Merchant Services 2023: Reviews & Complaints
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How did they treat you? ▼

Company Overview

Founded in 1998 as a web hosting company called Simple Solutions, the company changed its name to “” in 2001 as it shifted its focus to credit card processing.

Article Summary

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

  •'s various payment processing services.
  • The company has received few complaints.
  • It appears there is a connection between and Harbortouch.
  • The Gotmerchant contract potentially carries with it some expensive fees.

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Affiliation with Harbortouch

The Better Business Bureau lists Curtis Stevens as the CEO of We have also been repeatedly contacted by a sales agent named Curtis Stevens in the comment section of our Harbortouch review, and this second Curtis Stevens appears to be employed as an independent sales rep for Harbortouch.

Given the fact that the BBB lists a PO box in Fate, Texas, as the address for, it appears very likely that the same Curtis Stevens who is the president of is the Curtis Stevens who works as an independent sales agent for Harbortouch. In addition, a BBB complaint filed against in November 2014 explicitly names Harbortouch as the entity with whom the client did business. It therefore appears that and Harbortouch may not operate as entirely separate entities. Payment Processing is a merchant account provider processing most major debit and credit cards for businesses ranging from small startups to multi-million dollar corporations. The company advertises Harbortouch as part of its free POS system offer. Other services they offer include electronic cash registers, card swipers, Yahoo Store merchant accounts, access to the payment gateway, virtual terminals, wireless and mobile processing, MOTO, QuickBooks integration, e-commerce solutions including shopping carts, cash advances, and fraud and chargeback protections.

Location & Ownership is a registered ISO/MSP of Citizens Bank, N.A., Providence, RI. The company lists PO Box 751 Fate, TX 75132 as its address. Curtis Stevens is the CEO of

Table of Contents payment processing services
Some of's services
Pros & Cons
Pros: Cons:
Terms disclosure Harbortouch POS long-term contract
Low complaint rate Two-year contract
Interchange-plus pricing $250 cancellation fee
No misleading marketing $10 monthly service fee
Positive sales team reviews $25 monthly minimum fee 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

Clean Complaint Record

We are currently unable to locate any reviews that characterize the company as a scam or a ripoff. As noted above, there are many reviews citing exceptional customer service from the company, many of which report same-day responses, honest conduct, and a willingness on Gotmerchant’s part to work with its partner companies to resolve client complaints. The company offers several dedicated support phone lines on its website, depending on whether the client needs assistance during or outside of business hours. If you have your own review to make, please do so in the comments below.

Mixed Responses to Complaints

We are inclined to note that Curtis Stevens appears to be very active in responding to complaints about Harbortouch on this website and others. Although it’s encouraging to see a company representative take public complaints so seriously, there are multiple occasions in which Mr. Stevens accuses the complainant of being a competitor rather than an actual client of Harbortouch. For this reason, clients who are dissatisfied with a Harbortouch POS system they have obtained through are advised to supply proof that they are actual customers before posting negative reviews. Lawsuits

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

Given that is not the recipient of any negative online complaints, we have awarded it an “A” in this category for the time being. However, it does not currently warrant consideration as a top merchant account for customer service. Customer Service Number

  • (940) 323-8888 – Local Office

Other Support Options

  • Support form Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No Complaints is an accredited business of the Better Business Bureau and is currently rated an “A+” with accreditation since 2010. has received 0 complaints in the past 36 months.

An “A” Performance Overall

In light of the company’s low complaint total, we agree with the BBB’s rating. Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Two-Year Contract

The standard contract appears to be a two-year agreement with a $250 cancellation fee, a $10 monthly service fee, a $25 monthly minimum fee, no annual fee, and a variable PCI compliance fee. A representative of the company has stated on other consumer protection websites that these terms (specifically contract length and termination fee) are flexible depending on a business’ type, size, and time in business. The company also offers interchange-plus pricing to all clients, but smaller businesses may pay more in markups and monthly minimums. An overall lack of complaints about the company’s contract terms indicates that most clients are satisfied with their contracts.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company uses Authorize.Net as a payment gateway provider. However, seems to alter the terms and conditions of a standard Authorize.Net contract as a reseller. The company charges debit, qualified, mid-qualified, and non-qualified rates of 0.99% plus $0.25, 2.19% plus $0.25, 2.94% plus $0.25, and 3.79% plus $0.25, respectively, for transactions made through a client’s virtual terminal. A $10 monthly fee for the payment gateway is also assessed in addition to a general monthly service fee. When combined, those 2 fees are still $5 less than Authorize.Net’s typical $25 payment gateway fee.

Harbortouch POS Contracts also sells Harbortouch POS systems, which cost a flat amount per month and depends on the type of system provided. Although Harbortouch POS systems are given to clients for no upfront cost, they come with a three-year non-cancellable agreement that requires clients to pay for the entire contract regardless of when they terminate service. Returning the Harbortouch POS system will not relieve a client of their obligations under this contract. It is our opinion that this type of contract is unfavorable to businesses because it locks them into an agreement that will cost thousands of dollars and cannot be canceled if the merchant no longer wishes to use the system. It should be noted that most credit card terminals can be purchased for under $500.

An Excellent Provider With Troubling Partnership

The only factors lowering’s score in this category are its Harbortouch POS agreement, its industry-average cancellation fee, and its standard two-year agreement. To the company’s credit, the last two terms appear to be negotiable and infrequently applied. It is therefore possible for some clients to receive terms through that compete with even the cheapest merchant accounts. payment gateway
The payment gateway rates and details Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

In-House Sales Team appears to market itself primarily through its client network and its in-house sales team. As of this update, we were unable to locate any reviews that describe a negative experience with the sales team; in fact, there are numerous testimonials available online that relate overwhelmingly positive experiences. Many of these positive interactions mention a specific representative of the company, which indicates a high level of consistency and accountability within the sales team.

Rates Clearly Disclosed

Although it takes a bit of searching to find,’s rates and fees page discloses a great deal of information about how “Qualified,” “Mid-Qualified,” and “Non-Qualified” rates are assessed. It also lists each of these rates in addition to most of the company’s standard monthly fees and terms. The company’s website does not actively promote interchange-plus pricing, but a company representative has stated on other consumer protection websites that does offer this pricing structure to all clients, with varying markups and minimums depending on size and time in business. Overall, appears to market its services in a forthright manner, and there are only positive comments to be found about the company’s sales tactics online.

Harbortouch Equipment and Terms

It should be noted that does not disclose that its POS system is a Harbortouch POS system. Harbortouch’s POS systems are provided to clients for no upfront cost as part of a non-cancellable three-year agreement. Our review of Harbortouch assigns the company a low score in this section for what appears to be a pattern of incomplete or insufficient disclosure by the company’s sales representatives with regard to this long-term agreement. Given the fact that Gotmerchant has a nearly spotless complaint record, we will not lower the company’s score in this review, but readers should be aware that the Harbortouch POS system requires a long-term commitment and has received numerous complaints from clients. If you are concerned that or Harbortouch is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Our Review Summary

Our Final Thoughts

According to all available information, rates as a reliable credit card processing provider. The company shows mostly positive reviews and nearly zero complaints online. Its standard contract isn’t especially competitive, but the company appears to show some flexibility with regard to these terms. Readers are encouraged to strongly negotiate the provisions of their contracts and to compare Gotmerchant to top-rated all-purpose merchant accounts. We also advise readers to inquire about all possible terms and fees associated with’s Harbortouch POS system. It is worth noting that could potentially be confused with a company called GoEmerchant in search results. These two companies are unrelated.

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Testimonials & Complaints

How Did Treat You?

1 User Reviews

  • Liam Mary

    I’ve been in the retail business for over a decade now, and I’ve tried my fair share of merchant service providers. However, ever since I signed up with, my experience has been nothing short of exceptional.

    From the get-go, their customer service team impressed me with their attentiveness and personalized approach. They took the time to understand my business needs and offered me a tailored solution that perfectly aligned with my requirements. Unlike some other providers, they didn’t try to upsell unnecessary services, which was truly refreshing.

    One thing that really sets apart is their user-friendly platform. It’s intuitive and straightforward, making it a breeze to navigate through the various features. I can easily track my transactions, manage inventory, and even generate insightful reports to help me make informed business decisions. All of this has significantly improved my operational efficiency, and I can now focus more on growing my business.

    But the real game-changer for me has been their competitive pricing. offers transparent and affordable rates, without any hidden fees. It’s such a relief to have a merchant service provider that values honesty and integrity, especially in an industry that’s notorious for its complicated fee structures.

    Another aspect that I admire about is their dedication to staying up-to-date with the latest technology and security standards. I feel confident knowing that my customers’ payment information is protected with top-notch security measures in place.

    Overall, my experience with has been top-tier. I can genuinely say that they have exceeded my expectations in every aspect of their service. Whether you’re a small business owner like me or a larger enterprise, I highly recommend giving a try. Their winning combination of exceptional customer service, user-friendly platform, and competitive pricing is a game-changer in the merchant services industry.

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