eMerchant Review


The Californian merchant services provider eMerchant, has been trading since the late 1990s and is one of the most popular firms on the market. Based in Irvine, the company has a long-standing reputation for being customer focused. Being the merchant service of the highly successful BMO Harris Bank, the trust and prestige that comes with the partnership extends across every service that eMerchant offers. Accredited by the Better Business Bureau (BBB), eMerchant has earned an A+ rating through transparency and excellent service.


eMerchant accepts the vast majority of modern credit and debit cards, across both online and offline formats. This includes the standard expectations of Visa, Mastercard etc. but also extends to the Diners Club, JCB and more. With the additional cards that are often limited to the premium providers, eMerchant brings the extended range to an affordable market; through its range of six physical terminals from the leading manufacturers. Retailers can choose between Ethernet and wireless PoS terminals for maximum flexibility. Whichever device you choose, you are eligible for a rapid loaned replacement in case of breakdown.

Virtual terminals are also on offer, allowing mobile retailers to tender transactions through any device with an internet connection. This includes certain smartphones, tablets and most PCs and laptops. All transactions are safeguarded by encrypted gateways which are also PCI compliant.

Service Ideal For:

There are several reasons why eMerchant could benefit your business, no matter what shape or size. The devices offered free of charge enables smaller businesses to take advantage of the outstanding features on offer, whilst the low prices across-the-board will also attract the larger businesses with a high volume of transactions. eMerchant has exploded in popularity since moving online, with the ability to integrate the payment gateway into many popular e-commerce plug-ins working wonders for its customer growth.

Signup Process:

Whether you’d prefer to fill in a form on the company’s website or talk in person over the phone, applying for an account with eMerchant is incredibly simple. Account managers are on hand to go into more comprehensive details and build a more bespoke package on a customer-by-customer basis. Your business will be assigned an individual point-of-contact who will grow to know your business and assist in your growth, another feature normally limited to premium providers. Approval is well into the 99% range and you can expect to be taking payments within a few days of signing up.


Along with the incredible free-of-charge offerings from eMerchant, retailers can also look forward to low fees across the board. You’ll find that despite the range of premium features from the company, prices are surprisingly lower than many of its competitors. There are no hidden fees or long contract lengths, so take confidence in the company’s transparency and honesty.

Basic Pricing:








Credit Card Fees - Retail:







Online Account Fees – No Card Present:






Ease of Use:

eMerchant made its name in the late 90s as an outstanding merchant services provider for brick and mortar stores, but it’s the online arm that has really made the company its name. Famed for unparalleled customer service and price transparency, the honesty of the outfit shines through and makes it an easy sell for businesses. The low fees and free-of-charge features do nothing to harm its credentials and overall, eMerchant is definitely one of the top choices in the merchant services market.


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