Encore Payment Systems Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants that do business in multiple countries and across multiple storefronts

Specializes in

International payment processing, payment integrations, POS solutions, terminals, mobile payment processing, payment gateways

Pricing Summary

Setup Fee: $125

Monthly Fee: $4 (Bank Service Fee)

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : $195-$450+

Contract Terms:

3 Years
Visit Encore Payment Systems

Encore Payment Systems is now a part of EVO Payments International. EVO is a direct payment processor that offers integrated payment solutions with an international focus. The company offers rates and contractual terms that vary from merchant to merchant.

Encore Payment Systems Overview


Encore Payment Systems was a merchant account provider that was based out of Addison, Texas. However, the company was acquired by EVO Payments International in 2013. As of today, Encore Payment Systems has been completely folded into the EVO Payments International brand. Because of that, this review will focus on EVO’s offerings.

EVO Payments International is a registered ISO/MSP of Wells Fargo. The company offers direct payment processing solutions with an international focus. It uses a combination of tiered and interchange-plus pricing models with fees that vary from merchant to merchant.

EVO currently has an A rating with the Better Business Bureau but has also received a considerable number of online reviews. The bulk of these negative reviews complain about undisclosed contract terms and poor customer service.

Quick Facts

Head Quarters

Addison, Texas

Year Founded



Esther Wheeler



Merchant Provider Risk Tolerance

What We Like

Can support merchants that do business in multiple counties across multiple store fronts.

Specializes in international payment processing and integration.

Payments can be processed in over 150 currencies from over 50 markets.

Integrates all payment processing into a single platform.

A terminal is available if needed.

What We Don't Like

There is a setup fee.

Requires a monthly fee.

Early termination fee assessed.

Three year contract required.

Contract rates and and contractual terms vary from merchant to merchant.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store

Business Types Served

  • B2B
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Retail / Card Present
  • Small Business

Encore Payment Systems Products & Services


Merchant Accounts and International Processing

EVO Payments is a direct payment processor so they can process all of a merchant’s payments. The company is an especially good fit for merchants with an international focus. That’s because EVO Payments can process more than 150 currencies from over 50 markets across the globe. So if your company operates on a global scale, EVO Payments could be a good fit for it.

Integrated Payments Platform

EVO Payments integrates all of its payment processing solutions into a single platform. This is especially helpful for merchants who do business across multiple online storefronts. If you choose EVO, you’ll be able to see all of your payment information and analytical data in a single place. This makes it much easier to leverage that data and information to unlock meaningful insights into your company’s business processes.

Terminals and POS Solutions

Merchants can also get a terminal or POS solution through EVO Payments. The company partners with well-known providers such as Verifone, Ingenico, and Handpoint. However, EVO Payments doesn’t share much information about the specific products that it offers or how much merchants would have to pay to start using these products.

Encore Payment Systems Payment Processing

  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Encore Payment Systems Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Encore Payment Systems Advertising & Sales

EVO’s advertising practices are, generally, pretty solid. The company doesn’t appear to use any deceptive pricing tactics to lure merchants in. But EVO Payments isn’t very forthcoming about its offerings either. Merchants have to go through the early stages of the onboarding process in order to learn how much they would pay when partnered with EVO.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Encore Payment Systems Pricing, Rates & Fees


EVO Payments seems to offer pricing and fee structures that vary from merchant to merchant. The amount that you pay to partner with the company will, therefore, change based on the type of business that you do and how much of it you do. That being said, we do know that EVO charges an annual PCI Compliance fee of about $120. This is definitely on the higher end for a PCI Compliance fee from what we’ve seen from our research.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee

$4 (Bank Service Fee)

Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$49 Per Year

Equipment Lease Terms

48 Months, Non-Cancellable

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Encore Payment Systems Contract & Terms

EVO Payments favors a multi-year contract with an automatic renewal clause. The average length of this contract is three years. Not much is known about the specific terms that are included in the contract, as they seem to vary from merchant to merchant. However, we do know that EVO charges its merchants a $500 early termination fee if they cancel services before the contract is complete.

It’s also important to know that your contract with EVO will renew automatically upon completion. In order to prevent this from happening, you need to send the company a written cancellation notice within 60 days of the agreement’s end date.

Contract Length

3 Years

Early Termination Fee


Encore Payment Systems Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Encore Payment Systems Complaints, Ratings & Reviews

Currently, EVO Payments has an A rating with the Better Business Bureau. But the company has received a considerable number of online complaints. The common themes from these complaints are poor customer service, non-disclosure of contractual terms, and difficulty with closing accounts.



A and has been Accredited since 2005. (68 Reviews; 218 Complaints)


2.3 Stars / 4 Reviews




2 Stars / 9 Reviews


Total Online Reviews


Total Online Complaints




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