emerchantpay  Reviews 

Quality & Quick Support!

IWas pleased with initial call with Nessa,and follow up with Clair Fergason,to sort out my will,I don't have a lot to leave,but was treated with respect,and was not made to feel inferior. Thank you.

You answered to my email 3 months after ....

I love everything about emerchantpay:
- people from emerchantpay
- services
- products
- implementation
- integration
- support
- management
- reporting
- everything

when i got you ro do my will i thought it would be sent to men be no it went into safe store
i have sent email asking for my will so far nothing not happy at all sorry

Shockingly, my card machine declined 3 transactions in store but accepted 3 manual entry transactions, however when I phoned the help desk I was told it was because my account had been terminated for non regulatory compliance, I have received absolutely no communication to inform me of a pending termination, and then on the phone I was also told it was supposed to be terminated from 10/6/25 but they've done it early! and the 3 transactions that I took money for, I will have to wait 6 months to receive.
Was told I would get a call back or an email, as yet nothing and no facility to take card payments in a retail store, the attitude of the guy on the phone was so flippant it made my blood boil!!

good job thank you!

Amazing company to work with, really helpful and friendly staff, Irina and Marko have offered a huge amount of support for me as a new business getting everything up and running, would high recommend!

Very helpful and always happy to assist, quick and efficient

Well didn’t put money in for 2 days
And my staff went to buy stock and couldn’t
Then had to go back to store next day and do again at and at that point the money still wasn’t in and had go again 3 times cheers

Very good customer service! If you have any problems they try to help you as soon as possible

Fantastic customer services .. if they can not take your call they will always call you back

Great rates and prompt settlements

I've had the best customer service experience with Rashmi and the EMP team, who helped get my business up and running smoothly. What’s more, Rashmi and EMP team, exceeds professional responsibilities, supporting us like a true friend.

Dear reader,

Get ready for a long, unclear process with slow communication and constantly shifting requirements.
With this experience I would like to save you some time, since it wasted 2 months of mine.

Our company sought an alternative payment processor and applied through their website. After a delayed response, we were asked to complete an extensive KYC and business information form before scheduling a call.

During the rescheduled call, eMerchantPay highlighted their payment processing benefits. Subsequently, they requested additional documents, including transaction summaries, test user credentials, and a detailed customer journey, all of which we promptly provided.

Further inquiries followed, questioning our use of Discord as a communication platform and requesting processing history and agreements. We clarified our practices and supplied the necessary information. They then expressed concerns about our service and payment methods being hosted on third-party platforms, specifically our e-learning platform and current payment processor. They also criticized our website's simplicity and lack of clear service descriptions, pricing, and subscription terms. In response, we revamped our website, added the required information, and integrated payment options directly, as they suggested.

Despite these efforts, eMerchantPay requested that we develop a complete e-learning platform on our own website, moving away from our existing platform. This significant undertaking involved rebuilding our system, transferring content, and incurring additional hosting fees. After completing these tasks, we provided a test account and detailed the changes made.

Receiving a reply with : we got a go head, we submitted director identification, proof of address, bank letters, domain ownership proof, and shareholding structure. However, they then requested more transaction statements, processing histories, corporate documents, service agreements, and email templates—many of which had been previously provided.

After fulfilling these additional requests, eMerchantPay declined our application, citing:

A poorly built website—despite our comprehensive redesign based on their feedback.
Services offered on a third-party platform (Discord)—even though we had integrated services into our own site as requested.
Unreliable processing data, with monthly transactions below $20K—despite providing eight months of transaction data aligning with our projected annual revenue.
Negative reviews of our Dutch website—irrelevant, as this pertains to a separate entity with only one negative review out of 41.
This two-month process was exhausting and ultimately unproductive. We provided extensive personal and business information, only to face shifting requirements and inconsistent communication. I hope sharing this experience helps others make informed decisions when considering eMerchantPay.

Unfortunately they only do business business with companies that turnover £1million anything less they are not interested in

UK based sales staff, rates aren’t what they initially tell you on the phone, as little as 0.1% when they actually come to the comparison it’s much more expensive, beware the hidden fees

Just recently opened my florist and thought I could get some good competitive rates but because I haven’t been turning over a set amount it seems my quote is higher.

I would also like to add I was promised a call back at set time and never heard from the mysterious sales manager/agent until I called back

Took my business to worldpay!!

Summary: emerchantpay failed to capture almost all of our customers' payments, resulting in thousands of dollars in losses and countless work hours spent contacting customers individually to partially recover these losses. Subsequently, they terminated our agreement without explanation when questioned.

We are Ultimate Gadget Laboratories Kft., a Hungarian company, and our website is UltimateHackingKeyboard.com. When we contacted emerchantpay, we were already using a payment processor that captured most transactions, but approximately 5% of transactions failed, so we were seeking a better alternative.

Upon contact, we received a quick reply from one of their employees, who became our eCommerce Sales Manager. He guided us through the application process and promptly addressed our questions. I thoroughly read their Terms of Service to understand all details.

On 2024-08-17, we began processing payments through them in our webshop, expecting the funds to be captured by emerchantpay and transferred to our bank account.

On 2024-08-27, my assistant Nóra noticed that the funds from webshop orders weren't credited to our bank accounts. She emailed our manager but received only unhelpful responses.

On 2024-08-28, a customer complained about being unable to pay in our webshop. I observed the nonsensical error message from the emerchantpay WooCommerce plugin stating "Checkout payment error: Argument passed in valid format but makes no sense (e.g. incorrect country code or currency)." I immediately reverted to our previous payment processor and asked the customer to retry the purchase. He declined, resulting in a lost revenue of 611 EUR.

On 2024-09-02, Nóra noticed that webshop order funds weren't credited to our bank accounts and emailed emerchantpay. They suggested manually capturing transactions via their Genesis merchant dashboard, which proved unintuitive, cumbersome, and extremely time-consuming to use, with an unnecessarily long 158-page user guide.

When attempting to capture payments this way, Nóra encountered the error message "Workflow ReferenceInvalidatedError: authorize timeframe expired?" When we asked for clarification, emerchantpay explained that the default authorization timeframe is 7 days. In other words, we needed to approve every transaction within 7 days of purchase; otherwise, they would be void. Nóra managed to capture only three transactions totaling 593.24 USD and 196.48 EUR. The rest, totaling many thousands of dollars and euros, were void.

This situation is absurd. emerchantpay had numerous opportunities to explain that transactions required explicit capture. They could have informed us during onboarding, when we started processing, or before the captures became void. Instead, we only discovered this when almost every capture was already void. Furthermore, no reasonable payment processor should expect their clients to approve every transaction individually.

I emailed our manager, detailed the situation, and asked him to find a solution. He replied with a courteous, wordy, and completely useless email stating that they can’t capture the transactions and even saying that the 7-day capture timeframe model is in favor of us because this way, we can void the transaction in 7 days when we have no stock or if the product hasn’t reached the consumer. This way, we can avoid fraud reports.

His explanation is unrealistic. Merchants like us don't offer products for sale when out of stock. In worst-case scenarios, we issue refunds. Additionally, since we sell globally, some shipments take longer than 7 days despite our best efforts, making it counterproductive for captures to become void.

Our manager also said that he was unsure how this misunderstanding occurred. Let me help explain: it’s because emerchantpay failed to communicate it!

On 2024-09-20, emerchantpay emailed us: "With reference to Art. 15.7 (i) of the Terms and Conditions, Version 5, dated the 1st of August 2023 ("T&C"), we hereby officially notify you of our decision to terminate, with immediate effect, the Merchant Service Agreement signed on 31 March 2024 by and between Ultimate Gadget Laboratories Kft., eMerchantPay Ltd and E-Comprocessing."

When I informed them that I couldn't locate the referenced clause and inquired about their reasons for termination, they didn’t bother to respond.

While most affected customers were willing to pay again, we remain thousands of dollars short, some of which we'll never recover. In our experience, emerchantpay is not only a useless trainwreck; They pose a huge business risk. They failed to fulfill their primary purpose: capturing payments. They offered no solutions or remedies and demonstrated no accountability.