GDpay Credit Card Processing 2023: Reviews & Complaints

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GDpay Rating
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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’s website mentions Prestige Payment Systems, leading us to believe it may be a DBA or spinoff from Prestige, a company we rate very poorly.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • GDpay’s various payment processing services.
  • The company has not received many complaints.
  • The GDpay contract is from either TSYS or Fiserv and is not particularly competitive.

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 places a strong emphasis on security, being PCI-certified and offering solutions for both card-present and card-not-present transactions. Their security measures aim to reduce PCI scope and protect against malware, using intelligent tokenization to secure cardholder data effectively.

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

GDpay Customer Reviews

Here's What Their Clients Say

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

Low Complaint Total

We are able to locate only a few negative GDpay reviews, and these reviews do not describe the company as a ripoff or a scam. Found in the comment section below this review, one 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 clients 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 Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
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
Item Result
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

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 business 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 Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
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 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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Your Comments & Reviews

How Did GDpay Treat You?

3 Responses

  • 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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