Processor Directory > Encore Payment Systems

Encore Payment Systems Review

Encore Payment Systems, LLC is a Texas based payment processor that serves businesses nationwide. Encore recognizes that individual businesses vary in their needs. Whether a business provides service at their location, on-the-go, online, or some combination of all three, Encore can make accommodations. In this Encore Payment Systems review and profile, we will discuss its services and what people have to say about it.

What payment services does Encore offer?

Encore Payment Systems offers a range of solutions that can help you accept any type of payments, including credit cards, debit cards, and internet payments.

Encore Payment Systems homepage

Point of Sale

If you accept payments in-store, Encore offers EMV-capable card terminals and tablet point-of-sale systems to help meet the demands of your business. With Encore you are able to accept all major credit and debit cards.


Whether you bring your merchandise to farmers markets and fairs, or provide services at different locations, you are going to need a mobile method for taking payments. Encore offers mobile processing products and services to allow you to process transactions from virtually anywhere. Mobile payments can be securely processed with a wide variety of popular smartphones and tablets.


Having an online business allows your customers the convenience of shopping whenever and wherever they want. Encore Payment Systems offers you the option to accept payments online with e-commerce solutions. Additionally, Encore offers access to online tools such as email marketing, text notifications for customers, and web design tools. Encore offers payment gateways through Authorize.Net or Electronic Payments Network. Features include shopping cart integration, secure processing, and recurring payment options.

Are there any industry specific options?

Encore can provide services for any type of business, but it has some pre-tailored solutions for common needs. The following are options based on industry:

Mail and Phone Order

For businesses taking payments through the mail or over the phone, Encore offers the EVO Snap Virtual Terminal solution, allowing you to take payments through any computer with internet.

Food Service

Running any business is a lot of work, but the food service industry comes with its own specific challenges. Whether you run a bar, restaurant, food truck or something else, Encore has food and beverage specialists that can assist in customizing a plan for your needs. Encore offers options ranging from simple tablet based systems to full service setups that can help manage and monitor your business.


From a modest Bed & Breakfast to nationwide chains, Encore says it has solutions to fit your business. Encore Payment Systems’ Hospitality option features comprehensive reporting and the ability to institute a customer loyalty program to encourage repeat business.

What About Customer Support?

Encore Payment Systems boasts 24-hour support with knowledgeable staff. Additionally, Encore offers equipment warranties to protect you from cost issues associated with broken or damaged equipment.

Encore Payment Systems Rates and Fees

Encore Payment Systems doesn’t publish rate information on their website. Rates will vary from business to business, including what type of cards you will accept and your monthly processing volume.

If you are interested in a quote from Encore Payment Systems, you a can request one through CardFellow. Our free service allows you to privately compare quotes from various processors, helping you make the right decision for your business.

Encore’s website states that if they can’t meet or beat your current processing rates, they will give you $200. Encore also claims that if you sign up, you will still receive the $200 as a sign on bonus.

Encore Payment System Reviews

Encore Payment Systems, LLC is not currently accredited with the Better Business Bureau, but does have a profile with an A- rating. The company has had 102 complaints closed with the BBB in the past 3 years. The majority of the complaints (51) are in the category "Problems with Product/Service." 32 complaints are in the "Billing/Collection Issues" category, 18 complaints fall under "Advertising/Sales Issues,” and the last one is in “Delivery Issues.” There are also 5 negative reviews.

The majority of complaints center on cancellation issues, stating deceptive practices, large cancellation fees, and renewal of contracts without consent. Others allege problems with equipment, bad customer service, aggressive sales people, hidden costs, and difficulty receiving funds. Some claim that signing up with this company has devastated their business.

9 featured reviews on Yelp give Encore a total rating of 2 stars. 7 out of the 9 reviews gave it the lowest score possible of 1 star. The positive reviews state that Encore has great services to help bring in revenue, and that sales reps are knowledgeable. The negative reviews echo the complaints on the BBB. One reviewer states being un-willfully locked into a credit card machine lease and paying exorbitant amounts of money for equipment.

Ripoff Report also shows negative response for Encore, with 51 reports in their complaints directory. Reviewers complain of deceptive practices, inability to cancel accounts, unauthorized charges including after cancellation, high fees, hidden costs, and unethical sales reps.

Encore Payment Systems does not include testimonials or awards on their website. Have you used this company? Leave a review!


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Posted by CardFellow on Mar 22, 2016


Encore Payment Systems is now a division of EVO Payments. We haven't seen many statements from Encore, but what we have seen has shown a tendency toward bundled surcharge pricing. The back-end processor is Global Payments, which also has a tendency to overcharge assessments.

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