EmeraldPay Card Processing Reviews & Complaints

EmeraldPay logo
Overall Score
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How did they treat you?
Pros and Cons
Pros: Cons:
Partners with reputable Clover®. Limited contract information public.
Few complaints online. Cancellation penalties present.
Offers live customer support. Monthly and annual fees.
Provides various processing solutions. Variable processing rates.
Cash Discount Program available. Equipment leasing likely.


In this review of EmeraldPay, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will understand whether EmeraldPay meets your payment processing needs.

About EmeraldPay Card Processing

Founded in 2009, EmeraldPay (formerly Emerald Business Solutions) is a merchant account provider serving retail, internet, and mobile merchants. The credit card processor is “powered by” First Data (now Fiserv), which means that it resells the products and processing services of First Data (Fiserv), including Clover as a POS system.

EmeraldPay Products and Services

Payment Processing

EmeraldPay offers processing services for most major debit and credit cards, catering to a variety of business types. Their services encompass the Clover POS system and mobile solutions, EMV readers, card swipers, and Mail Order/Telephone Order (MOTO) capabilities. They also provide cash advance options and support for the Payeezy, eProcessing network, and Authorize.Net payment gateways.

Emerald Business Solutions
EmeraldPay offers most standard payment processing services

EmeraldPay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

EmeraldPay’s Customer Feedback Overview

As of our latest research, no EmeraldPay reviews label the company as a scam or ripoff. However, we discovered a Google review mentioning excessive fees and continued billing post-account cancellation. The scarcity of complaints on various non-BBB consumer protection sites suggests that EmeraldPay likely maintains a proactive and effective customer support team. We invite those with personal experiences to share their EmeraldPay reviews in the comments below to assist others in making informed decisions.

Legal and Regulatory Status of EmeraldPay

Our investigation reveals no active class-action lawsuits or Federal Trade Commission (FTC) complaints against EmeraldPay. Customers seeking alternatives to legal action are encouraged to report their experiences with the company to appropriate supervisory organizations for resolution.

EmeraldPay Customer Support Accessibility

EmeraldPay, being a First Data (Fiserv) reseller, lists a single contact number for customer support on its website. It’s plausible that a significant portion of customer service operations is managed by First Data (Fiserv), which may lead to them receiving most related complaints. This relationship is a factor in EmeraldPay not being included in our list of top-rated merchant account providers for exceptional customer service.

Contacting EmeraldPay Customer Service

  • 24/7 Customer Support: 888-593-0096

Additional Ways to Connect with EmeraldPay

  • Chat support for quick queries
  • Online support form for detailed assistance
  • Email support at [email protected] for direct inquiries

With these varied support options, EmeraldPay aims to cater to a broad range of customer needs, from urgent assistance to detailed queries, enhancing the overall user experience.

EmeraldPay Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No BBB Complaints

EmeraldPay currently has no rating from the Better Business Bureau and is not BBB-accredited. Within the last 3 years, the company has received 0 complaints. EmeraldPay has also not received any informal reviews on its BBB profile.

An “A” Performance

In light of the company’s clean complaint record, we agree with the BBB’s rating at this time. Readers should note, however, that there is cause to be skeptical of the BBB’s rating system.

EmeraldPay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Likely

EmeraldPay Contract Terms

Currently, there is limited information available to the public about the standard terms of the EmeraldPay contract. A client complaint highlighted a $500 early termination fee, which was also acknowledged in the company’s response, aligning with the practices of other First Data (Fiserv) resellers. Commonly, contracts offered by First Data (Fiserv) include a swipe rate of 2.69% plus $0.19 per transaction and a keyed-in rate of 3.69% + $0.19, in addition to a monthly PCI compliance fee of $19.95. Nonetheless, as a reseller, EmeraldPay may modify these terms. Additionally, there are indications that EBS engages in selling long-term, non-cancellable equipment leases through First Data Global Leasing.

Virtual Terminal and Payment Gateway Pricing

EmeraldPay promotes its virtual terminal and payment gateway solutions as part of its e-commerce services. The company offers gateway options such as Authorize.Net, eProcessing Network, and Payeezy. The pricing for these services varies depending on the selected gateway and may include additional rates and fees, such as gateway fees, technical support fees, batch fees, and extra transaction charges.

Satisfaction with Contract Pricing

Despite limited complaints about its contract terms, it remains uncertain how EmeraldPay’s offerings compare to the most affordable merchant accounts available. The lack of widespread dissatisfaction suggests that many clients find their services acceptable. We encourage individuals with detailed knowledge about EmeraldPay’s standard contract, including any PCI compliance fees or monthly minimums, to share their insights in the comments section of this review.

Emerald Business Solutions payment gateways
EmeraldPay provides a selection of payment gateway options.

EmeraldPay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Possible
Misleading Marketing No
Discloses All Important Terms No

Outside Sales Partner Program

EmeraldPay appears to utilize referral programs and independent sales agents to market its services. The use of independent sales agents is often linked to high complaint volumes among clients since outside agents generally don’t receive much training or oversight. In the case of EmeraldPay, though, this does not seem to be a widespread problem.

Lone Sales Complaint

We have previously located only one EmeraldPay review that describes the misrepresentation of rates by an EBS sales rep, and this lone incident occurred in 2012. In this case, the client claimed that a sales representative provided an inaccurate rate comparison that resulted in increased fees after switching. To its credit, the company does not engage in any deceptive rate quoting in its official materials. If you suspect that EmeraldPay is charging you undisclosed fees, we recommend a third-party statement audit to eliminate hidden charges.

Our EmeraldPay Review Summary

Our Final Thoughts

EmeraldPay is considered a trustworthy merchant credit card processing provider according to our criteria. While information on the company’s contract terms is limited, the consistently low volume of complaints across consumer protection websites bodes well for its reliability. Current indications suggest that EmeraldPay predominantly employs tiered rate pricing, may impose early termination fees, and may market non-cancellable equipment leases. However, the scarcity of complaints hints that such contract terms might be exceptions rather than standard practice.

Despite the positive feedback, we urge prospective clients to thoroughly scrutinize any contract terms before committing and to compare EmeraldPay’s pricing with the industry’s leading merchant account providers. Taking this proactive approach can help businesses ensure they receive the most favorable pricing and terms available for their unique needs, ultimately fostering a seamless and advantageous processing experience.

Location & Ownership

EBS was previously based in Memphis, Tennessee, but is now headquartered at 1420 Celebration Blvd, Suite 200, Celebration, Florida 34747-4650. Emerald Business Solutions, LLC, is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Jennifer Kelly is listed as a managing member of the company and Christoper Kelly is listed as president.

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Testimonials & Complaints

How Did EmeraldPay Treat You?

4 User Reviews

Tell Us How They Treated You

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