In this review of eVance Processing, we'll look at a notable player in the merchant account services sector, known for its credit card processing, e-commerce, and mobile payment solutions. We'll cover important details like rates and fees, contract terms, and common complaints, along with industry ratings. Insights from both employee and user reviews will provide a well-rounded perspective on the company’s performance and reputation.
We'll discuss eVance's specific offerings, such as its payment gateway, SecurePay, and various processing solutions, including point-of-sale systems and mobile payment processing. The company's commitment to security and fraud prevention will also be addressed to understand the reliability of their services.
Additionally, we'll touch on the company's history, including acquisitions and legal challenges, and conclude with an analysis of the pros and cons of choosing eVance Processing for your business needs. This overview aims to give readers a clear understanding of eVance Processing's position in the merchant services industry.
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.
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.
eVance Processing Products and Services
Payment Gateway
eVance offers a payment gateway called SecurePay, which includes features such as EMV and Apple Pay acceptance, PCI compliance, recurring billing, variable batch times, SecureGuard security, Easy Shop shopping carts, 24/7 support, customer vaults, API assistance, and integration with third-party shopping carts.
Processing Payment Solutions
eVance Processing provides a range of credit card processing solutions tailored to businesses of different sizes and industries.
Point-of-Sale Systems
eVance Processing supplies customizable point-of-sale (POS) systems designed for various industries, including retail, hospitality, and healthcare. These systems are user-friendly and feature inventory management and accounting software integration.
Mobile Payment Processing
The mobile payment processing service from eVance Processing allows businesses to accept payments via smartphone or tablet. This is particularly useful for businesses operating outside traditional brick-and-mortar locations or those seeking to offer more convenient payment options to their customers.
Virtual Terminal Services
eVance Processing's virtual terminal service enables the processing of phone and mail orders. This service allows businesses to securely manage remote transactions using an internet-connected device, providing a solution for processing payments without a physical card reader.
Security Measures and Fraud Prevention
eVance Processing emphasizes security and fraud prevention by adhering to industry standards like PCI compliance and implementing advanced security measures. This approach protects sensitive data and reduces the risk of fraud, ensuring secure transactions for both businesses and their customers.
eVance Processing Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
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.
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
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 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.
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.
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 is currently rated as a below-average credit card processing provider. The company, which has operated under various names over the years, has a few complaints that label it as a potential ripoff, contributing to its lower rating. We have assessed eVance Processing in line with the feedback received about its associated partners and subsidiaries, maintaining consistency in how we evaluate such interconnected entities. This rating, however, remains flexible and may be adjusted as eVance Processing establishes a more distinct and independent reputation within the industry.
For businesses contemplating eVance Processing for their merchant services, it is crucial to thoroughly review all contractual documents and understand the terms before committing. Given the existing concerns and the company’s current standing, we recommend that merchants also explore top-rated merchant accounts. These alternatives may offer more reliable services and transparent terms, potentially leading to a more satisfactory partnership for their processing needs.
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.
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In the late 2000s, as a broke college student struggling to make ends meet, I was contacted by a merchant services company after uploading my resume to a job listings website. This company promised substantial commissions and ongoing residual income for simply persuading businesses to accept credit card payments. It seemed straightforward enough—after all, what business doesn’t need to process credit card payments? Following a phone interview with a persuasive “sales director,” I found myself embarking on what I believed would be an easy job that would significantly boost my bank account with reliable monthly income and large sales commissions. However, the lessons I learned would profoundly change my life in ways I could never have imagined.
After completing my sales training, I hit the ground running, eager to make sales. This broke college student was determined to improve his financial situation! My first attempt at a cold call, with no prior appointment, ended with a burly man in his 50s yelling at me to leave, claiming he had been “totally robbed” by someone like me before. As I hastily exited, puzzled and intimidated by his reaction, I couldn’t help but wonder what he meant. Throughout the day, I encountered similar hostility from other business owners, all expressing disdain for the industry I had been so excited to join that morning. Confused and curious, I decided to shift my approach from selling to listening.
I quickly uncovered that the merchant services sector was riddled with unethical practices, including hidden fees, deceptive marketing, fine-print traps, and much more. It dawned on me that I had nearly been tricked by a dubious company into selling overpriced services under contracts with long-term commitments, all without being fully aware of what I was promoting. Outraged, I resigned from that company but learned that there were indeed ethical credit card processing companies that treated their clients fairly. Over the next four years, I worked for one such company, assisting hundreds of businesses in securing cost-effective processing solutions. Yet, I also met many more who had been misled and trapped in onerous service agreements. Determined to help people steer clear of these unscrupulous providers, I launched this website in my spare time, dedicating myself to researching and sharing my findings on every merchant account provider I could investigate.
Gradually, more and more business owners began to discover my articles. As word spread, search engines started to rank my content highly, amplifying its reach. My efforts were making a difference! Eventually, the website garnered enough traffic to enable me to leave my job and focus on it full-time, a journey that has now spanned over a decade. This path has not been without its challenges; unscrupulous company owners have tried to intimidate and sue me into silence on several occasions. Yet, I have stood firm against each threat. Here I am, continuing to publish reviews and articles, hoping to safeguard others from the pitfalls of the credit card processing industry.
If you believe in my mission and wish to contribute, please share my articles on your websites and social media. Thank you for visiting!
Testimonials & Complaints
How Did eVance Processing Treat You?
9 User Reviews
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
Henry Rollins
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?
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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?