ePayData, Inc. Merchant Services Reviews & Complaints
Company Overview
Established in 1984, ePayData is a U.S.-based merchant account provider offering merchants a range of payment solutions, including those specifically designed for non-profit organizations. At the time of our previous update, the company appeared to resell the processing services of Cynergy Data, but given Cynergy's recent absorption into Priority Payment Systems, ePayData now resells the latter company's services.
ePayData Payment Processing
ePayData processes most major debit and credit cards for most business types. Their services include the ePayDonate platform for non-profits and the SurePay mobile payment platform for merchants.
Non-Profit Tools
ePayData's ePayDonate platform facilitates the management of one-time and recurring donations for non-profit organizations.
Technology Integration
The company offers multiple payment gateway options for integration with various technology systems or platforms used by businesses.
Business Simplification
Automation in payment processing is aimed at reducing errors and increasing productivity, with features for automating billing and managing recurring payments.
Flexible Payment Software
ePayData's software adjusts to different screen sizes, maintaining key features across devices, and allows payments from anywhere at any time.
Location & Ownership
The company's corporate address can be found at 3025 S. Parker Rd. Ste. 610, Aurora, Colorado 80014. ePayData is a registered ISO/MSP of Merrick Bank, South Jordan, Utah. Michael Dinnen is listed as the owner of ePayData, Inc.
Pros: | Cons: |
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Responsive customer support | Some undisclosed fees |
Established since 1984 | Limited contract information |
Offers non-profit tools | Potential early termination fees |
Multiple payment gateways | Fees may vary by agent |
Automation for billing | Telemarketing sales approach |
ePayData, Inc. Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
---|---|
Live Customer Support | Yes |
Most Common Complaint | N/A |
Recent Lawsuits | No |
Clean Complaint Record
Our search did not uncover any ePayData reviews characterizing the company as a scam. Notably, there is an almost complete absence of both positive and negative reviews on consumer protection websites. One isolated negative Yelp review from a client mentioned ongoing charges after paying off a financial obligation, which was erroneously referred to as a loan, whereas ePayData primarily offers cash advances. We welcome any personal reviews of ePayData; please share your experiences in the comments section below.
ePayData Lawsuits
No outstanding class-action lawsuits or Federal Trade Commission (FTC) complaints have been found against ePayData. Clients looking for non-litigious ways to address grievances with the company should consider reporting them to relevant supervisory organizations.
ePayData Customer Support Options
ePayData offers customer support via phone and email. While not currently recognized as a top-rated payment processor for customer service, the low volume of complaints suggests either an effective support team at ePayData or a potential outsourcing of customer support to its backend processor. In the absence of clear evidence of outsourcing, we assign ePayData an “A” rating in customer support.
ePayData Customer Service Numbers
- (877) 872-1333 – Toll-Free Support
- (303) 872-1300 – Local Office
- (800) 865-1164 – After-Hours Support (Accounts ending in 3899)
- (800) 552-8227 – After-Hours Support (Accounts ending in 7851)
Other Support Options
- Support form
- Email support at [email protected]
ePayData, Inc. Online Ratings
Here's How They Rate Online
BBB Reports | 0 |
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No BBB Complaints
ePayData has been accredited with the Better Business Bureau since 2012 and maintains an “A+” rating at the time of this update. There have been 0 complaints filed against this company with the BBB in the last 36 months. At the time of our last update, ePayData had received 1 positive informal review, but it should be noted that the BBB does not verify the authenticity of these reviews.
An “A” Performance
Given ePayData’s clean complaint total, we agree with the BBB’s rating in this case. Readers should be aware, however, that there is reason to be skeptical of the BBB’s rating system.
ePayData, Inc. Fees, Rates & Costs
A Closer Look at The Contract
Cancellation Penalties | Yes |
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Monthly & Annual Fees | Yes |
Processing Rates | 1.00% - 4.99% |
Equipment Leasing | Yes |
Three-Year Agreement Overview
An earlier version of ePayData’s standard contract suggests a partnership with Priority Payment Systems, implying their current agreements might reflect similar terms. Priority Payment Systems generally enforces a three-year contract with an early termination fee ranging from $195 to $600+, alongside a $129.99 annual fee, a $25 monthly minimum fee, and a non-disclosed PCI Compliance fee“【oaicite:7】““【oaicite:6】““【oaicite:5】““【oaicite:4】“.
Virtual Terminal and Payment Gateway Pricing
ePayData promotes its virtual terminal and payment gateway services, known as SurePay, without specifying rates on their website. Services like these often include gateway fees, technical support fees, batch fees, and additional transaction rates“【oaicite:3】“. Priority Payment Systems offers virtual terminal and payment gateway services through Payeezy, with plans ranging from 1.89% + $0.23 to 2.90% + $0.30 per transaction, notably not charging setup, statement, or gateway fees“【oaicite:2】“.
ePayDonate for Non-Profit Organizations
ePayData offers a specific solution for non-profit organizations named ePayDonate, designed to facilitate donations across multiple channels, including in-person, online, and over the phone. However, detailed pricing for this plan remains undisclosed“【oaicite:1】“.
Flexibility in Negotiating Fees
With ePayData’s use of independent contractors, fee structures might vary by agent, suggesting a degree of negotiability. It’s advised for merchants to discuss these fees to potentially secure more favorable terms, aligning closer with the industry’s most competitive offers“【oaicite:0】“.
Comprehensive Review and Recommendations
ePayData, in its collaboration with Priority Payment Systems, presents a contract structure that includes a blend of fixed and negotiable fees, with particular attention to non-disclosed rates for its virtual services and specialized non-profit plan. While the partnership leans towards standard industry practices, the variability in contract specifics and agent-dependent fee negotiations underscores the importance of thorough review and discussion prior to commitment. Merchants are encouraged to compare ePayData’s offerings with other providers to ensure the best fit for their payment processing needs.
ePayData, Inc. Employee Reviews & Sales Tacitcs
Should You Work For Them?
Uses Independent Resellers | Yes |
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Telemarketing | Yes |
Misleading Marketing | No |
Discloses All Important Terms | No |
Outside Sales Agents
ePayData appears to utilize a combination of in-house telemarketing and 1099-employed independent sales agents to market its services. These practices are common within the industry and often result in an increased complaint volume among merchants. In this case, though, we were unable to locate any negative ePayData reviews that mention the company’s sales team.
No Deceptive Advertising
As another point in the company’s favor, ePayData does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you have had undisclosed fees added to your ePayData contract, we recommend seeking a third-party statement audit to eliminate hidden fees. In addition, if you have any experience with ePayData’s sales team, please describe that communication in the comment section of this review.
Our ePayData, Inc. Review Summary
Our Final Thoughts
According to our standards, ePayData rates as an above-average credit card processing provider and does not appear to be a ripoff. The company’s contract terms are slightly less competitive than industry averages, but a low complaint rate seems to indicate that ePayData compensates for this at least in part through its customer service. Readers are advised to carefully examine the company’s contract terms before signing up for a merchant account and to compare ePayData’s pricing to the top overall merchant account providers.
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Paulo
I open this account about two days ago and still can’t login…Ready called which customer service (no customer service!) a recording ask to leave Message which no place to leave voice message, just recording play again and again… Ridiculous..