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Pros / You aren't charged any setup fees with this processor.

Cons / It has the highest PCI-compliance fee of the companies we evaluated.

 Verdict / goEmerchant has high rates and fees and is less transparent than other online credit card processing companies.

goEmerchant is a credit card processor that provides you with the technology necessary to accept credit cards online. Options for mobile and traditional retail credit card processing are also available. goEmerchant uses tiered pricing. It doesn't require a long-term contract but charges high fees.

goEmerchant uses a tiered pricing plan. Debit card transactions have a rate of 1.99 percent, and credit card transactions range from 2.29 percent for qualified cards to 3.35 percent for non-qualified transactions. The debit rate and qualified credit rate are both on the high end of our review. All transactions have a $0.25 per-transaction fee. Tiered rates can be a good option for businesses that do a lot of debit card transactions, but goEmerchant's rate is one of the most expensive we reviewed.

This online payment processing company has high fees. It charges a monthly fee of $19.95, and while this isn't the most expensive fee on our list, it doesn't include gateway and PCI-compliance services the way the processors with high monthly fees typically do. You also have to pay a monthly gateway fee of $10 plus an additional $0.10 per transaction. Additionally, you're charged an annual PCI-compliance fee of $124.75, which is the most expensive of the 20 processors we reviewed.

We rate all of the online credit card processing companies we reviewed on their transparency and consistency, and goEmerchant received a score of 67 percent. It posts its terms and pricing on its website, but no information about its fees. In addition, our reviewers received contradictory information about fees and pricing when we contacted the company's representatives.

goEmerchant has excellent service terms and setup speeds as well as an easy application process. The application can be completed online and requires only minimal personal information such as a Social Security number or a voided check. It can take from one to two days for your account to be set up.

After you begin accepting credit cards online, it can clear the account and deposit funds in less than 48 hours. Both of these meet our benchmarks for a quality online credit card processing company. There's no long-term contract, so service with goEmerchant runs month to month. There's no cancellation fee, but you're required to submit a 30-day written notice if you terminate your service.

This online credit card processing company has excellent customer service. Our reviewers spoke to multiple reps on different days and at different times and received helpful, informed replies to our questions. goEmerchant provides its merchants with a dedicated account rep and offers 24/7 phone support for its customers.


goEmerchant has quick setup times and doesn't require a contract, but it has high fees, particularly its PCI compliance fee, which is the highest of the 20 companies we reviewed.

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