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EMS Unfair & Deceptive Sales Practices Unbelievable Fees & Penalties

Electronic Merchant Systems - EMS Unfair & Deceptive Sales Practices Unbelievable Fees & Penalties
Please read this completely if you care about “the little guy” in corporate America. Avoid EMS at all cost! Their contracts are written to benefit only them. They do not care about the customers. They do not care about the little people. They refuse to accept responsibility for deceptive sales practices by their own representatives and choose to not be sympathetic to legitimate customer complaints. They are a very huge corporate giant and many banks and institutions not only use their services but recommend them to others...especially small business owners. No matter how good their pitch may sound, Don't Do It!!! You will be signing your life away and will end up paying for it in blood...yours to be precise. Do NOT rely on the word of your sales rep. Undoubtedly, the Agreement that you sign will say something different. But you will not see where it says anything different because their "fine print" is so fine that it literally makes my eyes cross trying to read it. There are all kinds of clauses buried in the multiple full pages of "fine print" that override anything you thought you were agreeing to on the front of the Agreement. I don’t necessarily think that the reps are intentionally trying to deceive…I don’t think they can read the fine print either and probably some of them don’t even know all of the fees and penalties and waiver of rights that are contained therein. We were never shown or told about anything on the reverse of the Agreement. There are even signature lines provided at the bottom of the fine print side that were never signed or initialed by us. When I brought this to the attention of EMS Corporate they said that those lines were for use with facsimile transmission only. All the fine print that allows for blood letting is not disclosed to the consumer in a means or fashion that a person of reasonable ability or intelligence can identify. It is not on the face of the Agreement that is in a readable and legible font. It is minutely tiny in grayscale font in large, lengthy paragraphs. A 12 month agreement is not really for 12 months. You have to notify them in writing at least 90 days prior to the end of your 12 months or face a $300 cancellation fee. Then, apparently, the actual "cancellation" does not happen for some period of time after they take withdraw your fee. We have been charged $71.25 additional more than 10 days after EMS withdrew the $300 cancellation fee. You will not be able to reason with them. The harder you try the worse it becomes. I’m sure there must be some wonderful people who work for the company, but their reputation will become marred by association. Your bank probably won't be able to help you. You will be the one who will have to pay to change your bank account that you have given EMS the right to access. You will be the one to pay for new checks. You will be the one to pay the overdraft fees because of a "surprise" EMS ACH withdrawal. The pain will FAR outweigh any rate savings there might be (or at least initially looked enticing to you). When my husband first spoke to EMS corporate, he was told, "well...there are companies that charge cancellation fees of thousands of dollars..." Is this supposed to make us feel better about ONLY getting ripped off for $300 or $400? Translated into the vernacular..." could be worse..." Is this an understanding position for a company to take with a customer who has a legitimate complaint? AND, If you are a small business with little or sporadic use of your processing system (credit card transactions), you will be charged close to $30 per month as a "minimum monthly fee". There probably will not be any help from the BBB or your state's AG's office either. EMS is Goliath and you, the lowly consumer, are David. You are left holding the all the extra bank fees from the overdraft situations that unexpected EMS withdrawals have now caused. The "five little stones" that you "threw" trying to reason with an unreasonable giant just pinged off the armor and feel to the ground. The mocking laughter still rings in your ears. You are alone in your battle with the giant. This type of legal abuse of consumers should be stopped. Contracts should be written so that ANY clause that affects the terms and penalties or waiving of rights should be itemized independently and signed or initialed separately. In the interest of full disclosure to consumers, companies should be forced to end the verbose mumbo jumbo and deceitful, but legal, practices that they engage in to become wealthy at the expense of the consumer. And EMS is just one of MANY companies that engage in these types of practices. Enough is Enough! If you are outraged by this type of financial "rape" of consumers by big companies, start a grass roots movement to state and federal government legislators to hold big companies accountable to consumers and make them stop perpetuating these practices in our country. Keep trying until you can bend the ear of someone who not only cares, but who has the power to try and do something about it. Please copy and paste this information and send it to everyone you know who is fed up about being ripped off by big companies. Please Note: EMS or Electronic Merchant Systems also does business under other names. Please use Google as a search tool to investigate them further.
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#130488 Review #130488 is a subjective opinion of poster.
Rochester, New Hampshire


Electronic Merchant Systems Return Policy
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Electronic Merchant Systems Delivery Policy
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Electronic Merchant Systems Privacy Policy
At Accept Credit Cards at Electronic Merchant Systems Inc. ("EMS"), The User's privacy is Electronic Merchant Systems's' priority. EMS is committed to protecting The Customer's privacy at all times, in all situations. The information EMS collects about The User of Website when The Client become a member is used to process The Client's orders and to provide a more personalized experience on the EMS Web site. In order to better insure the protection and security of The User's personal information, the EMS Web site uses a 128 bit encrypted SSL. While, EMS, can not guarantee complete security on stored information, EMS has installed and applied Electronic Merchant Systems's' encrypted pages and installed SSL certificates to prevent information from being stolen. When The Client of Electronic Merchant Systems become an EMS member, EMS will ask The User of Website to fill out a form that requests disclosure of The Client's name, address and e-mail address, as well as some demographic information such as gender and date of birth.
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Electronic Merchant Systems FAQ
Due to EMV compliance and liability reasons, The Client should upgrade to readers that can process chip debit and credit cards. Compliance involves more than simply having a chip reader, but that is one part of it. Most EMV card readers also include a magnetic card reader as well to accommodate The User's customers who do not have chip cards yet. Non-compliant companies who accept credit cards risk losing their ability to process credit card payments and being audited and/or fined. The theft of a small amount of cardholder data can cost merchants tens of thousands of dollars in fines, assessments, audit fees and remediation expenses. Those costs don't even factor in the damage to The Customer's company's reputation and brand image. Simply put, a security breach could put The User of company services out of business. Every business that processes payment card transactions must validate their PCI compliance annually.
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Electronic Merchant Systems has been on the market serving thousands of clients nationwide helping them to handle credit card transactions for over 22 years. The company provides merchant accounts, gift cards and credit card machines. Electronic Merchant Systems accepts credit cards from its clients customers and processes checks, debit cards, Visa, MasterCard, American Express, Discover, Diner's Club, JCB and China Union Pay credit cards. Electronic Merchant Systems offers PCI compliant merchant services and a complete selection of credit card terminals, including Hypercom and Verifone. The company features technical support and are backed by one of the nation's largest bankcard processors. Electronic Merchant Systems is based in Alexandria, VA.

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