E-Commerce Exchange Review


Ecommerce Exchange was founded in 1999, making it one of the longest running credit processors in the industry. Customers can expect to receive fast approval, easy installation, and excellent service and support from this company. As a merchant using their solutions, you will be able to accept Visa, Mastercard, Discover, Amex, JCB, Diners Club, and additional forms of payment. With over 99% of their applicants being approved, and one of the shortest lists of prohibited businesses, why not give them a try today? Plus, they are recognized by the Better Business Bureau and numerous industry associations as a reputable processing partner.

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There is a long list of processing solutions offered through Ecommerce Exchange. For businesses looking to process credit cards at a retail location, you may use your laptop, tablet, PDA, or smartphone with a number of wireless, POS, and dial-up terminals. The company also offers customized systems, with equipment provided from some of the top names like Nurit, Hypercom, Verifone, and LinkPoint. The wireless options allow business that are mobile to process payments, like in-home service companies and even those that need the option of processing orders at events.

Online transactions are also easy through this service provider. They include an online payment gateway using Authorize.net, one of the top names in this business. This system is fully compatible with a number of online shopping carts as well. The included Virtual Terminal allows for the processing of payments anywhere you have internet access. Additional equipment may be obtained that connects to a cell phone and provides the ability to swipe credit cards.

Service Ideal For:

Since Ecommerce Exchange offers so much to choose from, including a number of very high-end solutions, this type of merchant and credit card processing is probably best for a medium sized or larger company. Certainly, it would also work for someone just starting out in business, provided they had a very clear idea as what they want to accomplish from such a service.

Sign Up Process:

Due to the wide breadth of products on offer, signing up with Ecommerce Exchange is a bit more involved than most of their competitors. Plan on spending some time and effort completing the application. It does appear that this may be done online; but you should make sure to have all your information together. You will need to know the approximate percentage breakdowns of the type of card usages your business expects, then supply contact information. The nest step in the process is your business information including the tax ID number, number of units, length of time in business, and more. Also, be ready to supply data regarding your credit history and banking information.


The pricing with Ecommerce Exchange seems to be a mixed bag. Some things are a bit lower than most of the competition, such as the 2.09% online discount rate. However, it should also be noted that these are simply averages. Each customer is matched up with a plan on an individual basis and this means that rates and even fees can vary somewhat. Set-up fees are also potentially a factor, ranging from $0 on up to $99, depending on your specifics.

Basic Pricing:

Monthly Statement FeeMonthly MinimumMonthly Gateway FeeSet Up Fees
$12.00$20.00$20.00Up to $99.00

Credit Card Fees—Retail:

Average Discount RateRetail Transaction FeeEquipment Cost
1.64%$0.27$25 to $250 per month

Online Account Fees—No Card Present:

Online Discount RateGateway Transaction FeeAddress Verification Fee

Ease of Use:

Is it easy to use the system offered by Ecommerce Exchange? Most online gateways and payment processing setups will be conducted through Authorize.net, which is indeed one of the easiest systems to use. Of course, the more customized solutions, like an integrated POS system may take a bit more getting used to, although they will ultimately be quite efficient and make paperwork and processing much simpler in the end. With so many credit card processing options available, make sure to invest the time in choosing the right Ecommerce Exchange package that meets your business needs.

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