Best for
eCommerce and retail businesses.
Specializes in
Integrating business technology to simplify credit card processing. They cater to individual merchants by pairing them with the best banking option for back-end processing. On the front end of transactions, they partner with multiple POS companies to provide the best options for customer service.
Pricing Summary
Setup Fee: Undisclosed
Monthly Fee: Undisclosed
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : Up To $500
Contract Terms:
eMerchant, Inc. is owned and run by William Dumont.
The company was founded in 2002 and has their headquarters in Irvine, CA.
From the creation of the company to the present, William Dumont has operated with the simple credo, of treating the customer like he would want to be treated. This is apparent in the services they offer and their reputation for customer service.
The company offers a variety of options at every stage of the processing scenario. Their goal is to find the right tool for each merchant under their care.
They offer full transparency and live customer service in an approach that feels more like a small-town business than the national-level finance they offer.
With twenty years in business, eMerchant, Inc. has maintained a low complaint total and can thank their marketing approach for this customer satisfaction.
Head Quarters
Irvine, California
Year Founded
2002
CEO
William Dumont
Employees
20
Merchant Provider Risk Tolerance
Hardware and Software
eMerchant, Inc. offers a wide variety of options for in-person transitions. They have terminals, registers, and mobile card readers from Clover, Poynt, PAX, Ingenico, Castles, MagTek, Paysaber, BBPOS, Chipper, and First Data to fit specific business needs.
With the variety in equipment, their claim that they integrate seamlessly with any industry POS system is easy to believe.
For software, they offer several eCommerce platforms, virtual terminals, and payment gateways. Once again, their goal appears to be offering each merchant enough options that they can be paired with the best solution to their needs.
Value-Added Services
There are only two easily spotted extra options available on the company website. They offer business loans and PCI compliance help.
The business loan comes under several different names in the industry, but it boils down to providing funds for a business to expand their services and taking repayment as a percentage of each credit card transaction. This is an easy way to help build a business while not breaking the bank on a repayment plan.
The PCI compliance is a yearly review to help merchants ensure they are maintaining the proper level of compliance to avoid fees and fines.
Supported Payment Types and Services
Visa
Mastercard
Discover
American Express
Apple Pay
Google Pay
Diners
JBC
Discloses All Important Terms
No
Public Pricing Available
No
On their website, eMerchant, Inc. states they utilize full transparency. They offer an interchange-plus model that they adapt to each merchant.
By using interchange plus, they can offer a wide range of rates.
According to their website, they also work with multiple back-end merchant account holders. This is another reason they most likely do not openly advertise rates on their website. They don’t set them.
It appears that they use this system to find the best option for each merchant.
There are different fees associated with each of the different companies they work with. There are early termination fees, PCI compliance fees, annual fees, monthly fees, etc.
There are also fees associated with the virtual terminal and eCommerce gateways. These have some variations depending on the business type and volume.
Pricing Model
Tiered Pricing
Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Monthly Fee
Undisclosed
Payment Gateway Fee
Up to $25 Per Month
Batch Fee
Undisclosed
Early Termination Fee
Up To $500
PCI Compliance Fee
Undisclosed
Equipment Lease Terms
Undisclosed
Address Verification Service (AVS)
Application Fee
Account Setup Fee
Undisclosed
Gateway Setup Fee
Up to $100
Annual Fee
99
Monthly Minimum
Undisclosed
Statement Fee
Undisclosed
Depending on the company the merchant account is sold to, there are different contract lengths. It appears they range from one year to three years, however, there is a vague reference to a contract that may be a month-to-month agreement.
Contract Length
3 Years
Early Termination Fee
Up To $500
With the diversity of options, setup time also varies. Depending on the risk level of the business underwriting ranges from 1-7 days. Software setup generally runs quicker than underwriting.
There is also the delivery time for equipment. Once the merchant has the equipment in hand, setup is generally a matter of booting and connecting to whatever POS system is in use.
As stated above, eMerchant, Inc. prides itself on customer support. Whether that is a new customer seeking a quote or an existing merchant account needing tech support, the call will be met with a live rep from the company.
In addition, they have a pair of emails to go to a specific department.
BBB Rating
B-
eMerchant, Inc. has a profile but is not accredited. They have one complaint from the past three years and one negative review.
Other Online Reviews
There are several reviews found online, many of them negative. However, there is confusion about the name. There is a professional review that says there are five companies with very similar names.
BBB
B- and is not BBB Accredited. (1 Review; 0 Complaint)
5 Stars / 3 Reviews
5 Stars. Based on the opinion of 2 people
Yelp
N/A
Total Online Reviews
10+
Total Online Complaints
Lawsuits
None
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