GoEmerchant Reviews & Complaints

4.8
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Company Overview

GoEmerchant is a small merchant account provider based in Cherry Hill, New Jersey and founded in 1995. The company got its start by developing e-commerce payment processing solutions and then expanded into various other electronic payment solutions. After many years in business, GoEmerchant reports that it manages about 20,000 merchant accounts. As of 2022, GoEmerchant branding has added the “by deluxe” tag. Deluxe is a business management and marketing company that has expanded into the payment processing space and appears to be either purchasing or partnering with various brands, one of which is First American Payment Systems.

A First American Payment Systems Reseller

There is some evidence indicating that GoEmerchant is a subsidiary of First American Payment Systems, a company with a very high number of complaints filed against it. Although GoEmerchant does not appear to be showing anywhere close to the number of negative reviews received by its parent company, merchants should be aware of this relationship.

GoEmerchant Payment Processing

GoEmerchant processes all major debit and credit cards for most business types. Their services include EMV card readers/swipers, POS solutions, mobile payments, access to payment gateways, QuickBooks integration, recurring billing, and data reporting and analytics.

GoEmerchant E-Commerce Solutions

GoEmerchant offers e-commerce payment processing solutions. These solutions are designed to help online businesses accept payments on their websites seamlessly. Their platform supports a variety of shopping carts and provides secure transaction processing.

Mobile Payment Processing

GoEmerchant offers mobile payment processing services that allow merchants to accept credit card payments on the go using a mobile device, ideal for pop-up shops, food trucks, and outdoor events.

Point of Sale (POS) Systems

Physical retail outlets can benefit from GoEmerchant’s Point of Sale systems. These systems combine hardware and software to facilitate in-person transactions. They’re equipped with features that help streamline sales, inventory management, and customer relationship management.

Payment Gateway Integration

GoEmerchant provides a robust payment gateway that integrates with various platforms. This gateway ensures that online transactions are processed securely, safeguarding both the merchant's and the customer’s sensitive information.

Recurring Billing and Subscription Management

For businesses that rely on subscription models or recurring billing, GoEmerchant offers tools and solutions to manage and automate these processes. This helps ensure consistent and timely billing, improving cash flow and reducing administrative tasks.

Fraud Prevention and Security Measures

Security is paramount in the credit card processing industry. GoEmerchant implements various fraud prevention measures and uses advanced encryption technologies to ensure that every transaction is secure and compliant with industry standards.

GoEmerchant 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

Minimal Complaints Found

We’ve come across a few GoEmerchant reviews online, but none of these complaints explicitly label the company as a scam. Some common grievances include hidden fees, challenges with canceling services, and fund withholding. Considering GoEmerchant’s size and years in operation, the number of complaints is relatively low. However, it’s worth noting that there might be instances where reviews meant for GoEmerchant are mistakenly attributed to FAPS. Despite this possibility, there’s no evidence to confirm such occurrences. Share your own experience with GoEmerchant in the comments below.

Legal History and Penalties

As of now, there are no ongoing class-action lawsuits or FTC complaints against GoEmerchant. Clients dissatisfied with the company’s services can explore reporting their concerns to relevant regulatory bodies for resolution.

Customer Support by GoEmerchant

GoEmerchant provides basic customer support options on its website, including a phone number and email address. While these options meet the minimum standards expected of top-rated payment processors in terms of customer service, they effectively handle in-house complaint resolutions for GoEmerchant.

GoEmerchant Customer Service Information

  • (888) 711-3800 – Toll-Free Support
  • (856) 546-3800 – Local Office
  • (888) 638-7867 – Sales Support
  • (856) 203-6157 – Fax

Other Support Options

GoEmerchant Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No Complaints

GoEmerchant is not accredited with the Better Business Bureau. As of this review, the BBB is reporting an “A+” rating with 0 complaints filed in the last 36 months.

An “A” Performance

Given the clean complaint record, we agree with the BBB’s rating at this time.

GoEmerchant Fees, Rates & Costs

A Closer Look at The Contract

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

Variable Contract Terms

GoEmerchant utilizes First American Payment Systems (FAPS) as its processor, known for its standard three-year service agreement. This agreement typically includes an early cancellation penalty of $495. However, GoEmerchant may offer flexibility in waiving these requirements for certain clients. While a complaint regarding a full $495 early termination fee exists, some businesses working with GoEmerchant may secure month-to-month agreements without any cancellation fees. It’s advisable to thoroughly review your merchant account agreement with GoEmerchant to ensure favorable terms for your business.

Virtual Terminal and Payment Gateway Pricing

Apart from its traditional storefront payment processing services, GoEmerchant promotes its virtual terminal and payment gateway services, highlighting their adaptability through a team of experienced developers. These services boast extensive features such as Apple Pay integration, recurring billing, and ACH eCheck acceptance, among others. However, specific pricing details for these services are not publicly disclosed. Typically, additional rates and fees, including gateway fees, technical support fees, batch fees, and extra transaction rates, apply to e-commerce services like those offered by GoEmerchant.

Other GoEmerchant Fees

GoEmerchant’s fees and pricing structure vary based on the specific services required by the client. It remains uncertain whether GoEmerchant imposes a PCI Compliance fee. Notably, a standard merchant agreement via FAPS typically includes an annual PCI compliance fee of $120, alongside non-cancellable equipment leases facilitated by its leasing affiliate, Merimac Capital. Limited available information on GoEmerchant’s pricing suggests it may not be as competitively priced as some of the more economical merchant account providers in the market. We invite readers to contribute any insights or information they have regarding GoEmerchant’s rates and fees in the comments section below.

We also encourage readers to explore our comprehensive list of the best merchant accounts available to make informed decisions regarding their payment processing needs.

GoEmerchant Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Possible
Misleading Marketing Yes
Discloses All Important Terms No

Few Sales Complaints

GoEmerchant reviews online currently include a handful regarding its sales tactics, specifically concerning nondisclosure of monthly fees. The company also hires independent resellers, which would normally be a strike against it, but GoEmerchant’s compensation program does not appear to encourage price gouging like many others do in this industry.

This compares favorably to our list of best credit card processors.

Incomplete Rate Quotes

Overall, the company’s marketing strategy appears to be neither exceptionally transparent nor exceptionally deceptive. GoEmerchant advertises a rate quote “as low as 0.89%” per transaction on the Mobile Payments page of its website. This quote is misleading because it does not include the Mid-Qualified and Non-Qualified surcharges that a high percentage of transactions receive, or the fact that only a minuscule percentage of a merchant’s transactions would receive the 0.89% rate.

If you are concerned that GoEmerchant is overcharging you, you can spot hidden fees in your statement with a third-party statement audit.

Our GoEmerchant Review Summary

Our Final Thoughts

Despite being a smaller provider, GoEmerchant appears to be a reliable credit card processing company with a strong track record of minimal public complaints. Using FAPS as its processor, GoEmerchant provides a solid service, though it’s prudent for business owners to thoroughly read and understand the merchant account agreement before signing. Such diligence is essential to avoid any unforeseen terms that could affect a business’s finances.

Additionally, it’s worth noting that “GoEmerchant.com” could be confused with “Gotmerchant.com,” a separate entity, in search results. To secure the most favorable terms, readers are advised to compare GoEmerchant’s pricing with those offered by top-rated credit card processors, ensuring they receive the best possible deal for their specific business needs.

Location & Ownership

Gary Dvorkin is the CEO of GoEmerchant, which is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio. The company is headquartered at 100 Throckmorton St, Suite 1800, Fort Worth, TX 76102.

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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 GoEmerchant Treat You?

2 User Reviews

  • david

    We didn’t have to sign a contract, I was told it was month to month and cancelable at any time. Our sales person said I was signing only for the equipment and the signing was done on a smart phone. Fees are much higher than quoted; the actual process accounting/batching process is performed at the GoE website after negiotiating several pages online and the site will time-out if not used regularly so the entire log-in (and several pages) is required several times a day; receipts are printed on your own printer so be prepared for additional printer ink and paper costs. It’s cumbersome. After a day we knew it wouldn’t work well in our office setting but they refused to cancel without a $495 cancellation fee. WATCH OUT.

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