GDpay Credit Card Processing 2023: Reviews & Complaints

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Company Overview

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 (now Fiserv), First American Payment Systems, and TSYS for its backend processing. The company also advertises an interchange-plus pricing model.

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.

Payment Gateway

GDpay offers a payment gateway that enables businesses to accept credit and debit card payments online. The gateway is designed to be fast, reliable, and easy to use.

Virtual Terminal

GDpay provides a virtual terminal that allows businesses to accept payments over the phone or through mail order. The virtual terminal is designed to be secure and simple to use.

Mobile Payments

GDpay offers mobile payment solutions that enable businesses to accept payments through smartphones and tablets. Their mobile payment solution is designed to be fast, secure, and reliable.

Point-of-Sale (POS) Solutions

GDpay provides POS solutions that are designed to help businesses manage their payments and inventory more efficiently. Their POS solutions are designed to be intuitive and user-friendly, and they provide businesses with the tools they need to manage their operations more effectively.

E-commerce Solutions

GDpay provides e-commerce solutions that enable businesses to sell their products and services online and accept payments through their website. Their e-commerce solutions are designed to be secure and reliable, and they provide businesses with the tools they need to manage their online sales more effectively.

ACH Processing

GDpay offers ACH processing solutions that enable businesses to accept electronic payments directly from their customers’ bank accounts. This solution is designed to be fast, secure, and cost-effective.

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.

Table of Contents

these processors announce that they now sync with quickbooks

GDpay Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

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 negative GDpay review 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 GDpay complaints, we are inclined to assume that the majority of GDpay’s merchants are satisfied with the overall service they receive. If you have your own GDpay review to make, please do so in the comments below.

GDpay Customer Lawsuits and Fines

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.

GDpay Customer Service Number

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

Other Support Options

  • Customer support form on its website

These support options are close to what we expect of top-rated payment processors for great customer service.

GDpay BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

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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GDpay Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
1.00% - 4.99%
Equipment Leasing

Multiple Contracts Available

GDpay contracts come in the form of two standard contracts through First Data (Fiserv) 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 Fiserv (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 businesses do not request equipment through GDpay, and we recommend that clients do not sign any equipment lease terms if they can afford to purchase a terminal outright.

Three-Year Term Through First Data (Fiserv)

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 business owners 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 to advertising its virtual terminal and payment gateway services, called CardPointe Pay. However, pricing is not disclosed on either of those services. Additional GDpay 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 GDpay fees listed above are not comprehensive, so clients should be sure to read their finalized contracts before signing. The company earns an “A” rating in this section due to a lack of GDpay complaints about its contract terms and the fact that it does not charge early termination fees. Business owners should still compare all of GDpay’s various terms to those of cheap merchant account providers. We also encourage businesses to check out our list of the providers of the best merchant accounts.

GDpay Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

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.

GDpay Review Summary

Our Final Thoughts and Opinions

GDpay rates as a reliable credit card processing 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 multi-year agreements and early termination fees. Business owners are encouraged to read their agreements carefully, negotiate fees when possible, and 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.

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GDpay Competitors

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Customer & Employee Reviews

What Others Are Saying About GDpay

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3 Responses

  • Sydney

    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


  • 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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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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