Encore Payment Systems Review

Category Breakdown
Sales & Marketing rated D
Costs & Contract rated D
Complaints & Service rated D
BBB Rating rated D

Overall Rating

"D" Credit Card Processor Rating


Overview

Encore Payment Systems (encoreps.com) is a merchant account provider based in Addison, Texas, that began operations in 2004. The company also does business in the U.S. under the names Prodigy Payment Systems and Momentum Payment Systems. Additionally, Encore has a Canadian sales arm called MOCA Payment Systems. At the time of this review’s original publication, two different agents claimed that Encore Payment Systems is a direct processor with HSBC Bank, which was surprising considering it was a young company. After pressing the issue, one agent admitted that Encore occasionally uses Chase Paymentech for a processor, but insisted that the company is a direct processor in all other cases. The Encore Payment Systems website now states that Encore is “a division of EVO Payments International.” The company is a registered ISO/MSP of Deutsche Bank AG, New York, and the CFO of Encore is Blake Pyle, while the chief sales officer is Mark Harrelson.

Encore Products and Services Industries Served
  • Debit and credit card processing
  • Check conversion and guarantee
  • Wireless processing
  • EBT acceptance
  • POS equipment sales and leasing
  • Gift and loyalty programs
  • Retail
  • Mobile
  • MOTO
  • E-commerce
  • Restaurant
  • Hospitality

Related: Find The Best Processor For Your Business Type

Sales & Marketing | D

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

Encore Payment Systems appears to use an ethically questionable marketing strategy. First, the use of multiple DBAs suggests that the company is purposely attempting to spread its complaint count among the different business names. It also makes it possible for a merchant to cancel an account under one business name and then inadvertently sign up with the same company represented under another name. Nearly all merchant services providers that take part in this strategy have very poor reputations.

Second, the company appears to be a “hiring mill” that markets its business by continually recruiting independent outside sales agents (ISAs) who are only paid upon making a sale. Like many companies that use this hiring practice, Encore’s agents appear to be trained primarily on how to sell expensive merchant accounts and equipment leases in exchange for high commissions. They also appear to be poorly trained about the details of the merchant account agreements they are selling and the credit card processing fees associated with them. Agent turnover with this type of provider is typically very high.

Based on reports by merchants, there is evidence suggesting that Encore’s marketing strategy often results in the use of deceptive sales tactics. We cannot say if Encore encourages or endorses misleading tactics, but it seems that its pricing and underwriting policies make it possible. The company also appears to enforce contracts even when merchants claim to have been misled by an agent.

Alternate URLs:

  • encorepaymentsystems.com
  • encorepaymentsystems.net
  • prodigypay.com
  • momentumpayments.com

Encore Payment Systems Marketing Example

Related: Find The Best Providers By Processor Type

Costs & Contract | D

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $195-$450+
PCI compliance fee: $49 per year
Equipment lease: 48 mos./non-cancellable

Encore Payment Systems’s pricing and contract terms appear to vary based upon the merchant and the agent setting up the account. The company’s standard merchant account contract has a three-year service agreement with automatic renewal for one-year terms and an average Early Termination Fee (ETF) of $195; however, some merchants have reported ETFs up to $450.

An older version of the standard Encore Payment Systems contract is available below; it outlines a four-year agreement with automatic renewal for one-year terms, a $450 “deconversion” fee (which acts as an ETF), an annual fee (probably a PCI Compliance fee) of $49, a monthly “bank service fee” of $4.00, a merchant account setup fee of $125, and an expensive tiered pricing structure. Although this agreement appears to be outdated, we do not have any evidence that the company’s contract terms are any more favorable today.

Aside from the standard three-year merchant account contract, there are numerous reports stating that merchants are sometimes locked into four-year, non-cancellable equipment leases. Cancelling these leases before the termination date is reported to cost in the thousands of dollars. We do not recommend that merchants lease equipment from any company because it is often the most expensive option. Buying your equipment outright is often the best and most cost-effective solution. See the Encore Merchant Application.

Related: Best Processors For Quickbooks Integration

Complaints & Service | D

Key Points – Complaints & Service
Total complaints: 100+
Live customer support: Yes
Most common complaint: Long-term leases

For a provider of its size and time in business, Encore Payment Systems has a moderate-to-high number of complaints when we combine all of them together from its other DBAs. Many of these complaints are from the comment sections of our reviews. Of additional concern are the numerous complaints from former agents of the company found on jobs websites. Nearly all of these former agents complain of deceptive hiring practices and state that they were encouraged to lie to and mislead merchants.

As for merchant complaints, the common theme among them are several reports suggesting the use of predatory equipment leases that cost merchants thousands of dollars for equipment that can be bought in the low hundreds. Nearly all of the reported leases are four-year terms with no ability to cancel without incurring significant financial cost. One merchant’s experience with misleading sales tactics, poor customer service, and unexpected equipment expenses is chronicled here.

Related: Best Processors For E-Commerce

BBB Report | D*

Key Points – BBB Report
Product/service: 51
Billing/collection: 32
Advertising/sales: 18
Guarantee/warranty: 0
Delivery: 1

As of this review, Encore Payment Systems is not accredited with the Better Business Bureau and holds an “A-” rating, down from a “A” at the time of our last review. The BBB is reporting 102 complaints filed within the last 36 months (up from 86 as of our last update); however, when adding the complaint counts of Prodigy Payment Systems and Momentum Payment Systems (Encore’s other DBAs), Encore actually has received 187 BBB complaints in the last three years. The complaints are somewhat evenly spread across issues with advertising and sales, billing and collection, and problems with products and services with the highest count. Of the 102 complaints that have been filed against Encore Payment Systems, 42 were resolved to the merchant’s satisfaction. Fifty-six either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant, while four have received no resolution whatsoever.

Based on the company’s complaint count and resolution ratio, we are adjusting the BBB’s rating to a “D” for the purposes of this review.

* Denotes CPO-adjusted BBB score

Related: Best iPad & Tablet Point of Sale Services

Encore Payment Systems Bottom Line


Encore Payment Systems Review

Rated 1 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2016-01-26

Encore Payment Systems scores poorly in our review because the company uses multiple business names, relies too heavily on hiring independent outside sales agents, has a high complaint count for a company of its size and time in business, and appears to suffer from widespread use of deceptive marketing and sales practices. The company could improve its rating by eliminating or reducing these problems.

This review was originally published on 10/20/11 and was last updated on 1/26/16.

Leave your review of Encore Payment Systems in the comment section below:

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

30 Reviews Leave Your Review Below

  1. Wow, EVERYTHING being said here is true. I have been with these ppl since 2007. Hard to think I didnt see the light sooner, or that i was scamed from another provider that this one looked better. I now saw the light and am trying to leave and each rep is telling me something totally different regarding the cost involved, and the process. Its a nightmare I cant wait to loose. I have uses SQ reader and I LOVE it! I really just wished we would all go back to being a cash society… think how much more money we would have in our pockets! Don’t do business with this company ever..

  2. This payment processor is a scam. We were told by our sales rep at the time we were under know contract. Which we have emails stating this. We were also, informed when we went to cancel that we were in a 4 year contract with them in very small print. DO NOT TRUST THE SALES REPS THEY LIE TO GET YOUR BUSINESS. They have horrible ratings online. They are not with the BBB. The contract we signed also states they will refund us for cancelling 595.00 dollars and will wave a $200 rebate for annual fees this was never applied. SCAM lies. I call to get out of this contract they told me this doesn’t mean what it says. Bull Crap. I had also, had one charge back with this company they never sent me anything to fight this. I called Encore Kendall called me and said we are sorry there was a lot of error’s on our end. We will wave your annual $99 fee that we never received a credit for yet. I am also, going to contact the attorney general and post on youtube and everywhere I can about this company so it don’t happen to someone else…. SCAM

  3. Worst experience by far. I was a client of EVO systems for 17 years and somehow was told that Encore bought out EVO. Long story short, it has been 9 months since I was bullied into buying a new “PCI” compliant machine with the chip technology. August 2015 the machine was purchased for the supposed October deadline for the chip technology. I spoke with several customer and tech reps to be 100% that this information was correct. Obviously lying runs rampart throughout the company. To this day, after multiply calls to their sales, customer service and tech departments I am still swiping clients cards. It is insane that this company is allowed to operate in this manner. I just found the CPO website today…I wish I had a long time ago. Better late than never. Thank you for providing the opportunity to express this horrible experience.

  4. Everything that these 48 comments said is 100% right. They are the biggest crooks I’ve ever come across. I am a non-profit organization called St Jude Helping Hand Foundation. We feed & clothe the homeless for the last 13 years. We only depend on donations which are practically non-existent today. I am 70 years old and my spouse is 66 years old and we live on our social security only. Since December 2015 when they started taking money out of our account, I have been lied to. The gentlemen that sold me the policy no longer works for the place – his name is Phil. He is a black man and when he tried to intervene for me on a conference call they used the N word referring to him. One thing I will pass on is a man named Whit. He’s supposed to be some big boss at Encore. Here is his cell phone number that was given to me by Phil. [REDACTED – personal contact information]. I called him last week and he almost when spastic when he found out I had his personal cell phone. I was told never to call him again and to forget his number? Maybe anyone that has problems with Encore needs to call Whit on his cell phone and reach out to him because I do believe that if he gets enough calls – he’ll probably lose that number – so use it while you can.

  5. Stay far away from this company. Received nothing but lies. After I realized I made a huge mistake and tried to fix the problem the rep and the company were no where to be found. I left numerous messages with no call backs. Now I find out the rep is no longer with he company. After all of this mess they are using loop holes to charge me a #500.00 plus cancellation fee. Please read all these reviews and you will see this is a terrible company that uses lies to get your business and cannot fulfill promises made.


    Are you with Encore? Learn how to resolve this complaint.

  6. I signed up to become an IBA with Encore about 3 weeks ago. I realized at the very beginning that something was not right. For one, I was promised a 50 dollar bonus to get a certain amount of leads. I had to almost curse to get them to give me that money. So that put a nasty taste in my mouth. Then as I’m sitting with a client yesterday, I was contradicted right in front of the client as if he was trying to blow my sale and it worked. I also noticed that the first couple of appointments I was sent to were bogus. They say, “oh yeah, the merchant will act like they didn’t set the appointment” That’s because it’s true. Then they tell you to try to close by saying you will even get a $200 check. When questioned about the check by my potential client yesterday, while my so called team leader (and I use the term loosely), he totally said, “no, it’s not really a check, it’s a rebate” It clearly says on the advertisement that you will receive a check not rebate for sitting down with and IBA for 15 minutes. The last straw was today when I was told that if I get at least 5 business cards where I actually talked to the owner, I would receive $100. So, I did just that. When I called to ask when the money would be in my account, I was told that that the minimum amount of cards were five and I must of misunderstood. About my money? Please. I’m not an idiot. I graduated from the Wharton School of Business and I’m an idiot. I saw them for who they were (CROOKS) in less than 2 weeks. I turned around and called my client that was thinking of signing with Encore and told him to not sign up with them as I have integrity and he really respected what I was feeding him yesterday. DO NOT WORK FOR THIS COMPANY…YOU WILL STARVE TO DEATH and lose your integrity. Shout out to Drew Casalino and Brenda Mitchell for their cunning ways. I QUIT!!!!!!!!

  7. Never ever ever sign up or do any type of business with this company!!! If you see any of their sale rep run or tell them to f*** off! This company is deceiving, the employees are conniving tricksters! They will do and say anything to get you sign up for their contract and then disappear on you and let you deal with an expensive mess!!! They tell you one thing and sign you up for another without your knowledge. They will not tell you the full detail of the contract and will rush you through it, get your signature and then you will be screwed royally. Future customers if you do decide to go with this lying thieving company please read every fine print and details fully before signing or agreeing to anything. You will be lock in a 4 years lease for an equipment you can buy out right for $300-$400 (top of the line) instead of this lease they trick you into and you end up paying over $2000 and at the end of it all.. The quipments isn’t even yours!!! The payment service is another contract they will trick you with, you don’t get your money the next day, you get them 2-5 days later, and they take their percentage out at the end of the day. Encore payment system is by far the worst company I’ve ever dealt with! Thank God I got out of it with out having to spend a penny with them! Know your rights and don’t let them scare you force you to stay!!! Cancel cancel cancel and run while you can!!!!!!!

  8. The company hires Independent Business Analyst using lures like: no cold calling, all pre-qualified warm leads. As an IBA I found that 100% of the merchants had been contacted but didn’t agree to an appointment. Encore uses a text messaging system to alert IBAs of pending appointments. These leads are not pre-qualified, Once the IBA is on the premise, the Team Lead in the office then attempts to force a sell onto the decision maker if present. Encore is terrible about making timely payments to the IBAs as well.

  9. [REDACTED – contact information] In July of 2015 my mother passed away and we got the rep Wes Golden to come out to find out what we could do about our credit card terminials He came out took copies of all the papers he needed through his phone said that he would get them into the company and we would be fine. Now it is almost 3 weeks later and 3000.00 short in our account and nothing has been done. We closed the prior business account and still nothing. They are hold almost 3000.00 and say they need her death certificate and her power of attorney signed before they can do anything. My question to them how do we get a power of attorney from my dead mother. They now have copies of death certificate and her will giving everything to my father, but will not release the money. We have since changed credit card companies and as of today they will get no more of our money does anyone have any suggestions on what we can do?

  10. Our office has not signed up with Encore however the people that work for them are rude and VERY pushy to the point were you don’t want to do business with them. I had told them that we decided on a different company and a week later they are still calling me asking for our statements and told the lady on the phone that I was not interested three time and she continued to push…I finally just hung up. I might have thought about going with encore if their people were not so rude and pushy. I wouldn’t recommend them.

  11. BEWARE OF THIS BUSINESS…I was referred to encore so I called them. I told them I want a transaction by transaction account. they told me that they would have to charge a higher percentage per transaction. I agreed to that so long as there was no contract binding me if my new small business failed. After obtaining their equipment I was being charged about 10% per swipe. Being a repair facility that could be $100 per swipe. I closed the business but still kept my account open with Encore and paid their monthly account fees. After having them for a year I call and told them that I wanted to cancel and was told that I could not unless I paid a penalty for breech of contract. Well to make it short. Instead of transaction by transaction they tricked me into signing up for a 4 year contract. DIRTY BUSINESS TACTICS………….BEWARE

  12. The Texas attorney general needs to monitor the owners and managers of this company. The rep (Joe) gave me story on how smooth everything would be because I already used EPN (software) and didn’t need a card reader. Not true. they wanted to set me up with a new EPN and “charge me twice”. For all the rate discounts it doesn’t make sense when the fees are enormous, you can’t have continuity or control of your business.

    He promised to follow up but, never did.

    I hope they don’t burn me when I try to cancel?

    1. Follow up to my January 20, 2014 post.

      Well, things were quiet and I thought that Encore respected my multiple requests to not engage their services for reasons previously stated. Today, March 6, 2014 I received my first notification that they debited my business banking account for $67.00.

      Encore Payment Services and it’s owners, managers, and apparently employees/contractors are collectively scam artists, liars and thieves. My thief is named Joe Barrett (214) 796-9110. He allegedly grew up in Kopprel, Texas according to him. The reason this was slightly important in mentioning is that he looks you right in the eye with awe shucks country talk and after he was through I mentioned to him I actually know the town well as my Father was a school administrator there after he retired from being a full time administrator in another district. When I mentioned this to Joe he became kind of white and I should have taken the papers out of his hands at that moment, torn them up and kicked him out of my home, (yes home) where he showed up to meet me unannounced.

      Warning to all business owners. I now get to go through the unpleasant task of closing my business checking account because of this. They won’t fix the problem they just lie and lie and lie drag it out until they get their hooks into you.

      At least half of my business I provide direct services to law enforcement, Judges and District attorneys. If I ever would call in a favor it would be on Encore. This business must be stopped!

      I am highly disappointed and disgusted. I will never speak to any credit card processor company again.

      1. ENCORE BIGGEST SCAM credit card company today.
        I was also scammed in 2011-2013 (post mar 8 2013)
        Still upset that they continue to ripoff the consumer and are still in business.
        Biggest scam company around but keeps on ticking.
        Unbelievable they still exist with such poor ethics.
        Switched to world pay and am very satisfied.

  13. Horrible customer service. The sales rep flat out lied regarding the terms, fees, rates and the fact that she was coming back the next day with my copy of the contract. They do not have the original either, just what the rep faxed them which is unreadable so I have no way to know what was in the blurry microscopic print. When I went to cancel after the contract was up, I was informed that I didn’t give 60 days notice prior to the 2yr date so it automatically renewed for another year. Now our machine broke and they refuse to program a new unless we lease it from them which is a 48 month lease at $39/month. The leasing people are aggressive and call and hang up on my employees once they say their name and it’s not me (hello, we have caller ID). I called them today to beg them to waive the $395 cancellation fee as I completed original contract and now we cannot take credit cards as I refuse to sign their lease. I asked her if she could reply to my one of my 5 previous emails so I could have something in writing and she told me to have an attorney contact them if I wanted anything in writing or a legible copy of my contract. Are they lying about something in the contract? Definitely something shady going on here.

  14. I have a very busy practice. The Encore representatives would call repeatedly and would not let my staff off the phone. Finally I instructed my staff to hang up on them because you could never get a word in edgewise to explain that we had other patient calls to tend to. Their sales tactics are very poor and aggressive. It is beyond me how anyone would become their customer.

  15. WHAT A JOKE!!!!!! The WORST company I have ever dealt with!! I processed a cc for $1000.00 yesterday and they are now telling me that I can not have the money because it is over what my usual sales are. I faxed a copy of the signed cc slip and also a not signed by the customer, still I am told I need to refund the money to the customer and have them pay another way. This is just crazy!!!!!! HORRIBLE HORRIBLE HORRIBLE COMPANY

    1. Well, now this BS company is holding over $6500.00 of my companies money due to the fact that we ran a card for $1000.00 which was over our “normal” ticket. WHAT A JOKE! You call the company to get answers and just keep getting pushed off to another person. We are a local family owned company that relies on the credit cards we process to go into our bank account so we can pay our bills. I would trust the bum living under the bridge down town with my money before I would ever trust this JOKE of a “company”!!! BEWARE!!!! DO NOT DO BUSINESS WITH ENCORE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  16. As a former employee of this hell hole, I can confirm all of these comments. This place is a COMPLETE joke. All of the employees are completely uneducated about the products and services. This is because #1 the company doesn’t train anyone and don’t have any good documentation or internal resources and #2 their hiring strategy involves hiring the cheapest labor possible which amounts to a staff with not a whole lot of experience, intelligence, motivation, or general apptitude/skills to learn or perform even the simplest of tasks. Encore is completely unorganized, dysfunctional, and no one is on the same page. Internal communication is extremely poor. There are no cohesive well defined company values or mission whatsoever. Their ONLY focus is on CLOSING SALES. PRODUCTS, SERVICES, CUSTOMERS, AND EMPLOYEES ALL TAKE A BACK SEAT, AND IT SHOWS!

    If for some reason you choose to do business with these shady people, at least keep these points in mind:
    #1 DON’T LISTEN TO SALES REPS. READ YOUR ENTIRE CONTRACT AND MAKE AN INFORMED, INTELLIGENT DECISION BEFORE SIGNING ANYTHING!
    #2 DON’T LEASE ANYTHING! Buy a broken terminal online for a couple bucks and tell them you want it reprogrammed. When they can’t get it downloaded, they will offer you free equipment.

  17. I worked for this company with the promise making huge bonuses. Although I did make 3100 on my first 2 months I shelled out over 600 in gas money not to mention the 5000+ miles I put on my car. My first month I went over 1000 min on my cell phone plan mostly due to being on hold for at least 2+ hours a day. When I started training they told me 3 year agreements, I wrote it down 3 different times. Then when it came to my first sale I was told no its a 4 year agreement. This company has serious communic accation issues and customer service is not a priority. I had a customer that had equipment that wasn’t working they called me and I called on behalf of the merchant only to get the run around. The. Merchant never got any help and canceled his account because of it. The final straw for me was when a team leader named jeff that does the morning conference calls told ke to lie to a customer and don’t worry about it because he does it all the time. I’m far from perfect but the policy on being “ethical” is far from the truth. They lease equipment for $2500 plus that you can get online for 250 total. They have an annual fee of 99 dollars and a set up fee of 125. They also send you on bogus appointments and micro manage every minute of your day. Imo good intentions but very poor follow through.

  18. BEWARE: Encore systems is a fraudulent ripoff scam. Cancelled my contract July 2011. They continued to debit my bank account for 1 1/2 years before I found out. They claimed they didnt receive the signed termination letter I sent. I cancelled again in Dec 2012 and again they claimed the letter they received wasn’t signed. My banker called and made them verify the letter was indeed signed and demanded Encore to stop billing my account. Termination date was now officially Dec 28, 2012. On March 06 they charged my account $250 cancellation fee even thou my original 3 year contract expired in Jan 2012. Encore intentionally procrastinated and claims the contract automatically renews annually after the original contract expired. Encore systems is a scam and I will be pursuing legal actions against these clowns to stop this nonsense of ripping off the consumer. A class action lawsuit should also be initiated against them for this Scam they are running. I strongly recommend any other bankcard processing company out there and if you are dumb enough to sign a contract with encore make sure your attorney reads the contract before you sign.

    1. Anyone interested in filing/joining a class action suit against Encore, drop me a line. I am in a legal battle with them right now and I never even activated my service or signed a contract. I signed an application which they now say is a contract and was supposed to get a copy the following day.. Never happened. When I did get hold of the rep he said that he had quit because they are crooks so I called them and spoke with their district manager who said they had fired the rep because he was a crook. Bottom line, I am out around $400 and have never even unboxed the machine, I cancelled and they pulled the old it wasn’t signed game on me as well so I sent them six more copies all signed and they still drafted another $76.50 and reported they hadn’t received the cancellation order till it was too late even though I have transmission receipts showing that it was received. These people are a complete rip off company from their sales force all the way to the management. Management tried to play me along until they could get me beyond the 60 day trial period so they could hit me with another $500 for ETF.. They are scum of the earth and I will get my money back plus some.

      1. I would love to enter into a class action law suite this company is horrible. The rep misled me into signing a contract with knowing about the rebate that was to accompany the monthly cost. The numbers were double the amount I was told. Upon my first bank statement charges were added with a check cashing process I did not agree to. I called the sales rep Shyla Goodwin of Citrus County Florida to explain these fake amounts. She tried to tell me that she herself was unaware of the rebate that should have been on my account.Shortly after she no longer answered her phone to settle this matter. She told me that i could send back the equipment close out my account, close out my business banking account and i would be out of the contract. I have since sold my business and I’m now being sued by northern leasing in the amount of $4,000 after they froze my bank account. Stay away from Northern Leasing as well they are New York city crooks.

  19. This is the WORST company I have ever had to deal with in the 40 years I have been in business.

    In October we started looking for other rates and found a much better deal for us. We never signed another contract and told them we were going to use another card service provider.

    The contract was up in December 2012 and we signed up with another provider and told Encore we would not be using them for our card services anymore. They charged us the $95 annual fee plus other charges that total $152.

    Then in January and February they again charged my bank account $17.50.

    My contract was up and they still pulled this…

    Best to stay away from these people and look for reputable companies to handle your card services….!!!

  20. STAY AWAY, FAR AWAY! The absolute worst, cheating company ever!!!! They lie, forget to send you contract, don’t provide clear answers, hide as much information as possible to CHEAT YOU OUT of HUNDREDS OF DOLLARS!!!! You can’t even cancel without a 90 day notice, PLUS they charge you $95 annual fee!!!!!

  21. I worked for encore for 3 weeks as a IBA. Janice Carter was the recruiter. She was a true professional and a pleasure. The leads or the preset appointment were fake. I went to 6 preset appts and none of them agreed to a meeting nor were they there when I arrived. I tried to get them to let me set my own appts but they said I would fail that way. They told me I was bucking their system and causing waves because I wanted to forego their fake appts an do it on my own. I wasted alot of time and money.They lure you in with promises of free preset appts…………………but they are not real.

  22. I signed with a friend of a friend with Prodigy, I mistakenly trusted here that she would help to save me a little money,and be honest about all the promises she made , being fairly new at her job she was constanly on the phone with Bo Wilson, one of the owners of prodigy or whatever they call themselves to make sure they could honor these promises so stupidly I assumed that even if she was new at her job the owner would steer her in the right direction as what she could or couldnt promise me such as excellent customer service , slightly lower prices and the payoff of the terminal lease I was already in and a $ 300.00 sign on gift as I would have to lease one of their machines because I had a first data which I was told did not work with any other companies processing, and at this point still unaware I had many other options due to my lack of educating myself on the credit card terminals and processing , which by the way I take full responsibility of not doing so. So after alot of messed up paper work chaotic signing and resigning, alot of faxing back and forth along with trying to take care of customers in between, unknowingly I signed every right away that I had as a consumer to a one sided( of course to the leasing companies side) unconscionable 4 year lease, that she even sneaked in my signature on one part, but only the part where I fully understood what I was signing.) The funny thing is that that machine was at my shop not long after she left I called her and she said she would return the next day to hook up the machine and bring in the paperwork back that promised to pay off my other lease. she did return to hook up my machine which was also a chaotic mess, I asked for the paper work she was suppose to return and I was told that I would receive it in the mail, now I was very nervous.She assured me she would see to it I would get it back if I didnt receive it soon.Then the trouble began, the machine was constantly dropping tips and some transactions altogether our close outs turned into a nightmare would have to wait till next day to speak with the processors in which they had to rerun peoples card numbers which in itself didnt seem right, our telephone was staticky with the machine hooked up and the internet would not work and I had 5 girls screaming at me about how the machine just didnt work right. It even just up and batched out sometimes when noone was around it. I called the sales person to please help with the machine and she said she quit because she just felt like she was doing something wrong GREAT so then I proceeded to call Prodigy and ask for either someone to come help us or send a machine that worked,then I started getting the run around. at this point still no buy out so now I was gonna have to pay for 2 contracts. I had signed a contract with lease source but my first bill came with a company named Northern Leasing, I thought it was some kind of mistake so I called to find out and they said they were now my leasing company my lease was with them they had bought out my contract from lease source, so I asked them about help with the machine because it did not work properly and then( here we go ) this man proceeded to rudely and obnoxiously tell me to bad I leased machine as is What ? so now what do I do he then told me to figure it out it was my problem. So I boxed the machine up in the box it came in and sent it back where it came from and reconnected my other machine and called them to reinstate I had a business to run!! I cut off my acct. to them after only 11 days of being with this business if thats what you can call them!! Then the 4 year noncanceable lease problem began, you can only imagine the harrasment from these rude arrogant threatning whoever they are, anyway long enough, The other day I drove 6.5 hrs to New York to civil court of course they are suing me, it was interesting to say the least but it will be long and drawn out and I will be present in that court room for the duration!! My suggestion to anyone wanting to sign up with them or be employed by them PLEASE!! Think twice and research, research . I would hate to see anyone go thru what I and so many others have because we didnt . They prey on the small businesses counting on it!! They are misleading, relentless and unethical to say the least!

  23. I’ve been dealing with eps for about 6 months now! Awful!! I had a “yes man” of a sales rep, Scott comfry, come in and tell me that he would match the “squares” service agreement and give me a lesser percent. I had 60 days to cancel if I wanted to. Everything was good until about 75 days in when. I started getting charges of 40, then 60 now 100. They also took 10 a month for a rental for the terminal. Now square gives u the terminal free. My contract I signed has the 10 fee crossed out and 0 added but I was still charged. They refunded my money and acted like that made things all better. That’s money they never should have taken. That equal to a robber stealing from a house getting caught in the act, returning the items and saying no need to call the police. There has to be some punishment or responsibility. I just want out of their shady business but they are telling me that I have to pay 450 to cancel. I only am leaving because they breached their own contract. I just want to walk away from them robbing me again. I also blocked them from my account and now they hold my transactions hostage. 41 dollars they took from me for a 2.97 charge. Pretty shady! In short DO NOT DO BUSINESS!!

  24. I just had a rep from Encore visit me telling me he could save me a fortune. When I asked for a copy of the contract so I could review all costs, I was told they don’t provide a copy for review, but if I signed up and changed my mind, I could cancel within 60 days. I’m always dubious of companies who won’t provide the contract for review, and never sign up for anything on the spot.

    1. Stay away from this company, signed me up saying it will integrate into quick books but sadly that was false as the “salesman” Jerry had no idea how anything worked, I was supposed to get a card reader, it never showed up, I get no return calls from my rep or the company and when I called to close the account I was told it would cost me $450 to close the account and I agreed to this in my contract, well I asked for a copy of this contract and to this day they can’t seem to find it and asked me to refer to my copy which surprisingly never received either and didn’t sign. I turned it into my bank that will block all charges to my account from today on, maybe that will motivate them to find my paperwork :)

      Stay away from this company

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