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eMerchant Credit Card Processing 2023: Reviews & Complaints
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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.
Before we dive in, here’s a short summary of what we’ll cover:
- eMerchant, Inc.’s various payment processing services.
- eMerchant, Inc. has few public complaints, and many of the complaints attributed to it are meant for a company with a similar name.
- eMerchant, Inc.’s contract has some expensive terms but is overall competitive.
eMerchant, Inc. Payment Processing
eMerchant, Inc. processes all major debit and credit cards for most business types. Their services include POS solutions, EMV card readers and swipers, access to virtual terminals and payment gateways (including their own), business loans, and fraud prevention.
Location & 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 TransFirst, Moneris, and Redwood merchant account contracts. The company is headquartered at 78 Discovery Irvine, CA 92618, and is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio 45263. Bill DuMont is the president and CEO of Merchant.
Table of Contents
- Costs & Contract: Offers variable contract terms through…
- Complaints & Service: Complaints number fewer than 10 on public complaints forums.
- BBB Rating: Has a “B” rating with the Better Business Bureau and has received…
- Sales & Marketing: Does not appear to hire independent sales representatives and has not…
eMerchant, Inc. Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
We are currently able to locate only a few eMerchant reviews, and none of these outright accuse the company of being a scam operation or a ripoff. Three of the eMerchant reviews cite undisclosed and excessive fees, and the problems are not limited to any one contract offered by the company. One Merchant complaint, filed in February 2013, was ultimately retracted and did not contain specific information about the client’s issue in the first place. If you have an eMerchant review to make of your own, please let us know in the comments below.
eMerchant Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against eMerchant. Dissatisfied clients 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.
eMerchant Customer Service Numbers
- (866) 979-0260 – Toll-Free Customer Service
- (714) 223-0260 – Local Office
- (866) 453-2060 – Customer Service Fax
- (815) 425-8800 – Sales Fax
Other Support Options
eMerchant, Inc. Online Ratings
Here's How They Rate Online
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.
Rising Complaint Total
eMerchant is showing a “B” with the BBB and is not accredited. The company is showing 1 complaint over the last 36 months. The 1 complaint was resolved to the dissatisfaction of the merchant or received no final response.
What Merchants Say
eMerchant has also received 1 informal review on their BBB profile. The 1 review is negative in tone. The latest review that was negative in tone describes hidden fees:
If I could out 0 I would. This company is a scam. DO NOT do business with this company, They are a 3rd party scam! Pronised for $9.l99 a month I would get 0.5% fees. After 1st transaction they charged me $602.39 in fees plus .05% fee tpo process. Spoke to “Rudy” and his boss. They assured me they would refund the fees. After a week of their running me in circles I went to my bank to stop payment. They LIED and sid they never told me it would be $9.99 a month. Buyers beware do not do dusiness with this company.
Businesses in this situation can benefit from learning how to cancel their accounts without paying a fee.
A “C” Performance Overall
In light of the company’s moderate complaint volume and resolution ratio, we have adjusted the BBB’s rating to a “C.”
eMerchant, Inc. Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Processing Rates||1.00% - 4.99%|
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 businesses to make limited comparisons between the three options. One eMerchancontract, 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 contract is a three-year agreement with an automatic renewal for successive one-year terms unless the client 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 client has fewer than 12 months remaining in the contract, the ETF is $250. If the client 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 eMerchant fee schedule that will be provided to the business.
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. Client 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 to advertising 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 setup 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 clients. 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, businesses should assume that the company offers a range of options that could potentially compete with the cheapest merchant accounts.
We also encourage readers to check out our list of the providers of the best merchant accounts.
eMerchant, Inc. Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||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 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.
This compares favorably to our list of best credit card processors.
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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