Review: Fees, Comparisons, Complaints & Lawsuits

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now. Logo
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PhonePhone(940) 323-8888 View Pricing

Company Overview

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

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 merchant 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 First National Bank of Omaha, 1620 Dodge St., Omaha, Nebraska. The company lists PO Box 751 Fate, TX 75132 as its address. As mentioned above, the Better Business Bureau lists Curtis Stevens as the CEO of Review Table of Contents

  • Costs & Contract: Offers a two-year contract with a $250 early termination fee and a payment gateway through..
  • Complaints & Service: Has received fewer than…
  • BBB Rating: Has an “A+” rating and has received 0 complaints in the past 3 years. The company has been…
  • Sales & Marketing: Does not appear to rely on independent sales agents and has not received any complaints about its… payment processing services
Some of’s services
these processors announce that they now sync with quickbooks Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Clean Complaint Record

We are currently unable to locate any complaints 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 merchant complaints. The company offers several dedicated support phone lines on its website, depending on whether the merchant needs assistance during or outside of business hours.

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 merchant of Harbortouch. For this reason, merchants 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 merchants 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. BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

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

0 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.

in the news apple versus banks Fees and Rates

A Closer Look at the Contract

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Cost Summary

Retail Debit Rate
0.69% + $0.20
Retail Qualified Rate
1.69% + $0.20
Retail Mid-Qualified Rate
2.44% + $0.20
Retail Non-Qualified Rate
3.29% + $0.20
Virtual Terminal Debit Rate
0.99% + $0.25
Virtual Terminal Qualified Rate
2.19% + $0.25
Virtual Terminal Mid-Qualified Rate
2.94% + $0.25
Virtual Terminal Non-Qualified Rate
3.79% + $0.25
Payment Gateway Fee
$10 Per Month
Monthly Minimum Fee
Monthly Service Fee
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms
36 Month (locked)

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 merchant’s business type, size, and time in business. The company also offers Interchange-plus pricing to all merchants, but smaller merchants may pay more in markups and monthly minimums. An overall lack of complaints about the company’s contract terms indicates that most merchants 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 merchant’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 that depends on the type of system provided. Although Harbortouch POS systems are given to merchants for no upfront cost, they come with a three-year non-cancellable agreement that requires merchants to pay for the entire contract regardless of when they terminate service. Returning the Harbortouch POS system will not relieve a merchant of his or her obligations under this contract. It is our opinion that this type of contract is unfavorable to merchants 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 merchants to receive terms through that compete with even the cheapest merchant accounts. payment gateway

The payment gateway rates and details 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

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 merchants, 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 merchants 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 merchants should be aware that the Harbortouch POS system requires a long-term commitment and has received numerous complaints from merchants. 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. Review Summary

Our Final Thoughts and Opinions

A Reliable Option for Many Business Types

According to all available information, rates as a reliable merchant services provider. The company is showing 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. Merchants are encouraged to strongly negotiate the provisions of their contracts and to compare Gotmerchant to top-rated all-purpose merchant accounts. We also advise merchants 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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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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