was taken advantage of, BEWARE
    Thank God I have learned from this experience, but I feel sorry for the new people out there that they are taking advantage of, I wish that there was regulations on what they can and cannot do

  • Yumi Ha

    Worst company to deal with.
    They will conveniently extend your contract for “reviewing your rates”. They said we have to keep 5 year contract terms with them.
    When one customer calls in to dispute a charge, they will immediately suspend each and every credit card processing amount for weeks at a time, REGARDLESS the total amount, whether the claim is correct, etc. You will leave numerous messages for their chargeback dept and you will receive NO response back. It is the worst company that will cripple your small business.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

Educational Resources

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

Phillip's Popular Reviews
stripe logo
Stripe Credit Card Processing
June 9, 2023
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Square Card Reader & POS
March 19, 2023
Intuit Merchant Services
March 17, 2023
Shopify Logo
Shopify E-Commerce
February 11, 2022

Here Are The Processors Who Don't Hide Fees

Some processors have no monthly, no annual fees, no contract, and cheap rates.

Phillip's Top Picks by Industry

Should You Work In Merchant Services?

It's a cut throat industry. Get the truth here.

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These processors offer Quickbooks integration and have low rates.

Overpaying? Find Out.

processing cost calculator

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review


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