Elavon Merchant Services Review 2019

By Lucy Crossfield | Editor

Founded in 1991 as NOVA Information Systems, Elavon is a payment service provider for merchants, specialising in the following vertical markets:

  • Airlines
  • Hospitality and entertainment
  • Restaurants
  • Retail
  • Healthcare
  • Public Sector and Education

Elavon’s mission is to make payment processing simple. It has more than 1 million customers and processes 3 billion transactions per year. The route to market is via resellers: customers deal with resellers directly.

Elavon Merchant Account ReviewRating
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Products and Services

Elavon offers a range of services for small businesses and global enterprises.

Small business solutions include:

Enterprise solutions include:

  • International Processing Platform and global payment solutions
  • Secure payment gateway
PDQ machinesCard reader which aceepts most major credit cards and offers dynamic currency conversion
MobileMerchantMobile payment solution with native app and mobile bluetooth card reader
Virtual terminalSolution for taking phone payments which supports recurring payments

Face To Face Card Processing

PDQ Machines

Elavon uses resellers to provide payment services to merchants by leasing terminals and charging transaction fees. Contracts are for four years.


  • Dynamic currency conversion (support for 48 different currencies)
  • 24×7 customer service, 365 days a year
  • Online reporting with iMerchantConnect
  • Funds cleared in 3 working days
  • Electronic gift cards available


Prices start at £12.50 a month for fixed terminals or £17.50 for mobile terminals plus transaction fees. Monthly fees can be higher depending on the contract offered by the reseller (£30 per month on average).


Elavon supports mobile payments via their own free app, MobileMerchant.

The app works with payment gateways Authorize.net and Zoomgate to process card transactions with a smartphone. This solution can be used in addition to an existing virtual terminal.

Card information can be either keyed-in manually or swiped using a chip & PIN card reader (manual inputting attracts higher transaction fees). This can be a good solution to take payments at peak seasons without the need to invest in additional infrastructure. Funds are cleared within 48 hours.


2.95% transaction fees, £25 one-time set up fee, card reader (Thyron PIN Pad) rental £10 + VAT per month or £99 rental upfront, no extra fees. There’s no minimum transaction volume required.

MOTO Payments

Elavon’s virtual terminal is called VirtualMerchant and is a hosted solution for face-to-face, mobile, telephone/call centre or e-commerce sales.


  • Allows to take payments on the go
  • A cheaper alternative to card terminals
  • Recurring and instalment payments are supported
  • The solution can also be integrated with the customer’s website for a more seamless customer experience
  • Fraud mitigation is built-in
  • Access management feature attributes specific user rights to prevent unauthorised users from accessing VirtualMerchant


Customer experiences tend to vary according to the reseller they deal with. Most common complaints are about poor customer service and the high cancellation fees, with further issues when terminating contracts (ie, returning terminals, cancelling direct debit instructions). Elavon must have taken these issues into consideration as the current Terms and Conditions do not include early termination fees.

Elavon is a well-established payment processing provider with a strong reputation. Customer experience may vary according to how the individual resellers manage the relationship. Elavon solutions are reasonably priced.

Next Steps

If you would like more information about Elavon merchant services, fill in this form and we will guide you through your purchase process with free quotes.

Lucy Crossfield Editor

Lucy has worked on Expert Market for over two years, helping the team deliver industry-leading expertise on business topics. She loves curating and creating great content, and feels most at home with a cupcake by her side.

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