will never increase
Global Data Payments, LLC (aka GDPay) is a payment processor that places certified quotes in the CardFellow marketplace. When you’re looking for competitive pricing with no cancellation fees, it may be worth your time to check out GDPay through CardFellow. In this GDPay review and profile, we’ll give you the details on GDPay’s rates and fees, services, reviews and reputation, equipment options, and more.
GDPay is a family-owned processor serving businesses across the United States since 1996. GDPay is a registered ISO and MSP of Chase Paymentech, LLC.
GDPay offers credit and debit card processing, check processing, gift card solutions, and cash advances. You’ll have the option to take cards in-person (using traditional countertop machines or POS systems or using a mobile device) or online.
With GDPay, you can accept major cards like Visa, MasterCard, Discover, and American Express. Own a gas station? You may also be able to take fleet cards such as Voyager, Fleet One, FleetCor, Visa Fleet, and more, meaning you won’t lose business from fleet card customers.
Is accepting checks important to your business? GDPay has three check processing options: ACH & recurring payments, electronic check conversion, and Check 21.
With ACH/recurring, you can use GDPay’s ACH processing tool (designed for small and medium-sized businesses) to initiate an electronic transfer from your customer’s checking account using the "electronic credit" feature.
With electronic check conversion, accepting checks is as secure and convenient as accepting credit card payments. You’ll scan the customer’s paper check and an electronic image of the check will be securely stored. Your customer signs the receipt and receives the paper check back, and funds are credited to your business bank account automatically. With electronic check conversion, there is no need for a trip to the bank.
GDPay also offers the internet-based Check 21 solution to accept paper checks in-store or by mail and turn them into electronic payments. Scan checks to turn them into electronic documents using a check scanner and funds are automatically deposited in your business bank account.
If you’re looking to get into the gift card game and take advantage of the funds generated from gift card sales, GDPay can provide a scalable solution designed for your needs. GDPay offers three gift card programs: Gift Card Now, Gift Card Advantage, and Gift Card Custom. For customers who already have a gift card program in place, GDPay can help transition your program to GDPay.
GDPay’s Gift Card Now program might be right for you if you want a simple, turnkey gift card program. The Gift Card Now solution comes with 50 or 100 gift cards personalized with your business information. Sample templates are available on GDPay’s website.
If your business is growing and you want enhanced branding, GDPay’s Gift Card Advantage program is a turnkey program that includes your business logo on the gift card. The Gift Card Advantage solution comes with 250 or 500 gift cards. Sample templates are available on GDPay’s website.
Or maybe you already have experience with gift cards or prefer a fully customized solution. If so, GDPay’s Gift Card Custom option provides fully customized gift cards. This option is designed for established businesses with multiple branches who will offer cards at all locations.
If you take payments (or want to take payments) online, GDPay offers multiple options. GDPay can support 4 different popular gateways, including the eProcessing Network (ePN), Authorize.Net, PayTrace, and Orbital.
Specific features may vary by gateway, but will allow you to process transactions securely through the web. Most gateways allow you to set up recurring billing, ideal if you sell goods or services on a subscription-model pricing plan. Additionally, gateways are compatible with many popular shopping carts for easy e-commerce customer checkout. Need to get your online sales data into an accounting program? No problem. Many gateways offer exporting data to QuickBooks or in other file formats for easy accounting.
While CardFellow urges you to carefully weigh the pros and cons of merchant cash advances, if you decide you need one, GDPay can help with that. You don’t need good personal credit to apply or be approved, and GDPay states that funding is provided in as little as 72 hours. Funds can be used for almost any business expense, including marketing and advertising, purchasing inventory, expanding, buying equipment, and more.
Yup. Specific terminal models vary, but GDPay offers equipment with all the current technology, like EMV chip card-capable terminals. They’ve also got you covered with the basics like printers PIN pads. GDPay offers equipment from Dejavoo, Verifone, and First Data.
GDPay places certified quotes through CardFellow, meaning that they’ve agreed to CardFellow’s terms and conditions. When quoting through CardFellow, GDPay will use interchange plus pricing, commit to a lifetime rate lock, and more. You can get a quote from GDPay specific to your business by signing up for a free CardFellow account in just a few minutes. Sign up today!
Within CardFellow, GDPay does not charge a cancellation fee, as it’s prohibited. Contrast that with quotes you get outside of CardFellow. If you don’t go through our marketplace, GDPay’s standard contract is for 3 years and renews automatically. An early termination fee up to $350 may apply. Remember, if you choose GDPay through CardFellow, there is NO early termination fee.
GDPay has been around for awhile, and generally has a positive reputation. The company doesn’t have negative reviews at Yelp or Ripoff Report, and has plenty of positive reviews from CardFellow clients.
GDPay dedicates a section of their website to customer testimonials. Reviewers praise the company’s low fees, seamless transitions from other processors, helpful staff, and big savings over other companies. Testimonials include the reviewer’s full name and the date that the review was made.
As GDPay has been in the CardFellow marketplace for several years, we have a lot of firsthand experience with them, and we’re happy to say we stand behind them. The quotes GDPay places through CardFellow are very competitive, and GDPay consistently gets high marks from businesses that choose them through us. As of December 2015, GDPay boasts a 4.5 star rating from 89 verified reviewers. At CardFellow, we have two types of reviews. Verified reviews are from businesses that we have confirmed chose their process through CardFellow and are working with them. Check out GDPay’s verified reviews. If you’re considering GDPay, be sure to take a look at their quote through CardFellow so that you’ll get all the benefits of both GDPay’s and CardFellow’s services.
If you use GDPay (even if not through CardFellow) leave a review!
Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.
From Cathy, on Aug 07, 2014
I have waited a year to post comments so my review would be based on actual performance. I have been extremely happy with GDPay, as well as the processing gateway they use from eProcessingNetwork (ePN). Things have worked exactly as promised and service has been prompt on the few occasions we have needed help. I recommend them highly. During the sales process, Kevin provided direct, factual answers to questions without sales hype. This is what sold me on GDPay once I knew their configuration would met our needs. My experience with other processors left me feeling uneasy and not sure how things would really work. They are part of the Chase PaymentTech network, so the service is reliable and secure. Functionality: Integration with Quickbooks was a major selection criteria. ePN has an add-on product that automatically launches during Quickbooks payment-related transactions. This saves us significant duplicate effort. My only criticism is the lack of visibility to current day transactions that are run through the Quickbooks add-on. These transactions can not be reviewed until after the dayend batch. We use the ePN portal for reporting, so I can not speak to other gateway-based functionality. Overall, the configuration meets our needs and works without a fuss. Cost: GDPay's rates have saved us a considerable amount of money; roughly .75% better than our previous bignameprocessor. We process a relatively low volume and a portion of GDPay fees are fixed. The higher the volume, the more you save. The monthly reports list the myriad of interchange fees and assessments with a separate section for GDPay fees. This makes it easy to see how the costs build up and to track back to the CardFellow proposal. The ePN Quickbooks integration add-on is a separate cost and a nominal amount per month.
From alan conkling, on Aug 07, 2014
It's great to know that someone who really knows the credit card business is watching out for my best interest. Also knowing that I am getting the best price I could possibly get any where which also saves me time not having to shop around for the best price. Thanks again, Alan Conkling
From Colin Jenkins, on Jul 28, 2014
I love being able to talk directly with the owner if I have to call - which isn't very often anyway.
From Harry Doyle, on Jul 28, 2014
From Cath, on Jul 17, 2014
Initially, it took 5-7 days for funds to post to my bank account. Just this week I am seeing a 2 day turnaround. It would be nice if the bank posting stated which batch was posting. Often my charges are the same amount from day-to-day and reconciling can be difficult when all the credits come through with a generic identification.View Processor's Feedback
From John Grouse, on Jul 14, 2014
Best credit card processor I have used in twenty years of business. Zero issues!
From Jaclyn Morse, on Jul 10, 2014
From Philip Risk, on Jun 09, 2014
From Rudolph, on May 16, 2014
Transitioning from our old merchant account provider to GDPay was made seamless, and despite being tardy in furnishing certain bits of information to them they were able to get us up and running within days. I appreciated the quick response time on inquiries, and the suite of features they were able to offer. I'm definitely saving money, and just as importantly I'm able to manage and integrate my payment processing easily into my accounting software. I pay less now, and am given the tools to do more.
From Scott, on May 12, 2014
Unlike verified reviews which are validated by CardFellow, web reviews can be submitted by anyone viewing this profile. While we validate these reviews as best we can, CardFellow does not verify that a reviewer is using or has used a processor's service.
Do you Know this processor? Write a review about it
Posted by Rick on Jun 27, 2018
Keep in mind that I do not have extensive experience with GDpay and that this review is only a reflection of my 35min phone interaction with Kevin today to inquire about getting on board with them. I asked about Global Payments Inc. (which they DBA as GDpay)'s security breach several years back and see how my client's information will be protected. I asked about the contracts that GDpay has with other companies and its hard inquiry on credit report during application process. Kevin's answer did not fully address my questions and often sounded rude. He pointed out that all the pricing here on CardFellow does not include virtual terminal fee. He then adjusted the quote leading to the higher rate. Their base % rate might be attractive but I am not sure if I am convinced they are of good customer service. Maybe there's other hidden things they did not let us know. For starters, I was informed by adding a virtual terminal, there's more monthly fee, batch fee, and per transaction fee. Who knows if their rate will be the same years down the road. Kevin ended the phone call passive aggressively by implying to me not to waste his time.
Posted by Lucifer on May 19, 2016
Just reviewed my first month's processing statement and my overall fees were a full percent less than my prior ”discount” processor. All is good, and deposits are prompt. I am happy with our decision to switch