GDpay Overview

GDpay May Have Overcharged You

If you accepted credit cards through GDpay or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

Partnered with Several Processors

Short for Global Data Payments, GDpay is a small, family-owned merchant account provider that appears to have been founded in either 2006 or 2010. The company claims to be partnered with First Data, First American Payment Systems, and TSYS for its backend processing. The company also advertises an interchange-plus pricing model.

GDPay Location and Ownership

GDpay is a registered ISO/MSP of CardConnect, of Fifth Third Bank, Cincinnati, Ohio, and of Synovus Bank, USA, Columbus, Georgia. Its headquarters at 1729 Clarkson St, Denver, Colorado 80218. Craig and Kevin Yox are listed as the managing directors of GDpay.

GDpay Review Table of Contents

  • Costs & Contract: GDpay offers four standard contracts of varying lengths with no early termination fees.
  • Complaints & Service: GDpay has received fewer than 10 public complaints.
  • BBB Rating: GDpay has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: GDpay does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With GDpay
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • Restaurant
  • B2B
  • Non-profit

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GDpay Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Fee 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Set Up Fee $49.95
Monthly Account Fee $6.95
Statement Fee $9.95 Per Month
Gateway Fee $25.95 Per Month
Annual Membership Fee $49.95
Early Termination Fee None
PCI Compliance Fee Variable
Equipment Lease Terms 60 Month (locked)

Multiple Contracts Available

GDpay offers two standard contracts through First Data and one apiece through TSYS and First American Payment Systems. The available pricing details of each contract vary, but none of them include an early termination fee.

Five-Year Term Through First Data

GDPay’s first contract through First Data (available here and here) is a five-year agreement with a $49.95 setup fee, a $24.95 monthly gateway fee, and a built-in agreement for a non-cancellable equipment lease. The leasing agreement may not apply if merchants do not request equipment through GDpay, and we recommend that merchants do not sign any equipment lease terms if they can afford to purchase a terminal outright.

Three-Year Term Through First Data

GDpay’s second contract through First Data (available here and here) is a three-year agreement with an annual PCI compliance fee of $49.95 and a monthly statement fee of $9.95. This agreement does not include a built-in equipment lease, but merchants should still ensure that they are not party to any lease agreements found in a separate document.

TSYS and First American Payment System Contracts

GDpay’s contract through TSYS (available here and here) is a five-year agreement with no early termination fee unless the merchant is based in Arkansas, in which case a $50 termination fee applies. This is the only GDpay contract that includes a cancellation fee. GDpay’s contract through First American Payment Systems (available here) is a three-year agreement with an annual membership fee of $49.95 and a monthly account fee of $6.95.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, GDPay also dedicates a portion of its website that advertises its virtual terminal and payment gateway services, called CardPointe Pay. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

No Cancellation Fees

Overall, GDpay’s five-year contract terms are longer than industry averages, but the fact that the company doesn’t charge termination fees makes this a non-issue. The fees listed above are not comprehensive, so merchants should be sure to read their finalized contracts before signing. GDpay earns an “A” rating in this section due to a lack of complaints about its contract terms and the fact that it does not charge early termination fees. Merchants should still compare all of GDpay’s various terms to those of cheap merchant account providers.

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Response from GDpay

Are you a representative of GDpay? Add your voice to this section for free!

GDpay Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

We are able to locate only one negative GDpay review, and this review does not describe the company as a ripoff or a scam. Found in the comment section below this review, this lone complaint mentions a $700 fee charged upon cancellation of an account. This is a rather large early termination fee, but the complainant does not provide the context for why it might have been charged. Given the lack of other complaints about the company, we are inclined to assume that the majority of GDpay’s merchants are satisfied with the overall service they receive.

GDpay Customer Lawsuits

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

GDpay Customer Support Options

The company’s website includes an extensive list of support numbers, an FAQ section, and a glossary for merchants. These support options are close to what we expect of top-rated payment processors for great customer service.

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Response from GDpay

Are you a representative of GDpay? Add your voice to this section for free!

GDpay BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

The Better Business Bureau currently maintains a profile for GDpay under the name Global Data Payments. The profile is showing an “A+” rating with 0 complaints filed since the profile’s creation in 2016.

An “A” Performance

Since the BBB has not attributed a score to GDpay, this review will exclude this section from our overall rating. However, merchants should be aware that there are valid reasons to be skeptical of the BBB’s grades.

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Response from GDpay

Are you a representative of GDpay? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

No Sales Issues

GDpay appears to primarily market its services through an affiliate program and via traditional channels. There is no indication at this time that the company employs independent sales agents, and we’ve found no GDpay complaints that describe deceptive tactics by GDpay sales agents.

No Deceptive Rates

GDpay also does not promote misleading rate quotes on its website. In fact, GDpay’s website includes sales copy that educates merchants on the benefits of Interchange-plus pricing, which is the most transparent rate structure available. This level of disclosure is uncommon among providers and has earned GDpay an “A” rating in this category. That said, if you suspect that GDpay has snuck hidden fees into your contract, we recommend seeking a third-party statement audit.

Did you get what you expected from GDpay? Tell us why, or why not.

Response from GDpay

Are you a representative of GDpay? Add your voice to this section for free!

GDpay Marketing Example

GDPay Logo

Our Opinion of GDpay

Solid Option for Most Businesses

GDpay rates as a reliable merchant services provider according to all available information. The company appears to be committed to transparent pricing and quality customer service, but its standard contract terms may include multiyear agreements and early termination fees. Merchants are encouraged to read their agreements carefully, to negotiate fees when possible, and to compare GDpay’s offerings to those of top-rated credit card processors. Our rating for the company may change as the BBB’s GDpay profile matures.

We rely on your feedback about GDpay 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.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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2 Reviews Leave Your Review for GDpay Below

  1. Sydney says:

    This company cannot be trusted. The owner has a hard time with paying others and will chisel every dime out of you. A lying snake. Not to be trusted.


    This post will help: Top-Rated Merchant Account Providers

    -Phillip

  2. Daming wang says:

    This company is no credit., which stole $700 from my bank account after I fulfilled my three years contracts with it. It refuses to issue me cancelation letters even after it stole my money, as the sales man, Mr. Ray stole many time from my bank account.
    Please be very careful,, never use this company.

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