ePaymentAmerica Overview

ePaymentAmerica May Have Overcharged You

If you accepted credit cards through ePaymentAmerica or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

A First Data Reseller

Founded in 2004, ePaymentAmerica is a merchant account provider that serves most domestic, standard-risk business types. The company resells First Data 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.

Based in Tennessee

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 7556 U.S. 70, Ste. 200, Memphis, Tennessee 38133.

ePaymentAmerica Review Table of Contents

  • Costs & Contract: ePaymentAmerica offers a three-year agreement through First Data with a variable early termination fee. The company utilizes the Payeezy payment gateway.
  • Complaints & Service: ePaymentAmerica has received more than 10 public complaints.
  • BBB Rating: ePaymentAmerica has an “A+” rating and has not received any complaints in the past three 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.
  • Rates & Fees: How Merchants Got The Best Rates With ePaymentAmerica
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Legal

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ePaymentAmerica Rates, Fees, and Costs

Key Points

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 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’s 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 the company charges other fees, such as statement fees, PCI compliance fees, and per-transaction fees, but these costs are not listed in the document below. First Data’s 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 agreement are not cancellable, lasting for 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 that advertises its virtual terminal and payment gateway through Payeezy, First Data’s 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 to 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.

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Response from ePaymentAmerica

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ePaymentAmerica Complaints & Customer Reviews

Key Points

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.

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 Support Options

The company does not offer a customer support phone number on its website, so it’s likely that it simply outsources support to First Data. ePayment America does provide an automated form 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 withing 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. 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.

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Response from ePaymentAmerica

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ePaymentAmerica BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery 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, nor has it had 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.

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Response from ePaymentAmerica

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Truth In Marketing & Advertising

Key Points

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 almost 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 complaints 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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Response from ePaymentAmerica

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ePaymentAmerica Marketing Example

ePaymentAmerica Logo

Our Opinion of ePaymentAmerica

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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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,156,834 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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