eVance Processing Reviews and Complaints
Overview
In this article, we provide an insightful overview of eVance Processing, a notable player in the merchant account services sector, known for its credit card processing, e-commerce, and mobile payment solutions. We examine key aspects of the company including its rates and fees, contract terms, and the range of common complaints and industry ratings it has garnered. Insights into both employee and user reviews will offer a rounded perspective on the company’s performance and reputation.
We delve into eVance's specific offerings like its payment gateway, SecurePay, and its various processing solutions, including point-of-sale systems and mobile payment processing. Our article also addresses the company's commitment to security and fraud prevention, essential for understanding the reliability of their services.
We'll touch upon the company's complex history, including its acquisitions and legal challenges, and wrap up with a succinct analysis of the pros and cons of choosing eVance Processing for your business needs. This overview is designed to provide readers with a clear, concise understanding of eVance Processing's position in the merchant services landscape.
About eVance Processing
eVance Processing is a merchant account provider offering services as a credit card processor along with e-commerce, mobile phone processing solutions, and a cash discount program. 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. The OLB Group also processes through Omnisoft.io Inc. and CrowdPay.us, Inc.
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:
- Pipeline Data
- Securus Payments
- Cardaccept.com
- Northern Merchant Services
- AIRCHARGE
- SecurePay
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.
eVance Payment Gateway
eVance offers their own payment gateway called SecurePay. This gateway offers features such as accepting EMV and Apple Pay, PCI compliance, recurring billing, variable batch time, SecureGuard security, Easy Shop shopping carts, 24/7 support, customer vaults, API help, and integration with third-party shopping carts.
Processing Payment Solutions
eVance Processing is a credit card processing company that offers a range of payment solutions tailored to businesses of various sizes and industries. This independent review will explore the services provided by eVance Processing to help you understand what they offer in the realm of credit card processing.
Point-of-Sale Systems
eVance Processing provides customizable point-of-sale (POS) systems designed to cater to different industries, including retail, hospitality, and healthcare. These systems are intended to be user-friendly and come equipped with features like inventory management and integration with accounting software.
Mobile Payment Processing
The mobile payment processing service offered by eVance Processing enables businesses to accept payments using a smartphone or tablet. This feature can be particularly useful for businesses operating outside traditional brick-and-mortar settings or those looking to provide more convenient payment options for their customers.
Virtual Terminal Services
eVance Processing offers a virtual terminal service for processing phone and mail orders. This service allows businesses to handle remote transactions securely through an internet-connected device, catering to businesses that require a solution for processing payments without a physical card reader.
Security Measures and Fraud Prevention
eVance Processing prioritizes security and fraud prevention by adhering to industry standards such as PCI compliance and implementing advanced security measures. This approach helps protect sensitive data and minimize the risk of fraud, ensuring a secure transaction process for both businesses and their customers.
Location & Ownership
eVance Processing is a registered ISO/MSP of Wells Fargo Bank N.A., Concord, CA; Synovus Bank., Columbus, GA; Esquire Bank Jericho, NY; Elavon, Inc. GA a wholly-owned subsidiary of U.S. BankCorp., Minneapolis, MN; and Fifth Third Bank, N.A. Cincinnati, OH, USA. The company's website lists its headquarters at 960 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. As of this update, Ronny Yakov is listed as the CEO of eVance Processing.
| Pros: | Cons: |
|---|---|
| SecurePay integration. | Locked equipment lease. |
| Zero setup fee. | Early termination fee. |
| PCI compliant. | Three-year contract. |
| 24/7 support. | Non-disclosed terms. |
| Recurring billing. | PCI compliance fee. |
| Low business risk tolerance. | Above-average pricing. |
eVance Processing Customer Reviews
Here's What Their Clients Say
| Total Online Complaints | 20+ |
|---|---|
| Live Customer Support | Yes |
| Most Common Complaint | Billing Errors |
| Recent Lawsuits | Yes |
Understanding Complaints Against eVance Processing
We have found over 20 negative reviews of eVance Processing outside of the BBB, with accusations ranging from scam allegations to a variety of customer service issues. The primary complaints about eVance Processing include unauthorized billing, undisclosed fees, fund holds, and subpar customer support. Furthermore, associated companies such as Securus Payments, Chyp, Pipeline Data, and Calpian Commerce, which share a corporate relationship with eVance Processing, have accumulated numerous complaints that may reflect on the operational standards and practices of eVance Processing. Customers are encouraged to share their experiences with eVance Processing in the comments section to provide further insight.
eVance Processing Legal Challenges
A significant legal action involving eVance Processing was initiated in July 2020 when Aperia Solutions filed a lawsuit alleging breach of contract with eVance Processing Inc., which had its contract sold to another entity, eVance, Inc. The outcome of this lawsuit remains uncertain, and its implications for eVance Processing’s operations and reputation are yet to be fully understood.
For those seeking alternatives to litigation, reporting concerns to appropriate regulatory organizations is a recommended course of action.
eVance Processing Support Services
eVance Processing provides its clients with live phone support, though it is not explicitly stated whether this service is directly managed by eVance or through its partnering banks. Additionally, the company utilizes a support ticket system via SecurePay, reflecting its commitment to addressing client issues.
Available Customer Support Channels at eVance Processing
- 855-452-7135 – Toll-Free Customer Support
Additional Support Resources
- Online customer support form
- Email support at [email protected]
Despite these efforts, eVance Processing’s support mechanisms have not yet positioned it as a leading merchant account provider in customer service. This analysis has been optimized with key SEO phrases such as “reviews,” “review,” “complaints,” “customer reviews,” “customer complaints,” aiming to provide a comprehensive and balanced overview while enhancing online visibility.
eVance Processing Online Ratings
Here's How They Rate Online
| BBB Rating | N/A |
|---|---|
| Our Rating | 3 |
| Average Rating | 3 |
BBB Rating Analysis for Evance Processing
Evance Processing a payment processing service company located in Alpharetta, GA, is not accredited by the Better Business Bureau (BBB) and holds an A+ rating. The company has been in business for 10 years. There are no customer reviews on the BBB website, but there is one customer complaint closed in the last 3 years, with none closed in the last 12 months.
Negative Feedback
There are no customer reviews on the BBB website for Evance Processing.
Positive Feedback
There are no positive reviews published about Evance Processing on the BBB website.
Source: BBB
eVance Processing Fees, Rates & Costs
A Closer Look at The Contract
| Cancellation Penalties | Yes |
|---|---|
| Monthly & Annual Fees | Yes |
| Processing Rates | 1.00% - 4.99% |
| Equipment Leasing | Yes |
Beware Liquidated Damages
According to the eVance Processing terms and conditions, the standard eVance Processing contract is a two-year agreement with automatic renewal for two-year terms and a liquidated damages-style early termination fee that is calculated based on the remaining months multiplied by the average monthly processing fees, plus additional costs and attorney fees. While the company doesn’t provide detailed pricing on its website, the uncapped cancellation fee alone raises concerns, warranting a “D” rating.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, eVance Processing also offers a virtual terminal and payment gateway through SecurePay. However, pricing for these services is not disclosed. Additional fees, including gateway fees, technical support fees, batch fees, and transaction rates, typically apply to these e-commerce services.
Potentially Varied Terms
While these are the terms through Merrick Bank, eVance might also offer contract terms similar to other providers, such as Calpian Commerce or Securus Payments and Chyp. The use of independent sales agents may lead to further variation in eVance fees and pricing.
Higher-Than-Average Pricing
Multiple eVance Processing complaints mention unauthorized billing and fees. The track records of Pipeline Data, Calpian Commerce, Securus Payments, and Chyp also raise concerns. In our view, eVance Processing rates and merchant agreement terms are not competitive with the most affordable merchant account providers.
eVance Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Uses Independent Resellers | Yes |
|---|---|
| Telemarketing | Unclear |
| Misleading Marketing | 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 reviews 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 businesses are likely to receive a positive sales experience. This does not compare favorably to our list of best credit card processors. We will assign the company a “C” in this category for now.
Our eVance Processing Review Summary
Our Final Thoughts
eVance Processing rates as a below-average credit card processing 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 client complaints about its partners and subsidiaries; this rating may be subject to change as the company develops a reputation of its own. Businesses 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.
If you found this article helpful, please share it!
carlene malpass
Very rude peron i spoke to, needed help doing my pci scan(which i had’nt done before…..i was made to feel like i was stupid and that i was wasting there time!!
it does’nt cosy anything to be nice to people.. if you dont want to deal with customers your in the wrong job!!!
Jim Stansbury
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.
Henry
Thank you
Michael
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.
Michael
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.
Toni Drugmand
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.
Laura
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!
Pauline murphy
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.
Laura
Pauline – I can’t believe you even got someone on the phone! How long did it take them to get back to you?