ePayData, Inc. Merchant Services 2023: Reviews & Complaints

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Call ePayData, Inc. Call ePayData, Inc. (877) 872-1333 View Pricing

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • ePayData’s various payment processing services.
  • There is little information available about the contract, but it likely resembles that of Priority.
  • The company has received few complaints.

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.

Table of Contents

ePayData payment processing non-profits
ePayData offers payment processing with a specific focus on non-profits

ePayData, Inc. Customer Reviews

Here's What Their Clients Say

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Clean Complaint Record

We are currently unable to locate any ePayData reviews that describe the company as a scam. In fact, the company is showing almost a total absence of reviews, either positive or negative, on all consumer protection websites. We did find one negative Yelp review from a client who describes ongoing charges after paying off a loan taken out with the company. ePayData does not currently offer loans but rather cash advances. If you have your own ePayData review to make, please do so in the comments below.

ePayData Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against ePayData. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

ePayData Customer Support Options

ePayData offers phone and email support but does not currently qualify as a top-rated payment processor for customer service.

The company’s low complaint volume is indicative of either a capable and responsive support team at ePayData or the possibility that ePayData outsources its customer support to its backend processor. In the latter case, many ePayData complaints might end up on alternate online profiles. In the absence of any evidence that this is occurring, however, we are awarding ePayData an “A” in this category.

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

ePayData, Inc. Online Ratings

Here's How They Rate Online

Online Ratings Summary

BBB Reports 0

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

Key Points

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

Three-Year Agreement

An early version of ePayData’s standard contract is available, though not much information about the company’s current contract is. ePayData does resell the services of Priority Payment Systems so it is likely that their newer contract resembles Priority’s.

Priority Payment Systems’ standard contract is a three-year service term with an early termination fee that can range from $200 to over $600, an annual fee of $129.99, a monthly minimum fee of $25, and an unspecified PCI Compliance fee. The company also appears to offer a tiered pricing structure that may not be appropriately disclosed at the point of signing.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, ePayData also dedicates a portion of its website to advertising its virtual terminal and payment gateway services called SurePay. However, pricing is not disclosed on those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.


The company’s website also advertises a plan specifically for non-profit organizations. The name of the plan is ePayDonate. This service can allow non-profits to take donations in-person, over the phone, or online. however, ePayData doesn’t specify any pricing on their donation-based plan.

Negotiate Your Fees

Given ePayData’s reliance on independent contractors, it is likely that fees will vary from agent to agent and are somewhat negotiable. Readers are strongly encouraged to negotiate for these fees to be lower or eliminated entirely to get terms to be more competitive with the cheapest merchant accounts.

ePayData ePayDonate for non-profits

ePayDonate is ePayData’s platform for non-profit donations

ePayData, Inc. Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

Uses Independent Resellers Yes
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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Your Comments & Reviews

How Did ePayData, Inc. Treat You?

1 Responses

  • 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..

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