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Uses Independent Resellers	Yes
Promotes Deceptive Rates	No
Discloses All Important Provisions

Elavon relies heavily upon resellers, sub-ISOs, independent agents, and partnerships to market and sell its credit card processing services. This marketing strategy is common among large merchant account providers and can often prove harmful to a company’s reputation, as it appears to have done for Elavon. Specifically, the company has received a large number of complaints related to undisclosed fees and leasing terms.One of the company’s most notable resellers is the grocer and retailer, Costco. In fact, Costco Merchant Services is often mistaken as its own credit card processing company when it is simply acting as a sales agent of Elavon. Merchants who use Costco Merchant Services often complain that they expected to receive the usual wholesale costs that Costco is known for, and that they were surprised when they encountered Elavon’s industry-standard pricing.Elavon itself does not appear to use any deceptive advertising or rate quoting tactics on its website. The company has recently added a pricing page that lists specific rate quotes, promising 2.65% plus $0.19 on swiped transactions and 3.5% plus $0.19 on keyed-in payments. These rates seem to apply to both credit card terminals and mobile processing. The company also lists a $10 monthly fee on this page. These rates and fees do not appear to be misleadingly quoted at this time.Most of Elavon’s accounts are established by resellers who use their own sales and marketing strategies. In a few cases, it is apparent that some of Elavon’s resellers are using misleading tactics based on reports from merchants. The company and its resellers are also notorious for signing merchants up for expensive, non-cancellable equipment leases through Ladco Leasing as part of their merchant services packages. Elavon usually enforces the terms of the lease agreement even when merchants claim that they were deceived by an agent.