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EMC2 Billing Review: Fees, Complaints, Comparisons, & Lawsuits

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Rating

5/5
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Serving Standard and High-Risk Merchant Accounts

Founded in 2005, EMC2 Billing, (formerly known as EMC Payments), is a merchant account provider that specializes in card-not-present, high-risk, and international payment processing. The company is based in the United States but claims to have established operations in Germany and England in order to better serve European merchants.

EMC2 Billing Payment Processing

EMC2 Billing processes all major debit and credit cards for high-risk businesses. Their services are not listed on their website, but it is likely they provide e-commerce solutions.

EMC2 Billing Location and Ownership

EMC2 Billing is headquartered at 20058 Ventura Blvd. #199, Woodland Hills, California 91364, and does not publicly list its banking partners. Greg Berard is the CEO of the company.

EMC2 Billing Review Table of Contents

  • Costs & Contract: EMC2 Billing offers variable pricing according to each merchant’s business type, location, and processing history.
  • Complaints & Service: EMC2 Billing complaints number fewer than 10 on public complaints forums.
  • BBB Rating: EMC2 Billing currently has no rating with the Better Business Bureau and has received 0 complaints in the last three years.
  • Sales & Marketing: EMC2 Billing does not appear to hire independent sales agents and has not received any complaints about its sales practices.

Is the BBB Rating for EMC2 Billing Accurate?

Better Business Bureau Profile

see which processors will offer you the lowest pricing and best service
see who will offer you the lowest pricing and best service

No BBB Complaints

EMC2 Billing is listed with the Better Business Bureau as “EMC2 Billing” and has not been accredited business by the Better Business Bureau. As of this review, the company has no rating with the BBB and has not had any complaints filed against it in the last 36 months.

An “A” Performance Overall

Given the company’s clean complaint record and resolution ratio, we agree with the BBB’s rating. Merchants should still be aware that there are good reasons to be skeptical of the BBB’s reviews.

How Expensive is EMC2 Billing?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost Summary

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

EMC2 Billing Contract Terms

There is no publicly available information about the standard EMC2 Billing contract at this time. As a high-risk specialist, it is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s focus on e-commerce merchants strongly reduces the odds that it sells long-term equipment leases.

High Risk, High Fees

Merchants in traditionally high-risk sectors often pose a higher level of financial risk to payment processors, who in turn charge higher fees to justify their elevated risk exposure. For this reason, high-risk merchants who sign up with EMC2 Billing should be prepared to pay higher-than-average per-transaction fees. High-risk merchant accounts often come with other considerations such as cash reserves and aggressive fraud mitigation policies to reduce exposure to chargebacks.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific terms. Due to the company’s high-risk focus, it is unlikely that EMC2 Billing’s contract terms are competitive with the cheapest merchant accounts. If you have any knowledge of the standard EMC2 Billing contract, please leave that information in the comment section of this review.

We also encourage merchants to check out our list of the providers of the best merchant services.

Does EMC2 Billing Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

In-House Sales Team

EMC2 Billing appears to rely on its in-house sales team and traditional advertising to market its services. There is no evidence at this time indicating that the company employs independent sales agents, and we are unable to locate any EMC2 Billing complaints that report unethical behavior by the company’s sales staff.

This compares favorably to our list of best credit card processors.

No Misleading Quotes

EMC2 Billing does not appear to engage in any deceptive advertising strategies in its official materials. In fact, its website provides a limited amount of information overall, which is likely due to its focus on international and high-risk clients. If you suspect that EMC2 Billing is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Does EMC2 Billing Deserve Your Business?

Review Summary & Our Thoughts

Solid Option for High Risk Merchants

According to all available information, EMC2 Billing rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, and it is possible that the company’s rating will change once more becomes known. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated high-risk merchant accounts.

5-Star Rated EMC2 Billing Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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