eVance Processing Inc. Review

eVance Processing Overview

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Acquisition by OLB Group

eVance Processing (evanceprocessing.com) is a merchant account provider offering services as a credit card processor along with e-commerce and mobile phone processing solutions. Though initially created as a subsidiary of Excel Corporation, in April 2018 eVance Processing (along with eVance Capital) was acquired by The OLB Group, Inc., a cloud-based business service provider for eCommerce, mCommerce, and brick-and-mortar customers.

Calpian Acquisition

In December 2015, Excel Corporation acquired Calpian Commerce under the newly created eVance Processing brand, making Calpian and all of its subsidiary companies the property of eVance. eVance Processing appears to refer to itself as Calpian Commerce in some of its sales copy. Calpian was itself created in 2013 from the assets of the bankrupt Pipeline Data, an Alpharetta, Georgia-based credit card processor. Separately from its Calpian acquisition, Excel Corporation also purchased Securus Payments in 2014 and then in 2015 signed an exclusive preferred marketing agreement between Chyp and eVance Processing. A partial list of companies that have been absorbed into the Calpian and eVance brands includes the following:

Due to the various restructurings that this organization has undergone in the past few years, this list may be subject to change at any given point.

Location and Ownership

eVance Processing is a registered ISO/MSP of Citizens Bank N.A., Providence, RI; Fifth Third Bank, Cincinnati, OH; Merrick Bank, South Jordan, UT;  Elavon; and Wells Fargo Bank, N.A., Walnut Creek, California. The company’s website lists its headquarters at 950 North Point Parkway, Suite 400 Alpharetta, Georgia 30022, but it is actually registered in the state of Georgia at 4400 North Point Parkway, Ste. 295, Alpharetta, Georgia, 30022, the old headquarters for both Pipeline Data and Calpian Commerce. Craig Jessen is the CEO of eVance Processing.

eVance Processing Inc. Review Table of Contents

  • Costs & Contract: eVance Processing offers a two-year contract through Merrick Bank with a liquidated damages-style early termination fee.
  • Complaints & Service: eVance Processing has received more than 10 public complaints.
  • BBB Rating: eVance Processing has an “A” with the Better Business Bureau and has received 19 complaints in the past three years.
  • Sales & Marketing: eVance Processing utilizes independent sales partnerships and has received some merchant complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With eVance Processing

eVance Processing Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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eVance Processing Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Early Termination Fee $350+
PCI Compliance Fee $89/mo
Equipment Lease Terms 48-month (locked)

Beware Liquidated Damages

According to the eVance Processing terms and conditions (available below), the company’s standard contract is a two-year agreement with automatic renewal for two-year terms and a liquidated damages-style early termination fee that is calculated “by multiplying (a) the number of months remaining from the date of termination to the end of the current Term, by (b) the average monthly processing fees paid by Merchant to Provider, plus Provider’s costs and attorneys’ fees incurred in connection with Merchant’s termination of this Agreement.” The company does not provide further pricing or terms on its website, but this uncapped cancellation fee alone is enough to warrant a “D” rating in this section.

Potentially Varied Terms

These are merely the company’s terms and conditions through Merrick Bank. It’s possible that eVance might also offer contract terms similar to those offered by Calpian Commerce’s subsidiaries (a three-year term with a $350 early termination fee and a PCI compliance fee of up to $185) or those offered by Securus Payments and Chyp (variable merchant account contract terms with 48-month, non-cancellable equipment leases). The company’s use of independent sales agents may allow for further variation in its pricing and fees.

Higher-Than-Average Pricing

We have located multiple merchant complaints that mention unauthorized billing and fees. The track records of Pipeline Data, Calpian Commerce, Securus Payments, and Chyp are also uniformly negative in this category. In our view, eVance Processing’s merchant agreement terms are not competitive with those offered by the cheapest merchant account providers. See the eVance Processing Terms and Conditions.

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Response from eVance Processing

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eVance Processing Complaints & Customer Reviews

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Billing Errors

A Variety of Complaints

We are currently able to locate more than a dozen negative eVance Processing reviews outside of the BBB, some of which accuse the company of being a scam. Common complaints include fund holds, unauthorized billing, undisclosed fees, and poor customer service. In addition, eVance’s corporate partners and subsidiaries like Securus Payments, Chyp, Pipeline Data, and Calpian Commerce have together amassed hundreds of serious complaints online. It’s therefore possible that some of the complaints filed against these entities are applicable to the same team that currently owns and operates eVance Processing.

eVance Processing Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against eVance Processing. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Concerning Merchant Feedback

eVance Processing does appear to offer live phone support to all of its merchants, although it’s unclear whether this line is directly serviced by eVance or by its acquiring banks. The company also offers a support ticket system through SecurePay. As we have in other sections of this review, we will assign eVance a rating that reflects merchant feedback about eVance as well as its organizational affiliations and history. eVance Processing’s support options are not sufficient to qualify it as a top-rated merchant account provider for customer service.

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Response from eVance Processing

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eVance Processing BBB Rating Summary

Key Points - BBB

Product & Service Complaints 8
Billing & Collection Complaints 10
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 10 Complaints

eVance Processing has been accredited with the Better Business Bureau since May 2015 and currently has an “A” rating. The company has received 19 complaints in the past three years, with 10 related to billing and collection disputes, eight due to product or service problems, and one related to advertising or sales. Four complaints were resolved to the satisfaction of the complainant, while the remaining 15 either were resolved to the complainant’s dissatisfaction or did not receive a final response from the complainant.

What Merchants Say

One complaint, similar to several others, details unauthorized withdrawals and withheld funds:

Unauthorized withdraws from my bank account, based on an account closed in 2013 I had been using securepay to process credit cards for my small business. In 2013 they closed my account and opened a new account, supposedly with better terms than my previous account. As a busy business owner I hadn’t been watching my account as carefully as I should have, but recently I noticed that there were PCI fees being taken from my checking account 3 times a month on a monthly basis in the amounts of $59, $15 and $15. $89 a month for the past 2 years. This didn’t seem right to me, since I had been completing the PCI compliance forms quarterly as required to stay pci compliant. So I contacted securepay and was informed that these fees were charged based on my account that was CLOSED in 2013. They claim that I logged in to the closed account and attempted to process a card, which I according to them, jump starts billing to the closed account. I never requested to re open this account and was not notified that there would be new charges. For 2 years at this rate that’s over $2000 that was taken from my account, without my consent, from an OLD account who’s contract is no longer valid. So you’d think they’d apologize for their mistake and refund my money right? No, they refused to return any of the funds that were withdrawn from my account beyond 60 days. They drained $2136 (estimated based on 2 years of monthly charges) and have offered to refund $150 of it. Their reason being I didn’t tell them soon enough. Be aware of this company and watch your bank account. They can’t be trusted and are unwilling to do what is right even knowing they are in the wrong.

Merchants in this situation should look into how to make their payment processor release their money.

A “B” Performance Overall

In light of eVance’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B.”

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Response from eVance Processing

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Independent Sales Team

Like Calpian Commerce and Pipeline Data before it, eVance Processing appears to primarily rely on ISOs like Chyp as well as independently contracted agents to market its services. This strategy produced a large number of complaints for Pipeline Data but seemed to result in a much lower complaint total at Calpian. We are currently able to find a handful of eVance Processing complaints that mention undisclosed fees and negative experiences with sales agents. In addition, its exclusive marketing partner Chyp is already starting to receive negative reviews related to its sales team. If you suspect that eVance Processing is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

A Problematic History

eVance deserves some credit for not prominently advertising deceptive rate quotes or guarantees on its website. However, its current corporate affiliations and organizational history do not suggest that merchants are likely to receive a positive sales experience. We will assign the company a “C” in this category for now.

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Response from eVance Processing

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eVance Processing Logo

Our Opinion of eVance Processing

Not a Competitive Option for Most Merchants

eVance Processing rates as a below-average merchant services provider according to our rating criteria. The brand has a long history under several other names, and a few eVance Processing complaints accuse the company of being a ripoff. For now, we have graded eVance in a way that is consistent with merchant complaints about its partners and subsidiaries; this rating may be subject to change as the company develops a reputation of its own. Merchants interested in signing up with eVance Processing are advised to request and review all documentation before signing up and to consider opting for a top-rated merchant account instead.

We rely on your feedback about eVance Processing to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. 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 here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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7 Reviews Leave Your Review for eVance Processing Below

  1. Jim Stansbury says:

    This company is a SCAM. They will triple and quadruple your rates, pillage your account and do everything they can to rip off your company for as much money as possible. AVOID THEM. You will thank yourself later.

  2. Michael says:

    On Dec. 1 of 2015, they took a very large unauthorized amount out of my account. So much that it put my business account into the negative and caused numerous overdraft fees. They acknowledged the mistake but said it could take up to 15 days to put it back and they would refund my money. Unfortunately, the bank I work with doesn’t care. It is now the 21st and I have not seen a refund. To add insult to injury, my customers can’t make it through the checkout process because it declines their cards. I’ve sent numerous emails since this has started and have gotten nothing. They have literally crippled my business. DO NOT USE THEM AS YOUR CC PROCESSOR. What they are doing is fraud.

    1. Michael says:

      As of 1/5/2017, my money plus the overdraft fees have not been returned. To top it off, they have taken another large sum of money out of my account today. For the last month, overtime I called they would tell me the refund is on the way and should be showing up any day. Today they are claiming that the refund was rejected even though Wells Fargo has no record of it going through. I’m waiting to hear back from Dorion McMillian on how they are going to fix this new situation. Unfortunately, if I’m going to get any money back, I have to keep working with them. I will update shortly. This mess started on December 1st. They have crippled my business.

      1. Toni Drugmand says:

        They are a nightmare. Get out as soon s you can and DO NOT trust them with your money!

        We spent 6 weeks trying to work with them and nothing they promised was delivered. They charged us all kinds of miscellaneous fees, we were promised reimbursements which we NEVER received.

  3. Laura says:

    For the last two weeks I have been attempting to get a hold of this company via email AND phone. Every extension defaults to the same answering machine. In addition to being unable to contact a customer service agent (this is the company that processes cards on my website) they have changed their company name without notification, charging roughly 37.00 per month via automatic debit to my bank for services NOT rendered.

    Since I can’t seem to get anyone on the phone and the BBB has two alternate company names – one of them being securepay.net – SAME TELEPHONE NUMBER. You guessed it – same voicemail too.

    I DO NOT recommend hiring a credit card processing company you can’t get on the phone, ever!

  4. Pauline murphy says:

    I currently have two accounts with this company. I am in the process of moving my accounts due to there poor customer service and time management of handeling issues. It has taken me over a month to recieve a refund for PCI compliance that the company unauthorized removed funds from my account and on five different occasions been sent the pci certificates. The supervisor guaranteed a refund by a certain date and still was not processed for another five and did not return phone calls. Extremely unprofessional.

    1. Laura says:

      Pauline – I can’t believe you even got someone on the phone! How long did it take them to get back to you?

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