ElitePay Global Review

72 Replies

Credit Card Processors
ElitePay Global Logo
Category Breakdown
Sales & Marketing rated D
Costs & Contract rated D
Complaints & Service rated C
BBB Rating rated B minus

ElitePay Global

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ElitePay Global Overview

ElitePay Global Logo

ElitePay Global Logo

ElitePay Global (elitepayglobal.com), formerly known as PrimePay Global and International Payment Services, LLC, is a merchant account provider headquartered in Henderson, Nevada. ElitePay Global may still offer some of its services under the PrimePay Global name, but it should not be confused with PrimePay, an unrelated merchant services company. ElitePay Global resells the payment processing services of First Data. Founded in 2005, ElitePay Global offers payment solutions including online gateways, portable payment systems, mobile payments, point-of-sale systems, and countertop terminals. ElitePay also provides merchant training and equipment sales. ElitePay Global is a registered ISO/MSP of Wells Fargo Bank, N.A., in Walnut Creek, California, and is located at 2850 W Horizon Ridge Pkwy Ste 200, Henderson, Nevada 89052-4395.

Sales & Marketing Tactics | D

ElitePay Global appears to hire independent sales agents to market its services. Generally speaking, independent contractors receive little training or oversight while in the field and are motivated to increase their commissions by signing merchants up for expensive contracts. This hiring practice usually results in elevated complaints among merchants. ElitePay does not appear to be an exception, as we are currently able to locate multiple ElitePay Global complaints filed by merchants and employees that describe unethical behavior by the company’s sales agents. Common complaints include misrepresentation of rates, nondisclosure of expensive contract terms (especially those attached to equipment leases), and poor training/support for employees.

One complainant who claims to be a former sales agent of ElitePay has stated that the company intentionally misinforms its agents about its rates and fees. According to this source, it is ElitePay Global policy to not allow sales reps to service the accounts they have brought in, which means that these agents never hear reports from dissatisfied merchants that could contradict what the agents were taught by the company. Another complaint from a merchant also stated that sales reps are removed from the accounts they sign up. If these complaints are to be believed, it seems ElitePay Global does not place a premium on transparency in its marketing.

Costs & Contract Terms | D

The ElitePay Global program guide (available below) describes a three-year agreement with automatic renewal and a tiered pricing structure through First Data. It appears that merchants who use ElitePay are subject to variable early termination fees, PCI Compliance fees, PCI non-compliance fees, and monthly minimum fees. Additionally, merchants are reporting very expensive 48-month leases that are packaged with the company’s credit card processing services. One complainant who claims to be a former employee of ElitePay Global stated as recently as September 2013 that the company offers equipment through both First Data and Northern Leasing. This is a troubling claim, as Northern Leasing has a very poor reputation within the industry.

There are currently many complaints about the cost of an ElitePay Global contract. Most merchants express frustration over the company’s non-cancellable, long-term equipment leases that cost thousands of dollars for equipment that is usually less than $400. Merchants also report sudden increases in cost several months into their contracts in addition to undisclosed fees. Overall, the consistent theme among complainants at this time is that ElitePay Global does not offer competitive or even average contract terms. See the ElitePay Global/First Data Program Guide for more details.

Complaints & Service | C

We are currently able to locate approximately 25 ElitePay Global reviews, many of which accuse the company of being a scam or a ripoff. Major themes among complainants include expensive equipment leases, deceptive sales practices, poor customer service, and undisclosed contract terms. Since the initial publication of this review, the company’s complaint rate has seen a moderate increase, which is a concerning trend. Some complainants mention that ElitePay has recently changed its name from PrimePay Global, but it is unclear when this occurred. We are currently unable to locate any rebuttals to these complaints from company representatives, but we have found some complaints from former and prospective employees. Overall, ElitePay does not appear to offer especially responsive or capable customer service. The company offers live chat and an email form on its website.

BBB Report | B-*

ElitePay Global is an accredited business with the Better Business Bureau (BBB). As of this review, the company holds a “B+” rating with the BBB (down from an “A-“) and has 33 complaints filed against it in the last 36 months (up from 25 at the time of our last review). Twelve of these complaints stemmed from advertising or sales issues, twenty from problems with products or services, and one from a billing or collection issue. Of the total complaints, ElitePay successfully resolved 18. The remaining 15 were not resolved to the customer’s satisfaction. Given this complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B-” for the purposes of this review (* denotes a CPO adjusted BBB rating). For more information about why we adjust BBB ratings, please see our rating criteria.

Bottom Line

ElitePay Global Review

Rated 1.9 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-02-07

ElitePay Global rates as a substandard merchant services provider according to our rating system. The company appears to offer a standard contract through First Data with expensive lease terms attached. Its rating also suffers from complaints about deceptive sales tactics and poor customer service, and its complaint record with the BBB has seen a negative trend since the initial publication of this review. Merchants are advised to read their contract terms, including the terms of any lease, with great care.

This review was originally published on 3/26/13 and was last updated on 2/7/14.

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  1. Stephen

    ElitePay global is a scam and has the worst possible agents, Bryan Tierney who entered the restaurant demanding to see the owner, when told that he was not here, he demanded that we call him, after trying to contact him with no luck this certain “executive” sales agent stormed out while using profanity to express how he felt about the situation. Your sales agents need better training.

  2. Sonny

    Hi there, my brother just sign-up a contract with them and just call to cancel and they act a same like other comments above.
    they want him to pay $2k cancellation plus 48 month lease x $210 per month. if not, they will put him in a lawsuit and collection fee.
    so, a total he need to pay is above $14,000.00 if he want to get out of this contract. and they want him to mail out a overnight cashier check pay to International pay service immediately. otherwise, they will put him in collection right away. they not giving you time to do it.
    I believe it time the government or who have a power to get involve to investigate and shut them down. and put all of them in jail.
    we don’t want these monkey running around to continue to scam other small business out there. come on can any once please HELP!
    please, give us an advice. thank you very much,


    elite pay global has a facebook page , they can be reveiwed there and people who have been neglected could meet there .
    i am also still stuck with this copany and fees, but if I quit em I would close the related bank account so they cant keep charging you. i dont think they wol d take us to court for unpaid fees? as they are so crooked. i noticed that The BBB seems to be on there side when i call them I get the run around and
    complaint is never processed. So America. Our country is being runs by banks , we need to take it back. please visit the facebbok page of elite pay global and review them . thanks

  4. benjamin Chen

    This company is doing monkey business to me. be aware of their trick!
    In last November, the rep from Elitepay Global came to our store. She asked us to show her our previous merchant service statement. after that she told us Elitepay globe will save us a lot if we switch to Elitepay. She told us Elite only charge the credit card machine monthly fee $149.00 plus charge only 1% of the sales through using credit card. She give us an example: if monthly sale is $20,000.00, Elitpay only charge 149.00 + $200.00 ( which is 1% of $20,000.00) with out any other hidden cost. Based on info she provided, I signed the contract. ( my mistake is the I did not read it carefully because we trust what their rep said). She even did not leave me a copy of the contract. From last December, we started to use Elite pay as our merchant service.
    First, Elitepay’s service is relatively bad compared to other company: When we have some problems with their machine and call them, it usually take long time to reach them. Then customer can not wait & leave, we lost the business. Sometime even nobody answer the phone.
    Second, They never send monthly statement to us. after calling them three times, we got an email from them with attachment of statement.
    Third, Their charge is completely different from what this rep said and way high than any merchant service company. Last December they charged me
    the credit card machine fee $410.00 + $387.96 ( our sale only around $15,000.00). If what their rep is telling the truth, we should pay $149.00+$150.00=$299.00.
    Fourth, after I found the big difference between what rep told us and what their company charged us, I called Elitepay and asked their rep to come my store. Elitepay refused my request. Usually an honest company will send their rep right away to solve the dispute if customer are not happy, especially it is their rep who come to us to do the business.
    If any one wants to suit this company , please let me know. I will join you. My contact phone number is [REDACTED – personal information].

    1. shenghe

      on 1/28/15 my son sign the contract with this crap company they change me three time on my bank account it about $1500 at first month and i call them why change me so high they say they can reduce the rate ,but i dont want use it anymore and i didnt sign contract ,ask for cancell they tell me is $2500 cancellation fee and 5645.35 for machine payout.. what should i do pay for it ?or

  5. Josh Lewis

    I too was just scammed by ElitePay Global. The sales rep claimed excellent rates, particularly regarding American Express (AMEX). Claimed just like a debit, I would be charged 0% and $0.08 per transaction. Said they could offer such a low rate because they process cards for Costco, and since Costco owns AMEX, those are the rates Costco pays and why Costco only takes AMEX, not VISA or MasterCard. I therefore, could get same rates as Costco. Also claimed they process cards for Walmart. Cost comparison was very appealing, I would save money. No annual fee, etc, etc. I signed up electronically on the salesman’s tablet. Told I would receive the contract within a few minutes in my email.
    Contract didn’t show up and didn’t show up. Had to keep calling ElitePay and asking for it. Was given the run-around. Meanwhile, talking to inside account rep, I find AMEX will actually be 2.89%!!! Finally got the contract 12 days afterward. And IT IS NOT THE CONTRACT I SIGNED! They have added and changed many things on it, included an annual fee of $99, RAAP fee, PCI fee, debit fee, service package, on and on.
    I immediately decided I was going to cancel. Even though with the altered contract I could still possibly save money over my previous processor, I can’t do business with a company that does things illegally, not to mention immorally. Of course, the cancellation fee I’m told is almost $2,000. Like I’m paying that! Also, of course, I was roped into a lease with Northern Leasing for the equipment. And that one I did understand I was signing an non-cancelable lease, but of course I only signed it because it was part of the package with ElitePay Global. NL, of course, says I’m stuck with the lease, which will amount to something over $6000 over 4 years. I have already put a freeze on my account and switched back to my old processor and using my other checking account. I have filed a complaint with BBB, FTC, and I will file with State Attorney General, as well.
    What a headache and a nightmare this company is!

    1. Brian

      I am in the same boat with Elite Pay Global, they are complete scam artists. They promise low rates and in my first month with them I paid double what I have ever paid in 10 years of processing credit cards. They then said they would do a rate review for my next month and even though the rate was lower than the 1st month it was still at least 25% higher than I had ever paid before and nowhere near the rate they had promised. They also flat out lied about the contract, in my contract I was promised a $160 credit after 30 days of processing with Elite Pay Global and I never received the credit. I closed my bank account to stop these thieves from stealing money from me but now have a 48 month lease for equipment that I am not even using, I went back to using my old processor. I contacted the BBB but that is going nowhere, definitely plan on contacting the AG and the FTC, these guys need to be stopped.

    2. jake russell

      I used to work for these criminals. The owners are Brian and Andy Bentley. They are based in Salt Lake City and need to be put in jail.

  6. Jil B

    This company started their shananagans right after I signed with them. My rep told me they were sending my machine and were going to call me with instructions. I was shocked when they told me that the machine they sent wouldn’t work and I needed to send it back and by the way, you need to sign this additional page that we are faxing you and it will cost you an additional $ 20.97 for the same machine you have now from your old company. My rep who told me she would be there if I had a question, never answered her phone again. I called and let them have a piece of my mind and told them to cancel my agreement for shady practices. They told me I cannot do that and took out over $ 320.00 from my account when my contract read $ 99.00 a month. I never signed for another machine and their leasing company, another sleezy operator, told me I have their machine and I WILL pay for it.
    They can stick this b!&$:;t up their flute because I moved my account to another bank and I will fight like hell to make sure these two brothers who own EPG never get anything else from me. The only thing they did on my behalf was to show their greedy fangs before I cancelled with my old company and I never had them set up to process charges for me , wow that was the best thing ever! Northern Leasing is their merchant service company and they have about the same reputation as Elite Pay Global, must be related. Don’t go with these people, they want to siphon your bank account and apparently they can take out what ever they want, NO ONES WATCHING THEM!!!

    I think a Class Action Suit is in order, they were fined 11 million for the very same practices a few years ago.

  7. Brian

    do not use these guys, they are complete scam artists. They promise lower rates that will offset your lease payment but your rates go up and you are stuck with the lease as well. The salesperson disappears as soon as you sign contract and customer service will not provide any help. They are total con artists, do not even let them in your place of business.

  8. David Sheen

    I was recruited as a sales representative for this firm on Craig’s List. They are recruiting all over the country as “EPG.” I tried to do an “EPG Scam” under Google with no luck. I started my two day online webinar training this morning and learned of the full name of the company. Entering the full name into Google gave me this very valuable website. After reading the reviews I immediately took a break from training and was told I would not be allowed back in.

    Good riddance!

    Thank you everyone for your everyone’s comments. I am persuaded that all of you who are posting the negative reviews are speaking from the heart and I thank you as you have saved me from a colossal career mistake. I am so sorry for the loss that many of you have incurred. * Sigh *

  9. Dianna Baumann

    On July 25th 2014 a salesman from Elite Pay Global Showed up at our bar/restaurant and claimed his company Elite Pay Global could save our business approximately $200.00 per month after looking at our currant merchant statements and equipment program all while providing us much better and more high tech equipment over our currant 5 year old system.
    Before the equipment even showed up Elite and their leasing company Northern Leasing Systems started withdrawing fees from our business checking account over and above what we were told we would be paying.
    When the new equipment showed up and was set up we found the equipment could not do what we were informed it would do. We received virtually no customer support from them. Then when customer support did get around to us agreed the equipment could not perform the functions we were told it would.
    On 8-12-14 we had still not received all the balance of the equipment we were promised we sent Elite Pay Global a cancellation letter. We then sent the equipment back to Elite Pay Global.
    We are now being harassed daily by phone from Elite Pay global and / or their leasing company Northern Leasing saying we owe them $13,300 for the we sent them back and are being threatened to be sued in Nevada court even though we live in Minnesota.
    We feel this contract was induced by fraud. We were deceived by the sales person on the fee’s and most of all how well the equipment would perform.
    We have never dealt with this amount of dishonesty and deceitfulness in our 11 years in business.
    They don’t care that the equipment does not perform as stated the just want their fee’s.
    This company needs to investigated and shut down. We have filed a complaint with the Federal Trade Commission and our State Attorney General as well.

  10. Valerie Keith

    I have been with this company for 21/2 years fulfilling my 4 year commitment .
    I would tell anyone out there do not sign up with this company! They are a very deceitful company and have very unethical practices ! They have bad costumer service! Don’t do it!

    1. Disgruntled

      Valerie, I too worked for this company as one of their telemarketers. From day one, I had the fact that I NEEDED to set several appointments a day drilled into my head or else I’d be let go. Despite the supportive, almost family-like atmosphere of my office, I was let go after only 2 1/2 months. Nobody, no matter who they are, can possibly deal with that kind of, “pressure cooker,” setting! If anyone applies for a TM job & it turns out that it’s with EPG, RUN THE OTHER WAY!!!

  11. Mike

    ElitePay Global uses unethical and misleading sales tactics taking advantage of small businesses.
    they put you into a contract for the equipment & do not even come close to the numbers that the salesman uses to lure
    you in. the promise you only 3 rates that merchants have to worry about 0% Debit with a pin, 1% Credit, and an “occasional” 2.99% on “non-qualified cards
    when you contact their customer service they tell you that a manager has adjusted your account,DO NOT use them.
    I planed to not paying equipment lease and use a different processor.

  12. Robert

    I got a call from one of their telemarketers and I told them that I am satisfied with my current processor and will not be switching. They still sent one of their goon sales monkeys to my business even though I never scheduled an appointment. The guy came in and kept annoying the hell out of me promising 1% flat fee on all processing. I said give me referrals to past businesses he has set up and he wouldn’t give them to me. That’s when I asked to then see a contract and we started looking over it together. He didn’t even understand any of the sections in the contract or what half of it meant. He just kept repeating that he can guarantee 1% on all transactions. I just laughed and told him to leave. Don’t ever let one of their sales people in the door. They don’t even know their own contract and they work for the company!!

  13. Doug D

    My experience with Elite Pay Global took placed about a year ago. The numbers initially presented by their customer service rep looked good enough to sign the application. After studying these numbers over the next couple days, I realized it would actually cost me quite a bit more every month than the service I already had. The following day when Elite requested further personal information, I refused to give it to them and asked out of the contract. Since their application depended on this information for completion, the contract application should have been voided right then and there. Two days later they hit me with early termination fees and 4 years of monthly charges totaling $2,095. I hadn’t receive any equipment from Elite or even processed a single credit card with them yet. Bottom line, it was my fault for not checking up on this company before signing on with them. It was a painful lesson and one I’ll never forget!

  14. Tim

    Boy am I lucky. I almost signed with these thieves. They promised me I would only pay 1% on credit cards and the salesman (Criminal) told me the non-cancellable page just means that that guarantees that your rates won’t increase. What it really means is that it is a non-cancellable lease agreement!!! When i asked for a copy of the contract to leave with me so i could research, the sales guy (criminal) wouldn’t do it. That’s when i told him to leave. Then I went and researched the company and found this site. Please stay away from this horrific company.

  15. Ben Thrasher

    I had the misfortune to work for these clowns. When I figured out what they were doing my ethics would not allow me to continue. There are three brothers that own and (laughable) manage. Another brother that works there as well. The guy your looking for is Andy Bentley who is president of sales. He also owns a used car dealership, Nate and Andy’s – gee big surprise. The appointment setters are a bunch of kids who badger business owners until they get an appointment. The vast majority of the appointments are bogus, the business owner makes it a point to not be there because after that hang up the phone they realized they’ve been hoodwinked. The poor sales people burn up gas and waste time on non-existent appointments. If they don’t make a sale within 35 appointments then they no longer receive appointments. Training is so sophomoric. They are taught not to leave any contact information behind, usually omit that the contract is a non cancel-able. The rate can be anywhere from 99 bucks to 599 and it runs for 48 months. The hook is 1% on credit cards and 0% on debit cards with a pin. The realty is that the majority of the cards are going to end up costing the merchant 2.9% and they are stuck with this crazy lease, do the math, it’s absurd. Then the merchant continues to get all these add on expenses. They will end up paying twice a much before they went with these criminals. They really take advantage of business owners with limited English skills. At one time they were Prime Pay Global. Run, Run, Run Away.

  16. Doug

    I cannot believe this company exists. Nothing but trash. All I know, is if there is a hell, the salespeople at Elite pay global will have the presidential suite when they get there. These people have absolutely no conscious; tell you nothing but lies to get you to sign paperwork; and charge you a ridiculously high lease that you are locked into and double your rates; and don’t even leave you with the copy of the contract to review. Hello!! Huge red flag!!! If one of these sales crooks from elite pay global come into your business, call the police.

  17. Linda

    Telemarketing practices are annoying at the very least. Man called me, I told him I was not interested in their services and hung up, he called right back and this time I told him to take my name and number off their calling list and hung up. He called back again and said he would call all day until I listened to his sales pitch. The phone number he was calling from was 719-941-1338.

  18. Phillip Ta

    Elite Pay Global is extremely unreliable…it is a total scam! I was pressured into signing a contract with them, the salesman “Cody Johnson” failed to mention that the contract was for a total of four years. He promise me that signing with him would cost lesser than my current provider. He took advantage of my limited English, my time and my trust. He only told me that if I sign with him that day that I would get $400 dollars and that if I want to cancel, the cancellation fee would only be $395. He never mentioned that I would have to be stuck in a four year contract including paying $50/month on lease. Within only three days I tried to call Elite Pay Global to try to cancel. Since I live in Georgia, GA Laws allows up to three days to terminate a contract. The woman on the phone told me “Cody Johnson did not point a gun to your head and make you sign the contract.” What kind of business is this? I have never once used the machine since I received it yet I owe them over $8000!

    PLEASE LISTEN TO MY WARNING! Elite Pay Global are criminals. They will scam you for all your money. They go after small business owners that they know they can take advantage of. Please be aware and DO NOT sign with them.

  19. steve

    This company absolutely is disgusting. If you are a merchant, do not ever except an appointment with one of their lying, cheating bastard sales people. They won’t even let you read the fine print on the contract which, has a ton of stipulations that the sales person does not inform you about. They do not even let you see the contract…i REPEAT…THEY DO NOT EVEN GIVE YOU A COPY OF THE CONTRACT! Stay away!! Before you know it, you are locked into a four year lease that is iron-clad and paying about twice as much as you did with your old processor. Please! Stay away

  20. lowden Swain

    ElitePay Global needs to be investigated and shut-down by the attorney general of Utah. The criminals that work there all need to be thrown in jail. This company scams you into an outrageously high 4 year lease on your equipment and then promises you a guaranteed fixed rate of 1% on qualified credit cards and 0% on debit pin based transactions. They say you eill only be charged 2.99% on non-qualified corporate cards. This is a lie. They have the discretion to charge you 2.99% on any card and justify that it is considered to them to be a non-qualified card and get away with it because the industry is not yet regulated. So you are paying a huge lease that you are locked into and you are getting charged 2.99% on most of your transactions.

  21. Tony Johnson

    ElitePay Global came into my company store and said they would cost less. To date they have more than doubled all my processing fees and have in their fine print huge cancellation fees.. They are not trustworthy at all and just claim cards don’t meet their low fees so they can charge mush larger fees than quoted. They are the worst processing company I have had since opening 10 years ago. DO NOT use them is all I can tell you.

  22. Sergey

    The sales person (Andrew) went though my current processing statement and said that I do a lot of debit transactions and I will get 0% fee on all debit transactions and 1% on credit transactions. I called ElitePay Global 1 week ago because I my fees were too high and they said that they have 0% debit for all customers.
    3. Andrew showed me that with the new processor I will have savings of approximately $200/month (including the $368 leasing fee). He said that their company is in the business of leasing, so they do not make money on processing and pass along cheap transaction fees to clients like me.
    3. When I received my first fee statement I noticed that the total fee for the month was almost exactly equal to the fee with my previous processor. My business is not seasonal, so the processing amounts and fees differ only slightly during the year. Although the processing fee was the same I was also paying the leasing fee of $399 (after all the taxes, which was not mentioned during contract signing). So, $400+ $200 of promised savings = salesman’s lie of $600 per month.
    4. The fees from the processor are very tricky. They breakdown everything in the statement, besides the non-qualifying transactions (and these are 50% of the total monthly fee. With my old processor (who also used FirstData, a great company) I had no non-qualifying transactions. With ElitePay Global I have the vast majority of my transactions as non-qualified. The rate for non-qualified transactions is 2.99%, even for the debit transactions. They could not explain to me when I called, what exactly constitutes as the non-qualified transaction. Even when a debit pin number is entered, it is still a non-qual in their statement. During the 2 calls I made to ElitePay Global, their response was “I will put your account on review and we will lower your processing fees. You will see a reduction in your next statement.” I have not seen the next statement, but I do not want to wait for obvious reasons.
    5. The contract was singed for 48 months and has both equipment lease and the processor on 1 agreement.
    6. Only after I received my 1st monthly statement I researched the 2 companies and saw the amount of complains and poor BBB rating for the 2 companies.
    7. I wish I had done my research before signing the contract, but the salesman pressured me into signing today. He asked me, what can he do to sign today, and lower the leasing fee from 399 to 368, which ended up being $399.06 after taxes and fees.

  23. Jennifer

    ElitePay is horrible!! We signed up with them for about a year before I just couldn’t take anymore lies. We were suckered into a 450 month lease with first data that the agent said was included in his quote he gave us. lier, it was in no way included. then the funds were not being deposited into our accounts, I would have to call and ask where are funds were. Then having to sign up for their issuance? it just seems like little fees kept popping up here and there. We had enough and left elite, they want 1800.00 for early termination fee. Industry standards are 295. max 500. so Hell no. just another scam from these people. we have our attorney looking into it. I will keep my fingers crossed but who knows..without a lawsuit..these guys will probably get their way.

    1. Thanna


      I am in the exact situation with ElitePay. Can you tell me if you found a way to get out from under the 5 year lease?
      Was it worth hiring an attorney?
      Fees are astronomical! I have only been with them a year and they are withholding my credit and debit transactions to pay a $301.35 fee that I stopped payment on! They would not give me an itemized statement for over a week and then when she finally emailed me one I still don’t know what the charges are for!

    2. Jennifer


      I’m sorry I did not see you asked me this question until now, no we never did find a way to get out of the lease for the processors, that unfortunately we seem to be stuck with. I did see that there is an investigation into First Data for its practices, I signed my name up for that but have yet to be contacted. I sent the equipment back so now I’m paying for air…I did take pictures of everything and document my calls so when the lease is up they have to end it. As far as Elite Pay termination fees..my Attorney sent them dispute letters and we have not heard back..thats been a year ago? We were only with them a year also. I hope they get shut down, they are aweful.

      1. amber

        Stop paying them, change your bank account, and get a new processor. File a complaint with the bbb, ftc, attorney general. Look for anything in the contract that they are breaking and then they are null and voiding their own contract. I lucked out and did all of this before they got 1 penny from me but here are helpful hints for everyone else. We should start a class action suit against them. They are crooks.

  24. Justin Gang

    I have been with Elite Pay for 2 months and am very unhappy. 1st I have no way to contact the salesman who signed me up and they wont give me any info to, They also got me into a very expensive lease agreement for equipment that I have since found out they could have used the equipment I already had which was identical to what they sent me. They never gave me a copy of the service agreement and keep telling me they will send it to me but haven’t . Then when I inquired about just paying my cancellation fee and moving on they said on top of the $395 fee there is another $1800 in charges totaling over $2200. I even planed to keep paying equipment lease but use a different processor but still trying to get out of my contract.

    Any advice on how to get out would be appreciated

  25. sean

    this happend to me aswell . All types of things promised but ALL I HAVE IS CRAZY BILLS .
    then they sent a lesser machine then stated . i wont run debit cards . they are so dishonest !!
    stay away . i would be up to join the hanging party. for real . this is a very bad copany!!!!
    the most screwd thing besides the contract is the time it take for money to get into my account.
    they need to be closed down . they are putting me out of biz, i fell stupid for getting screwed by them.

  26. Tariq

    I have been a customer of ElitePay Global for about a year and recently my terminal took a turn for the worse. I called in to customer service to let them know my issue. They had me run a couple of tests and found out my terminal was messed up, so they sent me out a new one at no cost to me overnight. This makes me very happy to have such good customer service as I signed up all 4 of my locations with them and I know if I have an issue in the future they are on top of it.

    1. User Phillip Parker Post author

      Hi Tariq,

      In order to authenticate your testimonial to other readers, please reply to this comment with your business name and location.

      1. chad

        Phillip, why don’t you have the people leaving negative comments about this company provide their business name and location to authenticate their testimonials? Lol seems kind of biased if you asked me. Never heard of this company just ran across this article.

  27. Charlene

    I have used ElitePay Global for the past 18 months, based on complete LIES and DECEPTION. They did absolutely nothing they said they were going to do and I have spent thousands of dollars on unnecessary leases. They charged me hundreds of dollars a month for processing, when they said I would be spending less than $50/month. Their lie to me was that they basically process for free and make their money on the lease, which would still be saving me money. Now that I am switching they are claiming I am going to have to pay them $8174 to cancel my contract. This in spite of the fact that they told me I would not be under contract and could cancel at any time. Whatever you do, DON’T believe their lies….it will cost you thousands.

  28. All Digital

    Elite Pay Global and First Data Corporation is a total scam. Sales Person Michelle Chapline came in, sold us on 1% on all credit cards, and 0% on all debit card transactions. She did a written quote using our existing volumes stating the visa fees including a $99 lease of the credit card terminal. The total fee shows less than what we were paying to our existing processor. At this same meeting, they have sent our credit card statements to the “company” for their review.before the agreement was signed. First month billing show $300 more than what we paid to our previous processor. Many phone calls were made and they made no change to the rates that were promised. Then they claimed they have to do a rate review. All the fees included, the so called invalid FID fee $49.95, and many more charges that were not on the original quote.

    This is a total fraudulent transaction. The lease is induced based on having visa card rates of 1% credit and 0% debit. We still have not gotten these rates yet.
    Now we are stuck with a 48 month lease of $99 for a terminal that cost less than $300, and the visa rates higher than what we were paying before.
    Any one knows which federal authority needs to be notified for this company’s scam. We need to stop these people hurting more business.

    1. k

      I did some research, and I would suggest filing complaints with all of the following:
      First Data
      Wells Fargo
      The Better Business Bureau of Nevada (although the company isn’t physically located there anymore – the address shown on statements and business cards is still in Nevada. Better business bureau of Utah, and Illinois (they have physical locations in Utah and Illinois – although they don’t list them anywhere –
      State Attorney General in Utah, Nevada, and Colorado
      Administrator of National Banks
      & the Federal Trade Commission

    2. Tom

      The scammer is Elite Pay Global not First Data. The above action is correct. I would contact the Better Business Bureau in their jurisdiction, State Attorney General in Utah, Nevada and Colorado, and Admin of National Banks and Federal Trade Commission. In addition, First Data Corp. and First Data Global Leasing.

      I would also file suit against them to get out of the lease/contract. Please contact us if we can be of any further assistance.

      1. Hoang Nguyen

        Hi Tom,

        I’m in the same boat as everyone. They required me to pay 2k to cancel the contract not including the terminal lease. I was never informed of this at first. If you could provide any information that would help me get out of this horrible company, I would be greatly appreciated. Thank you, Tom.

  29. Ryan

    If you want to know how they do it. They sale 1% credit 0% debit. The also tell you that they can go below interchange. So what they do is give you that rate for the first 3 months of you contract. Then it jumps up to 2.99% sometimes higher for the rest of the 4 yrs. The buy is the contract. So you have to pay 5 to 10 thousand. So either way they get their money. They don’t let you talk to the agent again is because they make it impossible to get in contact with someone. Their customer service good luck getting them on the phone. When you actually do get them on the phone they tell you they will look into it and then you will never hear from them. They also tell you that 1% 0% will never change for the life of your contract. How is this not miss leading? How can they do this. So what when it catches up to them again you just change your name and start all over doing it again? Companies like these should be stopped. I really don’t know how they feel like they are doing anything other than cheating and stealing money from people that work hard for what they have. Something has to be able to be done.

    1. JC

      Hi Ryan,

      I’m in your same boat too. I’m so naive to believe what the sales rep said. I’m trapped in this 48 mo lease equipment contract $599/mo!!! and processing term. When the sales agent quoted, I should be saving $200-$300 per mo with the equipment factoring in…which is not true. I asked all the questions I have with the sales agent but later I found out the answers doesnt correspond to the contract. I have to ask for a copy of my contract and didn’t get it until half month later. I’ve talked to their VP and he said I couldn’t cancel the contract because it’s noncancellable. I’ve been with them for a year now because I don’t know what to do but just until recently a different processing company stopped by and told me they can offer lower effective rate and told me whatever Elitepay global did to me was fraud with high equipment cost. He told me to send a letter to Elitepay to cancel the contract and send the equipment back to first data. I really don’t know what to do because I don’t trust any sales person. All they want is your money. Please advise what you would do. Thanks

  30. Ryan

    Elite pay global is a scam. They actually had to change their from prime pay global to elite pay not to long ago. Bc of that very reason. They totally mislead you into signing a 4 yr lease. And then to get out of the lease its a ridiculous buy out. That’s how they get you. You are stuck. I’ve actually looked into a law suite against them. I’ve talked to an attorney where you get as many businesses together and go after them together and go after a settlement. So if anyone is interested let me know bc I really have no way to get intouch with any of the other business owners they have ripped off. Because im sure there are a lot and I’m not the only one.

  31. Kumar

    Elite pay global is a scam to cheat businesses talking about 0% on debit cards. Where they get you is the invalid tin and they keep charging $49 everytime they get a rejection and they say it is the irs that is charging them. have updated severzl times on thier website but no use. Please stay away from this company.

    1. Thanna

      I was reading your review of Elite Pay Global and I am having the exact same problem with them. Did you ever get the charges taken off for the “invalid” TIN? Their customer service gal is a joke and I don’t know what to do.

  32. Jane

    I am actively being recruited as a sales person, but after reading this it doesn’t sound good. The thing is, they won’t even give me some basic training without even signing a huge long contract which basically spells out I will have to pay them if the customer is unhappy and sues them. Hmmm…strange isn’t it that you can’t get info before you have to sign a contract.

    Thanks everyone for the info.

  33. tmehmood

    Their reps r misleading. They claim to be first data people. they are unethical. I wish there is some federal agency where small buisness can file complain against this processor or sue for the rip off this co is bully. Stay away from them. If any body sue them..contact me too. i will be witness against their unethical bus practices. I tried to contact my state atty gnl in mass. She is anti biz any way. Her office would not do any thing. I hope some federal agency will get in future. In the meantime i will suggest to every biz out there, please save yourself from this scavanger.

  34. Tom Jouras

    Never lease equipment. This company takes advantage of uninformed small business owners and explotes them for their benefit. Leased equipment to a restaurant owner for $349.00 per month for 48 months. Totaling $16,752.00. If the equipment had been purchased, it was less than $300.00. Stay away from this company. Big Rip-Off!!

  35. jeremy

    be careful with the credit card sale person, they close their conscience to make money to cheat honest person, to set up those who has know little English, i was cheated by a sale person name “John Jahant” now living Holland, OH their company’s name is Elite Pay Globle, he made me sign the 4 years non-cancelled leased equipment contract by using a lot lies, I hope this will help the people who did not sign the contract like this

  36. Former ElitePay Global Agent

    I recently quit ElitePay Global as a sales agent. The company lures agents in by offering hotels to travel all around the country and making a ton of money from selling for them. Agents are taught that there are only 3 rates that merchants have to worry about 0% Debit with a pin, 1% Credit, and 1.49% Moto and an “occasional” 2.99% on “non-qualified cards.” Agents are trained and told that the merchants lease equipment for 48 months and in exchange they will receive the rate just mentioned that “are bought down, and cannot change throughout the 48 months” We are told not to leave our phone numbers with merchants because agents are hired to sell and customer service is hired to handle customer service. Come to find out, they don’t want merchants being able to contact them because if they hire someone like myself with morals, they know the truth. There are other fees that are charged monthly even though we show a contract that marks 8 boxes “no” to certain fees. They have 90 days to keep merchants happy, so they set the merchants up with enhanced (bill back) processing. This makes the rates and fees look attractive for the first few months until your 90 days are up for them to receive a possible chargeback from First Data. They are now using Nothern Leasing now because Northern doesn’t do the 90 day process. ElitePay lies to the agents about the funding amounts of a lease and short changes their own employees. The recap sheet they give in an in-house hand-written one, NOT the original from First Data or Northern Leasing. The owners are making pure profit and not sharing the residuals from the processing side with their employees and in addition making a killing off of the leases. You are not left with any paperwork that you sign, and are told that you will be e-mailed the contracts when everything is final. The key thing to look at and research is the DOWNGRADE SURCHARGE of 2.99% I didn’t really know what that was until after I stopped selling for them. In addition, there is a 32 page addendum that I’ve never seen from them, and I’m sure the majority of merchants have never seen as well. If you want to deal with a headache and a company that doesn’t fully disclose and misleads their customers, go with them!

  37. James

    Not certain of other sales reps, but the one I had dealt with in the New York City area made a few misrepresentations. Basically, the rep tries to get you to lease the terminal for 48 months and infers that the cost of it is included in the monthly interchange fee. Its not and has nothing to do with the interchange rates that you will get. Two $500 terminals for $199.00 a month for 48 months = $9,552.00.

    Also, even though they claimed and noted on the contract that the rate is a flat rate for all transactions, its not. Any kind of rewards cards will fall into the “highest risk” cards and those transactions are non-qualified which means I get the highest rate 2.99%. Most cards these days are rewards cards.

  38. K. M.

    I started using Elite Pay Global (with First Data) in Feb 2013 – I have been complaining since I got my first statement March 5. Their rep did an analysis of my statements, said our Moto Rate would be 1.49% and with the lease they would save me $400/month. With the lease (which I didn’t have before) I am paying over 3%, and it is costing me over $1000/month more. Their customer service is awful, they don’t get back to timely ever. The Sales rep isn’t allowed to assist you, once the deal is closed and you have started using the equipment. They suggested I change programs, saying it would save me money, but this did not help either. Their contract provides a guarantee to meet or beat the completion, and they have not fulfilled that guarantee. I went back to my previous processor because I am paying around 2.2% with them – I also have been discouraged with all the extra monthly and annual fees.

    1. Kristina MacLean

      I got out of the processing contract by complaining every day, till they were tired of me – I made and submitted spreadsheets of what I was charged by my old processor, and what they charged me and proved I was paying over $1000/more/month. I have not been successful in getting out of the lease with First Data though.

  39. f

    ElitePay Global is committing fraud by misrepresenting their abilities and then lying at every turn. They have recently stolen money out of our account, calling it fees for non-processing. However, I never processed with Elite Pay due to their own technical inability. When I asked for detail information about where these fees are in the contract I get no answer. When I am asked to be transferred to the owners I was told to contact their attorney. They would not give me the number of the attorney an then hung up on. I would recommend that anyone having problems with Elite Pay send a complaint to the FTC and the Nevada attorney general so they get on someone’s radar for committing fraud.

  40. Chris

    Was shown how I can save money and when bill finally came it was more then double what they told me , now I have this NON CANCELLATION CONTRACT for the equipment , called to complain about the rate and was told they are going to put it in for a review, still waiting. Called leasing company , Worthless. Elite Pay Global WORTHLESS. DONT SIGN

  41. Steve M.

    Don’t do business with Elite Pay Global, the fee may look good at first, but you will regret it later on. I been with them for 6 month and they keep bringing up new fee every month not listed in the contract, I been charge with new fee for 6 month in a row. First month was extra $10 per month fee, then second month was $150 annual fee, third month was $15 access fee per month, fourth month was additional $15 per month, 5th month $7 per month and 6th month was $30 annual fee. So i’m paying extra $10+15+15+7 so that $47 extra per month plus $150 and $30 in annual fee. I’m sure they will hit me with another monthly fee next month. I’m closing down my account with Elite Pay Global since it costing me more than my existing merchant account with bank of america. Now I’m stuck with a lease with first data after I closed my account. So my advice is not to do business with them, you will regret later on like me. If you must do business with them, I suggest you not sign a lease and buy the credit card machine outright, that way you can get out anytime.

  42. Earl Coffman

    After reviewing my credit card processor charges., I was told about how much money they will save me. All I got was more charges and a lease on a terminal. Not a credible company. Beware

  43. Tom Jouras

    WARNING: Do not do business with this company! I am a First Data independent sales agent and have never seen such poor business practices from a processor like ElitePay Global. I reviewed one of their merchant statements recently and found it very concerning.

    From suspicous rates and fees to inacurrate reporting. In addition, they leased one terminal and one pin pad to a restaurant owner for $370 per month for 48 months. If you do the math, that is $17,760 for the length of the contract. The retail cost of this equipment is only about $400 total.

    Stay away from this processor!! They are not acting in good faith nor are they acting in the best interests of the merchant.

  44. S

    ELITEPAY Global, They told me all lies and pulled me into the contract and now they are saying you signed the contract and if you want to cancel your contract you should pay $22K.
    Its all lies and hook you into NON CANCELLATION CONTRACT. sales rep will never get into contact after we signt he contract. ELITEPAY GLOBAL IS ALL FRAUD. Please dont do any business with these guys.

  45. Robert S.


    How much research have you done on this company, ElitePay Global? When I researched the company, the BBB Name that comes up is: International Payment Services LLC. The numbers listed on the BBB website are all inactive. When going to the company website there are no phone numbers or company address listed for contact info. The company call center and base of operations is actually in Salt Lake City UT (Call Center) and not in Henderson NV. When looking over their merchant contract and calling the CS # listed on it, the CS team said that the company name was PrimePay Global and gave the same number listed on the BBB website for International Payment Services. PrimePay Global is a now defunct company based in Midvale UT. YP.com shows both companies when you type in ElitePay Global and also lists a phone number for ElitePay Global that of course doesn’t work.

    Why was this information about the BBB left out of your article?

    1. User Phillip Parker Post author


      The current review for ElitePay Global is what we call a “Preliminary Review.” It covers only the most basic information about the company and any complaints associated with that particular business name. We wait a few months to allow merchants like yourself to leave reviews and feedback about the company before we dig deeper into its business practices, update it into a “Full Review,” and assign a rating. It’s not uncommon for information to change on the BBB website after our review was written, or for a company to change locations.

  46. michael wyatt

    elite pay global’s credit card processing is a sham. they send out salespeople to give unattainable results. salesman does an analysis & shows you savings. they then put you into a contract for the equipment & do not even come close to the numbers that the salesman uses to lure you in. when you contact their customer service they tell you that a manager has adjusted your account and you’ll have to wait till that statsment comesin to see the difference. when that promise turns into a lie they will tell you that they are reviewing your account & never call you back. my suggestion to anyone thinking of doing buisiness with elite pay global is too run from them [ they have no conscience]

  47. Liz

    Elite Pay Global sells its services under false representations! They make it sound so easy and inexpensive but in reality you end up paying 5 times more for merchant fees. Stay away!!!

    1. User Phillip Parker Post author

      Hi Liz, can you elaborate on the how the fees were more than what you were quoted?

  48. Tech Auto

    ElitePay Global uses unethical and misleading sales tactics taking davantage of small businesses. They will cross the business ethics and morals line at every opportunity. Their staff uses illegal bullying tactics to force compliance when IN FACT a business has recourse to get out of a contract – grace period. Avoid this company at all costs. They are beyond unethical.

    1. User Phillip Parker Post author

      Hi Tech Auto,

      Can you provide a first hand account of your experience? Details of what happened to you can be helpful to other merchants. Thanks!

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