EMV Payment Systems Review

Name: EMV Payment Systems
Item: EMV Payment Systems
Rating: 2.8
Author: Phillip Parker

By Phillip Parker

Last Updated: January 24, 2019

4 User Comments

EMV Payment Systems Rating

2.8/5

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Updated 1/24/2019: The EMV Payment Systems website is no longer active, and it appears that it has not been active since early 2016.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. (https://mva.la) 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.

EMV Payment Systems Customer Reviews

Here's What Their Clients Say

Key Points
Total Online Complaints	10+
Live Customer Support	Yes
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 Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints	2
Billing & Collection Complaints	0
Advertising & Sales Complaints	2
Guarantee & Warranty Complaints	0
Delivery Complaints	0

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.

EMV Payment Systems Fees, Rates & Costs

A Closer Look at The Contract

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

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 Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points
Employs Independent Resellers	Yes
Advertises Deceptive Rates	No
Discloses All Important Terms	No

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.

Our EMV Payment Systems Review Summary

Our Final Thoughts

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.

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About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

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Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

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Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

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Your Comments & Reviews

How Did EMV Payment Systems Treat You?

4 Responses

Alex Marruffo

May 24, 2016

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.

Reply
Constance

March 25, 2016

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.

Reply
John Billings

March 17, 2016

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 “

Reply
John Lee

January 12, 2016

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.

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