iPayment, Inc.

Review: in june of 2015 there was a problem with my credit card processing, I payments were to have refunded transaction by july 7 2015 they failed to do so, I payments tried to redebit my account to process the refunded which created bank charges & fees. which in turn cause my customers card issuer to demand payment which again cause nsf charges to to my account again. finally my customer was refunded on july 13 2015 twice. my complaint is that I payments failure to handle this matter within the time frame of the laws for refunds has cause a large problem for my business as I have had to hire a lawyer to try to get this matter resolved which is unresolved as of this day 9-14-2015Desired Settlement: I would like any & all processing fees & bank charges to be paid & the sum of $3122.58 refunded to my business or take the responsibility to make this matter corrected

Business

Response:

Hello, iPayment acknowledges the concern for the funds on hold. However, on 6/19/15 the business, Grover's Garage Inc., processed refunds and we were unable to debit $6,800.84 from the business checking's account. On 7/10/15 more refunds were processed totaling $2,917.67 and we were unable to debit the business checking's account to cover the refunds. With these (2) occurrences, the account had to be closed and a batch including the $3,122.58 must remain on hold to cover the losses from the rejects. Moreover, the processing fees and bank charges are on the Schedule of Fees on the application and can not be waived since they are used to process all sales and refunds. For escalated assistance, please call our Risk Department at 800-324-9825 option #5.

Review: Ipayment agent J[redacted] came to my store to recommend ipayment service.At that time, I had different processing company with FDGL leased terminal which has contract until 2016.J[redacted] - Ipaymnet agent - recommend using new terminal with smart chip ready (also from FDGL) and he told me he would cancel both old terminal account and old processing company account.He also promised he would pay early termination fee on old processing company.I told him about contract and he said there would be no contract for processing or terminal.I started using Ipayment processing service and new smartchip ready terminal he brought from March.After March, J[redacted] - Ipayment agent - never answer my phone calls and messages and never showed up.He didn't cancel either old processing account and old terminal account.I had to pay old processing company for 2 months fee and early termination fee that I didn't use their service. For old processing account, I had to cancel myself after I found out J[redacted] didn't cancel right away.As of today, August 25th, I still pays old terminal account because J[redacted] - Ipayment agent - didn't do proper documentation for canceling FDGL old terminal account.I contact FGDL and they told me I still have 2 terminal accounts and had to pay both contract has not been done and ONLY agent can cancel old account with proof of new terminal account set-up.I contacted Ipayment hundreds of times to solve this issue but over 6 months, they did not solve this issue or did not refund money that I had to pay due to Ipaymnet agent J[redacted] didn't finish proper documentation toward FDGL or Old Processing company.Desired Settlement: 1. cancel old FDGL terminal account right away2. refund paid amount for last 6 months for old terminal lease and other payment3. refund 2 months processing fees and early termination fee for old processing company.

Business

Response:

Hello. iPayment acknowledges the concern witht the equipment and the old processor. However, on the iPayment application, there are no addendums to the agreement showing the agent would cancel the previous processor. We will work to get this matter resolved if we have further supporting documentation of the agent to perform such duties. We are also working with our manager, C[redacted], to help rectify the issue. She is currently working on this matter.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10783913, and not like their respond, they actually refunded whole amount I requested. But I still need their documentation about promise refunding $106.32 every month until FDGL contact ends 2016 for old terminal Jay Sharp supposed to cancel in last March. If I get the right document, I will satisfy the result.

Regards,

M[redacted]

Review: I contacted Flagship Merchant Services - Ipayment Inc, out of Thousand Oaks, CA - in June of 2015 to get informaton on credit card processing for my fishing guide service web site. After working with a service rep named ** Baptista, I completed the application process only to have it all stall after learning of other technical "needs" on my end from my webmaster, such as an SSL certificate, software license and dedicated IP address. ** assured me that these were not all needed and was going to get with Flagship IT dept and have them contact me to clarify exactly what WAS and WAS NOT necessary. This never happened, I did not hear from anyone at Flagship from that point on. After trying to contact ** again, I received an email from "operations" telling me he was no longer with the organization and obviously, my concerns/account simply went un managed.Upon checking my bank statement online this week, I find 2 charges associated with this inactive/not operational credit card processing "system". Albeit not a lot of money - $7.95 & $19.95 fee's taken from my checking account - I was assured that I would not incur fee's until I was "up and running", which I now find out is not true.Desired Settlement: I would like both fee's returned to me and my account cancelled. I have not processed a penny through Flagship and don't intend to.

Business

Response:

Hello, iPayment acknowledges the concern for local businesses. Although e-mails and the merchant were signed by the principal, we would like to continue doing business with On The Fly Service Guide. We will credit the $19.95; however, the $7.95 is a debit which is handled by Authorize.Net. Please contact the gateway for any reimbursements and cancellation.

Review: The customer stated that iPayment was to send the card reader but never did so they could not have used the services. A month later iPayment started taking money out of the customer's bank account. The customer called iPayment to stop taking money out since they never received the equipment or used the services.Desired Settlement: The customer is asking the Revdex.com for assistance for attaining a refund and for iPayment to stop withdrawing money from their bank account.

Business

Response:

Hello,Thank you for sharing your concerns. I have reviewed this case thoroughly and this account is currently closed. The customer placed a stop payment on our fees. If at any point, the customer requested the account to be closed, we would had advised to send in a written request. The customer did enter an agreement for services which authorized our monthly charges. All fees assessed are in accordance with the agreement.To discuss the equipment issue. We have confirmation equipment was shipped and signed for based off the UPS tracking #1ZR078W[redacted]00 and UPS website. To date, the customer has not returned our equipment to us. The customer should contact the independent sales office, Merchant Account Solutions, to discuss returning the equipment.We do apologize you feel you have been overcharged, however we have fulfilled our side of the agreement and are not responsible for you choosing not to use the service or cancel within our required guidelines.Thank you.

Review: Ipayment is a merchant services company. They has had my money of 4200.00 for more then 2 weeks. When I signed up with their company I told them I was a horse broker. I think they just wanted to sign companies up for to get more money. Now they said that its against their policy for what I do for a living. I told them upfront. Well anyway they have 4200.00 of my money stating that they need to conform that the buyer has received their horses. They have received their horse on Friday April 17. 2015. They purchased the horses over 2 weeks ago. They need to give me my money ASAP. I should have read all the reviews regarding them. They are not a good company.Desired Settlement: Just want my money that they owe me!

Business

Response:

Hello,We are sorry your account had to be closed. The total funds held were $4039.40. We did release those funds once we verified the sales validity. At this time no funds remain in our system.Good luck to you in your future endeavors.

Review: I was shopping around for a credit card mobile processing device for my up and coming shop and eventually came across this business. ipaymentinc.com online. they eventually mailed me a device I no longer needed nor want so I called in immediately after receipt of the credit card terminal to return their device. I was told they would send me an empty box with prepaid postage to mail it back. I never received the empty box and to my surprise they charged me for a service I never used. Then when I contacted them again to figure out why I was being charged a rep named "Anthony Herrara" scolded me saying that he would not waive the fee and there is a cancellation fee of up to $500. I never signed a contract for this service plus I was led to believe my account will only be charged for equipment and transactions. They eventually waived the monthly fee but refuse to cancel my service because they want $500 in fees. plus this business goes by many different names one in particular is www.epnmobile.comDesired Settlement: I would like that company to allow me to return their equipment and to no be charged a fee I never agreed to.

Business

Response:

Hello. We understand your concern for returning the equipment. We have an address to return the equipment by calling ###-###-#### but we do not send return tags for the equipment. We are looking at the application for the merchant account, moreover, there is no cancellation fee. Please call ###-###-#### which is the independent sales office who handles the closure.

Consumer

Response:

Review: 10810205

I am rejecting this response because: I CONTACTED Anthony Herrara 9/17/15 and he still requires me to pay $545 and can not produce the contract he claims I signed. EPN is the merchant that supplies the car terminals and I requested to cancel the service it was processed. they also told me that there is no cancelation fees. Another rep from Merchant Services by the name of "Courtney" asked me to forward this complaint with the message from their company stating that there is no cancellation fee. She said I can not mail the equipment until they review the messages they sent to the Revdex.com. Having said all of that, I will not accept the response unless I have documentation that rectifies my complaint as far as the fee(s) dropped and also getting the ok to mail their equipment.

Regards,

A[redacted]

Business

Response:

Hello. iPayment recognizes the concern for a document as evidence for no cancellation fee to Fashion Sense. Please see the attached document showing no cancellation fee. (page 3 and highlighted) Moreover, please follow instructions to cancel at ###-###-#### to cancel and return the document.

Review: My company was closed in transaction since August. Ive been trying to close it since then but nobody told me that I need to file it and return the equipment but anyway I finally did it in October 15 and sent the machine as well. I received my month bill for October 1- 31 2015 for 44.99 and called them and asked why they have charged me for that. So they said 39.99 for being inactive and 5 for statement where ZERO transactions. I tried to call them to asked for refund but they said they cannot. From August till this date I am not anymore active and company was closed for being unsuccessful. This company has no pity with you. They said I will have bill again fro November. How come? Even you are not earning anymore money and business is closed, they doesnt care bcoz they only care only the money that they got from you. My bank is keep charging me for unsuffiecient funds bcoz of their charges. No Pity.Desired Settlement: refund my money back and stop charging me again.

Business

Response:

Hello, we have acknowledged your concern and have closed your merchant account effective 11/9/2015. We have issued a refund for October monthly fees totaling $44.99 and you should see that hit your bank account within a week. We have also refunded you $30 on 10/22/2015. You will not receive a bill for November.

Review: To whom it may concern,I signed my small business up with Flagship Merchants, Inc., who in turn uses iPayment to process credit card transactions. My first two (and only) transactions were processed and the funds were immediately held. First, I was told the issue would be reviewed after 90 days... it has been 90 days and they continue to hold over $1,900. Now they are reporting to me it will take 180-365 days for the funds to be released, and even then they will not guarantee my money will be released. This is endangering the well-being of my business. My transactions are 100% legitimate and I am continued to be denied access to the money that is rightfully owed to me. They are saying that the invoice with my customers was for a one-year contract, which is completely incorrect. I own a seasonal lawn care business and the contract with my customers was from April-September. Thank you,[redacted]Desired Settlement: I would like the funds that are owed to me to be released asap. This is reducing my cash flow and inhibiting my ability to purchase inventory/materials to provide services to my customers.

Business

Response:

Merchant, Frontier Horticultural Services, has funds on hold due to risk issues. Merchant went over the ticket limit of $1,000 - which raised a flag. On 4/10/15 merchant, Frontier Horticultural Servies, advised our Risk Representative a charge for $1,311.41 was for made for a 12 month contract. The orginal agreement states a merchant shall not go beyond 3 months of a contract for liability issues. The merchant then backtracked and stated it was for 7 months and did not want us to contact the card holder.

Consumer

Response:

Review: 10725091

I am rejecting this response because:I had never indicated the contract was for 12 months. I own a small seasonal lawn care business in New Jersey.... the contract is from March through September, which I have explained to iPayment on numerous occasions. Regardless, there is no mention of a contract's inability to exceed 3 months. I have attached the contract to this response. In response to the monetary amount exceeding the single transaction limit:While looking back I do see that there was a $1,000 cap on a single transaction, I did not remember this at the time. I understand iPayment's concern of this and need to investigate. However, it has now been over 90 days that they have been withholding over $1,900. One transaction for $1,311.41 and one for $623.82 (which should have never been withheld as it is within the acceptable parameters). There have been no complaints from my customers regarding the transactions, whom already paid for the services in April. I have had to pay NJ Sales Tax on these services, even though I have not received my rightfully owed payment. iPayment continues to give vague responses when asked when I will receive the money that is owed to me. There are nothing but awful reviews on Yelp, Consumer Affairs, and the Revdex.com itself (10 out of 11 customer reviews are negative). This is obviously a reoccurring problem and I am owed a specific answer of WHEN my money will be returned to me.

Regards,

Business

Response:

Hello,We acknowledge your concern with the funds being held to your account. The main reason funds are held is because iPayment is using it's funds to deposit into credit card merchant accounts. If a customer for any business chooses to dispute a transaction with a merchant, it creates a liability with iPayment's funds. To prevent any losses as for any business, we must take certain precautions from liabilities such as chargebacks. We acknowledge your concern. At this point in time unfortunately, the funds must remain on hold should a future cardholder dispute (chargeback) occurs.

Review: Our merchant account started last March 20, 2015 and was closed April 14, 2015. We are missing the amount paid by customers for April 13, 2015 transactions and the amount is $4969.47. This iPayment,Inc, Quick commerce and National Bankard are all connected companies and maybe same owner. Authorize.net is the main gateway for the Quick commerce. Like when there is a paid transaction or sale Authorize.net will be able to check if it went through to Quick commerce. We called the Authorize.net about the April 13, 2015 paid transaction and they were telling us that they transferred the $4,969.47 to iPayment,Inc. But iPayment DID NOT transfer the money to our account and telling us that the transaction never happened in the gateway. This Ipayment company has been holding money from our account of more than $32,000 since we open our merchant account with them and they even closed our account so that we can no longer log in and check all the paid transactions. Until now they DO NOT released any single centavo. They have very bad customer service, telling us different stories about what happened to our money and when we asked them more questions they yell and say bad words on us. Hope Business Bureau can help us to get all the missing money of $4,969.47 and the immediate release of our total paid transactions of more than $32,000 from Ipayment,Inc. Authorize.net Customer Support at ###-###-####Our Merchant Account Number is LAst 4 digit or our Business Tax I.D: 1477Our Email Address: [email protected] Settlement: We want this complaint be resolve by getting our money from Ipayment,Inc that they've been holding and the paid transactions that our missingYou can contact the Authorize.net for clarification of all the paid transaction that went through and was transferred to Ipayment, Inc. Here are the contact information:Authorize.net Customer Support ###-###-####Our Merchant Account Number is Our Business Tax I.D: Tax I.D: 1**7Our Email Address: [email protected] Phone Number ###-###-####

Business

Response:

Hello,To begin, this client has also filed case under #10636097 in May 2015. Client's claims of missing funds in the amount of $4969.47 would be innaccurate as we have explained on the phone with the client. Client is fully aware after phone conversations totaling at least 6 seperate calls, that the client had a customer dispute (chargeback) in the amount of $4879.99 on 4/13/15. Additionally, client will need to provide specifics to match the total quoted of $4969.47 as this does not match any transaction ledger in our system.As with the previous response to the case #10636097. This client posed a high risk to our business and his merchant account was closed. Client was running sales outside of the limits approved, selling products prohibited and received many large customer disputes (chargebacks).As this client has filed multiple cases under the same context, we request no further cases to be authorized on this merchant account/business as we have addressed the clients concerns.Thank you.

Business

Response:

Hello,The three transactions you have listed did not get captured. They did indeed get authorized, but as our Risk department closed your account they did not capture. Those authorizations were removed and funds were available again to your customers. Your customers bank/credit card statesments would not show those funds being captured.Thank you, this would be resolved now.

Consumer

Response:

Review: We received an email on 5/29 that a deposit of $1900 (from the service we pay them for) has been suspended. There is an additional charge from 5/21 for $1400 (same credit card charged) that still has not been deposited into our account. These credit card charges have been authorized and approved by the Director of Renovations at Kiawah Island Golf Resort. The charges have been deducted from the Kiawah Resort account but have not been deposited into our bank account. I would like to receive the payment that we are owed.Desired Settlement: I would like payment of money owed immediately.

Business

Response:

Hello,Upon review of this issue you have detailed, we find the funds you request have already been released for deposit. Our Risk department requested you to increase the approved limits for your account and this has been completed.The $1900.00 you request to receive has been released as of 6/5/15 in the amount of $1507.27 ($1900.00 minus monthly fees of $392.73). The second deposit you request of $1400.00 on 5/21/15 was in fact also released on normal time frames with no delay. This was deposited with two other transactions totaling a deposit of $1650.00 on 5/24/15.Upon completion of this review we will see this case as resolved as all funds have either been released or deposited as normally scheduled.Thank you.

Review: IN EARLY 2015 A CUSTOMER SERVICE REP FROM OUR CREDIT CARD SVCS PROVIDER, J[redacted], SPOKE WITH MY BOOKKEEPER, C[redacted], WITH REGARD TO OUR TERMINAL, WHICH WOULD NO LONGER BE COMPLIANT WITH INDUSTRY STANDARDS EFFECTIVE 10/1/2015. THE CONVERSATION WAS LEFT THAT C[redacted] WOULD CALL THEM BACK ONCE SHE SPOKE TO ME WITH REGARD TO OUR OPTIONS CONCERNING A NEW CONTRACT. I AM DEAF AND SHE HANDLES MOST OF THIS TYPE OF THING FOR ME BY PHONE, AS I AM UNABLE TO. IN THE MEANWHILE, WE WERE IN CONTACT WITH A FELLOW CHAMBER OF COMMERCE MEMBER TO SWITCH OUR SERVICES TO HIM. WE SIGNED SOME PAPERS WITH THE NEW COMPANY, BERKSHIRE MERCHANT SERVICES. UNANNOUNCED AND UNEXPECTEDLY, MERCHANT SERVICES SENT US THREE EMAILS ASKING US TO SIGN A CONTRACT FOR OUR NEW EQUIPMENT. SINCE WE WERE STARTED WITH BERKSHIRE MERCHANT SERVICES, I MISTAKENLY THOUGHT THE EMAILS WERE FROM THEM AND I SIGNED A ONE YEAR CONTRACT SO THAT OUR EQUIPMENT WOULD BE SENT TO US. C[redacted] IS IN MY OFFICE TWO DAYS PER WEEK AND I DID NOT WANT TO HAVE THE EQUIPMENT DELAYED. THE EMAILS ARRIVED THROUGH SOMETHING CALLED "DOCUSIGN" AND THE NAMED "COMPANY" WAS LISTED AS iPAYMENT, WHICH I ASSUMED WAS THE NEW COMPANY SINCE I NEVER HAD HEARD THAT COMPANY NAME USED BY MERCHANT SERVICES. C[redacted] IS NOT AUTHORIZED TO SIGN THE PAPERWORK FOR MY COMPANY; ONLY I, AS THE OWNER, AM ABLE TO SIGN LEGAL PAPERWORK. TO FURTHER ADD TO THE CONFUSION, THE ORIGINAL COMPANY NAME WAS "MERCHANT SERVICES" AND THE NEW COMPANY NAME IS "BERKSHIRE MERCHANT SERVICES." I WAS SURPRISED WHEN TWO SETS OF EQUIPMENT ARRIVED IN OUR OFFICE THAT WEEK. C[redacted] CALLED MERCHANT SERVICES AND EXPLAINED THE CONFUSION. WE ARRANGED TO SEND THE EQUIPMENT BACK AND DID SO. FOLLOWING THE CLOSURE OF OUR ACCOUNT WITH MERCHANT SERVICES, WE WERE CHARGED A $350 EARLY TERMINATION FEE. WE WERE ALSO CHARGED $100 FOR THE EQUIPMENT, WHICH TOOK SEVERAL PHONE CALLS AND OVER TWO MONTHS TO BE RETURNED TO US. THE $350 FEE WAS NEVER RETURNED TO US DESPITE MANY REQUESTS, EXPLAINING THE CONFUSION AND BAD TIMING AND MY MISUNDERSTANDINGDesired Settlement: BECAUSE OF THE EXTENUATING CIRCUMSTANCES, THE COINCIDENTAL TIMING OF THESE EMAILS FROM MERCHANT SVCS ARRIVING SHORTLY AFTER OUR INITIATING BUSINESS WITH BERKSHIRE MERCHANTS SVCS, STATING THE COMPANY NAME OF iPAYMENT, WHICH WAS UNBEKNOWNST TO US AS NOTHING IN THEIR PAPERWORK(MONTHLY STMTS, EMAILS, DEBITS AND CREDITS TO OUR BANK ACCT, ETC.)STATED THEIR NAME AS iPAYMENT SERVICES, BUT RATHER MERCHANT SVCS, CARDPAYMENT SOLUTIONS, OR BANKCARD, I AM REQUESTING A REFUND OF THE EARLY TERMINATION FEE $350

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10695940, and find that this resolution is satisfactory to me.

hank you so much for your help with resolving this issue. We are so pleased with the results. May we please keep this complaint open until our refund is received to be sure they follow through? We had to wait two months before our equipment charge was refunded and we would like to be certain that this is complete.

Regards,

R[redacted]

Business

Response:

Hello,We can certainly understand your concerns. We normally abide by our legal agreements which are signed, honoring all terms. As you did return the equipment and closed your account the same month as signing the addendum. We will honor the request and refund the $350.00 cancellation fee charged. You will see this deposited directly into your checking within a couple weeks.Good luck to you with your new processor.Thank you.

Poor Business Ethics and Practices!

We were paid $3800 via bankcard from a Bank of America’s customer on June 9, 2015. We also had another transaction totaling $4700 on that same business day. Ms. Adams, in risk management, contacted us on June 11, 2015 via email and telephone to request documentation in order to release the funds in three business days. We honored the request the same day. Three days later Ms. Adams informed us that she had a “hunch” that this transaction would be a risky one and advised me to refund the customer. We will not refund the customer because of a hunch and because it is a legitimate transaction.

Today we were told that $900 from a different customer would be released today, half of the $3800 will be released after 30 days and the remaining half after 90 days. This is unacceptable and we have no more use for this service effective immediately.

Review: I had contacted this company on a number of occasions to discuss with them that my business had was not operating in January 2015, shortly after I open an account with them. Mr E[redacted] at ###-###-####, he informed me that he would refund money that is taken out of my account until I can find a new location for my business, I informed him that I wanted to stop the account all together, because the company was taken more money out of my account than agreed. A coup;e of months had passed and the issue had got worse, I made a call to them again, this time I was put on a seasonal hold. Only 11 dollars was to be taken out of my account every month until I open a new location. That toke place in march 2015. The company still retrieve money out of my account even after that agreement was signed and given to them. In July 2015 44 dollars was taken from my account. When I spoke about it, I was told that it was a mistake and that I was not suppose to be on a seasonal hold. I also spoke with a lady name G[redacted] at ###-###-#### and K[redacted] at ###-###-####, all of them gave me misleading information and did not close my account when asked to do so. My company name is First Class Lounge & Restaurant.Desired Settlement: I would like for the 44 dollars to be refunded back to my account asap and my account to be closed asap.

Business

Response:

Hello, on behalf of iPayment, we apologize for the misunderstanding between the sales agent and your business. After reviewing the account, we noticed there was no request for cancellation in January, the time you claimed the business was not operational. Moreover, the agent ofice, Global Core Solutions, processed several refunds ($50.00 -6/23/15; $35.00 -4/23/15; $25.00 - 2/15/15). Because iPayment simply deposits the funds into the account and only allows your business to process credit cards, the cancellation is handled by the agent office, Global Core Solutions, whom First Class Ultra Lounge initially set up the account with. iPayment has contacted the agent office, Global Core Solutions, to cancel the account immediately and refund the month end fee of $44.00. Again, we apologize for the misunderstanding and will do our best to rectify the situation.

Consumer

Response:

Review: 10739995

I am rejecting this response because: This is the statement that was forwarded to Revdex.com "Hello, on behalf of iPayment, we apologize for the misunderstanding between the sales agent and your business. After reviewing the account, we noticed there was no request for cancellation in January, the time you claimed the business was not operational. Moreover, the agent ofice, Global Core Solutions, processed several refunds ($50.00 -6/23/15; $35.00 -4/23/15; $25.00 - 2/15/15). Because iPayment simply deposits the funds into the account and only allows your business to process credit cards, the cancellation is handled by the agent office, Global Core Solutions, whom First Class Ultra Lounge initially set up the account with. iPayment has contacted the agent office, Global Core Solutions, to cancel the account immediately and refund the month end fee of $44.00. Again, we apologize for the misunderstanding and will do our best to rectify the situation". THIS IS MY STATEMENT, the company turned around on Aug 3, 2015 and took $44 more dollars out of my account after they informed your company. I want to renew my complaint ASAP, this is not an honest company as far as I can tell. My companies name is First Class Lounge & Restaurant. My contact number is ###-###-####.

Regards,

A[redacted]

Business

Response:

Hello. After careful consideration with the Independent Sales Office, Global Core Solution, iPayment will leave First Class Ultra Lounge & Restaurant on a seasonal hold for $11.00 a month until the merchant is ready to process. iPayment will waive PCI fees and Annual Fees on behalf of Global Core Solutions. Once the account is ready to process, the merchant, Alfonzo, will reactivate the account with a $10.00 Statement Fee and Monthly Minimum. We acknowledge your concern and will be submitting $66.00 as a courtesy as well.

Review: Merchant Account Solutions (former Integrated Card Services) and iPayment IncI was in search of Credit Card Processing Company so that I can offer credit/debit card charges to my customer. Merchant Account Solutions sale person, Mr. L[redacted] called me and guided me to their website where I can submit online merchant account request. He guided me through all the steps, everything was so easy and I asked him about the rates and other service fees it might involve. Within a few days, I had my account open and was ready to start my business. A month later, I had a strange charges from Merchant Account Solutions to my business account. I called them to find out there were monthly account fee, and other fees that was not advertised in their website nor in the process of opening the account with them. I have never seen any contract nor form that stated all those fees. But they claimed that I have electrically signed the contract. Which, I only recall typing my name as the part of opening the account while Mr. Logan was guiding me to what to do. He failed to mention about fees that involves and never told me that I was signing the contract nor any documentation was presented while this process was carried out over the phone. I wanted to close my merchant account immediately, but they told me that I have signed 3 year contract with them and if I close the account today, early termination fee will be charged to my business account. This is a fraud. Either you keep the account nor close it, they have a system to get money out of your business.Desired Settlement: 1) Close my merchant account immediately2) iPayment Inc waives my penalty fee $545.00

Business

Response:

Hello,We are sorry to hear of the issues you experienced. Your merchant account has been closed on 5/15/15 and the cancellation fee has been waived.Good luck to you in your future endeavors.

Review: I have never called Merchant Account Solutions to inquire about their services. I was happy with my merchant account, INTUIT. But I had INTUIT on my tablet and needed to get it on my phone. INTUIT is a free service. They just charge 1.75% for card transactions. So I went into Play Store and did a search on Intuit go pay. The app showed up and I tried to install it. But it wouldnt work and said to call an 800 number. I called the number and told the gentleman that I was trying to install Intuit go pay. He said he would be happy to help and that they were the back end of Intuit. In fact I could bypass Intuit and save money by going straight through them. I said are you sure? You guarantee it is cheaper just going through you. What about Intuit? He again stated they were the back end of Intuit. He said I would be charged 4.95/month and less that 1% per transaction. That is the only charge he told me about. I told him I only did a few shows a year and that I was very seasonal and didnt use the credit card every month. He said that was ok. I was on the phone with him and opened my email. He immediately sent me something and told me to put my name on it and they would see if I qualified. I couldnt read everything it was so small. I told him well I guess I can read it later. He said yes I could. But after I put my name in everything went away. It didnt stay in the email. I kept asking them to send the contract but they never did. I saw that I was charged $32.90 for monthly service. I called customer service/billing and found out that is a monthly charge. I also found out I had a 3 yr contract and would have to pay $545 ETF. I signed up in good faith and wasn't told any truth. How is this even legal or cheaper than Intuit? How can they claim to be the backend of Intuit? How can they trick you to sign and not even give you a contract? How can they so boldly about monthly fees? I called and said I wanted to cancel and explained everything and Idaho is one of 13 states that have a Consumer Protection Law but C[redacted] wouldnt help and said they were in California.Desired Settlement: I want out of my contract without ETF

Business

Response:

Hello, we understand your concern with the merchant account and contract. Our records indicate the merchant, Stoney River, was set up initially with no cancellation fee. If the principal chooses to cancel the account, he or she would need to call ###-###-####.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10832595, and find that this resolution is satisfactory to me. I spoke with Anthony HerreraSenior Account Executive / Retention and he said the response sent to the Revdex.com did not come from his department and he would have to investigate. He did state that he would send the cancellation request since the Revdex.com was contacted. I called today and it hasn't been closed yet - they said it would take a few days. Will I have a recourse if they say they will close it but don't? They also said to send the card reader back so I hope it is taken care of. If not, I will complain again. I hope it is taken care of. Thank you so much.

Regards,

L[redacted]

Review: I was with national for four years processing over 300k. Earlier this year I open a online store and needed another Merchant Account. My online store has been growing and my volume was picking up. After a month National suspended my account without notice and 80% of my business came to a compete halt for a week and a half, employees did not get paid, all my bills were Late and customers did not receive there goods. My business checking account went negative and national held over 10k of funds, it took me another week to reach there risk department to get things resolved. Two Months Later June 2nd 2015 they closed both of my Merchant accounts without notice Holding over 6K of my funds they told me that I need to wait 6 Months to receive funds then again crippling my business, leaving my Business Checking and Savings Wiped out. Also my vendors in negative standing. I called the risk management Demanding answers and took them 4 days to respond. I dealt with a Juan Cortes and he count not give me any answers, I requested to speak to a supervisor who could not provide me with any information as well. I have customers ANGRY at my company giving us a bad name for service and leaving bad reviews on the internet.Desired Settlement: I need to funds that are being held so I can regain my customers confidence, pay my Bills and employees there hard earned money they deserve.

Business

Response:

Hello,We are sorry to hear about the issues you have experienced. To confirm, we do not have any funds held. To date, your merchant account has a balanced owed from two chargebacks (customer disputes) that we have had to pay back to the issuing bank. Your business is contractually obligated to pay for chargeback transactions. Currently your merchant account is $-790.22 from chargebacks we have covered. Any funds held have gone towards rejected items and fees which you were unable to pay.Additionally, we see you have spoken with our Risk department about this matter on 6/17/2015.Thank you.

Review: I was contacted by a representative of iPayment Inc, requesting that I meet with another of their representatives to go over my merchant processing agreement. They wanted the opportunity to win my business by showing me how they could save money. I was promised $100 to compensate me for my time when meeting with them, if they were unable to lower my credit card processing costs.I met with Sara Simms on our around April April 7th. She was unable to provide me an estimate on that date and requested that I give her time to review my existing Merchant Services Agreement. I agreed and she responded via e-mail on April 9th as follows:------------------------------------------------------------------------...⇄ Thu, Apr 9, 2015 at 10:13 AM, Sara [email protected] wrote:Hi [redacted],Thank you for taking the time to meet with me.After review of your statements, although our rates are significantly lower the cost of the terminal would increase your total monthly fees.Should you decide to add a terminal in the future, please do not hesitate to reach me.Sincerely,Sara SimmsIpayment/EMV Leasing###-###-####-------------------------------------------------------------...⇄ have made several attempts to request the $100 that was advertised to me; however, the only responses I have received were from Sara:April 9th - I have passed on your request to management and will be back in touch with details.April 20th - The best contact for this request is listed below: C[redacted] McAdams c[redacted]@icloud.com ###-###-####I e-mail C[redacted] on April 20th and have never received a response. I called C[redacted] on April 28th and left a voicemail. Again, I have received no response. I even submitted a contact us form on their website (I cannot recall the date), but I have not received a response to that either.Desired Settlement: I request the $100 advertised to me if the company was unable to save money on my credit card processing costs.

Business

Response:

Hello,I am sorry to hear of your issues so far. When you say the $100.00 was advertised, was that on the internet, TV, radio or anything other then the agent verbally offering $100.00? What sales office was [redacted] from? Was there a requirement that a merchant agreement must be made in order to earn the $100.00?Unfortunately, with the provided information, our corporate office cannot provide you with a $100.00 payment.

Consumer

Response:

Review: 10614243

I am rejecting this response because: This offer was not advertised on TV or the Internet; however, I did receive a phone call from a representative of this company offering me this promotion. I expect they honor it because I scheduled a meeting as described on good faith. Companies solicit promotions via telephone all of the time. Many times they are "phone only" offers and are not advertised on the internet or tv. If they do not honor this representative's offer, simply put they are guilty of false advertising. They have not denied that the representative works for them. I cannot tell you what office the rep worked out of. I have forwarded all e-mail communications, including phone numbers, so the company should be able to identify the representative in their personnel records. I do have a business card from Sara (the girl I physically met with) that provides the following details:

Review: hi,dear sir or [redacted] emailing u because I want to make a complain about the credit card processing service which I never use, I down load credit card processing system on my smart phone which was totally free and I was agree to pay 2.5% then next day I got call from merchant account solutions and I was told that I need to setup account on line I was busy I told the person call me back some other time then they keep calling me like 5to 6 times a day and want me to setup account on line after few days I finally answer the person who call me and I ask her again that this service is totally free and I told that person currently I m using squire they charge 2.75% and there is no monthly fee or any other fee,the person who call me told me there is no monthly fee or any fee just 2.5% on each transction and I told the person I m a cab driver I don't have a big compony and I was told don't worry you will not charge a dime unless you charge customer credit card and I told the person on phone that I don't know much about computer she said don't worry it is very easy I can help you, u can setup account with my help ill tell you what to do and I was agree I did what she said after few minutes I was told you setup your account we will send u swiper which I never received and I never use this service, after few weeks I recived the statement and I was charged 32.90 and I call this compony I spoke to the manager his name mr Anthony he said I m not removing this fee and I said please cancle this service then Anthony told me you sign 3years contract I was very surprised and he was very rude and use some very bed words n said cancelation fee is 565 dollars if u don't pay we will send this invoice to collection and your credit will messedup and also we will charge additional$25 for return transction I told him I m a cab driver cannot afford 32.90 for the service I don't want to use he said u don't know how to business that's why u r a cabbie,please help me I cannot afford to pay $32.90thank,sDesired Settlement: I just wants to cancle this service and don't want them to send this invoice to collection,I hope Revdex.com will help me and save me and others from scamers,thank you soo much,regardsMuhammed k khan

Business

Response:

Hello, we acknowledge your concern regarding cancellation. Our records indicate, the merchant, Khan Transportation, rejected our attempt to collect the month end fees and claims un-authorization. This result led to a cancellation on the account 9/28/15. Unfortunately, this result will not clear any collection balances as the fees are still valid.

Consumer

Response:

Review: 10832625

I am rejecting this response because:

Regards,

M[redacted] Hi, thanks for your help I reject this decision because I never know that this company will charge $32.90 because on their web site they didnt mansion that there is a monthly fee and also there is canceletion fee which is $545.00 why should anybody sign a contract for this service there is soo many same services totally free I didnt sign any contract the sales rep told me you have to setup account on line I told that person I m not a computer expert sales rep told me ill help you it will take only minute she was on phone with me and I did as she said I did not know she was lying to me and having me sign contract this compony is fraud all sales persons are lairs I call them and I asked for recorded conversation and signd contract they denaied to provide any proof that I accept any contract or accept any monthly fee I call them many times they are very unprofessionals and rude they are thef hunting innocent citizens they are scamers I am gonna take them to court I beleive this compony will be black list and will be guilty for Email fraud I allready made a complain to illinois state attorney office and I promisse Merchant Account Solutions will pay the for this fraud,

Review: ipayments sales rep R[redacted] went over my statements assured me my processing bill would be in the $400 to $500 including the $189 lease payment my bill this month is $1007.01 plus $189.90 lease. Have tried several times to contact company but no response at this time. Have also had a font problem on the credit card terminals that has not been resolved in a month. The card I have says 60 days free trial I can't get anyone to talk to me about getting out.Desired Settlement: Let me out of all contracts including the lease of equipment

Business

Response:

Hello. iPayment recognizes the concerns for small and medium sized business owners. On the application, we state the schedule of fees as well as our rates. We simply provide a rate and do not set flat fees per month as the fee will be based on a business' sales for each individual month. To cancel the account, please call 800-554-2777. Please provide supporting documentation to any addendum to the agreement as our records show there is a 3 year contract (attached). Moreover, iPayment does not handle the leasing equipment as the leasing company is a separate entity from the merchant service provider. Please contact your leasing company for cancellation instructions.

Review: After more than 20 years using I Payments inc. for credit card processing, the Bennington Center for the Arts, a 501c3 non profit Corp., cancelled the service last July (2014) due to interference with our art sales to customers and excessive fees. We then changed to East Commerce Solutions with excellent service, 50% lower fee rate and no interference with high end art sales.Despite the end of all amounts submitted to I Payments for processing, they continued to charge $44.95/month to our bank account. After 9 months of these fraudulent charges, our the Bank of Bennington alerted us that they were no longer processing our credit card receipts, which meant we had been overcharged $404.50.I immediately called and emailed 'Kathy" the I Payment agent, but she will not respond. This is simply a case of fraud. I can't understand how I Payments can have an A rating with the Revdex.com.Desired Settlement: We expect the $404.50 to be refunded to us.

Business

Response:

Hello,We are sorry to hear of the issues you have experienced in closing your account. Upon review of the notations in our systems, we see our customer service department spoke with you on 08/01/2014 regarding our closure procedures. At which point, you had refused to be transferred to the assigned agent about the closure procedures and then disconnected the call from our customer service representative. From there, we did not receive a call from you until 06/08/2015. We require proper written request to close an account and as we attempted to assist you in 2014 from which you disconnected the line, we are unable to refund the charges for our services. We have monthly costs which are not waived if you do not process any volume. in 08/01/2014 you were aware your account was still open and active and failed to provide the closure request we require.Thank you.

Consumer

Response:

Review: 10667220

I am rejecting this response because: I Payments was notified in a timely manner of our stopping using there services. Their attempt to avoid closure by setting up requirements to avoid timely closure is not an .acceptable requirement the very fact that no amounts were submitted to them for service, is ample testimony to underscore the closure. In my conversations with there agents, they kept requiring me to switch to other agents until they cut me off.I will be blogging their fraudulent billing for no service to all businesses represented in our Rotary Club and our non profit museum associations, as well as pointing out their excess costs of services compared to E Commerce solutions which we changed to.When you see the number of complaints against them, it confirms that an A rating by Revdex.com is a terrible mistake.

Regretfully, Dr. B[redacted], Chairman- Trustees The [redacted] Bennington Center for the Arts

B[redacted],chair

Business

Response:

Hello,I am sorry to hear of your frustrations. I must reiterate our customer service department spoke with you on 08/01/2014 regarding our closure procedures. You refused to be transferred and disconnected the line on your end, we did not hang up on you. From there, we did not receive a call from you until 06/08/2015. We attempted to assist you in 2014. We have monthly costs which are not waived if you do not process any volume. in 08/01/2014 you were aware your account was still open and active and failed to provide the closure request we require.We can only assist so much up until you are unwilling to complete the process with us.

Consumer

Response:

Review: 10667220

I am rejecting this response because: Their record of my notification of the termination of their services is just a self serving made up story.As we use an outside accounting service, we did not know of the continued billing of our bank until we were terminating the outside accountant.A legitimate firm would quickly refund these overcharges in good faith.If I Payments continues to stonewall our request for refund, I'll be sure to warn the several hundred small businesses in Vermont about using this predatory firm

Regretfully,

B[redacted],chair