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ePaymentAmerica Review: Fees, Comparisons, Complaints & Lawsuits
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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 Customer Reviews
Here's What Their Clients Say
|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.
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
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|
|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)|
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.
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 Employee Reviews & Sales Tacitcs
Should You Work For Them?
|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.
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