Overview May Have Overcharged You

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From Web Hosting to Merchant Services is a merchant account provider for businesses ranging from small startups to multi-million dollar corporations. 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. is a registered ISO and MSP of First National Bank of Omaha, 1620 Dodge St., Omaha, Nebraska. The company lists a PO box in Fate, TX as its headquarters. The company advertises Harbertouch as part of its free POS system offer.

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. Review Table of Contents

  • Costs & Contract: GotMerchant offers a two-year contract with a $250 early termination fee and a payment gateway through Authorize.Net.
  • Complaints & Service: GotMerchant has received fewer than 10 public complaints.
  • BBB Rating: GotMerchant has an “A+” rating and has received 1 complaint in the past 3 years. The company has been accredited by the Better Business Bureau since 2010.
  • Sales & Marketing: GotMerchant does not appear to rely on independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With GotMerchant
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Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • Mobile
  • E-commerce

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here. Rates, Fees, and Costs

Key Points

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 $25
Monthly Service Fee $10
Early Termination Fee $250
PCI Compliance Fee Undisclosed
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 that advertises 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.


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.

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Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

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.

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Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 5 Complaints is an accredited business of the Better Business Bureau and is currently rated an “A+” with accreditation since 2010. As of this review, only 1 complaint has been registered with the BBB, and it was an advertising or sales issue. The single complaint either was resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

An “A” Performance Overall

In light of the company’s complaint total and resolution ratio, we agree with the BBB’s rating.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates 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 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.

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Our Opinion of

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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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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