EMV Payment Systems Review

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now.

EMV Payment Systems Logo
EMV Payment Systems
Star Full Star Full Star Empty Star Empty Star Empty
EMV Payment Systems

Agree with our rating?
Tell us about your experience with EMV Payment Systems in the comment section below.

Updated 1/24/2019: The EMV Payment Systems website is no longer active, and it appears that it has not been active since early 2016. It appears that EMV Payment Systems is no longer a functioning brand, although its possible affiliate company, Eschelon Merchant Services, remains active. If you have any information about the current status of EMV Payment Systems (including any rebrandings or DBAs), please share that information in the comment section below this review.

EMV Payment Systems (emvpaymentsystems.com & emvmidwest.com) is a merchant account provider with offices in Henderson, Nevada, and Schaumburg, Illinois. The company’s Schaumburg office does business under the name of “EMV Payment Systems Midwest.” The EMV Payment Systems website primarily discusses the upcoming EMV liability shift and the need for business owners to purchase EMV-compatible equipment, but merchants should be aware that the company also supplies merchant accounts in addition to credit card terminals. Unfortunately, the company’s website does not disclose which company will provide the merchant accounts attached to its POS equipment.

The Better Business Bureau lists Daniel Drake as a managing member of EMV Payment Systems, and there is also a Daniel Drake who is listed as the vice president of business at Eschelon Merchant Services in Phoenix, Arizona. There are also two social media profiles that list Phoenix, Arizona, as the location of EMV Payment Systems. As a final consideration, both Eschelon Merchant Services and EMV Payment Systems are the subjects of multiple merchant complaints describing very similar “slamming” tactics, particularly with regard to equipment leased through First Data Global Leasing and Northern Leasing Systems. At this time, the available evidence suggests that Eschelon Merchant Services and EMV Payment Systems may be linked, but potential EMV Payment Systems merchants are encouraged to inquire about the identity of the company that will provide their credit card processing. Both Eschelon and EMV Payment Systems are registered ISO/MSPs of Wells Fargo Bank, N.A., Walnut Creek, California. According to the BBB, EMV Payment Systems is headquartered at 2520 St Rose Parkway, Henderson, Nevada 89074, and the company’s principal is B. Lambert.

these processors announce that they now sync with quickbooks

EMV Payment Systems Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Sales Tactics

There are currently between 10 and 30 negative EMV Payment Systems reviews across various consumer protection websites, with many of these complaints expressing concern that the company is scamming merchants. It is difficult to determine the exact total of complaints filed specifically against this company because telemarketing forums are categorized by telephone number rather than by caller identity. However, it is clear that the most common complaint against EMV Payment Systems has to do with the conduct of its telephone marketing team. Merchants report aggressive sales tactics, nondisclosure of the caller’s identity, and tactics that are consistent with traditional slamming scams. The available complaints appear to be split evenly between the company’s Nevada office and its Illinois office, and there are no official rebuttals from company representatives to be found. Given the company’s complaint volume as well as the content of these merchant reviews, we have assigned it a “C” in this category.

EMV Payment Systems BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

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

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.

EMV Payment Systems is not accredited with the BBB and does not currently have a rating. The company has received four complaints in the past three years, with two of the complaints related to the product or service and two having to do with advertising or sales issues. All of the complaints either were resolved to the dissatisfaction of the complainant or did not receive a final assessment from the complainant. Given the company’s complaint total and resolution ratio, we are assigning a CPO-adjusted grade of “A-” in this category.

in the news apple versus banks

EMV Payment Systems Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
Keyed-in Rate
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

There is very little publicly available information regarding the standard EMV Payment Systems contract at this time. The company does not disclose any of its credit card processing terms or specify the conditions of its equipment leases on its website, and there are no merchant complaints that outline specific rates or fees through the company. Equipment leases are often multiyear agreements with harsh termination penalties, so merchants are encouraged to purchase used terminals upfront whenever possible. For the time being, we have lowered the company’s rating to a “B” in this category due to the possible non-disclosure issues that may emerge as a result of its sales tactics. If you have any specific knowledge of the EMV Payment Systems contract (including any PCI compliance fees or early termination fees), please share that information in the comment section below this review.

EMV Payment Systems Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

EMV Payment Systems utilizes a combination of independent sales agents and telemarketing to market its services. This combination is typically linked to elevated complaint rates among credit card processors, and EMV Payment Systems appears to be no exception. We are currently able to locate numerous complaints filed against the company in the past year (examples here, here, here, and here) that describe persistent, aggressive telephone calls from EMV Payment Systems representatives. Complainants claim that the company calls multiple times after being asked to stop, and that sales representatives are occasionally pushy or rude. More troubling, however, are the complaints that mention “slamming” tactics. Slamming occurs when a merchant account provider pretends to be a merchant’s existing credit card processor in order to sign the merchant up for long-term, non-cancellable contracts under false pretenses. Since EMV Payment Systems primarily markets itself as a POS equipment provider, it is possible that the company is offering equipment leases in these calls. Equipment leases can often include 48-month terms with high monthly fees and harsh termination penalties. Merchants are therefore encouraged to verify the identity of the company that is calling whenever possible.

EMV Payment Systems Review Summary

Our Final Thoughts and Opinions

EMV Payment Systems rates as an average merchant account provider according to our rating criteria. The company is receiving some serious complaints related to its sales tactics, and there is very little concrete information available regarding its corporate structure or its contract terms. Merchants are encouraged to ask about any contract terms that are initially confusing or unclear.

If you found this article helpful, please share it!

EMV Payment Systems Competitors

Compare Quotes From These Processors

Customer & Employee Reviews

What Others Are Saying About EMV Payment Systems

Leave a reply

Your email address will not be published. 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

4 Responses

  • Alex Marruffo

    Representative took $500.00 as a set up fee, which was not supposed to be paid. He said we would get a refund / credit later. Never happened, the main office had no idea what this was. Also, altered contract for the Credit Card scanner to charge for 2 machines, when we had agreed only on one. This is a non cancellation, no change contract which is now just a waste of money. Very shady business practices.

  • Constance

    This company is a joke,I applied and was hired. first of all there ad is on Craigslist and have a hiring bonus of a 1000.00 dollars. They never brought it up in interview or there 1day training class.11.00 an hour,only if your there 2wks without quitting or getting terminated,then you go to minimal wage.which works for them,being after training you can’t get the floor managers to coach or listen to your calls to tell you how you can better yourself..why? Oh..cause there to bizy taking the leads that you don’t have to work for or dividing the appts that have been made by an ex employee!! The owner is a great guy,but the clowns that work for him on the floor can be upgraded to professional with concern for all employees to succeed.

  • John Billings

    This company is slamming customers calling under the name “merchant services ” when asked they said that was their name. It’s what they do. He then tried to tell me I was out of compliance and was trying to make it sound like he saw my transactions saying my account was flagged as low risk. I know for a fact that isn’t true because I have a large ticket and charge months in advance. When asked if he was my merchant services company he said yes I told him he was lying. He said all calls are recorded but there was no taped warning when I called.iif that is true they are taping without my knowledge. Folks. This is a phone room scam they can’t get merchants by telling the truth because of all the hidden fees not to mention the rates are sky high. It used to be called “slamming ” in the 90’s it’s illegal. Stear far away from this company . If they have to mislead to get your business what else are they hiding. “Run forest run “

  • John Lee

    This company’s customer care is really bad. I’ve requested my money back for many times through sales rep and his supervisor but they don’t give any update and not solve issue at all even though they didn’t install their program and never do service at all but still keep charge automatically over 4 months. Very disappointed. Never recommend.

    Are you with EMV Payment Systems? Learn how to resolve this complaint.


Copyright © 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.

Phillip Parker
date range
FTC & Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.
closecloseShow disclosure

About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

Educational Resources

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

Phillip's Popular Reviews
stripe logo
Stripe Credit Card Processing
March 19, 2023
square credit card processing logo
Square Card Reader & POS
March 19, 2023
Intuit Merchant Services
March 17, 2023
Shopify Logo
Shopify E-Commerce
February 11, 2022

Here Are The Processors Who Don't Hide Fees

Some processors have no monthly, no annual fees, no contract, and cheap rates.

Phillip's Top Picks by Industry

Should You Work In Merchant Services?

It's a cut throat industry. Get the truth here.

Quickbooks Payments Too Expensive?

These processors offer Quickbooks integration and have low rates.

Overpaying? Find Out.

processing cost calculator

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review


Our Readers Frequently Choose