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Elavon Review

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Elavon Review

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Date Established
1991
Location
Atlanta, GA
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl



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122 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Josh

    Organization Name: Olympus Athletics

    So I normally never leave reviews but this is just too frustrating of a situation that I have to let other people know what this company has put me through. I run a gym called Olympus Athletics in Merced, CA. I recently switched over to a gym management software called Gymmaster. Gymmaster integrates payments with bluefin (who i chose as my payment processor). Apparently bluefin partners with elevon for depositing money into peoples accounts. I used these companies software for about 6 months with no issues whatsoever. One day I notice nearly 1000$ charged from customers never made it into my account on the normal 2-3 day window. I waited a few more days just to make sure I was not being impatient. The clients were charged on a Sunday, and the Monday of the following week I finally decided to check into what was going on. I soon realized none of my clients had been charged since that last Sunday, and all payments were coming up as failed payments. I called around to figure out was going on and it finally took me a few days just to get a hold of the proper people. Keep in mind I only thought bluefin was responsible for my payments, I had no idea who Elevon was. So finally a person from bluefin directed me to Elevon. After calling almost every department, I was finally led to the person who actually shut my account off. She was very rude and not very understanding of my situation. See, I am literally in the middle of moving to a new business location. When this problem originated, it was literally the weekend we had moved all of our equipment into this new facility. Because the move itself had so many unexpected expenses, our emergency funds and savings were much lower than normal. Of course this issue had to begin at the worst possible time. Anyways, she told me I was using their payement services for ecommerce, which is completely untrue. I had shirts set up to sell through a drop shipping company on my website through a completely different payment processor. She had assumed that because I had shirts on my site for sale, I was in violation of some sort of agreement. She also explained that she had tried to contact me before closing my account. I looked through all my mail and emails and there was absolutely no warning or notice telling me my account would be suspended and eventually closed. I checked my voicemail and did hear 2 voicemails of someone from elevon “calling to discuss some details” on my account. Because I did not know who Elevon was, I assumed this was a scam and spam caller and ignored the voicemails. I explained this to her and all she had to say was “Oh, that makes sense. Your account is still flagged as a risk and will remained closed.” Completely unapologetic and cold. I am a 24 year old college student running this business with my 21 year old girlfriend. We don’t have a ton of money, everything we have done has been on our own. To think a company that is charging you and making money off of you would be such a pain in the butt is a scary thought. If we didn’t have as much money saved, I literally would not have money for food right now. All of my money comes from my business, it is my lively hood. Also keep in mind I used a different payment processor (stripe) before for 3 years with no issues at all (same things on the website). I only switched because this payment processor integrates with my gym management software. I fixed my website and the people from bluefin have been very helpful, although the situation is out of their hands. I changed my website to delete all ecommerce since I don’t make any money from commerce, I only make it from my gym. I had the clothing set up in plans of advertising for it down the road but never made any sales yet. Anyways, I am currently still waiting for Elevon to reopen my account. I have left multiple voicemails and have not received any callbacks. I hope i can get my account open, or I will have to go with another processor which will take weeks to set up. I may have to take a loan just to pay for food at this point if the situation continues. This is the absolute worst service and literally almost caused me to starve. Avoid working with them if possible.

    1
    • Organization Name: Olympus Athletics
    Dwight MacKay

    Organization Name: MacKay Precast Products.

    OMG I can’t believe this company. I started trying to close this account in February, I returned the equipment i jumped through all the hoops they asked for and in September the account was finally closed and have been charge every month. I t obviously doesn’t matter what people write because they are still in business,

    • Organization Name: MacKay Precast Products.
    Philip G

    Organization Name: FLEXX Productions

    1)The bad taste starting in Feb of 2019 when Elavon held 100k transaction, wanted our client contract and signed credit card form which violates all our privacy policies. And even after providing they wanted to talk direct with our client who did verify the transactions. Elavon still did not release the funding for 10 days. 2) We have been trying to do a simple name change for 2 months which requires 8 pages of paperwork that we have filled out, corrected, changed 5 times and they keep asking the same questions. 3) After unsuccessfully changing our name I told them forget it I’ll find a new processor. You think this would prompt action to resolve any issue with your client. We are switching to Cayan, saving money and can actually talk with someone live that is willing to assist. Stay clear-

    1
    • Organization Name: FLEXX Productions
    Kathy Capri

    Organization Name: Rita’s

    Elavon and East Comerce Solutions Inc. are the worst Merchant Company EVER!!!! They never follow our cotract rate as they promise, they over charged, when I closed my account with them, they continue withdrawing money for my account. No one can stop them!! So sad

    1
    • Organization Name: Rita’s
    Micco

    Organization Name: Behzad

    I would give them no stars at all. I canceled my account by mid-Feb 2019 ( and send back all the equipment) to stop charging me a monthly fee because my business is closed and I am retired. After calling 2 times giving them my case number for cancelation. They promised to refund the money they took extra for 2months by next day, WELL, the week passed nothing happened yet. should have the shame of them I will not be recommended even to my enemy.
    B. Ghashghaee

    • Organization Name: Behzad
    Robert Hill

    Organization Name: General exterminating

    DO NOT USE THIS COMPANY!!!!!We have had this product for 10 months and only been able to run TWO I repeat TWO transactions on it. Lanco leasing is a absolute joke, $945 early cancellation fee. Customer service is terrible DO NOT WASTE YOUR MONEY!!!!! Alot better options out there.

    1
    • Organization Name: General exterminating

    This comment refers to an earlier version of this review and may be outdated.

    John F Neale

    Organization Name: John F Neale Publishing

    Dreadful people to deal with, do not reply to letters, overcharge and miss payment. Will NEVER deal with them again. Total lack of communication from them, should not be allowed to trade.

    • Organization Name: John F Neale Publishing

    This comment refers to an earlier version of this review and may be outdated.

    Keith Hogan

    Organization Name: Appliance Alliance

    Dont do business with this company. They said my lease was for 2 years and when i received the paper work statement , its was 4 year lease and they wont help , even after 2 years , I have 3 machines and they wont let me return 1 , becacause the contract . I only need 1 or 2 machines. Half the tine they dont work , but they send rebuilt ones to me if i need one that works. they charge me hundreds every month even if i just run 12 cards for amounts under 200 $ .

    1
    • Organization Name: Appliance Alliance

    This comment refers to an earlier version of this review and may be outdated.

    LISA BIRD

    QUESTION. How does one come up with a 3.5 rating with all these poor reviews???

      This comment refers to an earlier version of this review and may be outdated.

      Jessica Dinsmore

      Hi Lisa,

      We get this question from time to time, so we wrote an article about Negativity Bias, to help break it down for our readers. I hope this answers your question! Thank you for reaching out.

        This comment refers to an earlier version of this review and may be outdated.

        Sequoia Price-Lazarus

        Elavon has terrible customer service. I almost never write review but having a company hold over 600k of your funds for days on end, then being “too busy” too deal with you simply unacceptable. Yes, that is $600,000. The first time, the sum got to ~$450,000 and it took 7 buisiness days for them to realease it since the amount got so big it had to go to their VP. Apparently they needed to increase my processing limit, but never contacted me about it. The second time, I saw them coming up on the newly raised limit and tried contacting them to increase it. I called and left 5+ vms and sent my account manager 4 emails over a 2 week period, with no response. Then, they hit the limit and stopped payouts and are currently holding over 200k of my funds and its been 5 business days. Finally he has started answering my phone calls 1 out 5 times I call, and I am hoping to have the funds by end of week. When I finally got a hold of him, he questioned ME why I hadn’t gotten my limit raised, and I was just flabbergasted – since I had be emailing and calling him for weeks to address this problem. Anyhow, TERRIBLE company.

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          This comment refers to an earlier version of this review and may be outdated.

          Melissa

          Organization Name: Play It Loud

          Signed up with Elavon services for my new broker/wholesale business and after using for just over 1 month got a call to have a ‘review’ and ended with closing my account. (not my choice, THEY SHUT DOWN MY ACCOUNT!) After explaining to them some of my charges they responded with “you cannot use your terminal for accepting sales of product that isnt yours” .. THATS LITERALLY MY JOB/BUSINESS! ..as they knew considering when I signed up for my account I had to describe my company. I buy from manufacturers and resell to people. What terrible customer service… way to damage the ease of my business and lose a customer. Makes zero sense. Screw this company!

          1
          • Organization Name: Play It Loud

          This comment refers to an earlier version of this review and may be outdated.

          Bob Neel

          Organization Name: McCrea Cellars, Inc.

          Our rates (through Costco) are lower than you report. Faced with a threat of “not supporting” our old, non-compliant terminal and forcing us to upgrade with units from Elavon — which are priced above what’s available from other sources — we decided to make the comparison with PayPay Here and Square. We have low volume and relatively high dollar transactions, and have absolutely no need for the enhanced security now being forced upon the industry.We have 2 Elavon accounts: one for swipe and another for key-in (“phone”). I took the actual charges for all sales on both accounts, over two of our busier months, and calculated them as an overall percentage. I also ran those same numbers through a PayPal Here simulation (2.7% for card present, 3.5% + $0.15 per transaction). I included all fees & monthly report charges, etc. Just TOTAL FEES / TOTAL SALES. Elavon/Costco = 2.00 %PayPal = 2.82% (we have a mix of swipe and key-in)Our sales volume isn’t huge, but that represented a roughly $200 savings for the months of Nov & Dec, 2017. We really have no complaints with Elavon/Costco, other than they kinda stick you when it comes to purchasing equipment. That said, they will continue to allow transactions via our old terminal until it basically dies. And, we’ve always gotten decent response from Customer Response.

          4
          • Organization Name: McCrea Cellars, Inc.

          This comment refers to an earlier version of this review and may be outdated.

          Kim Kennedy

          Organization Name: StillWaters Neonatal Center, Inc

          I am sick!! We are a nonprofit organization that was looking for a simple and affordable way to process credit card donations. Our bank representative hooked us up with Elavon. We have only been with them for 4 months and as our establishment has been slow throughout that time, we have never even enabled the card readers. One is still in the packaging. We have had 0 transactions and no help or response from our sales rep. or Elavon. They have withdrawn nearly $800.00 from our account! I have contacted them to terminate our relationship for they will soon deplete our remaining resources, with no response back. We our a Neonatal Center trying to open to help babies in our area born with drug addiction. From the responses I am reading, we look like we’re in trouble. Please pray for a miracle that we can break free from this company that is definitely NOT for nonprofits!

          • Organization Name: StillWaters Neonatal Center, Inc

          This comment refers to an earlier version of this review and may be outdated.

          Brian

          So I’ve had 3 different times that I had to call in because my deposit money was on hold. No notification from the company, just me calling in and asking why I don’t have my money just to find out they put it on hold because they needed something. Then after being in business for 2 months, 3 issues, they told me today they closed my account because it was “high risk”. WTF. You should have denied my account, not vetted it multiple times and let me operate and then not notify me, just stop my account, now I cannot take payments, no notice. AVOID THIS COMPANY AT ALL COSTS> SCAM

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            This comment refers to an earlier version of this review and may be outdated.

            Uphoria Studios

            Superb blog you have here but I was wanting to know if you knew of any message boards that cover the same topics talked about here?
            I’d really like to be a part of online community where I can get responses from other knowledgeable people that share the same interest.
            If you have any recommendations, please let me know. Thanks!

              This comment refers to an earlier version of this review and may be outdated.

              Ricky C

              Prepare yourself for some of the worst customer service possible. We contacted Elavon to stop billing us over $100 a month for service we were not using. We hadn’t processed a card in months. The next month, we were surprised to see another bill on our account. Currently I’m on hold so the good news is i can warn people about this approach. But here is one of the most conniving automated questions I’ve ever experienced. We are a business and called their support line. The first message being heard as of Sep 1 2017 is “Do you have anyone in your household age 50 or more? Press 1 for YES and 2 for No”. WTF. Why would a business to business service want or need this information to proceed. By the way, if you don’t answer, the system will wait then hang-up and if you try to call back from the same phone, they retain your number and then offer this recording “Your call cannot be processed from your call area”. If you are looking for a devious company to work with, this is the one for you. Still on hold and off to the next website that provides reviews on this company. Good luck if your press forward.

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                This comment refers to an earlier version of this review and may be outdated.

                Callie

                The customer service here is absolutely terrible. The first person I talked to gave me some information I was looking for, but I had lots of questions and emailed them back to her. She never responded. I sent a follow up email a few days later and still heard nothing. I then called her extension and left a voicemail and she still never responded to either my emails or phone call. I then called back and spoke to a different person who was incredibly rude. The only reason I stayed on the phone with him was because he had given me more information than the first person. I then had further questions for him and we left a voicemail on his extension. Never called back. Needless to say, we are done with this company and have chosen someone else to work with.

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                  This comment refers to an earlier version of this review and may be outdated.

                  Laura

                  This is a company that invests very little in it’s field representatives and customer service phone staff. Technology is moving fast and this company is lacking in the training in the updating and general functionality of their machines. My deli staff knows more about updating parameters, TID and operations than most of the Elavon representatives. I process $750,000 per year in credit cards, you’d think I wouldn’t have to suffer long phone wait times to spend time correcting mistakes Elavon has caused. Even their field representatives have long phone wait times; the company doesn’t provide a “back door” problem solving phone line for them.Very disheartened with the company and currently seeking another after only 3 years.

                  2

                    This comment refers to an earlier version of this review and may be outdated.

                    Don

                    Elavon are pure evil . Do not use them ever for credit card processing. They do not support small businesses but instead bully them .and harass them with a team of nerds that have no idea about running anything. After One year of having the account I was forced to give my financial statements when they wanTed them and then bullied on a conference call , discussing every aspect of my statements and all kinds of intruding questions about my business . Don’t use them.

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                      This comment refers to an earlier version of this review and may be outdated.

                      Peter

                      That’s called customer due diligence. If you’re a small business sometimes they have to ask you a lot of questions to make sure you’re not a fraudulent company.

                        This comment refers to an earlier version of this review and may be outdated.

                        Maria Munoz

                        Alert Stay Away……
                        Elavon D.B. A classic.converge pay.com, for small business this merchant account was assign to us by Regions Bank for our small sales company http://www.yellowhelper.info
                        first batch was without a problem and the second, then the nightmare started, first they we got an e mail from Elavon did not know they are the same company stating that the charges are not correct information was missing so they held on to the next weeks of useless e-mails from (Sara Miller) sara.miller@elavon.com (Investigative Analyst) claiming, 1) she can not access our website 2) Information from the clients is incorrect, 3) Explanations on how & what we sell to our clients bla bla, and I say this because it was all useless, our IT department send screen shots of everything to do with our business pictures of the office, direct links to our website etc and Nothing worked. Confirmation from our clients vie e-mail, doc sign agreement and to the point to ask them to call her line directly because she was not satisfied with the info we provided even to the point to ask the client on what year they apply to their cc, our clients took their time to call her directly and no luck she made us look like we were stealing and Embarrassed, our company to the point that have more personal information from our clients than is necessary in order to prove her the purchase was legal now for one how will our clients purchase from us if they don’t see our site on line only one that was or did not follow up on that was her, 2 they call her direct line to give her their personal info in order to clarified the miss understanding and on top of that was not enough e-mails where send at the end of the day so I take it this lady before she left without following up on our business just send an is not good enough and after all she just said sorry your account is closed we will be holding on to your money for 90 days you not good enough for us, so if you are a small business and think about dealing with them STAY AWAY READ MY STORY that is not a story is a nightmare for my start up…

                          This comment refers to an earlier version of this review and may be outdated.

                          Terry Colwell

                          We have used this service for a number of years and until we switched to the ingenico cc processing machine a few months ago we had been quite pleased. Then the wheels fell off.On the few occasions we tried to use the new processing device it wouldn’t sink with the apple cell phone used for the data import. When we contacted tech support we had to re-program the phone app due to software updates that had wiped out the previous settings. To get this done we had to supply customer account #, user ID, password and finally our federal ID tax number. This was inconvenient enough when done in an office environment with all those items available but impossible to provide when we were at a mobile site ready to process payments only to find the device would sink with the phone.On Monday at an event it happened again and we were able to give all the appropriate ID’s to the tech rep until he asked for our Fed ID. Not exactly a number we carry with us everyday. Without that he couldn’t do anything to help and informed me that they were having constant problems due to the model I-phone we were using. Tuesday we called our rep to see if there was a solution to this perpetual problem and never received a call back. On Wednesday we made another call and sent an email to our rep telling her we wanted to cancel our account. She responded she wasn’t in the office but we could cancel our account by calling customer service and she would call us on Thursday. On Thursday we called customer service to cancel our account and to request a refund for the cc reader that had not worked more than it did work. They said there wouldn’t be any problem canceling our account and they would check to see if they could refund us the cost of the device.What a surprise that neither our customer rep or the supervisor at customer service made any attempt to save our account. Instead they politely said they would process the cancellation.Thank goodness we had a back-up service called Pay Pal that handled our cc processing the day of our event.

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                            This comment refers to an earlier version of this review and may be outdated.

                            Lori Howard

                            If I could give it a negative star review (“minus 50 stars), I would. I NEVER told that I would have to spend two HOURS signing up with the ridiculously overburdensome PCI manager process, which of course keeps sending me messages saying I’m not yet complete even though m sales rep guaranteed me, after the two hours we spent together on a blustery afternoon, that I was completely finished. I was also never told that, instead of simply being able to pull up an app and choose which account I would put money into from a transaction, I have to go in and out of the stupid slow app to sign on and off with various passwords do so. The receipts are terrible – you can’t save them, you can’t send them, you can’t text them. You can print them, which is totally worthless and just wastes paper. The online experience isn’t any better. Not only do you have to put in a number, and a user name, and a password, then you have to remember which of the tiny-print screen options to choose once you’re in the system. Oh – and never ever try to go back to a previous screen under any conditions. Why? Because you get the fun opportunity to sign on again with all the same information you just put in.I am a one-girl shop. I didn’t need fifty thousand hoops to jump through to allow people to pay from their credit cards. NOT WORTH IT AT ALL, no matter how much money it is (allegedly) saving me. I have spent at least a half a day of time trying to finish all the items they deem necessary in order to begin accepting payments. I will be cancelling this service at the very first opportunity that I have to do so.I will never recommend this service to anyone.

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                              This comment refers to an earlier version of this review and may be outdated.

                              CANCEL ELAVON and US BANK

                              Elavon seemed fairly easy to set up in a US Bank. But transaction fees weren’t as cheap as advertised. Then came the fraudulent hidden fees.The worst are their hidden fees. PCI compliant fees come without warning, so you get PCI compliant. When I opened two accounts one was charged immediately even after I told them I wanted the month to month to be the active one.Then came 2017 with bogus location fees, again without warning.Tech support said to check your email , then your regular mail; but nothing came. Instead customer service told me I have to go on and create an online account with their site. I don’t want a stupid online account just to look at notices. This is fraud. Not only do you have to create an online account to process online (www.myvirtualmerchant.com ) you have to create a separate statement account (www.merchantconnect.com) just to look at your statements. I assume they do this intentionally hoping people only set up a processing account online.Result, this year I was charged $49.99 for this new “location fee” without warning. They say they can’t refund it and that the credit card companies are the ones that charge it. Typical corporate fraud taking advantage of small businesses.Not worth the time to have to babysit a Merchant service account because changes will happen without warning.I’m not only cancelling my Elavon account, I’m cancelling my US Bank Account who also fraudulently charge my bank account for “nonuse”. Hello, if I’m not using it, it’s not costing them anything to keep it open!

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                                This comment refers to an earlier version of this review and may be outdated.

                                Peter

                                PCI compliance would have nothing to do with Elavon. You, as a vendor are responsible for making sure you are compliant with the rules and regulations of the Payment Card Industry. It’s like blaming Elavon because you were driving a car without a license, and the DMV were charging you each month.
                                If you’re going to run and own a business, it’s good practice to understand compliance for VISA/MasterCard etc…. If you become compliant you don’t have to pay their fee.

                                  This comment refers to an earlier version of this review and may be outdated.

                                  Kathryn Coughlin

                                  Organization Name: Sherborn Wine & Spirits

                                  Peter, I don’t disagree. But I am in the process of evaluating Elavon for my credit card processing and I asked the sales rep *specifically* about PCI compliance process and the time and money I would have to spend to be compliant. He said there is no fee and that they handle my compliance. I had a similar experience as the above commenter when I first opened my store 2 years ago. I spent so much time struggling to understand the online survey and had no support. I switched to Square, which takes care of all that. I have spent a considerable amount of time over the last 2 years of my business (including reading the excellent advice on this site) trying to decide whether the 2.63 negotiated rate with Square is worth not worrying about stuff like this. I think it is.

                                  • Organization Name: Sherborn Wine & Spirits
                                  Wolfgang

                                  When I originally commented I appear to have
                                  clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I receive
                                  four emails with the exact same comment. There has to be an easy method you are
                                  able to remove me from that service? Cheers!

                                    This comment refers to an earlier version of this review and may be outdated.

                                    Chloe Bahal

                                    Hi Wolfgang,

                                    Thank you for reaching out. The 4 comments is a bug that should be fixed by now. You should be able to unsubscribe from the notifications within the email alert. I hope this helps and if you have further questions please let me know.

                                      This comment refers to an earlier version of this review and may be outdated.

                                      team

                                      http://sunfrogus.net
                                      When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a
                                      comment is added I get several emails with the same comment.
                                      Is there any way you can remove me from that service?

                                      Thanks!

                                        This comment refers to an earlier version of this review and may be outdated.

                                        Chloe Bahal

                                        Hello,

                                        Thank you for reaching out. The multiple email notifications is a bug that should be fixed by now. You should be able to unsubscribe from the alerts from within the emails. I hope this helps but if you have further questions please let me know.

                                          This comment refers to an earlier version of this review and may be outdated.

                                          Clive

                                          I thought I had ceased business with Elavon, I bought out my contract and returned the card machine,gave 30 days notice.ceased the direct debit..and yet I continue to receive further bills, I certainly would not recommend this company,they could definitely contribute to putting a small company out of business,due to there extortionate business practices. Keep well clear,you’ve been warned !

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                                            This comment refers to an earlier version of this review and may be outdated.

                                            Susan

                                            Elavon and Ladco Leasing. Please be aware that these two entities are subsidiary and are under the same umbrella. If there is a problem these two will send a merchant back and forth claiming the other can only solve the problem.

                                              This comment refers to an earlier version of this review and may be outdated.

                                              padgett

                                              Buyer beware. Look over statements carefully and continually. Any errors need to be brought to their attention within 45 days or merchant is left without recourse.
                                              Review 75 page Terms of Service, recomend a lawyer if needed so merchant is fully educated on charge backs and other issues. Ask for detailed list of fees up front in writing. Keep copy of terms and contract. Advise Do not lease or rent any terminals.

                                                This comment refers to an earlier version of this review and may be outdated.

                                                Max

                                                What a bunch of disorganized thieves! They were referred through my bank and I just assumed my bank had done some due diligence on these guys. We have almost no charge backs, well one client who had worked with us for over 2 years decided that he would dispute 6 months of charges, $1000 per month for six months. He claimed he did not order the TV advertising time. I sent a letter to each request along with the signed contract to Elavon and they decided on 5 of the 6 invoices that they would credit back the money that they charged back when he filed the claim, keep in mind that all six invoices were for the same ads based on the same contract. I then get a call from “Revenue protection lady” who asks me if “I have the money to cover if there is a charge back”, I explain to her that there had been only one charge back for $1000. She told me do avoid fees that I should “credit back $5000”, I protested and said I did not want to do that. So I check my bank statement a few days later and these scum had drained my account $400 at a time, like a street criminal does on a credit card fraud or debit card fraud, so that they could get as much as possible without “bouncing” the request, in all they took $8000 before the they hit “uncollected fund” which cost me bank fees. So they have $8000 of my money for a very weak claim for chargeback of $5000 and no one can give me a straight answer as to why $8000 and more importantly are they going to be taking more money from my account without my permission. Real pieces of dirt. Do not use this company, they are crooked.

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                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Card guy

                                                  In fairness processors really have nothing to do whether you win or lose charge backs. When a customer disputes a charge, the issuing bank of that card contacts the processor, in this case Elavon, and tell them what they need for the chargeback. Elavon then contacts you to let you know about the chargeback and are basically passing on info from that issuing bank. Elavon really has nothing to do in regards to you winning or losing, it’s the issuing bank making the decision based on the info you provided. A LOT of merchants don’t understand this process and blame the processor. Understand I’m not a fan of Elavon as they are a competitor but I do like educating people about the industry. Even with this info many will still want to blame the processor but again, that’s due to not understanding the process. Hope this helps.

                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Natashia Pysh

                                                    I would never recommend this company. They make it nearly impossible to close your account. We had no problem with the initial signing on or their service, but we found we just weren’t using it as all our customers are now on N 30 accounts. I have emailed, called, etc. They just don’t respond. When I call I get put on hold and no live person ever comes back. I have sent several emails and get weird responses, such as :MSP- please assist this is an MSP account, but I am not contacted by anyone. This has been gong on for several months now. It’s quite frustrating. Today, I emailed through the website stating if I did not get a response, I would file a complaint through the BBB. This company is not transparent and has dishonest business practices. Frankly, I am surprised they are allowed to continue to operate. I checked the BBB and they don’t have a good reputation. There are many complaints filed for the same reason, cancellation takes several months and only happens after repeated contact and filing of complaints. It’s their business strategy to stretch it out for as long as they can.

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                                                      Jorden

                                                      I would never recommend or use this service. I was signed up by a third party claiming he worked for Elavon. He got me into a five year contract I am unable to cancel. After paying $50 dollars a month for two years (on a machine that costs under $700) I decided to use a different service. I tried to cancel and they told me I had to pay $1500 dollars to get out of the lease or continue to pay for the service. It gets worse. I asked what we could do about at least upgrading the machine as the rules have changed in Canada. They said they would not upgrade my machine unless I resigned a longer lease. My sales reps name was Alex. I will leave out his last name but if this guy comes into pitch you a sale……… RUN. Overall, ripped off and left helpless is how I feel. Thanks for nothing Elavon

                                                      Jorden

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                                                        Bill Coulter

                                                        This month, $53.80 in fees on $90.00 in sales. Elavon takes advantage of you, constantly increases the costs and fees. It should be illegal to charge as much as they do.

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                                                          Tony

                                                          How is that possible ? I am just curious ..what did they have to say about it.

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                                                            Theresa Castellano City Discount House Corp.

                                                            I wish to terminate my association with Elavon, please direct , thank you
                                                            Theresa
                                                            201-656-9449

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                                                              Tom DeSimone

                                                              Hi Theresa,

                                                              You’ll have to contact Elavon directly. They will let you know how to submit the paperwork. Let us know if you need help finding a replacement.

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                                                                Hornsea Ink

                                                                I wanted to rate this company with no stars. They are rubish, over charging, liars who have no interest in customer service. Our terminal was down for almost 4 weeks, nobody cares or tried to help but Slavonic keep taking the minimum payment that we were never told about. You try to speak to ladco, they then claim to be elavon when you try to call or complain. Staff then tell you to speak withXLN, who blame Spire? Confused so are we! We have been misled and lied to. Do not trust or use any of these companies.

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                                                                  Etienne Dotreppe

                                                                  I have been using Elavon for more than 10 years. Everything was great when they had a local representative. He closed shop an moved to Florida. Elavon never notified me about it. My Equinox card processing machine had an error message making it unusable. I tried to get help from their support services. I had one voice mail and return the call. Nobody called me again even after several email and attempts to talk to somebody on the telephone. I waited sometimes for more than an hour. When I was finally able to talk to someone, they told me that they no longer had a local representation and referred me to their regional representative. I called that office several times and left messages but nobody returned my call. After 3 weeks of being unable to process any cc, I decided to call Flagship. I am delighted by their prompt response and good rates. Now I am facing with the problem of closing my account with Elavon! Stay away from this company.

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                                                                    Marie thomas

                                                                    I own a small bakery had a machine of these people it worked three times kept freezing. My staff spent hours trying to get help from them but none was given. In the end I wrote a letter of complaint and eventually got a phone call he agreed to send me a different type of machine This one didn’t work at all. Again numerous phone calls emails. Nothing no response at all apart from taking double the amount from my bank each month. I stopped payments after 6 months of paying for nothing at all and guess what. Two months later. Not a word from this lot. That tells me a lot about this company. They don’t even ask for their machines back but then they took enough money of me to pay for the duds

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                                                                      David Vosburgh

                                                                      I cannot get support from the company. My card machine is down and I have been on hold for 45 minutes waiting for support , this time. I am about to give up. I have tried at different times of the day and cannot get a live person each time. I have not been able to take a credit card payment for three days now.

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                                                                        Jim Clark

                                                                        Elavon was fairly OK until early this year (2015). I had some trouble with the credit card machine. I tried to contact Elavon customer service three times. Each time, I was placed on hold 45-40 minutes and still did not get to the customer agent. I gave up and started to look for another credit card service.

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                                                                          Virginia Harper

                                                                          Never had a problem with Elavon until this week. All hypercoms 4200 crashed…are you one of those? and why is this an industry hush hush? No matter what the instructions, can’t get the machine to take the reboot. Spend 45 minutes get all the way to end and refuses. Get server Training error. I’m pretty good with technology. Elavon’s customer service on this horrendous. I haven’t been able to process in a week. Phone tag with customer service or put on hold for 45 minutes.

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                                                                            Randy McKenzie

                                                                            I recently left Elavon at which they do not know this yet because you can’t get them on the phone. I’ve called and emailed a rep. and he won’t return my call or email. Both my wife and I have tried 4 times and waited on hold for nearly 30 minutes each time.Currently I’m investigating a debit from my bank account for $49.95 monthly that is from a company they gave my bank account number to back in 2011. Beware of UMG Merchant Technical Solutions! They are connected to Merchant Services (Elavon) and will claim you authorized their service for software support or something technical. Hundreds if not thousands have been scammed by them! I give them zero stars!

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                                                                              Lan Nguyen

                                                                              I have a small restaurant and i am Elavon’s customer over 10 years. Today, they cook me to dead by putting my machine out of date without notification. Before i had asked the sale rep Gary Bell if it is ok for me to keep the old machine; his answer is “Elavon is not guarantee for any tpye of fraud” but he did not mention about the new program to push my machine out of date. I am a little bit mad with Elavon right now, because i am losing a lot of business and getting frustrated, i decide to switch the account to other company today. If you guy are new customer, don’t sign up with Elavon because you will be cooked like me in one day and they try to get your money. Good luck.

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                                                                                doug

                                                                                I’ve been with this company for over 14 years and up until now have been satisfied with customer service. I’ve had several veri -phone terminals over the years and had only a few problems( cost me $600) but the new chip reader terminal(ingenico something or other) has been a nightmare and the customer service dept basically has said we can’t help you, we don’t know why all chip charges are declined , it has to be every bank in the worlds fault, not us or that new machine we just sold you. I am being forced to find a new provider ,they have been NO help and I have spent hours and hours on the phone and two machines and still can’t process chip charges and it’s the new law. Stay away from these guys, that guy Desimone must be getting his palms greased somehow.

                                                                                no

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                                                                                  Cathy

                                                                                  This is the worst credit card processing company ever. I was knocked off the sight and it told me to call a phone # which I did and was on hold 23 minutes. While waiting my customer left and came back 4 times and was very angry. I called another # and they switched me back to the the same place have been on hold again for 10 minutes and 38 seconds. How do you stay in business like this?

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                                                                                    C Davis

                                                                                    SCAM for sure!!! I, too, has falsely led into believing I would say money w Elavon. Not only did I not SAVE money, but I’m now paying TWICE as my old merchant services company (Heartland ~ to whom I wish I could return) BUT, I was told that I would have to pay a thousands of dollars to leave Elavon… making it impossible for me, a small business, to afford to leave. I was promised the moon by the sales rep who initially contacted me to with over to Elevon. I am now paying w Elavon:1) a swipe fee from Elavon, from the CC company, AND Elavon forwards all the fees the CC company assesses them, AND2) $.10 per swipe, AND3) .01% extra fee per swipe, AND4) $7 compliance fee, AND5) $35 minimum monthly fee, AND6) $thirty-something per year to have access to my statement onlineThe customer service has been terrible to horrible. LIES AND HORRIFIC SERVICE!!I would not recommend this company to ANYone. In fact, I take every opportunity I can to tell my clients just how much US Bank/Elavon is screwing me EVERYwhere!DO NOT USE THIS COMPANY AS A MERCHANT SERVICE PROVIDER! It is costing me twice what my previous merchant services provider was charging me….

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                                                                                      Scott

                                                                                      I’ve been with Costco/Elavon card processing since ’03. I purchased An Ingenico wireless terminal through them this spring (’15) for $600.00. This machine wouldn’t work in any of the rural areas I work. I sent the machine back for refund a couple months ago and still do not have my money back. Every rep I talk to (after being on hold forever) said 7 to 10 days for processing, heard that three times now. When I tried to have them hook my old machine back up they said the programming is no longer valid and I have to pitch it. So we updated to the i-pad version which actually works well at a much lower cost. But I still don’t have my money back. Apparently there is no one in their office who can help me and according to the “manager” I talked with there is no one above her that exists to help me. They get my money from me instantly when they need it, why can’t I get my money (that they have) in a timely fashion?

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                                                                                        Mark

                                                                                        They ding you hard for pci compliance and you almost have to be a computer guru to comply!! Pretty shady! Also their customer service SUCKS!! Their idea of fixing something is call in front of a customers house, wait on hold for a half hour during a supper rush, then be ignorant to you, make you do stupid things like pull the battery out for a half hour while sitting in front of the customers house. I will be done usi g them in a month and will never use them again!

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                                                                                          Lawrence

                                                                                          Elavon does not inform customers that when you update to accept chip cards, most debit cards are only ran as credit cards – debit is a service not allowed. They told me today they were not rolling that out until October (when they are required to have it rolled out).

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                                                                                            Rafael

                                                                                            Sorry. I didn’t realized the “Rating” is for the company “Elavon Merchant Services”. Of course, I give them the worst possible rating. I thought the rating was for the replied post.Many thanks, R.

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                                                                                              Michael

                                                                                              I work with a small non-profit organization that helps at risk kids. We are 100% volunteer organization. We went with elavon to process donations. After our first major funding drive in March 2015 all of our funds have been held in a “security reserve”. We are contacting them at least on a weekly basis and being asked to jump through 1,000 hoops. It is now late June and we are still waiting for the funds with just promises of we are reviewing etc. What kind of organization takes funds for children at risk???Definitely recommend never to use this service.

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                                                                                                Donika

                                                                                                They have worst customer service, they lie in order to get customers! Just the worst. do not join them as you will be very disappointed and you will pay a lot more than what they promise.

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                                                                                                  Arthur

                                                                                                  I got their service through Digitech. Basically I feel lied to by pushy salesman who promised me savings in the $100/year and after 2 month of use I was paying more than with the company I came from before. For all you folks who’s strong suit is not math, here is how you calculate what % you are paying…no ifs ands or buts!! Forget all the brain baffling nonsense they try and hook you in with over the phone. The % they charge you they say is not what you end up paying after all the extra fees they tack on! For example, if you run through $4500/mth of charges and their invoice takes $200 from you (basically the average my old company took) you are actually losing 200/4500 = 4.44% of your sales to merchant fees! My old company charged 1.75% on VISA and Master Card…but that is not what you end up paying!! Do this calculation on your merchant services invoices and get the real answer of how much you loose every time a customer pulls out their credit card!!!

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                                                                                                    Faye Spearing

                                                                                                    Beware of the false promises Elavon makes when you sign up. I was switching from First Data last October and doing some research trying to find a new payment processing company. Basically they all have you by the …..
                                                                                                    I was searching for a company that would take one payment and provide me with an effective rate which would incorporate all of their fees. This fee would also include the card association fees…which they told me was no problem because Elavon works directly with mastercard and Visa and they could control those rates. Monex Group told me that this was impossible that Elavon could absolutely not do this. Bringing this to the attention of my Elavon salesman [Name Removed] he again assured me that they could control these fees. I have a copy of the email. I also did some hypothetical examples of U.S. Cards being used and got him to verify that the fee I calculated. He assured me that this was correct.. When I got my very first statement..I was shocked when I was charged card processing fees which increased my fee by 16% Well now I have spent the time setting this up paid my set up fee and paid for a new machine ….[the sales rep] is telling me that he never told me that and that they cannot control these fees. So [the sales rep] is portraying me now to be a client that couldn’t possibly have understood the actual concept of all of these fees we discussed initially. Well guess what ..I did. And I have copies of the emails. These people know it is painful and an interruption of business for merchants to switch companies. Plus they know that most companies don’t have time to actually verify their statements and figure out their effective rates once they have them signed up. A note to business owners…look at your statements and do the math..your bookkeeper probably hasn’t or can’t figure out all of these charges. Plus their rates will keep going up. So…[the sales rep] took one day to process my application when I decided to go with Elavon but now since I have complained it is going to take two weeks to bring this to the attention of management. if I have to change companies it will cost me my set up fee and the cost of my machine which is not right! Do NOT believe these people. Once they get you in the door…you will find undisclosed minimum charges added to your bill. A business friend and aqua instance who also deals with Elavon…did a spreadsheet incorporating all of the fees Elavon charges…the result she paid $86.50 per month just to process if she had NO TRANSACTIONS BECAUSE OF ALL OF HER FEES. She pays a PCI compliance fee, a service contract fee, minimum monthly billing fee for debit transactions, terminal maintainance fee, card association fees , monthly statement fees.
                                                                                                    Can you believe this people? Well believe it …check your statements and do the math.

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                                                                                                      Phil Colby

                                                                                                      3/19/2015BEWARE. SCAM ALERT.1. This company (Elavon Merchant Services) will charge you 7.78% (unqualified rate as of March 2015) processing fees. Practically anything will bump you to unqualified. All in All, for the year 2014, our business paid to Elavon in processing fees, PCI compliance fees, transaction fees, non-use fees (when I finally got rid of them late last year I had a couple of months of low activity where they would charge me $35/month for under usage) and 4 other fees for over 10% in total processing fees to Elavon. Next year they’ll probably be at 11-12%! That’s Outrageous. A few years ago after many phone discussions; they lead me to believe I was just paying 2.75-3.75% and no more, they said never any more than that.2. I was told in 2011 on the phone by customer service that my rate was 3.75% (unqualified) when actually it was 6.75 (maybe they’re trained to lie!). Currently they are at 7.78% + per transaction fees. Most of my transactions for last year were unqualified for on reason and one reason only according to their supervisor; because of the type of credit card my customer was using! (i.e. Business to business, international, Corporate, World, Visa Signature Preferred etc. are all unqualified). And on top of that the Elavon supervisors blamed the high rates on VISA and MC when SQUARE INC can somehow do it for 3.5% (see below).3. Customer care supervisors seem shady and WILL NOT answer many questions.4. I cancelled Elavon (I’ve been duped long enough) and currently I am with SQUARE INC. and am paying no more than 3.5% unqualified for manually keyed (verified; 2.75% qualified w/card swiped) with no per transaction fees. No additional fees for i.e. Business to business cards, international, Corporate cards, World, Visa Signature Preferred cards etc. These rates were verified by an easy phone call to Square and easy to read daily statements in my email. This is thousands of $ per year in savings! GO FOR SQUARE!Additionally:1. Elavon requires you to request rate reviews to keep your rates down. And who wants to be constantly requesting rate reviews in order to not be ripped off! (In other words: Everyone has a different rate). They are not going to tell you that you should request a rate review, you will find out after you’ve been ripped off.2. The company is (probably purposely) confusing, and a total rip-off.3. Final complaint: All the different stories I got from each different supervisor just added to the confusion.I’m tired of getting ripped off and decided to start fighting back with on-line reviews. I was delaying a couple weeks in submitting this review because the Elavon Supervisor said that they would look into everything and get back to me. Of course they didn’t.Best regards,Philip C. (a Very Unhappy Customer)My Chauffeur Transportation Co.Portland Oregon

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                                                                                                        Joseph

                                                                                                        With a small, net-based business, I don’t use a terminal, but telephone the card info daily. Until a couple of months ago, I would have given Elavon 4 or 5 stars. However, they recently raised their monthly fee by $6 to provide “better service.” As of a few days ago, the “better service” consisted of outsourcing their customer service from Knoxville to South Asia (probably India), where poorly trained reps with phony American names have me jumping through hoops to complete the processing of overseas charges.It looks like arbitrarily raising fees and throwing Americans out of work is their idea of “better service.” I guess the executive bonuses weren’t high enough.I’m now actively looking for another processor.

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                                                                                                          Jayne

                                                                                                          I have to give them five stars. I have been with them since 1989 and haven’t had any of these problems mentioned in this discussion. Although I will say that I refused the offer or suggestion to upgrade my dinosaur of a terminal that only cost me 250.00 in 1989. I just switched to using their internet processing, there is a fee of 150.00 (one time). I Won’t know for sure until it posts in Feb.I did terminate with them in Sept to switch to TransFirst which turned into a nightmare very quickly, undisclosed tier pricing, triple the fees, undisclosed 500.00 termination fee, promises, promises, promises. Now a threat from their CService department of legal action if I don’t verbally agree to a reduced 200.00 cancellation fee. No accountability for the unfullfilled promise of low rates.

                                                                                                          5

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                                                                                                            Scott McQuade

                                                                                                            I terminated early and was hounded by a subsidiary of theirs claiming that I owed them thousands of dollars for the equipment that was leased, even though I returned it to Elavon. I must have been called at least 25 times by various collection agents making threats against my companies credit history etc, all of which of course never did happen.Now, two years later I am called every second day by cash advance companies that claim to have been given my info from Elavon. These telemarketers know my name, daily gross sales, position in the company and more. This all leads me to think Elavon is a disgusting company that will squeeze as much as they can out of you.

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                                                                                                              Michael Chadwick

                                                                                                              They DO charge an early termination fee. That is false. They suckered me in with a promise of lower fees, then proceeded NOT to save me any money. When I switched, they continued to debit my account and refused to stop doing so unless I paid a $195 early termination fee. Unscrupulous and corrupt. DO NOT use Elavaon.

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                                                                                                                garry

                                                                                                                worse merchant processor ever they owe me money and i am not going to get to collect.
                                                                                                                salesperson from us bank won’t return my phone calls, didn’t fully disclose or totally mislead all details regarding fees. don’t ever consider using. they don’t even rate a 1 star

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                                                                                                                  Malcom McManus

                                                                                                                  Elavon is a scam – they skim credit card transactions made abroad, by defaulting option to pay in “home” currency and charging 3.5% for that. Credit card company provides this service for free already, so this is just stealing money.

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                                                                                                                    Rafael

                                                                                                                    This is completely true. I have just been stolen the infamous 3.50% commission. I think it is ever higher: they have charged me 8.70 EUR for 5.89 GBP. According to VISA webpage ( http://www.visaeurope.com/making-payments/exchange-rates ), this is a 4.60% commission over VISA exchange rates (I should have been charged 8.32 EUR if the commission were 0%).

                                                                                                                    5

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                                                                                                                      Jacob Montgomery

                                                                                                                      so now there taking money right out of my account I don’t even have the terminal these scam artist are horrible do not use there services im having such a hard time dealing with these crooks

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                                                                                                                        Deegan Pope

                                                                                                                        Our experiencoe with Elavon has been horrible. They raised their fees which in Canada allows you to get out of your contract. However Elavon has a 2nd contract on your POS terminal that you can’t get out of. So you wind up paying $50/month for years for a terminal worth $200. Even better is that you have to send them written notice to cancel this contract or it auto renews and they won’t accept the written notice too early. This way you have a very small window and they can keep dinging you. Terrible business practices.

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                                                                                                                          Jacob Montgomery

                                                                                                                          they signed me up took over 2 months to get me my machine. so I told them I no longer need the service and there trying to tell me I owe them 1400 no matter what and its my fault. complete scam.

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                                                                                                                            David Frieder

                                                                                                                            After inquiring with my Elavon rep today about upgrading my terminal, she responded with a $650 price for a verifone VX520. They are on sale online for $159-$250. Can you buy one of these and have Elavon program it? $650 seems ridiculous.

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                                                                                                                              Tom DeSimone

                                                                                                                              Hi David,

                                                                                                                              Elavon is capable of reprograming and absolutely should do this for you free of charge. Terminal reprograming is common. That said, I would confirm with your rep that they agree to this before you purchase. I have heard reports of processors refusing to reprogram in the past, and while I believe that the protocol at Elavon is currently to do free reprograming – it’s definitely worth confirming with your rep for the most up to date info.

                                                                                                                              Good luck, and let us know how it goes. It’s insane how much of a markup processors put on hardware…
                                                                                                                              -Tom

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                                                                                                                                Larry D. Baker

                                                                                                                                We have been using Elavon for 15 years. Great service. Discount and transaction fees have continued to decline for the last several years. About two years ago they instituted a special program for small merchants that have an average ticket size under $15.00. We qualify and our total cost including discount and transaction fees is now running just over 3.0%. We are quite pleased.

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                                                                                                                                  tom

                                                                                                                                  I run a consulting company and sell subscriptions to a newsletter and do an annual conference: everything processed on our web site. I have a quote from Elavon that includes a “$499 One Time fee to rights for Gateway”. Do they think I just fell off the pumpkin truck or is this a legit fee?

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                                                                                                                                    Tom DeSimone

                                                                                                                                    Hi Tom,

                                                                                                                                    Gateway setup fees are common, but $500 is awfully steep in my experience. Usually gateway setup fees range from $99-150 for an Authorize.Net gateway. In many cases, payments providers will be able to waive this fee if you negotiate. In fact a lot of providers will automatically waive this fee. I’m having a hard time imagining why Elavon would be charging you $500 for gateway setup. If you want to use Elavon, I’d suggest that you tell them you’ve talked to other companies who are willing to waive your gateway setup fee. Or – better yet – I’d suggest you get quotes from other companies so you can bring these official quotes to the bargaining table. Any of our higher rated providers would make good starting points.

                                                                                                                                    Let me know how this turns out!

                                                                                                                                    Good luck,
                                                                                                                                    Tom DeSimone

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                                                                                                                                      Kent Yoder

                                                                                                                                      This company Screwed me out of nearly $12000.00. Put my money in a unclaimed funds Account. Then told me it was My bank. My bank went to bat for me, and found that elavon was the screw up. I have nsf checks all over and elavon said they aint paying the fees. They said my funds should be released but would take 7-10 days to get them. What B.S. This is there screw up and I should have my money Now.

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                                                                                                                                        Clay

                                                                                                                                        You may want to read up on how much more expensive “flat rate pricing” is before you support it. You do want to remain reputable, correct? Do a little reading and you’ll see where flat rate is terrible unless you process roughly $25,000 or less, annually. Just like in banking where a business owner should bank with a banker, not a bank, merchants need to find a merchant rep they can trust and do business with him or her, not the processor. Otherwise, they will see rate hikes over the years with Visa/MC Spring and Fall releases and additional ancillary fees.

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                                                                                                                                          Tom DeSimone

                                                                                                                                          Hi Clay,

                                                                                                                                          We encourage most of our readers to seek out interchange-plus pricing instead of flat rate or tiered pricing. This review should not be taken as an all-encompassing endorsement for this pricing model.

                                                                                                                                          As the card networks increase interchange rates and network fees, merchants will see increases in their rates regardless of the pricing model used. If they do not see an increase in what they pay as cost of service increases, this means that they were paying too much to begin with.

                                                                                                                                          If you read the review, you’d have seen this line in the introduction:

                                                                                                                                          Your experience with Elavon, or any big acquirer for that matter, will rely mostly on the sales rep/reseller that sets you up with that account. Even if you go direct, there are still some reps that are more educated and/or ethical than others. The goal is to find a rep within Elavon that you feel comfortable with.

                                                                                                                                          So I absolutely agree with you that the importance of working with a great account rep cannot be overstated.

                                                                                                                                          Best,
                                                                                                                                          Tom

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                                                                                                                                            Yann Mergui

                                                                                                                                            I can only say that Elavon is the worst company to process credit/debit cards transactions. They never paid the money they took from my customers on their credit/debit cards and they “lost” 1 transaction. So just in 1 hour i lost 212$.Trying to solve the problems it s impossible people are so rude there. If you want to be ripped off/scammed just sign with them. I think only people having no problems until now are happy but if things goes bad…..good luck!

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                                                                                                                                              Leslie Bester

                                                                                                                                              Elavon’s contract indicates that the contract auto-terminates after 90-180 days of no transactions.
                                                                                                                                              LES.NET signed up to use Elavon years ago, but never implemented their services because we have an alternate provider.
                                                                                                                                              The contract did not auto-cancel itself.
                                                                                                                                              Elavon has charged us nearly $1000/year for a service we don’t use.
                                                                                                                                              We have been trying for 3 months to cancel the account, have numerous tracking and confirmation numbers that the account is cancelled, but we are still being charged for the account.

                                                                                                                                              https://knoxville.app.bbb.org/complaint/new/4468

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                                                                                                                                                James

                                                                                                                                                Hi Leslie, I am having the same problem have you had any resolve?? I would love to chat with you.

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                                                                                                                                                  Christopher

                                                                                                                                                  And despite what may have been posted in the review above dated 17 August, there are early termination fees. I have been charged 195.00 for early termination. Just one more reason to AVOID Elavon and go with a better provider.

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                                                                                                                                                    Kate

                                                                                                                                                    Credit card payments not processed or deposited to operating account. Elevon arbitrarily withheld payment transactions (thousands $) without notification or disclosure to Merchant. Merchant notified when Bank called re overdraft (one week after transaction settlement dates). Bank contacted Elevon who stated a six-month hold would be placed on Merchant’s future credit card transactions. Merchant contacted Elevon who stated a 10-day hold would be placed on future credit card transactions.No reply when Elevon contacted and asked when funds would be released and deposited into Merchant account. Isn’t there a law/regulation about notification or disclosure on this? Can Elevon arbitrarily withhold Merchant payment transactions without notifying Merchant? If there is no law or regulation, there should be. This plus other complaints posted are ripe for class action lawsuit.

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                                                                                                                                                      Andrew vawser

                                                                                                                                                      Wish i had never signed up to Elavon lost count of the number of times we have phoned terminal helpdesk only been using the mobile device since august feel they should pay me for the wasted time,nearly every time i drive to another location i have to restart the device i feel like a second rate seller and apologise before i try and take payment in case it doesnt work first time will cancel contract when it expires got any idea as to a more reliable merchant service for august this year?

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                                                                                                                                                        Tom DeSimone

                                                                                                                                                        Hi Andrew,

                                                                                                                                                        That sounds really frustrating. It’s disappointing that Elavon wouldn’t just set you up with a different wireless terminal, since the problem you describe seems to stem from the device more so than the actual payment processor. You can avoid wireless fees by using a smartphone card reader. Both CDGcommerce and Dharma Merchant Services would gladly set you up with a very reliable merchant account and a low-cost or free reader for your phone. If you’d prefer to use a wireless terminal, both of these providers can also set you up with that service, although it will cost more.

                                                                                                                                                        Make sure to cancel your contract in writing with enough advanced notice (60+ days), in accordance with your contract terms. Otherwise, it will auto-renew and you’ll be stuck paying the early termination fee. Check your merchant agreement for your unique terms.

                                                                                                                                                        Good luck!

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                                                                                                                                                          Jeff

                                                                                                                                                          Elavon is a horrible company. I have been with them for about three years now and have continually seen rate increases and misc charges for crap I don’t want or even care about. They add charges to your bill and do not tell you what they are for. I just received a bill that contained a $12.99 charge under the heading of RSPACKAGE. When I called to find out what that was, the rep said it was a NEW monthly charge to help pay for customer service costs. I don’t need their customer service unless THEY screw something up. Time to find a new provider.

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                                                                                                                                                            Pavel

                                                                                                                                                            One of the least trustworthy companies I ever had privilege of working with. I’m not sure where the term “transparency” comes from, but this business does not know the definition of it. Nickel and dime fees left and right, along with variable rates based on cards accepted. This is not what I signed up for when I went into my bank and requested credit card processing service for my business. The $195 service cancellation fee was a nice gesture on their part as well. I have not been this upset with a company’s business ethics. I

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                                                                                                                                                              chris english

                                                                                                                                                              Hello, stay away from Elavon, they wont release me from a expired cosigned contrant and I havent worked fo UberRoofing in 6 months and they are blaming me for [edited: name removed] debt of 8000$. I have done everything to say cancel and repeated harrassment. I just dont know what to do! no one wants to help. stay away.

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                                                                                                                                                                tetchy spandrel

                                                                                                                                                                Elavon, in collusion with McDevitt Car Sales of Mill Road in Dungaloe, Co. Donegal, Ireland, attempted to extort a 3.5% commission from me on a tank of petrol. The service station converted my purchase into US Dollars without my consent, charging the fee on top of the purchase. When I complained, saying I was paying in Euros and did not need their high-priced currency exchange (thank you very much), they refused to refund my money. Fortunately, I had not yet endorsed the “consent by signing” sales receipt. My complaint to my U.S. card issuer triggered an immediate refund. I feel it was dishonest not to offer me a choice of paying in Euros, and reprehensible to refuse to _voluntarily_ refund my money. I expect they earn a fortune scamming inattentive, gullible tourists.

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                                                                                                                                                                  Alex

                                                                                                                                                                  This company just steals for small businesses just charge me %5.95 of large transaction, $5000.00 charges, when I called them and told them my rate is %1.67 and why do you charge me %5.95.They never told me they can charge this much, this is Highway robbery. I am going to take them to small claim court.

                                                                                                                                                                  The rating for this company should be F–

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                                                                                                                                                                    june Robinson

                                                                                                                                                                    We switched to Elavon because of the low rates and we were getting raped by our chartered bank merchant services. We had no idea what was coming our way. At least the bank just charged really high fees. They took their fees and went on their way and built skyscrapers in Toronto.

                                                                                                                                                                    Elavon is a whole different animal. I returned a damage deposit through the phone system for $600. Elavon took $1200 out of our account. I was sick and called them to fix the problem. They said I ran it through twice. Um – no I didn’t. The first time it was declined. The second time it went through. They do not provide confirmation numbers so you have no reference number. I was told I could call the bank in China if I wanted to. So I stopped accepting credit cards in my business and Elavon charged me for the change in volume – back dipping into my account for providing no service. I put a stop payment on them but they are forever scanning my account.

                                                                                                                                                                    Last week I received a notice from them saying I was seriously delinquent in my account for $23. How could this be? I had never received a bill from them? You can’t pay a bill you don’t know you have. They continue to scan my acoount and the bank debits my account a $10 stop payment fee every time. So I went to the bank and said STOP! This week I received another letter from Elavon saying they would ruin by ability to ever accept credit cards again if I didn’t pay $23. Is that not extortion? I have sent them a letter advising them I will happily pay my account with an invoice for a legitimate service. I offered that they can email it for faster turnaround. It will be interesting to see if there is a legitimate reason for the amount. DO NOT get involved with this company! The dipping into your bank account for unexplained reasons will never stop. They work by theft and extortion. It is worse than having a loan shark.

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                                                                                                                                                                      Christina

                                                                                                                                                                      I have worked with various credit card companies. An elevon representative made all sorts of promises and offered all of these great rates if I signed a 3 year contract. After 2 months or so, the changed the rates. They then added about 300$ in extra fees throughout the year. When I complained, they told me that It was in the fine print that I would have to pay any extra fees. Yet they couldn’t explain what exactly the fees were for. After 2 years, I decided to cancel early. It is a 14$ a month charge not counting any fees, and I could use intuit or square for free. I called the company and asked to be removed. They agreed. Then 3 months later I noticed they were still taking out fees. I called again but they couldnt find my account and suggested I call the bank because they werent the ones taking out the fees. I call my bank, it’s elevon. It takes me a couple months to find the time to call them and sit on the phone and hold for over an hour. I try and cancel again. This time, they finally find my account, then tell me I had to fill out paperwork and fax it to them. I ask why I wasnt told this before? They treat me like I’m lying. I ask if I can have the fees removed, they say no. I fill out the paperwork and fax it. They receive it, send me an accepted fax…. YET! I am STILL having money taken out of my account. Worst company ever. Thieves and liars.

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                                                                                                                                                                        Chris

                                                                                                                                                                        We had to go to the bank and stop payment to get them to stop sucking over-charges from our account every 5-10 days. For 3 years I called, asking for details of the charges. I was constantly told someone would call me back. Nobody ever did. And they haven’t given us a statement in 3 years either..When they updated our machine, they cut our old one off first without telling us, causing us a very stressful week of waiting for a new one. The new one didn’t work and it took a few more days to “configure” We had purchased ours so I asked if there was a charge to upgrade. They said of course not.Then as soon as the new machine was installed, $200 sucked from our account again. When I called, I was told it was for the upgrade.I had enough, put a stop payment on my account and then quess what. Those people who wouldn’t call for 3 years, started calling EVERY DAY.One sided-classless, horrible, stressful, unfair, illegal operation this is. You will regret it for all time.

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                                                                                                                                                                          Rik Rafuse

                                                                                                                                                                          Elavon continued to bill me for 4 months after I called in and closed the account & sent in the POS machines. It was only after repeated calls & sending in an “account closure form” that they stopped monthly billing of my credit card. Poor service!!

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                                                                                                                                                                            Christina

                                                                                                                                                                            SAME problem with me. Only Ive sent in the forms and they are STILL billing me. I have fought with them on the phone various times and theyre rude. ITs been 6 months of billing me!!

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                                                                                                                                                                              Marilyn Germann

                                                                                                                                                                              My experience with Elavon is a nightmare. They sent me a terminal that did not work. After several hours on the phone, trying to get it fixed, the representative declared that the equipment must be broken. He offered to send another. However, I told him not to, because I needed it for that three day weekend. I lost sales because I did not have a credit card reader. The following week, Ireceived a second machine (even though I said not to send one because it would not arrive on time). I called and spoke with [edited: name removed].. She said to return both machines. Later, I saw that Elavon took money out of my account for these two machines. I asked the bank to fix that problem. The bank is still trying to resolve that. The next month, they took another withdrawal from my account. DO NOT DO BUSINESS WITH THIS COMPANY. The issue still has not been resolved. The bank said I will have to close my account to stop the company from taking more money out of my account. This is fraud. They did not have my permission to take money out of my account for nothing. They did have my permission to take money out for the service and equipment — the they never provided the service and equipment. This is blatant Fraud. Three people in the company knew that the equipment did not work. I am rating them a one star only because they don’t have the option for no star (without being assumed that no star means no rating. This is a nighmare! And it still is not resolved.

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                                                                                                                                                                                Stephen McCrea

                                                                                                                                                                                My experience with Elavon (via Costco) is turning into a nightmare. They sent me a terminal that did not have an ethernet connector like it was supposed to have. We were able to hook it up to the only phone jack after unplugging our wireless phone base at the back of the store then we discovered that debit was not configured. Two service calls later after about 30 to 60 minutes wait each we had a new terminal on order and the debit issue resolved but we still had to swap phone/terminal at each transaction and walk to the back of the store. Four days later the new terminal arrives (after the weekend) and it works fine except for debit. After a couple of hours on the phone it was not resolved and we were informed that only the day shift had the resources to fix the problem. A total cluster fail. If it weren’t for the low rates I would dump them in a heartbeat.

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                                                                                                                                                                                  gwen stover

                                                                                                                                                                                  I too have become a victim of this companies unsportsmanlike tactics.
                                                                                                                                                                                  We tried to leave our present credit card processor but would not let us out of the contract so we tried to contact Elavon to cancel, not happening. The first month they took out 147.00 from my account and did not do one thing give me any equipment or provide any service except for releaving me of my money, but that does cost.
                                                                                                                                                                                  Right now [edited: name removed] is working on the problem and may get some resolution. They will cancel me for 200.00, lets figure this out they have taken the first 147 and now want 200.
                                                                                                                                                                                  However it may be a deal since I do not want to ever see this name again.

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                                                                                                                                                                                    Nancy

                                                                                                                                                                                    As of September 2012, Elavon no longer has an Early Termination Fee. The philosophy is to maintain clients with outstanding service and competitive pricing and not a prisoner due to penalty for early termination. As an Elavon Account Executive, this speaks volumes to Elavons’ reputation.

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                                                                                                                                                                                      Christina

                                                                                                                                                                                      That’s not true. I just spoke to them on the phone and they said that my termination fee is $250. then they didnt cancel it and kept charging me a monthly fee. That speaks volumes about this company.

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                                                                                                                                                                                        Paul Thomas

                                                                                                                                                                                        It’s true for new customers as of that point. It’s based on the contract that you signed. If the application you signed had a contract with a cancellation penalty for a certain duration then it remains in effect. If you sign a contract after the date when they quit doing such penalties then you don’t have penalties. I would think that would make sense. Some people have other expectations I guess.

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                                                                                                                                                                                          C Davis

                                                                                                                                                                                          As of September 2015, I was quoted THOUSANDS of dollars in order to get out this HORRIBLE four year contract….. Someone earlier claimed Elavon to be LIARS & THIEVES. I completely agree!

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                                                                                                                                                                                            Daniel Peterson

                                                                                                                                                                                            Don’t use Elavon I had them for many years when then they started to raise my rate. When I called about it they told me I was considered high risk and they couldn’t lower my rates. I have NEVER had a charge back. I am a small company and when they first raised my rates I started to encourage my clients to pay with check or cash. When my volume dropped off they raised it again. I called again and was told they couldn’t lower my rate.Then I found a new Merchant account with a much lower rate, and a much lower monthly fee. After trying the new company out for a while and being satisfied I called to cancel my account. I was told they would send me the cancellation form to fill out and send back. It never arrived. I looked on their website and couldn’t see it. I called back and they said they would send it again. IT NEVER ARRIVED. I received another statement though. Finally I found the form another customer had posted online. I filled it out and sent it back. The account is still open and they say they haven’t recieved the form to close the account.This time it is going out certified mail.AGAIN DO NOT USE ELAVON

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                                                                                                                                                                                              Christina

                                                                                                                                                                                              I have tried to send mine in twice so far and have spoken on the phone with them various times. I guess the deal with them is that they refuse to cancel accounts and just keep stealing from us forever. WORST COMPANY!

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                                                                                                                                                                                                Tiff

                                                                                                                                                                                                NEVER lease a terminal from LADCO!!! 4 year auto-renewing lease, during the first term of which you will pay easily 10 times the cost of purchasing your own equipment! Just buy a new, up-to-date POS outright (Make certain that it is a model of equipment supported by them or whatever processor you choose before you buy). Elavon is as good as any large processor I know, but the sales channel/rep you choose or happen to get can make or break the whole deal. COSTCO offers a lot of value for a low price. Most bank reps gouge their merchants on pricing and offer little to no added value or support for the extra $. If the Elavon customer service rep you get is not knowledgeable or helpful, you can ask for their supervisor to get more qualified assistance with more authority to make things happen … Last reported Elavon direct PCI fees were annual $55 for dial-up POS & $175 for anything processing via internet or IP phone lines; noncompliance will run you $25-$30/month, so make sure to stay compliant! That’s my input from several yrs in the processing biz with some internal & external exposure to Elavon …

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                                                                                                                                                                                                  Lori Berra

                                                                                                                                                                                                  I’ve had nothing but a nightmare experience with Elevon & Ladco! Still living on a hope and a prayer that they don’t destroy my small business.

                                                                                                                                                                                                  To start with, Elevon couldn’t get my account number right in their system and had my company name wrong in their database. They had two weeks to get this straightened out – not enough time? This is my wallet we’re talking about.

                                                                                                                                                                                                  This was enough to creep my out and search for another merchant service provider.

                                                                                                                                                                                                  That’s when Ladco proudly stepped in with their unethical practices and thievery. They’ve obviously got my account number right as they greedily helped themselves to charges and ficticious fees from my account. (Keep in mind that their equipment has been sitting in its original packaging next to my desk waiting to be picked up for over a month. Never, not once, plugged in.)

                                                                                                                                                                                                  I’ve never signed a contract with either company (although I’ve endured Ladco’s unique customer service tactics of screaming that I did when I called).

                                                                                                                                                                                                  I was hooked up with these two companies by USBancorp’s Private Client Group Division. Nothing has been achieved as yet but a lot of a lot of shoulder shrugging and passing the buck at my begging and pleading to please make these parasites go away.

                                                                                                                                                                                                  I can’t stop them. I can’t get out from under them. I can’t make them go away. I owe them nothing. They’re like a nasty rash that no medicine will cure.

                                                                                                                                                                                                  If you’re in dealings with them, best of luck to you and please pray for me as well.

                                                                                                                                                                                                  The worse part is what they do is “Legal”!

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                                                                                                                                                                                                    Jason Sparks

                                                                                                                                                                                                    Costco Elavon is the best!! I’ve had great experiences. Honest, in my opinion!! Don’t understand why your having this problem, but I love my rep. They don’t bill you an arm and leg for early termination anyways. And if your saving money who cares about the 2 year agreement anyways. $95 is ninety-five!! Bottom line its a savings!!

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                                                                                                                                                                                                      Howard Antes - Product Manager, Xtreme Hobbies

                                                                                                                                                                                                      we were running new wires under our desk when we unplugged the terminal we did our thing and we plugged the terminel back in and a tampering screen came on now we had black out s and we had to reset no problems thier but why did the system read tampering for down time was 1/2 hr tops of corce it was on a weekend the guy after asking 4 times ,told us we need a new terminal i say , no no no just from unplugging it ,159.00 for unplugging an plugging it back in excuse was it happens sometimes 300.00 new unit 159.00 refurbished for unplugging only in america i tell ya we now do cash only if thats how they want it its there product that failed an we own it , not to happy here in florida

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                                                                                                                                                                                                        Ray

                                                                                                                                                                                                        Rate reviews are easy to get. Just call your customer service number and ask for one. You can probably get your rates lowered just by asking.

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                                                                                                                                                                                                          Anthony Quatroni

                                                                                                                                                                                                          You’re kidding me, right? Eleavon has an A+ business rating but they are the owners of Ladco Leasin, which is a predatory, villainous “company” that preys on the trust rlationship between merchants and their own banks. I personally wanted to take credit cards in my business and Key Bank here in Pawling, NY sent me a merchant services rep who slick-talked me into signing a contract that I thought was legit. A week later I get the terminal and a letter from Ladco Leasing that I am in a 4-year lease for a credit-card terminal that’s worth 1/10th the cost of the lease. There’s no breakdown of the lease at all, no interest rate or anything that shows me the details of this so-called lease. Doing a search for “Ladco Leasing” brought up hundreds of complaints against this ratbag company for exactly the same thing: Merchants trust their bank, so they sign the contract usually without question. Ladco needs for this exact scenario to happen so they can then attack the merchant’s bank account with ACH withdrawals. Trying to cancel the “lease”, even within the first 30 days, is fruitless, as they now have your routing and account numbers and can withdraw at will. I am still in the process of trying to get away from these clowns, and simply because I signed a piece of papaer that my bank rep told me was ok, I am going crazy trying to get away from these predators. The only reason the BBB hasn’t done anything to them is because they fly under the wing of Elavon which has a good rating and somehow it extends to them. There are literally thousands of complaints against Ladco but no one seems to want to do anything to them for this travesty. However, I have heard that there is a large class-action lawsuit being drawn up for fraudulent business practices and misleading conduct on the part of the bank reps. I have the feeling their ship is about to take a cannonball to the stern very soon and I certainly hope so.

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                                                                                                                                                                                                            Les Derstein / Wind Heaven Inc.

                                                                                                                                                                                                            A local Bank of the West employee here in Wichita Kansas approached me with a sales pitch that would save me money when compared to my current cc processing company. The person came across as their merchant services and further led me to believe that the services would be through the Bank of the West. After talking more about the services with a Bank of the West employee in Nebraska via phone , I signed a contract. Someone later was supposed to call me and give me an orientation and get me set up. This never happened. I continued on with the company I was doing business with at the time. As time went on, I called the individual a number of times in Nebraska, who never returned my calls. I later noticed several times money being withdrawn under the name of Merchant Services, I associated that name with the company I had been doing business with and never thought twice about it. I became suspicious of the debits in late 2012 and learned that it was coming from Elavon, after having my bank and First Data (our current processing company) do an inquiry of the numbers attached to my bank statement debits. When I called Elavon they gave me a run around answer and said that I had signed a contract. They skirted the issue that they had never processed one credit card since my signing of the contract. During this period of 1 1/2 years, my current cc processing company that I have had for at least 3 years had processed every cc sale the company had while Elavon was debiting the company’s bank account. Bank of the West is blaming Elavon and saying they cannot do anything because the Bank does not process cc’s . The Regional Manager of the Bank stated to me on March 20th 2012 that the Bank of the West has a partnership with Elavon. Hmmmmm, can the Bank have it both ways when they acknowledge a partnership and use deceptive practices to sell a merchant account to businesses? I have retained an attorney and will go after the Bank of the West and Elavon as much as legally possible. I would like to know more about the pending class action suit and be able to contribute what I can. This company along with the local Bank branch should be held accountable for misleading information and stealing from local small business’. Only in numbers can we stop this. Please contact me at les@windheaven.com and let me know your situation with a local seller of Elavon and your

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                                                                                                                                                                                                              Paul Thomas

                                                                                                                                                                                                              Here’s the cold hard truth. I’m one of those guys who actually sets these accounts up, so I know exactly what the paperwork looks like. HOWEVER, I was also a branch manager for a bank that referred customers to reps that set my customers up with accounts and I had customers feel the same way you do – that they weren’t aware of what they had gotten stuck with. Now, as I sign customers up, I make sure they are aware of exactly what they’re signing. BUT, here are the facts. Elavon gives the option for people to have their existing terminal reprogrammed, a new one purchased, a lease done for a new one, or a bundle set up which includes other products and/or services packaged together and considered a lease in that package. Ultimately the best deal for many businesses would be to reprogram their machine or buy a new one but there are times that it’s not the best option. The question is what makes the most sense for the customer. There are cases for each option being the best for different customers. The sad thing is that all too often the wrong option is sold to the wrong business for the wrong reason. This IS NOT just an Elavon thing. As a sales rep I see this a lot more often with customers whose business I am trying to get away from competitors than when I am reviewing the accounts of actual Elavon customers. Elavon does strongly push for ethical sales tactics. Elavon’s applications at least today include a place where customers have to initial acknowledging that they are aware that they are accepting a NON-CANCELABLE lease for “X” months at “X” price per month. If that same clause is on an application that anyone is disputing or complaining about then I’d be a bit concerned about what other things they may have signed throughout their lives. I’m sorry you had this horrible experience, I really am. Keep in mind that in an industry that seems like it’s full of used car salesmen types, Elavon does try to stay above that level but I’m not naive enough to think that there are not those among us that do indeed do things they should not. We try to get rid of those as soon as we find the issues. I’d say your experience is more of a bad salesperson experience and now being held accountable for what you signed than it is a bad experience with the company. That’s my cold hard fact opinion that’s hard to accept probably but it’s probably true.

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                                                                                                                                                                                                                Tracie Hannick

                                                                                                                                                                                                                I will never do business with them again as soon as I can get switched! They have pulled unauthorized charges out of my account for 3 months in a row. All related to the PCI fee. They are “having system problems” that are to blame and yet no one can seem to fix it. If I can ever get the account straight I am going to switch. Terrible accounting on their part and terrible customer service in keeping it straight.

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                                                                                                                                                                                                                  Gunther Keil

                                                                                                                                                                                                                  Elavon charges me 5.32 % for processing the unqualified credit card charges. I think that is very high and I am looking for a different company to process my charges.

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                                                                                                                                                                                                                    Helpful Tip

                                                                                                                                                                                                                    Request a rate review. You can have one every six months but you have to ask for it. If you have an offer from a competitor you can submit this with your request to see if it can be met or beat.

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                                                                                                                                                                                                                      Jason Grunstra

                                                                                                                                                                                                                      It seems like it’s just part of their “co-branded merchant program” as outlined here:

                                                                                                                                                                                                                      http://www.elavon.com/acquiring/channels/financial-merchant.aspx

                                                                                                                                                                                                                      As opposed to their “white label merchant program” which many other ISO’s use. One easy way to find the while label ISO’s is to just do a Google search for “Accepted by Elavon, Inc” (include the quotes) to find any website that has a link to a merchant application with Elavon as the acquirer. Since Google even searches within PDF’s and Word Doc’s, you’ll actually get decent number of results.

                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                        Mike

                                                                                                                                                                                                                        Nice review.

                                                                                                                                                                                                                        As an FYI, Elavon’s Costco program doesn’t currently have a fee for PCI compliance.

                                                                                                                                                                                                                        Not sure how long that will last, but it looks like Costco is helping out their members on that for a while.

                                                                                                                                                                                                                        http://www.elavon.com/acquiring/costco/

                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                          Mike

                                                                                                                                                                                                                          I’m not really sure why the link to Elavon was deleted since this review is ABOUT Elavon.

                                                                                                                                                                                                                          But if you are a Costco Member, they have a great program for us. Just Google Costco and Elavon and the site will come up.

                                                                                                                                                                                                                          I wasn’t spamming with a competitive site. I was actually saying, I agree that Elavon is a very good company and has an additional program that could be of benefit.

                                                                                                                                                                                                                          This may be edited too, but whatever, it’s your site.

                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                            Merchant Maverick Admin

                                                                                                                                                                                                                            Mike,

                                                                                                                                                                                                                            I re-added your link for now, but keep an eye out for an explanation of why I removed it in the first place.

                                                                                                                                                                                                                            I appreciate your understanding.

                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                              Merchant Maverick Admin

                                                                                                                                                                                                                              Mike,

                                                                                                                                                                                                                              Generally reseller’s of merchant services would be considered separate entities especially if they have their own sales/customer service departments. It seems that Costco’s relationship with Elavon isn’t setup that way. So long as Costco doesn’t handle any of the sales and customer service aspects of the business, then yes, Costco’s merchants services can be considered synonymous with Elavon’s. I’m going to look into this a bit more, and see it that’s the case.

                                                                                                                                                                                                                              I’ll be in touch.

                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

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