GDpay Review

This comment is 1 month after starting with GDPay. It's all good! Kevin was and continues to be very responsive to inquires and requests. We process through both computer and credit card terminal. Kevin was extremely helpful in getting everything setup. Customer Service from eProcessingNetwork and Chase has been great. How often do you get to say customer service is great? So far, so good!

I very highly recommend these guys. I own a travel business, and after 10 years of being screwed by other providers, I believed there had to be a few brave souls out there making a living helping small business owners cut through the banks' smokescreens to secure reasonably priced merchant processing. I came across CardFellow on a financial blog somewhere, talked to a couple of their partners, and GDpay came out on top. After wrangling with my existing provider (CapitalOne), they eventually - and very reluctantly - offered me a comparable deal (though they wouldn't budge on the 3-year contract term), all the while asking why I would ever want to leave them after "6 years of excellent customer service." In fact, they had been gouging us and quietly increasing our rates from the start. I wouldn't have stayed with them even if they had been a little cheaper. In a final demonstration of excellent customer service, they tried to charge us a $2,500 early termination fee. It took several more phone calls and hours of hassle to get that reduced to a fraction of that. But we're saving more than that every month with GDpay, so I'm not losing sleep over it. I just went over our first full-month's statement with a fine-tooth comb, and it's just as they said: simple, straightforward, easy to understand. What a relief to know exactly what we're paying for the service.

Kevin is great to work with, promptly returning phone calls and helping with questions. We accepted their quote on Monday and on Friday we are up and running. The rates quoted should represent a big savings for our business, and the backing by Chase and Paymentech should be an improvement over our previous processor. One slight difference with a larger bank such as Chase is when calling in you need to learn what department to use, the phone menu is a bit more cumbersome than our previous processor. The advantage is more features (online reporting, etc), thought at this point I've found the automated telephone reports are updated quicker than the online reporting allowing us to check batches the next day to ensure things are working properly. As we have just recently set up with them, the review at this point is simply about timeliness, ease of setup, and customer service. Once we start receiving statements from the processing I will update the review as necessary. As long as the rates, fees, and effective rate on our statements prove themselves to match the quote we were given then the review will stay at 5 stars. Update - 1 week later. We got up and running smoothly with this processor. Everything is working fine, however I dropped a point off of overall performance as the settlement time is listed as 1 day, however we are finding it is actually 2 days (even for batches closed early in the day between 1-2pm). Certainly not a deal breaker, however as we were deciding between processors the 1 day vs 2 day settlement time did play into the decision. Also, the online reporting does not show yesterday's batch for verification. It was explained to me that the batch information does not show up until the transfer to the bank is initiated, which means we see it the 2nd after, basically at the same time the money arrives in our bank account. There is an automated phone process that allows us to check batch information before it becomes available in the online reporting. The online reporting time is probably completely comparable to other processors, and generally once things are set up and running we will only look at this information once per month to reconcile, so I did not drop any points for this. Update - 1.5 months later. We received our first full month's statement with this processor. I can actually read this statement and make sense of it and guess what - the overall effective rate was exactly what we were quoted. Amazing. Exactly as it should be, but amazing nonetheless after dealing with a handful of different processors over the years of being in business. We are saving over $100 per month with GDpay and are very happy with the service. The Chase Paymentech online reporting is also great once you get used to how to use it. I do not need to wait for the paper statement in the mail, I can download it online right after the close of the month. The statement itself is easy to read and very detailed (much more than our past processors). Each batch is clearly listed on the statement with no combining of batches (in the past we've had processors that combined weekend batches making reconciling a bit more challenging and a hassle). Overall A+, very glad we made the change.

I read these reviews about Kevin when I was choosing a processor and I have to admit: I thought "This is too good to be true. This guy has great reviews *and* the best rates...I'll believe it when I have a statement in my hand." Well, I just got my first statement from them and I'm VERY happy. The effective rate of their processing came in 1% lower than our old processor and exactly where the calculations from cardfellow.com said we should be. Plus, we were able to set up a payment gateway for our online shop, something that will save us even MORE money as we won't have to pay Paypal every month. All of this is a HUGE bump for our bottom line. Not only that, but it's true: Kevin is a solid guy who made the switch very easy. Great follow up and VERY available on email and phone: a true professional. He took a ton of time to really listen to me about our business's specific needs, and helped me figure out a solution that's saving us a ton of money. We're very happy with GDpay.

I assumed it would take some time to get a merchant account and payment gateway up and running for my company, but GDpay worked with me to get everything wrapped up in a couple days. Very helpful, and with the best rate too! Highly recommended.

Kevin has been an asset to me in taking care of my application in the most efficient and effective way possible. He has proven himself to be a professional by taking care of the merchant account allowing me to focus on other things. Where Sage Payments approved me in 6 days after being initially declined, Kevin got me approved within 6 hours once he reviewed and signed off on the paperwork I submitted to him. Appreciate your work.

Kevin is a pro -- he's knowledgeable, generous with his time, & extremely helpful with getting started. The GDpay rates were competitive and the service is full featured and works seamlessly with our existing platform. The switch was a cinch. If I could do it all over again, I wouldn't change a thing. We've got our first statement already, it's easy to read, and everything looks to be exactly as we were promised.