ePaymentAmerica Review: Fees, Comparisons, Complaints & Lawsuits

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ePaymentAmerica Rating
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image of a phone image of a phone that changes when your mouse hovers over it (901) 385-5353 View Pricing

A First Data (Fiserv) Reseller

Founded in 2004, ePaymentAmerica is a merchant account provider that serves most domestic, standard-risk business types. The company resells First Data (now Fiserv) products and services such as Clover and Revel Systems POS solutions and is a subsidiary of TX Direct. It specializes in offering retail merchant accounts, manufacturing merchant accounts, e-commerce merchant accounts, legal merchant accounts, and non-profit merchant accounts.

ePaymentAmerica Payment Processing

ePaymentAmerica processes all major debit and credit cards for standard-risk businesses. Their services include POS solutions from Clover and Revel, wireless and mobile solutions, PCI compliance, e-commerce solutions including shopping carts, MOTO, recurring billing, loyalty programs, fraud and chargeback protection, data reporting and analytics, and cash advances.

ePaymentAmerica Location & Ownership

ePaymentAmerica is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Christopher S. Reckert is the president and CEO of ePaymentAmerica, which is headquartered at 6026 Stage Rd Bartlett, TN 38134

ePaymentAmerica Review Table of Contents

  • Costs & Contract: ePaymentAmerica offers a three-year agreement through First Data (Fiserv) with a variable early termination fee. The company utilizes the Payeezy payment gateway.
  • Complaints & Service: ePaymentAmerica complaints number more than 10 on public complaints forums.
  • BBB Rating: ePaymentAmerica has an “A+” rating and has not received any complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2007.
  • Sales & Marketing: ePaymentAmerica appears to hire independently contracted agents and has received a few complaints about its sales team.
ePaymentAmerica payment processing

ePaymentAmerica offers standard payment processing services

ePaymentAmerica Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Telemarketing

Few Recent Complaints

We have located approximately ten negative ePaymentAmerica reviews across all consumer protection websites, but none of these reviews go so far as to accuse the company of being a scam or a ripoff. As noted above, most ePaymentAmerica complaints are related to persistent, unwelcome sales calls and are over three years old. The few other complaints are isolated incidents or are vaguely stated. If you have your own ePaymentAmerica review to make, please do so in the comment section below.

ePaymentAmerica Lawsuits

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

ePaymentAmerica Customer Service Options

ePayment America provides an automated form, an email, and a phone number for support issues. The company lists its customer services hours as being between 8:00 am to 5:00 pm CST. Furthermore, its website states that any support requests submitted outside of those hours will be responded to within a 24-hour window. The company does include a copy of its merchant account manual online for troubleshooting while maintaining a user portal for current customers.

We have located multiple ePaymentAmerica customer service numbers:

(888) 221-2203 – Toll-Free General Customer Service
(888) 385-5357 – Toll-Free Fax
(901) 385-5395 – Local Office Number
(901) 385-5356 – Local Fax

ePaymentAmerica also offers a customer support email address at [email protected].

In general, there is no reason to believe that ePaymentAmerica has any issues with its customer service at this time, but there is also no reason to consider it a top merchant account provider for great customer service.

ePaymentAmerica Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

No BBB Complaints

ePaymentAmerica currently has an “A+” rating with the Better Business Bureau and has been accredited since 2007. The company has received 0 complaints in the past 36 months, and it has also not received any informal reviews posted to its BBB profile.

An “A” Performance Overall

Given the company’s clean complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

ePaymentAmerica Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminate Rate Up to 2.90% + $0.30
Payment Gateway Fee None
Pro Plan Fee $19.95 Per Month
Early Termination Fee $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

Three-Year Contract

The standard ePaymentAmerica contract is a three-year agreement through First Data (Fiserv) with an unspecified early termination fee and an unspecified monthly minimum fee. For reference, this review reflects the key pricing points found in First Data (Fiserv) merchant agreements. Under those terms and conditions, merchant accounts are charged 2.69% plus $0.19 or 3.69% plus $0.19 for swiped and keyed-in transactions, respectively.

It’s likely that there are other ePaymentAmerica fees, such as statement fees, PCI compliance fees, and per-transaction fees, but these costs are not listed in the document below. The First Data (Fiserv) merchant agreement includes an early termination fee of up to $495 as well as a PCI compliance fee of $19.95 per month. First Data Global Leasing’s leasing agreements are not cancellable and cover a period of 48 months.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, ePaymentAmerica also dedicates a portion of its website to advertising its virtual terminal and payment gateway through Payeezy, the First Data (Fiserv) payment gateway. Payeezy offers 2 plans: its Basic Plan and Pro Plan. The Basic Plan charges a rate of 2.90% plus $0.30, although it does not impose any setup, gateway, or batch fees. The Pro Plan charges a lower rate of 1.89% plus $0.23 and none of the aforementioned fees, although it does charge a monthly fee of $19.95.

Industry-Average Pricing

ePaymentAmerica is not showing any public complaints related to its pricing at this time, which indicates that most of its merchants are satisfied with the rates and fees they pay. We will therefore grant the company an “A” rating in this category for the time being, but we do not consider the company to be an especially cheap credit card processor. Merchants should be sure to request all documentation, including separate fee schedules or equipment lease agreements, before opening a merchant account through the company.

ePaymentAmerica payment gateway

ePaymentAmerica offers e-commerce solutions including payment gateways and virtual terminals

ePaymentAmerica Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Telemarketing and Outside Agents

ePaymentAmerica appears to market its services through a combination of telemarketing, strategic partnerships, and independent sales agents. The company’s website also advertises its “Agent Reseller” and “Reseller Referral” programs. Telemarketing is commonly linked to complaints within the credit card processing industry, and ePaymentAmerica appears to be no exception. This website lists ten ePaymentAmerica complaints related to persistent telemarketing issues from 2010 to 2012. No new complaints have been filed in the last three years, so this issue won’t impact the company’s grade too harshly.

No Red Flags

We have found no ePaymentAmerica reviews that mention unethical behavior by ePaymentAmerica’s sales agents, and the company’s website does not prominently list any misleading rate quotes or unrealistic guarantees. We will therefore assign ePaymentAmerica an “A” rating in this category. If you suspect that ePaymentAmerica is charging you undisclosed fees, we recommend seeking an independent third-party statement audit to find and eliminate unnecessary fees.

Our ePaymentAmerica Review Summary

Our Final Thoughts

A Solid Option for Most Businesses

ePaymentAmerica rates as a reliable merchant services provider according to our rating criteria. The company has a low complaint total over the past three years, but its industry-average contract terms prevent it from equaling the value offered by a top-rated payment processor. Our rating may be subject to change once more is known about its specific rates and fees.

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Your Comments & Reviews

How Did ePaymentAmerica Treat You?

1 Responses

  • Generoso DeLillo

    Yolandas Guesthouse

    I feel scammed by a rep. of epaymentamerica I have had my business and the same bank 18 years under my banks direction I connected with the e paymentamerica rep. on 12/7/2022 by 12/9/2022 his partner arrived at my business all forms business license drivers license bank statements pictures of business were all handed over in person.a week later the same person returned for more info and promised the cc terminal by the first of dec.2022.never happened after several calls and emails on 12/14/2022 i was called and had to go to my bank have a bank form created and emailed to your rep.I became alerted and called epaymentamerica direct I recived a call after 6 pm from another person claiming to be the regional manager that was working on my case. I felt as though he was interrogating me. questions like my social media platforms even wanted to run a credit check. i have 3 different businesses with cc terminals all different I have been in several businesses since 1972 and according to the federal trade commission these actions should be brought to your companies attention. I did phone your headquarters spoke to a nice lady that could not direct me for this complaint.I researched your company and found all good things All my business and personal info is in limbo? I hope you can help me with answers that make sense . I want to add that I did reach out to another cc terminal company on 12/20/2022 They emailed the forms asked for a copy of my business and drivers license filled out and emailed back and my cc terminal was delivered by 12/23/2022.this business is a guest house we had to turn business away for lack of credit card processing.If this is the wrong dept. please inform me of the right dept.this makes epaymentamerica look bad.

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