Eureka Payments: Card Processing Reviews & Complaints
Eureka Payments is a Eureka, California-based merchant account provider that was founded in 2010 by a group of former executives from Humboldt Merchant Services. The company appears to be a reseller of Moneris Solutions and Clover POS.
Before we dive in, here’s a short summary of what we’ll cover:
- Eureka Payments’ various payment processing services.
- The company has received few complaints.
- There is little information about the Eureka contract.
- Eureka is specifically focused on local companies.
Eureka Payments Payment Processing
Eureka Payments processes most major debit and credit cards for most business types. Their services include the Clover POS system, access to a payment gateway, gift cards, and online and mobile solutions.
Custom Gift Cards
Eureka provides custom gift card services, allowing businesses to offer branded gift cards to their customers.
The company also offers mobile payment solutions, making it convenient for businesses to process transactions on-the-go.
Terminal & POS Deployment
Eureka Payments supports terminal and point-of-sale (POS) system deployment, integrating payment processing in various sale systems for businesses.
For businesses in South Oregon and North California, Eureka Payments offers free use of a “Chip Card” terminal, free receipt tape, integration with many POS systems, local service and support, and a PCI Portal for PCI compliance assistance.
Location & Ownership
Table of Contents
- Costs & Contract: Appears to offer variable contract terms depending on…
- Complaints & Service: Has received fewer than…
- BBB Rating: Has an “A+” with the Better Business Bureau and has received…
- Sales & Marketing: Does not appear to hire independently contracted agents and has not…
Eureka Payments Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
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.
Eureka Payments Customer Service Number
(877) 476-0570 – Toll-Free Support
Eureka Payments Online Ratings
Here's How They Rate Online
Online Ratings Summary
No BBB Complaints
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.
An “A” Performance
We agree with the BBB’s former rating at this time, but readers are advised to view any BBB rating with skepticism.
Eureka Payments Fees, Rates & Costs
A Closer Look at The Contract
|Processing Rates||1.00% - 4.99%|
|Monthly & Annual Fees||Unclear|
There is very little specific information about the standard Eureka Payments contract at this time. The company does not disclose details of its pricing on its website, and the available client reviews of Eureka Payments don’t list any rates or fees. The Eureka Payments website advertises no application fees, monthly minimum fees, early termination fees, activation fees, or annual fees, and one testimonial on Facebook states that the company does not require a long-term contract. It’s likely that Eureka Payments customizes its pricing and fees for each merchant according to business type, size, and processing history. Eureka states that it does not lease equipment.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Eureka Payments also advertises its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Many of Eureka’s contract terms are advertised under the condition that clients must be based in southern Oregon or northern California. It is unclear whether the company serves businesses outside of this area, or whether remote clients simply receive different contract terms. This is an important distinction, as Eureka’s local pricing appears to be competitive with even the cheapest merchant accounts. The total lack of complaints about Eureka’s pricing has earned the company an “A” rating in this category, but potential clients are still encouraged to carefully review all relevant paperwork.
Eureka Payments Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
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.
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