Expect Payment Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard risk companies of all sizes looking to increase their savings in credit card processing transitions.

Specializes in

Working with each merchant individually to create the best possible scenario for streamlining merchant transactions.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : $495

Contract Terms:

3 Years
Visit Expect Payment Solutions

Located in Vancouver, WA.

Founded in 2007.

The principal is listed as Derek Garvin.

Expect Payment Solutions Overview


Expect Payment Solutions has gone through several stages of activity with a period between 2016 and 2019 where the company may have been on hiatus. During that time frame, there was no evidence that the company was active.

As of 2022, the company appears to be functioning.

There is not an overwhelming amount of information on their website, however, it appears to point potential customers in the right direction and informs merchants that they are a front-end reseller for First Data.

Expect Payment Solutions is so confident in their ability and pricing that they offer two guarantees. The first is they offer to beat a merchant’s current rates or they will pay the merchant $700. The second guarantee is if they can’t show money saved on rates, they will allow a merchant to break their contract with no termination fees.

They have a Better Business Bureau profile with two single-star ratings. Other online reviews do little to remedy this perspective.

Quick Facts

Head Quarters

Vancouver, Washington

Year Founded



Derek Garvin



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • Thrift Store

Business Types Served

  • B2B
  • Drop Shipping
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

Expect Payment Solutions Products & Services


Hardware and Software

It appears Expect Payment Solutions offers a variety of options for brick and mortar terminals and registers. They also mention options for eCommerce, which hint at a gateway payment option. There are references to working with industry-leading website/shopping cart designers, but no further information.

There are references to POS systems, but no mention of how they can integrate with existing hardware or if they are referring to equipment a merchant purchases or leases that comes loaded with a POS system.

There is no reference to what company supplies their terminals and registers.

Value-Added Services

Expect Payment Solutions advertises several services that can appeal to specific merchants, however, they do not go into great detail about what exactly they offer beyond a quick mention.

Merchant cash advances are offered to support the growth of individual businesses.

Gift and loyalty card programs to help build and sustain a customer base and brand awareness.

ATM services can be a draw for smaller merchants.

They claim to have a top-level security system to prevent credit card fraud. They work side by side with Visa and Mastercard to ensure the protection of all their clients.

Supported Payment Types and Services

American Express

Expect Payment Solutions Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

Expect Payment Solutions Billing & Invoicing

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

Expect Payment Solutions Advertising & Sales

From outside sources and company reviews, it appears Expect Payment Solutions uses a combination of independent sales reps and in-house reps. According to reviews many of these independent contractors utilize high-pressure calls and often do not disclose the full terms a merchant is signing on for.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Expect Payment Solutions Pricing, Rates & Fees


There are no numbers presented on the company website other than guarantees for lower rates. This is most likely because the pricing options Expect Payment Solutions offers are flexible. Many large companies are able to vary what they offer based on the merchant application.

The offer of variable rates signifies that a merchant has the ability to negotiate their contract and should be aware of what they are signing.

According to reviews and complaints, there appears to be a $495 early termination fee.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


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


Expect Payment Solutions Contract & Terms

Contracts appear to be multi-year, however, there is no clear indication of actual length to be found on their website. This may be because contract length is also variable.

There are separate contracts for merchant accounts and equipment leases. The merchant account contract can be canceled with an early termination fee. The equipment leases are non-cancellable and have to be paid out in full.

Contract Length

3 Years

Early Termination Fee


Expect Payment Solutions Setup & Support


Setup depends on what a merchant signs the contract for. A gateway or software upgrade can be implemented in a matter of minutes, while hardware depends on delivery time. Also, underwriting for a merchant account can take anywhere from 2-14 days.

The website offers a phone number and a message portal. There is no indication whether these contact points direct someone to sales or tech support.

There are complaints on the Better Business Bureau website that the customer service is challenging to get through. There are some complaints that the support phone numbers are not functional.

Setup Highlights

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

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)

Expect Payment Solutions Complaints, Ratings & Reviews

BBB Rating


Expect Payment Solutions has a profile with the Better Business Bureau but is not accredited. There are several complaints filed through the website, but none of them have been resolved to the customer’s satisfaction.

They have received a 1/5 star rating from customers.

Other Online Reviews

There are more than twenty reviews to be found on multiple sites across the internet. Almost universally there is a theme of misinformation between sales and reality. The rates and benefits promised by sales reps do not always meet the expectations of the merchants.



B and is not BBB Accredited. (5 Reviews; 4 Complaints)


2 Stars / 27 Reviews


5 Stars. Based on the opinion of 32 people




Total Online Reviews


Total Online Complaints




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