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Electronic Merchant Systems

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Electronic Merchant Systems (EMS) Review

    Frank Kehl
  • UPDATED

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Electronic Merchant Systems

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Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing 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.
Frank Kehl
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We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

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71 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.

    Christopher Piessens

    Organization Name: Palm Credit Experts

    I wish I could give 0 stars. This was the worst experience I have ever had with a payment processor. Unprofessional, hard to reach, dishonest, the list goes on. They charge 12.95% processing fees for credit repair company’s. They take 10% of that and hold in a “reserve account”. However if you have a chargeback they don’t utilize the reserve, they still ach your account. So what’s the use of the reserve balance. Also, the first 4 months or so, almost every charge was flagged for review and took 1-2 weeks to hit my account. Something is very fishy there. In addition, 99% of the customer service staff is totally u knowledgeable. Outside of the scripted responses they have. If any business owner wants to keep their sanity, don’t use this pathetic excuse for a payment processor. They’re the worst! BUYER BEWARE…..

    1
    • Organization Name: Palm Credit Experts
    Pearl

    Organization Name: Sand Pebbles

    Actually, I would like to give them zero stars.Poor system ever. This company is very unprofessional in all aspect, so beware!!

    1
    • Organization Name: Sand Pebbles
    Jeff

    Organization Name: Just Press Play Productions

    Actually, I would like to give them zero stars. I have been with this company for 7 plus years. Their next-day funding and QuickBooks plug-in were the selling points. It was great to be able to just run the credit cards through my QuickBooks Plug-in. And I used the plug-in primarily. Meanwhile, they were charging me a monthly lease for the ChargeAnywhere virtual terminal. Which I used maybe 5 times in all the years I have been a customer. I called and was finally able to get out paying that monthly lease, but I was still stuck paying a $25 a month fee. Then I was notified that my QuickBooks Plug-in will no longer be supported and I will have to upgrade to a new plug-in that is going to cost me almost $50 a month. No, I don’t want to pay double what I am paying now, just because you need to upgrade. Then I found several options with other processors with no monthly fees. One of them is Intuit who I can charge directly through QuickBooks too. So, I am moving on. Now they tell me I have to pay a $595 contract cancellation fee. I am cancelling my contract because I can’t use their services anymore unless I pay double my monthly cost! They said they would review and get back to me. I can’t wait.

    1
    • Organization Name: Just Press Play Productions
    Nicole Miller

    Organization Name: cloudnineboxes

    I have been with them for 3 weeks now and have not received not 1 payment from them. They state they can not release my funds until they verify one of my sales, 3 weeks later and they have yet to reach any of my customers therefore they say I cant be paid. Now here I am with no money, and cant purchase the supplies and products I need because they are holding my funds and wont give me a direct answer of when I can receive them, instead they just keep saying we need to verify a sale first because we can release your payouts. This is unacceptable!! Nowhere in my contact do I see where it says I cant be paid until a sale is verified. Don’t ever do business with them!

    1
    • Organization Name: cloudnineboxes
    George Yup

    Organization Name: Wave

    Absolute worst company I have ever worked with. Absolute money grab. Coming from a new small business please DONT EVER WORK WITH THESE SCAMMERS.

    1
    • Organization Name: Wave
    Moshe turjeman

    Organization Name: Newway transport services

    Very BAD!!They are holding my reserve for over 8 month now after they had terminate my account.Bylaw they can hold NO more then 120 days after the last transaction which was on 8/2020.Even in this situation now with the COVID no one there really care.DO NOT GIVE THEM YOUR BUSINESS

    1
    • Organization Name: Newway transport services

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

    Bele de

    Organization Name: ele de

    Please write me

    • Organization Name: ele de
    Marksman Inc.

    Organization Name: Marksman Inc.

    I was watching a ballgame at minutemaid park and I saw the. advertisement. Always looking to see what
    the company can save in cost. I am so glad to find these reviews. I will pass on these guys.

    • Organization Name: Marksman Inc.
    Branden Cooper

    Organization Name: Infiniti clear LLC

    This company needs to be taken off the map. I processed with these guys for 8 months and out of nowhere they terminated my account and put me on the dreaded match/tmf list so now I cannot process with anyone. They are still holding over $30,000 dollars of mine. When I called to ask why I was terminated they told me it was for breach of contract. After applying through a few other merchants in hopes of saving my business, I am now labeled as stolen identity, and fraud on the match list. These people have made well over 20k of MY MONEY with 1-2 chargebacks per month after processing over 4500 clients. DO NOT USE THIS COMPANY TO PROCESS YOUR CREDIT CARDS! Now instead of having a successful company im losing clients left and right and my bank account is nothing short of a joke. LOOK ELSEWHERE! If I do not get my rolling reserve that they have basically stolen I will be filing a class action lawsuit against this company as well

    • Organization Name: Infiniti clear LLC

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

    Rita

    Organization Name: The Neighborhood Mailbox

    Extremely poor customer service and high bogus fees.

    1
    • Organization Name: The Neighborhood Mailbox

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

    Yvonne Evans

    Organization Name: Risque Adult Boutique

    To begin with we were never told that there was a termination fee of 596.00. Second there training was a joke, the guy kept putting us on hold and my partner had to leave because we were on hold more than talking to him. Third on top of the receipt was supposed to be our logo it was not there. Fourth on our opening night we had 279.00 (estimated) in credit and debit cards we found out 4 days later they wanted us to provide a custo.ers name, receipt and phone number so we could prove we were not a scam took almost two weeks to get our money , because we were depending on that money to add to our rent we were late. Fifth we were shorted 50 giftcards. Their customer service is horrible. Calls aren’t returned and it takes forever to talk to somebody. I would never recommend this company. I really wish someone would have warned me.

    2
    • Organization Name: Risque Adult Boutique

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

    Alberto

    This company is very unprofessional in all aspect, so beware because they sign the contract with X price and two months later they send the transactions statement with some small letters saying that the new prices have been increased to x + y%. When you realize and want to cancel that fraud then they say that is too late and is time to pay almost 600 USD for contract termination despite it is not your fault.Note: This company deserves 0 or less.

    1

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

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    Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

    Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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