GoEmerchant Review: Fees, Comparisons, Complaints, & Lawsuits

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PhonePhone(888) 638-7867 View Pricing

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Founded in 1995

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 Location and 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 800 Cooper St., Suite 500, Camden, NJ 08182.

GoEmerchant Review Table of Contents

  • Costs & Contract: GoEmerchant appears to offer variable contract terms through First American Payment Systems that may include a $495 early termination fee.
  • Complaints & Service: GoEmerchant complaints number fewer than 10 on public complaints forums.
  • BBB Rating: GoEmerchant has an “A+” rating with and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2001.
  • Sales & Marketing: GoEmerchant appears to hire independent sales representatives and has received a few complaints about its sales practices.

GoEmerchant Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Low Complaint Total

We have found approximately six GoEmerchant complaints online, and none of these complaints specifically accuse the company of being a scam. Common complaints include hidden fees, difficulty cancelling service, and withholding of funds. The GoEmerchant complaint total is low for a company of their size and time in business, but it is possible that additional GoEmerchant complaints may have been mistakenly filed against FAPS instead of GoEmerchant. Despite this possibility, we have seen no proof that it is occurring.

GoEmerchant Lawsuits and Fines

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

GoEmerchant Customer Service Options

GoEmerchant offers a phone number and email address for customer support on its website. These options are the bare minimum that we expect of top-rated payment processors for great customer service, and they seem to do a fine job of resolving complaints in-house for GoEmerchant.

We have located multiple GoEmerchant customer service phone numbers:

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

GoEmerchant also offers a customer support form on its website as well as customer service email addresses at [email protected] and [email protected]

GoEmerchant BBB Rating and Report

Our Better Business Bureau Profile Assessment

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

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

No Complaints

GoEmerchant has been accredited with the Better Business Bureau since 2001. 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 fact that the company has received only two complaints, we agree with the BBB’s rating at this time.

GoEmerchant Fees and Rates

A Closer Look at the Contract

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

Cost Summary

Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
$495 Or None
PCI Compliance Fee
$120 Per Year
Equipment Lease Terms
48 Month (locked)

Variable Contract Terms

GoEmerchant appears to use First American Payment Systems (FAPS) as its processor, and FAPS’s standard agreement has a three-year service agreement with a $495 early cancellation penalty. In some cases, however, GoEmerchant appears to have the freedom to waive these requirements for its merchants. We’ve seen at least one GoEmerchant complaint that mentions a full $495 early termination fee, but some merchants who apply to GoEmerchant may receive month-to-month agreements with no cancellation fee. If you choose to sign up with GoEmerchant, be sure to read your merchant account agreement to make sure you are getting the best deal possible.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, GoEmerchant also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. This portion of the website lists highly customizable e-commerce options thanks to the company’s experienced team of developers. Their comprehensive features include Apple Pay integration, recurring billing, and ACH eCheck acceptance, among others. 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.

Other GoEmerchant Fees

GoEmerchant fees and other pricing will vary depending on the services the merchant requires. As of this review, it is unclear if GoEmerchant charges a PCI Compliance fee. It should be noted that a typical merchant agreement through FAPS enforced an annual PCI compliance fee of $120 as well as non-cancellable equipment leases through its leasing affiliate Merimac Capital. The limited information we have obtained about the company’s pricing does not suggest that it can compete with the pricing offered by the cheapest merchant account providers. If you have any information regarding GoEmerchant’s rates and fees, please leave it in the comment section below.

We also encourage merchants to check out our list of the providers of the best merchant accounts.

GoEmerchant 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

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

Incomplete Rate Quotes

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. 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.

Few Sales Complaints

GoEmerchant complaints online currently include a handful regarding its sales tactics, specifically concerning nondisclosure of monthly fees. Overall, the company’s marketing strategy appears to be neither exceptionally transparent nor exceptionally deceptive. If you are concerned that GoEmerchant is overcharging you, you can spot hidden fees in your statement with a third-party statement audit.

GoEmerchant Review Summary

Our Final Thoughts and Opinions

A Solid Option for Most Businesses

Even though GoEmerchant is a small provider, the company seems to be a solid performer with a long track record of few public complaints. GoEmerchant uses FAPS as its processor, so merchants would be wise to fully read and understand the company’s merchant account agreement before signing it. It should also be noted that “GoEmerchant.com” could be confused with “Gotmerchant.com,” a different company, in search results. Merchants are encouraged to compare GoEmerchant’s pricing with that offered by top-rated credit card processors in order to obtain the best deal.

GoEmerchant Competitors

Compare Quotes From These Processors

Customer & Employee Reviews

What Others Are Saying About GoEmerchant

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2 Responses

  • Boun

    POS system freezes up daily. Tech support can not solve problem.

  • 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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