Flagship Merchant Services

terrible. they should not be in business. they scam people the sales rep Casey B was in your face until you sign up once you signup good luck getting any help. This company is lousy and should be shut down. They STOLE 250 dollars from me and they said the charge is justified. Their company cost me almost $ 5000 in sales and when I cancel they charge a fee to deactivate the account. I hope the enjoy scamming people.

I signed up for merchant services with a rep named *** who explained all the fees to me. He advised me that I had to meet a minimum of $200 a month and would not be able to take transactions of $1000 or more at one time, which that's what it looks like the contract states. On or around 7/29 I received a phone call stating I needed to set up my account with *** to make sure everything was working so I could process payments. I was told to use my card and charge $5 and that the amount would be refunded back to that card, which never happened. As of today, there is still no answer to that situation. Then on 8/3 I had a charge of $9.07. I called *** and found out I had been charged for the $5 transaction, which I was very confused about. I was charged for a month of services that I didn't use. I contacted *** because I was constantly receiving emails from a company called *** and seen that was the company logo he had on his email. I asked him to called him and left a message and then sent an email on 8/9 asking for a call back, which I still haven't received. The other day, I realized I had several emails from *** and that one stated a service would be renewed and I would be charged $20. I never set up any services with ***. I called Flagship to cancel my account because of all the confusion and miscommunication between *** and Flagship or ***, I don't even know anymore. No one has even offered to refund the $9.07 that was charged to me for the month of July for a $5 transaction this company told me to process. Today, I had to call again because I was charged $41.92 on 9/2. Very confused since it should've been less. I spoke to *** who stated that I was charged $20.53 for not meeting the minimum discount of over $1200. According to ***, I only had to meet $200 a month. I never agreed to that, because of COVID business is very slow. I am a new business and have not made over $1000 yet, which I have proof. Not only that, but if that is the case, I would've been charge in August as well. Contract also states there's a $25 charge for it, not $20.53. Seems like some shady business practices to me. Also, I am still waiting for the last transaction to deposit to my bank account.

This company is a SCAM!!
They activated my new account and 2 days later closed!
WHAT? WHY?
And now put my money ($7K) on hold for 90 days!!!!
I am the one who is supporting family of 5 and it's pandemic ....
Lost my time, my business and my money!!!
The company is a SCAM!

I don't know how this company made it to any ranking websites where I was tricked into calling but they are VERY DECEPTIVE with their rates. The sales reps rush you through contract and add TONS OF EXTRA FEES they don't tell you about including annual fee, security bundle fee, monthly minimum fees, statement fee, annual debit fee, the list goes on. And their rates aren't even great either. On your statement they will sneak in a notice of NEW UPCOMING INCREASES IN FEES as if there weren't enough already, and then when you call to complain they said I could've OPTED OUT BY CALLING. This is no way to do business. The reps all sound miserable and are unwilling to help. When I said I want to cancel, they promised a refund of monthly minimum fees due to lack of business during pandemic and a month later I still haven't received it. Called them again and the new rep says the old rep has to deal with it and wouldn't process the refund. It's been 5 or so calls I've made to them that makes my blood boil. There are many companies out there that charge no fees and just a flat rate so if you're a small business consider *** or *** or even

On June 22, 2020 I discovered that Flagship Merchant services and their partner *** had taken a total so far to my findings of $2,188.80 directly taken from my bank account in the last 19 months without ever explaining why this money was taken and without first billing me or sending a receipt so I could discover that they were causing harm to me when pulling this money from my bank account. I discovered this when I contacted Flagship for an unrelated reason. An employee felt bad for me and told me that that they have been taking this money from me monthly because I was not PCI compliant.

Not in all of these 19 months was I informed of this. I only recently discovered that the only way I could track the money they took from me was to join an online website that I was also NEVER made aware of called *** .When I signed up for this website only then could I see that my money was taken. However when I tried to print these pages out to track the money trail they had taken from me I also discovered that this website section makes it impossible to print any of the needed data (Evidence) for my record of what I feel is an unmistakeable theft!

When I called both Flagship and *** they offered me three months of my money back but I refused and told them that because of their fraud I want all of my taken $2,188.80 back They laughed at me and ended the conversation. I then found and called the PCI department to end this theft. The PCI department asked me 5 simple verbal questions about how I operate my business with my customers data that took about two minutes and they then said you are now PCI compliant and they E-Mailed me a A small note as a certificate of validation that says I am now PCI compliant for the next year! I feel that this is a total scam and a tool to do exactly what they did to me which was to covertly and unjustly remove $2,188.80 directly from my bank account without informing me in any way! I am afraid that this amount may be even more than I can find.

There must be tens of thousands of others that are also being covertly drained of their hard earned money by this improperly operated PCI protocol because of Flagship Merchant Services and ***'s negligence to tell their customers what and why they are taking their money without informing them about what is going on and not telling their customers about where to find the money trail at ***. I want my money back in full as it should be and these people should be investigated and if found to be guilty, held responsible and prosecuted with proper justice applied for their actions of taking my money and most likely taking the money from possibly many thousands of their customers in this very same manor!

I had another merchant before Flagship and was attracted to their 'sales pitch' of lower transaction fees but I totally regret switching.. It was a total bait and switch! The sales rep fails to tell you that certain card transactions (i.e *** cards or business cards) have fees that can go as high as 10-12% and when I called about these fees I was told that the only way to get them lower was I was supposed to call in and 'request' that they be lowered. Are you kidding me? Why weren't they just the promised low rate to begin with? I was being ripped off for a good year before I discovered I was paying almost 10% average to them. Also they took out a whole bunch of random 'maintenance' fees that made no sense. Finally, when I was fed up and cancelled with them, they closed my authorize.net account and removed all access from my online portal so I couldn't find my tax or transaction information. Please don't use these guys- they are horrible at communication and customer service. Honestly, you're better off with ***.

Terrible customer service. Wasted 2 weeks of my time applying for their service. I work for an MSP and I was shopping around for a new Merchant company. I spoke with a customer service representative at Flagship Merchant Services, and told him what I was looking for,He asked the, type of company, monthly sales, etc. He gave me a quote. I contacted him a couple of days later, said I was ready to do business, said he'll call me back. Spoke with him, filled out a Merchant Payment Card Agreement online". Said he'll contact me in a couple of days. Emailed him 5 days later, no answer. Called him a couple of times until I was able to get a hold of him, said my company was not approved for service, asked why, said he didn't know, management does't give them reasons. Called today to speak with somebody else, first person told me they don't do business with technology companies, and hung up, second person said the same thing, I asked why did they waste my time for two weeks and making me fill out an agreement, where I provided private company information, they just apologized. I don't know how this company has such great ratings, I ONLY GAVE THEM ONE STAR BECAUSE THIS PAGE ASKED TO PROVIDE ONE BEFORE THEY COULD POST MY REVIEW.

Gave them all of the info up front then they decided they didn't like my business and declined my application. Not a big deal except the sales rep wouldn't return my numerous calls and emails. I had to find another rep and he told me the application was declined.

Very unprofessional. I wouldn't refer these guys to anyone. Do yourself a favor and go to a real company not these jokers.

I have been trying to close an account with this company for 6 months. They have processed my business credit card payment transactions for a number of years. They have been very shady in all there business dealings especially fees on the account. They continually add hidden fees and charges and you have to call every month and ask for them to remove the additonal fees or they consider that your agreement to the additional fees. In October 1st of 2019 my terminal stopped tacking transactions. I called the company and they said I had to upgrade my equipment and software or I could not accept payments. I told them I wanted to close the account instead. they put me on a 2 hour hold and never came back. I made at least a dozen phone calls over the next few weeks trying to close the account. Every time I got put on hold and transfered and hung up on and could never get anyone to close the account. In November I logged in on line and sent in a service request in writing logged into my account asking them to close the account. they never responded. I made numerous phone calls over the next few months always being put on hold and never reaching anyone that could close the account. meanwhile they keep charging me monthly inactivity fees and non compliance fees. totaling $600 in the last 5 months. They electronically deduct this from my checking account. This week I finally got someone to say they can close the account and they had to send me a form to sign. I singed the form and the rep sent it back saying my signature does not match and she cant close the account. I am the only person on this account, and I am the only one to have a signature. She keeps emailing me back saying my signature does not match the esignature that I did when the account was opened. But she has my actual signature on their authorization to close account form and she is still refusing to close my account. Meanwhile they keep charging me $145 a month in account fees. I want my account closed out and I want my fees for the last 6 month reimbursed. I have not used this account since Oct 1st 2019 since they would not allow me to take payments or use the account. This company has been an absolute nightmare to work with and are compete crooks.

Opened account in December 2019, was sent equipment that did not work, after giving them 2 weeks to fix the problem they did not, I requested to close my account, I sent closure forms to them on 12/23/19, on 02/03/20 I noticed they took two separate withdrawals $107.85, and $157.80, I called again and sent two new closure forms on 02/19/20, on 2/27/20 they took $495.00, I put a stop payment on all of the withdrawals. They problem is after my original contact with Flagship they set me up with different companies, Flagship stopped returning emails and phone calls. I have spent a lot of time trying to figure out who to deal with to close these accounts and keep running into dead ends.

This company is a SCAM. I canceled my service in December of 2017 with the provided form via email, and it turns out they CONTINUE TO WITHDRAW SERVICE FEES FOR A SERVICE THAT I AM NOT USING ANY LONGER AT MY BUSINESS. You can NEVER speak with anyone. When you call you are directed to being put on HOLD. I have contacted my lawyer, and will continue to make the public aware of this shady company. COMPLETE SCAM ARTISTS! BEWARE OF FLAGSHIP MERCHANT SERVICES.

I opened an account with Flagship Merchant Services and they sent me a terminal. A little while later my terminal was stolen. I informed Flagship Merchant Services about the situation. For my protection, the Risk department closed my account and restructured it to a new account. Flagship Merchant Services never provided me the new account information and never sent a replacement for the stolen terminal. Without a terminal I was not able to receive service from Flagship, and charge my costumers . Flagship Merchant Services continued to charge me every month, for three years, a penalty, for not using their services. It has been extremely difficult to reach their costumer service department, I have spent countless hours on phone and finally I was able to close my account.

This company is the worst, I used their card reader ONE TIME, realized it was not something I was going to need so I sent it back and closed my account. TWO YEARS later this July they charged me $130 for "June" as my account was still "active". I never received a notice and their customer service was NO help and TERRIBLE attitudes.

We sent Flagship Merchant Services a closure form on 6/14/19 (we have a copy of this document and the email). On this form we did not indicate the reason for closing the account. They said they had to have a reason (not sure that they can legally demand a reason in order to close the account). We faxed them another closure form on 9/9/19. We did put the reason for closing on that form.

On 9/19/19 I called. They said they received the closure form on June 14 but did not accept it because there was no reason for the closure indicated on the form. They said they did not receive the form faxed to them on 9/9/19. I told them that I had a copy of the form from June but that I did not have access to the one that was faxed. I told them we did not indicate the reason for closing on the June form because you felt it was none of their business and I felt it was unreasonable for them to require that. They agreed to accept the June form if I could send it again, which I did. They told me we would be sent a confirmation email within the next few days and any fees charged during processing of the closure would be reimbursed. Reference number for that call was ***. I did not receive an email.

On 10/7/19 I called again. They told me that the account was closed. I asked for an email to confirm that the account was closed and the person told me that they would send it that day. The reference # for that call was ***. No email was received.

On 10/15/19 I called again. I requested a call back due to long wait times. I was immediately disconnected from the call back service twice. The third time I got a call back I was not disconnected but no one responded when I answered and after saying hello numerous time I finally hung up. I then sent an email explaining what happened and that I wanted the confirmation email. I included the reference # from 10/7/19 in the email. I received no response.

What we have been charged since our initial closure form was sent on June 14, 2019:
• 7/2/19 $100.95
• 7/22/19 $19.95
• 8/01/19 $100.95
• 8/20/19 $19.95
• 9/3/19 $115.94
• 9/20/19 $19.95
• 10/22/19 $19.95
• Total $397.72 (these charges were automatically deducted from our business bank account)

Note that the last two charges were after they said they would close the account and the last charge was after they said the account was closed. We have received no confirmation of the closure and no reimbursements to this date. I feel that had no right to refuse to accept our June 14th closure form just because it did not have a reason for the closure. I feel we should be reimbursed for the entire $397.72. I feel they need to send us written confirmation of the closure because I do not trust them with just a verbal confirmation of the closure. This company’s customer service is very poor.

I have been trying for weeks to cancel my account with Flagship. They have THE worst customer service imaginable. As soon as I tell them why I am calling, they either put me on hold, tell me theyre transferring me to someone else and then I'm on hold for a person that never answers, (at least 45-60 min) or they completely disconnect the call. They are continuing to charge my account and it's absolutely ridiculous. Over the years , multiple times I have wanted to leave the company but they make it impossible. They have never done anything I have ever needed them to resolve, such as an address change twice, phone number change twice, and Business name change! they are absolutely neglectful. I will soon have to pursue legal action at this point

We were quoted a $4.95/month Customer Service /Online Report Fee plus interchange pass-through plus mark-up rates. What were not communicated are the $10.00 monthly minimum balance requirement and the PCI Non-Compliance fee of $30.00. Adding these two fees would have changed the monthly rate structure to $44.95/month and cause me to choose a different merchant service provider for our low volume home business.
Lastly my Sales agent told me and listed in his email in bold font “***MONTH-TO-MONTH AGREEMENT! – NO CANCELLATION FEES!” But now I am being told when I tried to close my account that my agreement is for a three (3) year term and “will automatically renew for additional three (3) year periods, unless terminated by any party upon written notice at least thirty (30) days prior to the end of then existing Term…” I am also being asked to pay $495 early termination fee. This is obviously false advertising and deceptive practice of burying terms such as the above in the fine print of 23 page contract. Buyers beware!!

merchant service fee overcharged

Below conversation is me and agent ***
Senior Account Representative, Direct Sales
*** emails, she stated only one $7, highest rate Amex: 2.78%
And no device fee, anytime cancel. but the first month they charged almost 5%

and the employee"***" doesn't return call or response, avoiding me, very bad attitude

So please adjust my rate and refund last month statement

I had a catastrophic fire at my business back in July. In August I had called to get my service cancelled with this provider. I Had waited on hold for at least 45 minutes then transferred for another 45 minutes finally told that the person who handles the cancellations was unavailable but my information would be given to get cancelled. I asked the rep what else was needed and she said all the verification was completed and that my account would be cancelled. Now I am another 2 months later and teh account is still not cancelled. My bank is billing billed monthly fees that are outrageous for a service not being used. I have been a customer for 5 years. I called back today twice. The first time I waited 45 minutes and was hung up on. The second time I was transferred to customer service who then said I needed to go to another department. I was then transferred a third time and hung up on after 26 minutes.

I signed up with Flagship Merchant Services and was told of the credit card processing fees and a monthly customer service fee of $4.95, and my equipment was free. I get charged almost $400 for the equipment of which I put a stop pay on that cost me $35. Then, I get an unknown charge from *** for $25 - equipment never activated and I had/have no clue how I got involved with ***. I also have a charge of $17.95 that I don't know what it is for. I have been on hold for over an hour and yesterday I left my callback number to not "lose my place in the queue" and have not heard a word. Now I just received a call from *** TO ACTIVATE THE EQUIPMENT and when told I was trying to cancel and if he could assist he said "Thanks" and hung up.

We've been having problems running debit cards on the credit card terminal supplied by Flagship to our retail store for 2 weeks now. We've called technical support multiple times and have spent hours on hold. Each time we are walked through a different download or upload or reboot. Each time they claim the problem is solved but our problems seem to get worse. Now certain transactions are being billed to our customers twice - once as credit and once as debit. Now they're saying it's because we're running the cards incorrectly though we've been in business for over 13 years and have never had this problem before. How can there be nothing wrong when batch reports don't print (despite 3 calls to fix that problem) and deposits to our account don't coincide with the amounts captured at the terminal? Clearly something is wrong and they're giving us the runaround and refusing to accept responsibility.