eMerchant, Inc. Overview

eMerchant, Inc. May Have Overcharged You

If you accepted credit cards through eMerchant, Inc. or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

Possible Name Confusion

eMerchant, Inc. should not be confused with GoEmerchant or eMerchantBroker, both of which are separate, unrelated providers of merchant services. Additionally, eMerchant appears to be frequently mistaken for two other companies called Emerchant Middleman LLC and E Merchant Club. Emerchant Middleman is a lead generation service that has received numerous public complaints. E Merchant Club appears to be some kind of catch-all e-commerce solution, and it may also go by the name of Specialty Merchandise Corporation (SMC). There is no indication at this time that eMerchant is or has ever been affiliated with these 2 entities.

eMerchant Location and Ownership

eMerchant is an Irvine, California-based merchant account provider that specializes in e-commerce solutions but also sells products for brick-and-mortar businesses. Founded in 2002, eMerchant is a reseller of TransFirstMoneris, and Redwood merchant account contracts. The company is headquartered at 20 Corporate Park #240, Irvine, CA, and is a registered ISO/MSP of Fifth Third Bank, 38 Fountain Square Plaza, Cincinnati, Ohio 45263. Bill DuMont is the president and CEO of eMerchant.

eMerchant Review Table of Contents

  • Costs & Contract: eMerchant offers variable contract terms through Moneris, TransFirst, and Redwood.
  • Complaints & Service: eMerchant has received fewer than 10 public complaints.
  • BBB Rating: eMerchant has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: eMerchant does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With eMerchant
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Wholesale
  • Service industry
  • Non-profit

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eMerchant, Inc. Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Up to $25 Per Month
Payment Gateway Set Up Fee Up to $100
Early Termination Fee Up To $500
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Three Different Contracts

eMerchant appears to sell merchant accounts through three different processors. The company’s website includes PDF copies of its contracts, which allows merchants to make limited comparisons between the three options. One contract, which seems to have been through 1st NationalProcessing/iPayment, is no longer linked on the eMerchant site. We will therefore assume for now that the two companies are not currently affiliated.

eMerchant’s TransFirst Contract

eMerchant’s TransFirst contact is a three-year agreement with an automatic renewal for successive one-year terms unless the merchant cancels at least 90 days before the end of the initial term. This agreement also includes an early termination fee (ETF) that is calculated in two different ways. If the merchant has fewer than 12 months remaining in the contract, the ETF is $250. If the merchant has more than 12 months remaining in the contract, the ETF is $500. The processing fees and additional fees for this agreement are not made clear in the contract, but can instead be found on an attached fee schedule that will be provided to the merchant.

eMerchant’s Moneris Contract

eMerchant’s Moneris Solutions contract (available below) is a one-year agreement that automatically renews on the one-year anniversary of its initiation. The contract provided describes that an early termination fee may be involved, but an exact amount for this fee is only available in a separate document. Online merchant complaints indicate that there may be an ETF of $159 and a $99 annual fee associated with this contract. See eMerchant’s Moneris Agreement.

eMerchant’s Redwood Contract

eMerchant’s Redwood contract (available below) is an agreement of indefinite length that may be terminated at any time with 30 days’ notice, but merchants who cancel in the first 24 months will be assessed an early termination fee of $295. There is possibly a monthly minimum fee associated with this account as well. See eMerchant’s Redwood Merchant Services Agreement.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, eMerchant also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. The company advertises its partnerships with eMerchant Gateway, USAePay, Authorize.Net, PayFlow Pro, and eProcessing Network for these services. As a reseller of these services, eMerchant reserves the right to alter the pricing of these payment gateway providers.

As a point of reference, Authorize.Net imposes a rate of 2.9% plus $0.30 for transactions made through virtual terminals its gateway serves while charging a gateway fee of $25 per month. USAePay charges a set up fee of up to $100. However, pricing on either of those services is not disclosed. Meanwhile, eProcessing Network charges an additional $0.05 per transaction as its gateway fee. In all, rates and fees for eMerchant’s e-commerce options vary greatly. Additional rates and fees, including technical support fees, batch fees, and additional transaction rates typically apply to these services as well.

Other Fees May Apply

Although these documents are informative with regard to the company’s contract lengths and termination fees, it remains unclear whether and how eMerchant enforces PCI Compliance fees, monthly minimum fees, statement fees, or other potential costs. Additionally, it is unknown whether eMerchant provides interchange-plus pricing to all of its merchants. If you have any information regarding the standard costs of doing business with eMerchant, please share that knowledge in the comment section of this review. For now, merchants should assume that the company offers a range of options that could potentially compete with the cheapest merchant accounts.

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eMerchant, Inc. Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

We are currently able to locate only four eMerchant complaints, and none of these outright accuse the company of being a scam operation or a ripoff. Three of the complaints cite undisclosed and excessive fees, and the problems are not limited to any one contract offered by the company. One complaint, filed in February 2013, was ultimately retracted and did not contain specific information about the merchant’s issue in the first place.

eMerchant Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against eMerchant. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

eMerchant Customer Support Options

eMerchant offers live phone support and a dedicated support email address and is not showing any negative reviews regarding its customer service. Given its low complaint rate and efforts to fully disclose its terms, we have awarded eMerchant an “A” rating in this category. However, the company’s options and performance do not earn it a place among the top-rated merchant accounts for great customer service at this time.

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Response from eMerchant, Inc.

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eMerchant, Inc. BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

eMerchant currently has an “A+” rating with the Better Business Bureau and is not showing accreditation. The company has received 0 complaints in the past 36 months, although it should be noted that its BBB profile was temporarily removed following the shutdown of the BBB‘s Los Angeles-area branch. This may have resulted in eMerchant receiving a “clean slate” from roughly March of 2013 onward. eMerchant also has not received any informal reviews to its BBB profile.

An “A” Performance

eMerchant’s performance is enough to earn it an “A” in this category for the time being. However, merchants should be aware that there are good reasons to be skeptical of the BBB’s rating system.

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Response from eMerchant, Inc.

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Truth In Marketing & Advertising

Key Points

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

Inside Sales Team

eMerchant appears to market its services primarily through strategic partnerships and through its website. There is no evidence that the company utilizes independent sales agents to sell its services, and we are currently unable to locate any eMerchant negative reviews that describe unethical conduct by the company’s sales team. The eMerchant website is exceptionally transparent, as it includes copies of all of the company’s merchant contracts and even promotes interchange-plus pricing.

No Deceptive Quotes

There are no deceptive rates or misleading promotions in eMerchant’s official materials, but the company’s website does not list specific pricing tiers for its services. If you believe that eMerchant has misrepresented its pricing to you, we recommend seeking a third-party statement audit to investigate your suspicions.

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Response from eMerchant, Inc.

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eMerchant, Inc. Marketing Example

eMerchant Logo

Our Opinion of eMerchant, Inc.

A Solid Option for Most Merchants

eMerchant rates as a reliable merchant services provider due to its low complaint rate and transparently listed contract terms. The few complaints about the company do mention potential issues with its pricing, but it’s unclear at this time how much of this is attributable to eMerchant’s policies. Merchants are encouraged to compare eMerchant’s e-commerce products with those offered by top-rated e-commerce merchant account providers in order to obtain the best deal.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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9 Reviews Leave Your Review for eMerchant, Inc. Below

  1. This company is an example of bait-and-switch when it comes to merchant processors / credit card processing. They promised this seamless process and now I’m stuck without any equipment, several merchant accounts that are trying to charge me monthly fees for merchant accounts and processing that I’ve never been able to use. They put my information through to several banks and that resulted in MULTIPLE HARD CREDIT INQUIRY/PULLS. I’ve worked with several people here Ore, Paul and others. I have to constantly fight for updates and they just let weeks go by with no communication. I’m literally appalled at this company and the way that they handle business. I gave ample time for my accounts to be opened and equipment sent to me but as it stands it’s been since September 4th, 2019 until now October 8th and I have nothing, no equipment but have companies like Authorize.net trying to debit my account for monthly fees that I never agreed to and certainly wouldn’t pay if I never got any equipment to process cards. I reached out several times and asked for resolutions to these issues and kept being told that they’d handle things and overnight my equipment but at this point there’s really no excuse why things weren’t done right in the first place. If you have a chance to go with any other company do that. It appears that this is nothing but a total disappointment all the way around with eMerchant.

  2. Deborah B says:

    Called about an hour and a half ago 9/16/2019 to find out more information about eMerchant. A Shopify Guru recommended eMerchant for the particular eCommerce website I want to create. Called eMerchant and a gentleman with a real cocky attitude answered the phone. I proceeded to ask questions and he starts telling me what to do in this real cocky voice. Didn’t feel comfortable with him from the moment he answered the phone. Perhaps he felt eMerchant is the only merchant processing company. News flash buddy you have tons of competition and I only contacted eMerchant because of the Shopify guru’s recommendation. I call back and he immediately hangs up on me. Found another 800 number and called back a third time. This time Derek answered the phone. When he answered I could hear someone in the background…sure it was Mr. Cocky. I tell Derek why i’m calling and he proceeds to ask my name, my email address, etc…he then states I
    we just partnered with Square. Let me gather some information to email you in 10 minutes. That was approximately 2 hours ago. Thank you Mr Cocky and Derek… I will definitely take my business elsewhere to a Merchant processing company who cares…Derek a word of advice don’t be a follower especially when it comes to Mr. Cocky and his rude behavior. You listen to him and lost a potential customer. D


    This post will help: Best E-Commerce Merchant Account Providers

    -Phillip

  3. Paul says:

    Stay away from this company!! They did not notify us that they were taking $200 out of our account! We have been trying to cancel them for months but they would say we have to finish out the year!! Now they won’t give back a refund in which we will get them for fraud!!!


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

    -Phillip

  4. Carmen Basu says:

    It has been about 3 years since we started services with eMerchant. All I can say is that they offer reliable service, excellent pricing, the quickest and easiest options and great tools.
    eMerchant is allowing us to keep our business running with ease not only for us but for our clients.
    Very thankful to use their services and have peace of mind at the same time.

    1. CPO Admin says:

      Hi Carmen,

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

    2. Carmen Basu says:

      Basu Services
      Costa Mesa, CA

  5. Been with E-merchant INC. for over 5 years and just love the staff and Bill Dumont CEO , Francis Dumont The Office manager . all the long down to the office staff is so friendly and helpful . Really great rates that can’t be beat. Highly recommend their services.
    Resolution Team Member , Tax Relief Systems LLC

  6. I’ve been working with eMerchant for 9 or 10 years now. They handle all my merchant transactions between my company and my clients. The transaction fees are much lower than what I was paying previously with one of the major national banks. The bank said there was no need to search for another Merchant Service Provider because they were the lowest service fees around. I got lucky when I met Bill Dumont and the eMerchant team all those years ago because I’ve saved thousands of dollars in transaction fees since I signed on with them!! I can always count on the eMerchant team to be on hand to help me with any issue that I can’t figure out. I highly recommend this company for any emerchant type of transactions you deal with in your own business.

  7. Bill P says:

    We have been in business since 1987 and they have been the best provider of merchant services that we have used. Their merchant services are top notch primarily because of their exceptional in-house customer service at market or below current processing fees and they offer all of the additional products such as gateways, POS systems and shopping carts. Looking forward to the eMerchant Association where I will be able to network and offer my products throughout the other members in the Association. eMerchant offers it all under one roof! They make me feel like family.

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