ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

EVO Merchant Services Scam

Updated on July 11, 2012

EVO Merchant Services Information

Before you sign with EVO Merchant Services for your credit card processing needs, be sure to read this lens. I am attempting to identify any bait and switch tactics or other issues that small business owners have to face with EVO. If you have any experience with EVO Merchant Services that supports or conflicts with the research please let me know in the comments section at the bottom of the page.

EVO Review

With headquarters in Long Island, New York, EVO Merchant Services ( processed over sixteen billion dollars in credit card transactions last year. They service small to mid-sized merchants in all industries and offer a full range of electronic payment services. EVO employs over eight hundred people and is positioning itself for future expansion and growth. The company was founded on February 17, 1989 and has been in uninterrupted business for more than twenty years. On the home page of their web site Evo Merchant Services claims to be an innovator and on the cutting edge of technology in the merchant services field. The CEO of Evo Merchant Services is Ray Sidhom. The president is Jeff Rosenblatt. The services offered by Evo include; credit card processing, debit card processing, EBT, gift card, loyalty card, wireless payment acceptance, express pay and other electronic payment solutions.

Questions To Ask

When choosing a merchant account provider it is imperative to make an astute and well-informed decision. Because merchant payment processing is not their main business, banks should be avoided as electronic payment processors. Below is a checklist of questions to ask about potential credit card processors and merchant services providers followed by answers concerning EVO Merchant Services. Let's see how they rate under scrutiny.

What is the company's track record? Are they registered with the Better Business Bureau?

How many complaints have been filed against them and how many have been resolved to the customer's and the BBB's satisfaction?

Evo Merchant Services has numerous locations which gives it numerous BBB reviews. They are graded anywhere from an "A+" at the 515 Broadhollow Road, Melville, NY location ( to an "F" at the 150 West 30th St, New York, NY location ( The BBB shows seven customer grievances files against this location in the past three years while the Broadhollow Road office has sixty-seven consumer complaints in the same time period. For a company as large as Evo, that is not an inordinate number of complaints. It is an area of concern, however.

What is their customer service reputation?

Most complaints filed against Evo Merchant Services have to do with billing and customer service.

Most complaints filed against Evo Merchant Services have to do with billing and customer service. Evo employs a number of Associate Partners that work as an independent company while relying on Evo's technology infrastructure. While this may be a good business model from a shareholder's standpoint, this type of organization often suffers from a lack of centralized management and poor customer service.

How good is their technical support department? Do they have toll-free, 24 hour help available?

Evo Merchant Services has a full technical support department at (800) CARDSWIPE (2273795). The main website does not give information about technical support. Many of the reseller websites promise 24/7 technical support and 24 hour on site service.

What is their fee structure?

Low and reasonable fees are attractive, but beware of companies that offer excessively low rates. Most often you'll get what you pay for. According to their website, Evo Merchant Services charges competitive rates of transaction fees, startup fees, and maintenance fees. Avoid companies that charge a myriad of fees. Some examples are application fees, set-up fees or annual dues. Evo Merchant Services fees appear to be on par with those of other large electronic processing companies.

Compare equipment prices between companies and avoid leases.

More often than not, a lease is a way to charge you more than the equipment is worth.

Evo does not sell or lease equipment. They use outside vendors that often masquerade as a part of Evo Merchant Services. Quoting from their website, "EVO does not lease equipment and we have no control over leasing contracts with outside organizations. If you are unsure of whom your leasing company is, you can review your checking account statement for the name of the company." (

How much reserve do they require?

Sometimes you'll have to keep a reserve on account to cover any losses due to charge backs.

Evo offers a number of programs depending upon the customer's needs. There is not a definitive answer to this question as every client's circumstance and credit rating is variable. The information is only available through a meeting with an Evo representative or reseller.

Check for monthly caps on your volume.

Once again, Evo offers a number of programs depending upon the customer's needs. Most of these programs will have volume caps. The higher the cap the higher the monthly fee, of course.

Check the contract length and any early termination fees that will apply if you choose to take your business elsewhere.

Equipment leases can vary because Evo uses outside vendors. Service contracts at Evo are for three years and there is a $250 early cancellation fee.


It’s a good idea to use these questions when researching merchant services and credit card processing companies. Don’t be afraid to have the list on hand and ask the sales rep in person or on the phone. Interview a potential merchant service provider as you would interview a prospective employee. Don’t give in to high pressure sales tactics. Insist on meeting with and rating several potential companies and make an informed decision away from the presence of any sales reps. Don’t expect much personalized service and be aware of the possibility that the sales rep may not be an employee of Evo Merchant services. The independent reseller business model removes some control from the company and poor customer service is often the end result.

What was your experience, are there other questions small business owners should be asking before they think about signing up with them?

Have you worked with EVO?

    0 of 8192 characters used
    Post Comment

    • profile image

      BSD 24 months ago

      EVO may do things legally, but they are unethical. They have billed me for 7 years after termination of services. I have not processed credit cards with them since termination and they have drafted my bank account every month since then without my knowlege (its auto renews every year unless you cancel within 90 days of renewl). Upon termination we ceased getting bills or any correspondence from EVO. If I would have gotten a bill, I would have contacted them. My accountant assumed the fees were legitimate as we had received them in the past and the draft note was very ambiguous (bnkcrdprocessingfees). He was unaware that we had a new processing company that charged no monthly fees. Cummulatively this amounts to $3000 or so. It took me 8 phone calls just to get enough information to sign inot my account online so I could see billing statements. Evo will not even give us the courtesy of terminating till the end of this contract year, much less refunding any of our money for any services rendered. They stadardly refer to the fine print in the contract. It is clear from the scripting they have in customer service that this happens a ton. I told 3 different people what was going on and got the exact same response and verbiage from each one. They are trained to deal with people who have been billed ongoing for terminated services. Make sure you read the fine print. Its not that much money, but it is so wrong on so many levels and it has cost me hours of time trying to figure it out.

    • profile image

      Shal Taylor 2 years ago

      We haven't used their services in over two years and they STILL charge my account. I've called, and faxed the appropriate documents and every month, twice a month the company still takes out over $100. DO NOT USE THIS COMPANY! They are crooks!!

    • profile image

      David Green 3 years ago

      Stay away from this company. I had a friend who was a rep for them and also a customer of ours, so we switched to save 40$ a month. The friend left them soon after we signed up.

      We bought two terminals for $1750 and 1250 rather than leasing(They were going to charge 1500 on the second terminal until I sent a copy of the email from the rep showing the lower quote ).

      After a couple of years they said we needed to switch to new terminals because ours weren't compatible with their new software. They took back the ones that we bought and exchanged them for different ones that were not as easy to use because they were on a leash. They also appeared to be used and were not very reliable due to battery connection issues.

      The worst part about dealing with them was all the bizzare posting issues that came up; batches split between two days etc. It became a bit of a joke around the office how bad they were. We spent hours on the phone trying to resolve equipment and billing issues. Now that we have left they have charged us a $500 cancellation fee because we didn't cancel at the end of any contract year.

      Our new provider is about 30% cheaper per month. This is the new way of doing business. When market conditions bring prices down these companies(like the cable and internet/phone) keep you at the old price as long as they can and then stick you with whatever they think they can get away with when you find out and leave.

    • profile image

      Ken Blevens 3 years ago

      Scammers. Evo is the worst processing company. They promise low rates but I've only seen high rates and they are unpredictable. They also tacked on fees that weren't disclosed at the start and their machine was used and had no directions so I have had nothing but problems. I cancelled because I had enough and they took $395 out of my account for cancelling. I didn't have a contract with them for any term. Why would there be a fee? Scammers.

    • profile image

      Terri 3 years ago

      This whole ordeal with EVO has been a nightmare. As I read everyone elses experience, I'm contacting the FEDERAL TRADE COMMISSION in the morning to collect my money that has been in a holding account since January. You'll learn not to screw with people ever again.

    • profile image

      Kevin 3 years ago

      Worked for EVO for one month closed one account and quit because I'd have to go chasing them to get paid. My advice DO_NOT work for them or in any way deal with them. Sept. 19 2014.

    • profile image

      anonymous 5 years ago

      Please, whatever you do, if you live in the Port Jefferson area, do not do business with EVO because you will have the unfortunate experience of dealing with the skeletal Ginny Bove, with the fake smile and the mouth full of lies. She promises you the world while she picks your pocket. They rob you blind with the hidden charges. She lied and lied and lied. Claimed she had no idea of the company policy. She's been working there for years. And then she drops the bomb over and over that her husband is a big shot judge when he is some child support magistrate. BEWARE

    • profile image

      anonymous 5 years ago

      @anonymous: Ginny Bove is the sales rep in Port Jefferson and she is incompetent, makes promises she can't keep, doesn't know her own product, claims she taught school but doesn't appear to have an 8th grade education. She is a sorry excuse for a salesperson of ANY product. And she always drops that her husband is a Judge. She is clueless and the company overcharges every chance they can. Run!!!!!!!!

    • profile image

      anonymous 5 years ago



    • profile image

      anonymous 5 years ago

      I'd advise you all keeping away from EVO Canada. They simply do not deserve any cent you are going to pay for their fees, first of all because of a terrible customer service and 2nd of because of technical issues with their terminal. When you refund a customer and the customer is not getting his funds for more than one month, what the client does? He goes and file for a CHBK. The you call and you prove that the refund has been processed, however because of technical issues at EVO the funds never reach the recipient. Result - you end up with a high CHBK ratio, with a screwed business and at the end they are the ones cancelling the agreement because of a high CHBK ratio. Sounds funny, but this was my experience with them. I'd simply not wish anybody going through what I've gone for the time being with them. And my simple recommendation would be - if you want to be safe deal with a merchant account provider directly and NOT with a 3rd party, like EVO.

    • profile image

      anonymous 6 years ago

      Ask what the rate is for corporate credit cards--turns out to be over 5% not the 1.,5% rate they advertise

    • profile image

      anonymous 6 years ago

      EVO is the worst company I've ever dealt with. They put ridiculous holds on transactions, charge your account without notice for fees that don't make sense. I've had them for a few years now, been trying to get of rid of them for more than a year. I'm at the point of closing my bank account to stop them. They don't send out any paperwork or email or call. They just charge away.

    • profile image

      anonymous 6 years ago

      EVO is the worst company I've ever dealt with. They put ridiculous holds on transactions, charge your account without notice for fees that don't make sense. I've had them for a few years now, been trying to get of rid of them for more than a year. I'm at the point of closing my bank account to stop them. They don't send out any paperwork or email or call. They just charge away.

    • profile image

      anonymous 6 years ago

      I am currently having a hard time with EVO and plan to close my (bank) account, so they cannot extract any more money (this was suggested by my bank, because evo will come in with different names to take money out) they have taken $2000. reserve account from us, when I asked for a refund of it...since we are past the 6mos-1year time frame, it turns out it only has $200 left in it...when I asked for an itemized list of the debits, they told me their computer was down, when they finally supplied it, it has absolutely no explanations on it; when I asked for detailed information on the debits the guy keeps answering me "they take a reserve account for chargebacks and various risk factors blah blah blah..." they do not seem to want to supply me with the REASONS for the debits; three times I have requested it and 3 times I get this hazy response.

      Generally, they keep taking various unexpected amounts out of my account and are constantly causing me NSF charges, by the bank and then they charge me another $20 on top as well, usually 2x in a row so I have lost about 2-300. in this way in less than a year (despite having my reserve account which they could be legitimately debiting for this purpose)...I think they see the opportunity to make an extra $20 every time and therefore take advantage of the opportunity.

      When I signed up with them, I was not warned that I would have to pay a huge fee to cease my previous provider (which of course they knew) and when I suggested that I would quit them as soon as my contract was up--because I thought that they should have warned me, they promised to refund me the cancellation fee...twice I faxed them the proof, twice they lost it, and with lots o waiting and fussing I finally emailed it and they declined to pay it after all...I think they have cost us about $5000. for their so called "service".

      they have told me there is no cancellation fee if I give them 60 days notice to cancel our contract, so I told them to go ahead an take this as my notice---they kind of declined to accept it and told me to wait, they would clear up my concerns with the details I was looking for...well they have not. But instead of giving them 60 days of access to my account I will change accounts and cease with them...they still owe me at least $200 bucks (if not the other $1800--that appears to me to be stolen!) let them take me to court.

      i am going cash from now on, these credit card processors are all scam far as I can tell, that's why you get a milllion phone calls from them all the is huge business!!

    • profile image

      anonymous 6 years ago

      EVO has been an absolute nightmare to deal with. From missing payments to unauthorized transactions being put through on my clients credit cards. This company is either completely unorganized or they are in business to rip people off. Please do not use their services.

    • profile image

      anonymous 6 years ago


      My name is Tommy I had a service with evo

      Around Xmas time in 2010

      Around feb 2011 I called to cancel the act with them

      They told me to fax a request I did fax them around

      7 requests till now but they keep ignoring me

      And taking money out of my act

      Don't know what to do

      Please help

    • profile image

      anonymous 6 years ago

      I worked there for a while and you would not believe the B.S. that the sales people are told and all the unethical things being done and hidden. It is a whatever it takes attitude and more than half is unethical.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: ""

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)