E-OnlineData Review

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Date Established
Portland, ME


e-OnlineData is a subsidiary of PowerPay, LLC and is based out of Portland, Maine. They cater to the e-Commerce merchant, but also handle retail accounts as well. Most of the good stuff about e-OnlineData will be found in the subsections below, but here’s a quick run through.

They have a nice blog, a Twitter account and a Facebook page, so feel free to connect with them in that regard. You all know how big a fan I am of these online social media channels. They provide for a public interface between us merchants and our merchant account providers, which can be golden when the need for that type of communication arises.

Everything else looks good as well. They provide interchange-plus pricing, they don’t lock you into contract with an early termination fee, and because of that, you can operate a seasonal account by just shutting it down during your low volume months.

The low amount of complaints combined with the zero cancellation fee give e-OnlineData a 4.5 out of 5 from Merchant Maverick.

Parent/Partner Company:
PowerPay, LLC is the parent company of e-OnlineData.

The e-OnlineData website states that they are a registered ISO/MSP, but I couldn’t find them on the Visa ISO/MSP list. I was able to find their parent company (PowerPay) though.

Acquiring Bank(s) (Acquirer):
HSBC Bank.

Payment Processor(s):
Global Payments. In the past, EOD partnered with Online Data Corporation (iPayment) as their processor, but as of late, Global Payments takes care of that service.

Payment Gateway(s):

Trust Symbols:
E-OnlineData doesn’t have their own BBB profile, but instead are under the PowerPay profile, so some of the complaints on that profile might be for PowerPay instead of EDO, since EOD was acquired by PowerPay just recently (2007). You can find the profile here. It has an “A-” rating as of this review, with 36 complaints in the last 36 months.

Negative Reviews:
I was only able to find a few online complaints. Two of them are threads on the WebHosting TALK website, which you can find here and here. Neither of those two are really that bad, and actually contain mixed reviews, both positive and negative.

The last one can be found here.

Do a quick read through, and possibly do a Google search for complaints on your own, but by the looks of it, they’re reputation is pretty clean.

Common Complaints:
There wasn’t much commonality between any of the above negative reviews, but some folks complained about bad customer service. That can usually be alleviated by getting to the right person within the company. It’s easy to get lost in the sea of merchants, especially if you’re dealing with a bigger provider, so finding someone who can get things done, will be of great help to you. If you read the WebHosting TALK threads, you’ll be able to find the contact info for that person. :)

Verifiable Testimonials/References:
You can find over a dozen testimonials on the E-OnlineData site.

Their online application is secured via DigiCert.

Customer Service:
I haven’t worked directly with e-OnlineData, so this is where your personal experiences would be helpful.

Contract Duration:

Cancellation Fee:
No cancellation fee. Be sure to read your contract though.

Interchange-Plus Pricing:
Interchange-plus is offered by E-OnlineData.

Seasonal Downtime:
E-OnlineData doesn’t have a specific program for seasonal merchants. If you’re an e-Commerce merchant that operates a seasonal business, you still have to pay for your payment gateway fee, so it would be best to just cancel your E-OnlineData account during your down months, then start back up when you’re processing again. Since they don’t have a cancellation fee, it won’t be too expensive for you to do so.

Product/Service Offering:
Retail (Credit/Debit), e-Commerce, Mail Order/Telephone Order (MOTO), Wireless, Check Processing, Gift Cards.

Product/Service Specialty:
E-OnlineData works mainly with e-Commerce merchants and online auction sellers (eBay and Overstock).

Don’t forget to leave your review and rating in the comment section. :)

Amad Ebrahimi
Amad has worked in the eCommerce and online marketing world since 2002. He started as an eBay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same. He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses. He's the man behind most of the merchant account reviews, and articles posted on MerchantMaverick.com. Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
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    Hello Merchant Maverick,

    Its good to know someone is looking out for us small business owners. Since I have my 1st chargeback with PayPal, I thought it was necessary to shop around. Wow! I’m quickly finding out how cut throat this industry is.. I contacted a few companies but I believe I will either bite the hefty fee PayPal is going to stiff me with or go with my local bank to avoid the tons of nightmares I’ve read in a few days online about these third party companies. Apparently its big business and most don’t care about if you’re successful or not. Thanks for your website!

    RatingNot Rated
    Jeff Sanders

    The review states there is no cancellation fee, which is false. There is a $250 cancellation fee, plus charges for the current month. Also, there are a multitude of negative reviews online, most of which stem directly from deceptive fees and poor customer service. I experienced both of those problems, which is why I closed my account in the first week. The customer service I experienced was deplorable. I can’t imagine working with this company for 3 years, let alone the 3 days I lasted.

    Michael Croix

    Same as Jay. They buried the 3-year term in the terms. Everywhere else requires express consent which I did not receive.


    We recently switched our account from Authorize to Bankofamerica, when I called to close my eonline data account, they sent me a form and no where it indicated that I would be charged a $250 early termination fee from PowerPay, we had never heard about this company because we had been dealing with Authorize, when I called to ask about the fee, they claimed that they have mentioned this to me ahead of time, if it was true I would have waited the 60days notice before closing account.

    This is complete Fraud……..

    RatingNot Rated
    Morgan Giddings

    I’ve just had a pretty bad experience with them.

    Three weeks ago, we initiated re-opening an old account we had with them. They said it would take one day. Well, it ended up taking almost two weeks, with three different people sending correspondence and asking for paperwork (sometimes identical paperwork).

    When they finally sent the contract for me to sign, it contained several innacuracies, including the “maximum ticket price”. I emailed back immediately with corrections. Two days later they emailed with a new document to sign, where the innacuracies hadn’t been corrected. Note that we were already 10 days beyond where we should have been, so I just signed it.

    Now, just a few days ago I charged my first “big ticket” sale ($5000) using this account (I’ve been doing that via Paypal merchant services until now).

    I got an email from their “fraud” department saying they couldn’t approve this until I provided a bunch of additional documentation. I forwarded to them the orginal email I had sent several weeks before indicating that my big ticket items would be this size, and they said: “It doesn’t matter – apparently we missed that, but you still have to give us the information.”

    So I printed out four months of statements from both Paypal and my bank account to send them.

    Two days later I get an email that says, “Sorry, we cannot allow you to charge big ticket items like that until we have a history with you (!?!) – but you can split up customer payments over several months if you want, no more than $2k” Can you imagine, as a merchant, having a customer who’s ready to pay, and saying – sorry, I can’t accept your payment, I must split it up over the next 3 months???

    This is one of the worst customer experiences I’ve had in years. If they’d told me this right away (i.e. within the one day originally promised) I’d have been fine with it. I would have just said, “no thanks” and found another processor (or found a way to make Paypal work with my systems).

    But now it is more than 3 weeks later, tons of emails and paperwork, and thousands of dollars of pending charges that won’t go through. Absolutely ridiculous.

    Oh yeah – and my original account with them ran from late 2009 to early 2011, and I never had a single charge back!!!!! (Out of hundreds of transactions)

    Maybe their customer service has gone down the tubes.

    I’ll never touch this company again, with a 10 or even 20 foot pole.

    Morgan Giddings

    RatingNot Rated

    I tried Eonlinedata, setup an account on Dec 14th. It took them more than a month to finally approve me. First I was told the setup fee for Authorize.net was waived and I would only be charged for the first month processing fee. Although my account was not finally setup and approved until late January, I was hit with a December fee of $38 and a January fee of $38 from EOD and $189.00 from Authorize.net. EOD website clearly stated $79 setup fee yet I was told it was waived. When I called and I called several times I got the run around and told to call Authorize.net, called authorize.net they tell me to call EOD. By February I had processed more than $700 in transactions but was only credited with $433 to my account. I called again and got the run around, told it was fees for this or fees for that. I cancelled the service. I’ve been doing business online for 6 years and always used Paypal. Although Paypal can be difficult to work with I only have to deal with 1 company, no statement fees, no minimum fees, I can access, see and track every dime I receive. With Merchant accounts you have the gateway to deal with, the merchant service to deal with.
    Some Merchant services charge $10 just to get a 1 page statement. LOL
    I now understand why Paypal is so popular. Avoid EOD if you can

    RatingNot Rated
    Sunil Saxena - InMotion Hosting, Inc

    We had been unsing Wells Fargo’s merchant services and then switched to e-onlinedata in 2003. Although they were acquired by PowerPay, the transition from my perspective was seamless, which is exactly the way it should be.

    As a business owner, I can confidently say that they have always been professional, courteous and responsive to all of my questions and requests. Additionally, I’ve found the rates to be competitive and fair. I wish my other vendors were as helpful.

    The Merchant Maverick


    Thanks for the review. I appreciate your time, as will all the folks who read this.

    RatingNot Rated
    Lisa Valentine

    You’re welcome!
    e-onlinedata is a wholly owned subsidiary of PowerPay and considered a PowerPay brand which is why we come under the same listing on BBB.
    Given that feedback, I’ll see how we can better position ourselves on BBB in the best interest of those looking for information on either company.

    Lisa Valentine
    Marketing Manager

    RatingNot Rated
    The Merchant Maverick


    Once I setup a page for PowerPay, you’ll be able to monitor any activity that goes on with your parent company, if necessary.

    RatingNot Rated
    Lisa Valentine

    Also, it’s PowerPay. Not ProPay. :)

    RatingNot Rated
    The Merchant Maverick

    Oops! :) Sorry bout that Lisa. My mistake.

    RatingNot Rated
    Lisa Valentine

    Hi Merchant Maverick,
    Thanks for taking the time to review e-onlinedata (EOD).
    However I would like to take this opportunity to point out some information that may be misleading to your readers.
    The 28 complaints received are actually concerning PowerPay and not EOD. Regardless, 28 is a very low number considering PowerPay has been in business for 7 years with a current merchant base of 40,000. I also would like to point out that many of the complaints received were of a cursory nature (e.g. failure to substantiate charges) and are no longer current and all have been resolved.
    In light of this information, I hope you’ll take into consideration on your review and see that EOD is truly a 5/5 processor.

    RatingNot Rated
    The Merchant Maverick

    Hi Lisa,

    Thanks for the clarification, but I guess that raises another question. How exactly are EOD and PowerPay connected? I did a search on the BBB for EOD, and the profile says “e-Online Data aka Power Pay, LLC” So, I think it’s the BBB profile that’s misleading. I also noticed that you’re using a PP email address for this comment.

    I plan on writing a review for PP as well, since it appears to me that some merchants would get confused about which company they’re dealing with when working with EOD. My philosophy is simplicity, and for some reason the merchant account industry doesn’t understand that, so I need to sort through it for the folks who don’t have the time to do so themselves.

    With that said, my reviews are always in flux, so legitimate comments from happy merchants would work wonders in increasing your score. Feel free to send them over. :)

    RatingNot Rated

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