ePaymentAmerica Reviews & Complaints
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 Customer Reviews
Here's What Their Clients Say
Total Online Complaints | 10+ |
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Live Customer Support | Yes |
Most Common Complaint | Telemarketing |
Few Recent Complaints
Our research has uncovered around ten negative ePaymentAmerica reviews on consumer protection sites. These reviews don’t categorize the company as a scam or ripoff. Most complaints, dating back over three years, focus on unwanted sales calls. Other criticisms appear to be isolated incidents or lack specific details. Feel free to share your own experiences with ePaymentAmerica in the comments below.
ePaymentAmerica Lawsuits
No class-action lawsuits or FTC complaints have been located against ePaymentAmerica. Merchants desiring non-litigious dispute resolution may consider reporting their experiences to relevant supervisory organizations.
ePaymentAmerica Customer Service Options
ePaymentAmerica offers an automated form, email, and phone support for customer inquiries. They operate customer service from 8:00 am to 5:00 pm CST, with a commitment to respond to after-hours queries within 24 hours. Additionally, their website includes a merchant account manual and a user portal for existing customers for immediate assistance.
The following are the ePaymentAmerica customer service contacts:
(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
An email support address is also available at [email protected].
While ePaymentAmerica has a satisfactory customer service record, there’s no indication it ranks as a top merchant account provider for customer service currently.
ePaymentAmerica Online Ratings
Here's How They Rate Online
Total Complaints | 0 |
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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
Swiped Rate | 2.69% + $0.19 |
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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
ePaymentAmerica offers a three-year agreement through First Data (Fiserv) with details regarding early termination fees and monthly minimum fees not publicly specified. For context, similar First Data (Fiserv) agreements typically include a swipe rate of 2.69% plus $0.19 and a keyed rate of 3.69% plus $0.19. While the specific ePaymentAmerica fees for statements, PCI compliance, and per-transaction charges are not detailed, it’s common for First Data (Fiserv) agreements to include an early termination fee up to $495 and a PCI compliance fee of $19.95 monthly. Equipment leases with First Data Global Leasing span 48 months and are non-cancellable.
Virtual Terminal and Payment Gateway Pricing
ePaymentAmerica provides access to Payeezy, the First Data (Fiserv) payment gateway, highlighting two pricing plans: Basic and Pro. The Basic Plan features a 2.90% plus $0.30 rate, with no setup, gateway, or batch fees. The Pro Plan offers a reduced rate of 1.89% plus $0.23 and a monthly fee of $19.95, without imposing setup, gateway, or batch fees.
Industry-Average Pricing
There are no prominent public complaints regarding ePaymentAmerica’s pricing, suggesting a general merchant satisfaction with the provided rates and fees. Consequently, ePaymentAmerica is rated “A” in this regard, although it’s not classified as the most affordable credit card processor. Merchants are advised to obtain all relevant documents, including fee schedules and equipment lease agreements, before initiating a merchant account with ePaymentAmerica.
ePaymentAmerica Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | Yes |
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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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Generoso DeLillo
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.