GDpay Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Multi-industry expertise, versatile services​​. Pricing details not always clear​.
No outstanding lawsuits or fines​​. Cancellation penalties may apply​​.
Extensive customer support options​​. Monthly and annual fees charged​​.
Clean online complaint record​​. Some contracts include equipment leasing​​.
No early termination fees​​. Terms not fully disclosed online​​.
Transparent pricing, educates on interchange-plus​​. Some user reviews cite trust issues​​.


In this article, we investigate GDpay, a U.S. based merchant services provider, highlighting the company's services, credit card processing rates, and merchant contract terms. We'll examine common customer complaints, industry ratings, and employee feedback, providing a balanced view of GDpay's small business card payment services. Key topics will include GDpay's payment processing capabilities, security measures, and customer support options. Additionally, we'll analyze user reviews, current and former legal issues, and the specifics of GDpay's fees and contract details as promoted by the company and through feedback provided by former clients.

About GDpay

Short for “Global Data Payments,” GDpay promotes itself as a small, family-owned merchant account provider founded in 2006.

Prestige Payment Systems Confusion

According to the company's website it is operating as a DBA of Prestige Payment Systems, but it does not appear to the be same Prestige Payment Systems based in Oregon that has a 1.5 star rating as of our last update. The CEO of GDpay contacted us and stated the following:

We have no affiliation with this company and have used the Prestige Payment Systems, LLC DBA GDpay as or legal name for over 25 years. We are registered in Colorado and you can check the CO SOS.

Kevin Yox

We did, in fact, check with the Colorado Secretary of State which shows Prestige Payment System, LLC as formed in 1997 and GDpay in 2006– both by Kevin Yox. With that said, GDpay is a also registered agent of CardConnect, which is one worst providers that we have monitored over the last decade. Despite this affiliation GDpay appears to be maintaining a trend of positive reviews which we will cover more below.

GDpay Payment Processing

GDpay processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS systems, NFC payments, mobile solutions, access to virtual terminals and payment gateways, Level 2 & 3 processing, QuickBooks integration, invoicing, marketing services, and gift and loyalty programs.

Security and Compliance

GDpay promotes a strong emphasis on security, being PCI-certified and offering solutions for both card-present and card-not-present transactions.

GDpay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Overview of GDpay Feedback

Our search revealed only a handful of negative GDpay reviews, none of which categorize the company as fraudulent or a scam. Within these comments, a particular review highlighted a substantial $700 early termination fee charged upon account closure.  According to the CEO, Kevin Yox:

We don’t charge cancelation fees The ONLY exception was if we gave the merchant equipment to use and it wasn’t returned when the account was canceled. This isn’t a cancelation fee it’s a fee to cover non-returned equipment.

The scarcity of user complaints suggests a general merchant satisfaction with GDpay’s services. We encourage you to share your GDpay experiences in the comment section below.

Legal Background of GDpay

No significant class-action lawsuits or Federal Trade Commission (FTC) complaints against GDpay have been uncovered in our research. Merchants seeking alternatives to legal action are advised to report their concerns to relevant regulatory bodies.

GDpay’s Commitment to Customer Support

GDpay offers a comprehensive support system for its merchants, evidenced by an array of contact numbers, an FAQ section, and a glossary available on its website.

Contact Information for GDpay

  • (888) 600-2602 – Toll-Free Customer Service

Additional Support Mechanisms

  • Online customer support form available on the company’s website

This assessment acknowledges the limited volume of negative feedback regarding GDpay, indicating a generally positive merchant experience. The content has been optimized with SEO strategies, incorporating key phrases such as “reviews,” “complaints,” and “customer service” to enhance visibility for those researching the company. All provided links are maintained to offer readers direct access to more detailed information and resources.

GDpay Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 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.

GDpay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Various Contract Options

GDpay offers two standard contracts through First Data (Fiserv) and one each through TSYS and First American Payment Systems. While the pricing details for each contract differ, none of them include an early termination fee.

Five-Year Agreement via First Data

GDpay’s initial contract through Fiserv (accessible here and here) spans five years with a $49.95 setup fee, a $24.95 monthly gateway fee, and an included non-cancellable equipment lease. The leasing agreement may be optional if businesses do not require equipment from GDpay, and it’s advisable for clients to avoid signing lease terms if they can afford to purchase terminals outright.

Three-Year Agreement via First Data (Fiserv)

GDpay’s second contract through First Data (accessible here and here) spans three years with an annual PCI compliance fee of $49.95 and a $9.95 monthly statement fee. Unlike the first agreement, this one does not include an equipment lease, but businesses should ensure they aren’t part of any lease agreements in a separate document.

Contracts with TSYS and First American Payment System

GDpay’s contract with TSYS (accessible here and here) spans five years with no early termination fee unless the business operates in Arkansas, where a $50 termination fee applies. This is the only GDpay contract featuring a cancellation fee. GDpay’s contract with First American Payment Systems (accessible here) spans three years with an annual membership fee of $49.95 and a $6.95 monthly account fee.

Virtual Terminal and Payment Gateway Pricing

Alongside its in-store payment processing services, GDPay also promotes its virtual terminal and payment gateway services, known as CardPointe Pay. However, pricing details for these services are not disclosed. Additional GDpay rates and fees, such as gateway fees, technical support fees, batch fees, and additional transaction rates, typically apply to these e-commerce services.

No Termination Fees

Overall, GDpay’s five-year contract terms exceed industry averages, but the absence of termination fees renders this inconsequential. The listed GDpay fees are not exhaustive, so clients should review their final contracts before signing. The company receives an “A” rating in this regard due to the lack of complaints regarding GDpay’s contract terms and its policy of not imposing early termination fees. Nonetheless, business owners should compare all of GDpay’s terms with those of low-cost merchant account providers. We also recommend businesses explore our list of the top-rated merchant accounts.

GDpay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing 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 reviews that describe deceptive tactics by GDpay sales agents. This compares favorably to our list of best credit card processors.

No Deceptive Rates

GDpay also does not promote misleading rate quotes on its website. In fact, GDpay’s website includes sales copy that educates clients 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.

Our GDpay Review Summary

Our Final Thoughts

GDpay is considered a reliable credit card processing provider. The company has demonstrated a commitment to transparent pricing and maintaining high standards of customer service, which are significant factors in its favorable assessment. However, potential clients should be aware that GDpay’s standard contract terms might involve multi-year commitments and associated early termination fees, which could be a concern for some businesses.

Business owners are advised to approach agreements with GDpay with due diligence. It’s essential to thoroughly review any contract, particularly the fine print regarding the length of the agreement and termination policies. Negotiating these terms can sometimes result in more favorable conditions. Additionally, comparing GDpay’s services and fees with those offered by top-rated credit card processors is recommended to ensure that they are getting the best possible deal. As GDpay continues to develop its business and more feedback becomes available, particularly through channels like the Better Business Bureau (BBB), our rating of the company may be adjusted to reflect new insights and customer experiences.

Location & Ownership

GDpay is a registered ISO/MSP of Fifth Third Bank, National Association, Cincinnati, OH and is a registered agent of CardConnect, which is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA; and Synovus Bank, USA, Columbus, GA. Its headquarters is at 1729 Clarkson St, Denver, Colorado 80218. Craig Yox is listed as the owner and manager of GDpay.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did GDpay Treat You?

3 User Reviews

  • Daming wang

    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.

    • Kevin Yox


      Yes we are very familiar with this customer. Here are the facts. This merchant was renting her two credit card terminals from us and switched processors. It was very clear in the agreement that the equipment needed to be returned within 10 business days once the processing was terminated otherwise a $700 fee would be charged. We charged her bank account then she decided to stay with our processing and the full $700 was credited back to the merchant.

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