We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.
All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.
In this review of Eureka Payments, a merchant account provider based in Eureka, California founded in 2010, we take a close look at their offerings for small and mid size businesses. We examine their payment processing services including credit and debit card transactions, mobile and online payments, gift card services, virtual terminals and the Clover POS system. The review also evaluates how transparent their pricing is, their contract terms including early termination and monthly fees, and what customers report about trust and support. Along the way we highlight both local benefits like free terminals and receipt rolls for businesses in South Oregon and Northern California and warnings about possible additional fees. By the end you will have a clear picture of whether Eureka Payments is a good fit for your payment processing needs.
Eureka Payments handles transactions for most major debit and credit cards, serving various business types. Their services include the Clover POS system, access to a payment gateway, gift cards, and online and mobile payment solutions.
Custom Gift Cards
Eureka Payments provides custom gift card services, enabling businesses to offer branded gift cards to their customers.
Mobile Payments
Eureka Payments offers mobile payment solutions, allowing businesses to process transactions conveniently on-the-go.
Terminal & POS Deployment
Eureka Payments supports the deployment of terminals and POS systems, integrating payment processing into various sales systems for businesses.
Local Benefits
For businesses in South Oregon and North California, Eureka Payments offers several local benefits, including free use of a “Chip Card” terminal, free receipt tape, integration with various POS systems, local service and support, and a PCI Portal for assistance with PCI compliance.
Customer Reviews & Sentiment
Clean Complaint Record
We are currently unable to locate any negative Eureka Payments reviews, and there is no evidence to suggest that the company is a scam or a ripoff. As noted above, the company’s Facebook page showcases a large number of testimonials praising Eureka’s sales team, pricing, and customer service. This reflects positively on the company, especially when compared to the total absence of Eureka complaints. If you have your own Eureka Payments review to make, please do so in the comments below.
Eureka Payments Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Eureka Payments. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Eureka Payments Customer Support Options
Eureka offers phone and email customer support contact information on its website. The lack of complaints against the company suggests that these lines perform as well as the top merchant accounts for customer service.
Industry Scores & User Ratings
Online Ratings Summary
PaymentPop
5
BBB Rating
N/A
Google Maps
3.3
Average Rating
3.3
PaymentPop Rating for Eureka Payments
Negative Feedback
There are no negative reviews published about Eureka Payments on the PaymentPop website.
Positive Feedback
Eureka Payments made it easy to integrate payment processing into our existing systems without disrupting our workflow. Everything’s been running smoothly, and their support team is always available when we need them. It’s dependable service we can count on.
Eureka Payments BBB Rating
The Better Business Bureau currently assigns an “A+” to Eureka Payments and has not granted the company BBB accreditation. Eureka has received 0 complaints in the last 3 years, and it has also not received any informal reviews through the BBB.
Eureka Payments has a 3.3 out of 5 star rating based on 7 user reviews on Google Maps.
Positive Feedback
Eureka Payments has the best customer service, but it’s their honest pricing that is really stand out. If they can’t save you money, then they will let you know and suggest the best route. No hidden fees.
Negative Feedback
Hidden fees.. just look at your statement. There is a reason they fight you on getting it. If your business needs are anything more than a basic terminal. Go elsewhere.
Processing Rates & Fees
Eureka Payments Contract Flexibility
Specific details regarding the standard Eureka Payments contract are currently scarce. The company’s website does not provide pricing information, and reviews from clients also lack mention of rates or fees. Notably, Eureka Payments highlights its commitment to transparency by advertising no application fees, monthly minimum fees, early termination fees, activation fees, or annual fees. A testimonial on Facebook also confirms the absence of a long-term contract requirement. Eureka Payments likely tailors its pricing and fees to individual merchants based on factors such as business size, type, and processing history. Additionally, Eureka affirms that it does not engage in equipment leasing.
E-commerce Solutions Pricing
Apart from its in-store payment processing services, Eureka Payments promotes its virtual terminal and payment gateway services. However, pricing details for these services are not disclosed. Additional charges such as gateway fees, technical support fees, batch fees, and supplementary transaction rates are typically applicable to these e-commerce services.
Regional Considerations
Eureka’s contract terms are notably influenced by geographic focus, particularly targeting businesses in southern Oregon or northern California. It remains uncertain whether the company extends its services beyond this region or offers different contract terms to remote clients. This distinction is critical, especially considering that Eureka’s local pricing appears competitive even among the cheapest merchant accounts. Despite the absence of complaints regarding Eureka’s pricing, potential clients are advised to thoroughly review all relevant documentation before proceeding.
Explore Eureka Payments’ diverse e-commerce solutions, including virtual terminals and payment gateways
Employee Reviews & Sales Practices
In-House Sales Team
Eureka Payments appears to primarily market its services via strategic partnerships and targeted advertising. There is no evidence that the company employs a large team of independent sales agents, and we cannot find any Eureka Payments reviews that accuse the company’s sales team of deceptive tactics. In fact, there are a large number of positive testimonials about the company’s sales staff on the Eureka Payments Facebook page. We generally don’t factor Facebook testimonials into our reviews because Facebook pages are controlled by the companies being reviewed, but positive reviews are certainly better than negative reviews.
Improved Rate Quotes
At the time of an earlier review, the Eureka Payments website stated that the company’s rates “can be as low as .39%” based on the applicant’s business type and volume. This claim likely referred to Eureka’s Qualified debit rate, while it made no mention of the higher Mid-Qualified and Non-Qualified rates that clients will pay on most of their transactions. Readers who see this quote should heed the company’s language and be aware that their effective rates will almost certainly exceed 0.39%. If you are a current Eureka client, we recommend seeking a third-party statement audit to confirm that you are being charged appropriately.
Eureka Payments Competitors
Compare Eureka Payments to competitors that earned top marks.
Eureka Payments rates as a reliable credit card processing provider according to all available information. Since its founding in 2010, the company has garnered exclusively positive feedback from clients, reflecting a consistent track record of delivering quality service. Its strong performance in client reviews places Eureka Payments in direct competition with some of the top-rated all-purpose credit card processors. Businesses seeking a dependable provider should consider Eureka Payments while ensuring they thoroughly understand the company’s terms and compare its pricing to other top-tier processors.
