eMerchant Credit Card Processing 2023: Reviews & Complaints

full star full star full star full star empty star

How did they treat you? ▼

Company Overview

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, 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 TransFirstMoneris, 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.

eMerchant, Inc. 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

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

Online Ratings Summary
BBB Reports 2

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

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Likely

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?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing 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.

Our eMerchant, Inc. Review Summary

Our Final Thoughts

eMerchant rates as a reliable credit card processing 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. Readers 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.

If you found this article helpful, please share it!

Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did eMerchant, Inc. Treat You?

13 User Reviews

  • Ian Struckhoff

    The Fourth Place

    Like others posting here, I experienced an unethical and probably illegal bait and switch from eMerchant Authority.

    They list the Star Micronics MPOP on their website “In Stock” for $479, with no terms requiring any further purchase.

    The next business day, they called and said they can’t make the product available to me, unless I sign up for merchant services with them. Listing a price they won’t honor is a clear bait and switch tactic, unethical and probably illegal.

    They should honor the orders their have received, and if they only want to sell hardware to their services customers then that should clearly be explained in the terms on their website.

  • William Dumont


    Deborah- I’m sorry, but you have the wrong eMerchant. We have never had any employees named Derek. I’m aware of another eMerchant that claims to be a Shopify guru, but I don’t think it’s right for me to state their name as a competitor. We are eMerchant.com. Bill

  • David Shempert

    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.

    • William Dumont


      David- I’m sorry you had a bad experience, but you have the wrong eMerchant company. We have no record of your name in our system. We also don’t have anyone with those names working for us. We do have a Paul now as of Dec 2021. eMerchant is a generic name in the industry and unfortunately we get confused with other eMerchant companies that use our name. We are the original since 2002 and value each and every merchant we have had/have with us. Your bad experience wasn’t us. Bill

      • Jerome Risby

        Tech Express

        Dear Mr. Dumont,

        Jerome Risby with Tech Express Mobile, you can find our account with the names. On or around, March 08, 2022, we phoned your offices after reviewing and researching several merchant Service providers. By April 10, 2022, we had received the MID file. Throughout the process of “Getting Approved,” we continued utilizing our square processor which we have been with since their founding.

        Our purpose of setting up another processor was to handle our Service scheduling flow whereby, customers could land at our website via Google, Facebook, and a host of other sites and select make Appointment, Pick date and time, enter their billing/contact info, enter their vehicles and repair info and pay a small deposit and then the technician would arrive on the date of their choosing.

        I have performed this same business prior to your company’s existence, providing onsite Service and repairs for everything from automobiles, motorcycles, RVs, yachts jet-ski, and john deer tractors (Craigslist.org added a new category because of tireless advertising Tech Express). As you can imagine, the quantity and the diversity of customer variations would astound many, and the same can be said for merchant processors.

        Along with customers, and merchant processors we have been burned for 1000, hence the reason for the deposit at the time of scheduling. So, in bringing this note of caution full circle, and right back to your company, after waiting a month for your system to go live, and providing your personnel with bank statements, the very first transaction processed by Bank and eMerchant Service.Inc Inc. was flagged, held and your “Risk Department” requested “proof” the cardholder actually approved the charge.

        If your “risk department” was operating correctly, they could see from the sight that the charge was customer-generated, and now after a month that the transaction has not been disputed, and Bank and eMerchant Service.Inc is now subtracting, gateway fees, monthly fees, ach return fees, on funds your company flagged with a request for verification is clearly out of compliance. This was what is known as Racketeering, you people are likely to get reported to the FTC and FBI for this kind of practice.

        Upon further review, the law offices found with regards to eMerchants Service Inc. “Merchant Agreement” 8 pages in a (3) point font, finds you’re in breach of the performance of the contract, and nullifies the Merchant’s Agreement, dated, 04/07/22, and all your purported inseverable authorizations, as attached to the agreement, authorizing for Bank and eMerchant Service.Inc to open accounts without consent and/or “GRANTS BANK AND EMS SECURITY INTREST IN AND TO ALL DEPOSITS, REGARDLESS OF SOURCE TO ANY AND ALL GRANTORS DEPOSITS OR PROCEEDS OF SAID DEPOSITS, and interest that survive upon the termination of this Agreement”.

        Bank and eMerchant Service.Inc is exposed to Civil Tort Action, and as outlined the past listed Federal Case, FTC Matter/File Number 132 3240 X140042; Civil Action Number 2:14-cv-00896-GMN-VCF.

        Your company is risky, and subversive, and was ready to release some 3000 folks who are to file small claims actions on Bank and eMerchant Service.Inc employees and brokers for damages as participants in this scheme to defraud small businesses during a pandemic.

        Please email, Jerome Risby at Tech Express for resolution and take Notice, this a public notice, by Jerome Risby, inclusive of, the company named, Tech Express’s, by Jerome Risby, the rescission and/or desolation of any accounts, associations, relationships, obligations, or any associates or affiliates and the unilaterally cancelation of any such performance thereof, due under Bank and eMerchant Service.Inc Merchant Agreement, dated April 6, 2022 or April 7, 2022 for material breach of the above cite agreement.

        Jerome Risby
        [email protected]
        [email protected]
        Tech Express Mobile Srvc
        Your Pick the Date and Time,
        Schedule Online 24/7

  • Carmen Basu

    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.

  • Joseph Benfatti

    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

  • Richard Lococo

    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.

  • Bill P

    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.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. Required fields are marked *

Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2024 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.