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GoEmerchant Credit Card Processing 2023: Reviews & Complaints
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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.
Before we dive in, here’s a short summary of what we’ll cover:
- GoEmerchant’s various payment services.
- GoEmerchant has very few public complaints.
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.
Location & Ownership
Table of Contents
GoEmerchant Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
We have found a handful of GoEmerchant reviews online, and none of these complaints specifically accuse the company of being a scam. Common complaints include hidden fees, difficulty canceling 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 reviews may have been mistakenly filed against FAPS instead of GoEmerchant. Despite this possibility, we have seen no proof that it is occurring. If you have your own GoEmerchant review to make, please do so in the comments below.
GoEmerchant Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against GoEmerchant. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
GoEmerchant Customer Support 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.
GoEmerchant Customer Service Numbers
- (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
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
|Monthly & Annual Fees||Yes|
|Processing Rates||1.00% - 4.99%|
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 clients. We’ve seen at least one GoEmerchant complaint that mentions a full $495 early termination fee, but some businesses that 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 client 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 readers to check out our list of the providers of the best merchant accounts.
GoEmerchant Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||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.
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