Payza

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

 I still am waiting for my withdrawal to hit my account and still havent gotten a response from them as to why it hasnt hit my account. 
I am in the danger of losing my car at this time due to not getting my withdrawal in a timely fashion. And not to mention the late fees I have incurred due to not getting my withdrawal it is now been 3 weeks. 
Thanks [redacted]
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

safe way for receiving payment from payza,I have received 2000$ & they have charge only 2.9% +30, & I also got benefit for holding an amount in it as USD rates goes up.
great to use

Hello [redacted],Thank you for contacting us about your withdrawal.It appears that your withdrawal was not processed as we are missing some verification information. Having this information enhances the security of our network and maintains our compliance with anti-money laundering...

and anti-terrorist funding legislation.We changed the status of your transaction to declined and your funds (including the fee) have been returned to your Payza account.Please update the SSN information in your Payza account. Once successful, initiate another withdrawal of your funds.Should you require any further assistance please contact us again.Regards,Karleen J

Dear [redacted], We appreciate the opportunity to respond to your complaint. After a review of your account our records indicate that everything is in order and done in accordance with our agreement. To clarify further, once your website has been reviewed you were allowed...

to transact with an understanding that 10% of your balance will be placed as on hold as weekly reserve. Below is a copy of the email sent to you at the time of your website approval: "Please note that due to the specific industry you are involved in, we are obliged to place a weekly reserve on your transaction volume. The reserve applied will be 10% of your weekly sales and will be released automatically after 6 months. Please understand that reserves are put in place to ensure that your Payza account is protected from chargebacks and reversal requests as part of the risk mitigation procedure." This was all clearly explained in detail so we are unsure where the "25%" and "85%" of your funds numbers came from that you mentioned. The remainder of the funds that is placed on hold is due to an increasing number of disputes you have been receiving lately. Each time a client disputes their payment made, that transaction is placed on a temporary hold until the dispute in question has been concluded. It is your responsibility as the seller to assist those clients and ensure their satisfaction. If you are unable to resolve their issue and refuse to issue a refund, you must ensure to present factual proof indicating delivery of the goods/service paid for. It is only with such supporting proof we are able to deny a refund request and this is done in accordance with our User Agreement and good ethical business practice. Simply referring to your "No Refund" policy and demanding all to abide by it while violating our User Agreement is considered poor business practice. In accordance with our User Agreement the following is stipulated: 6.6 Responsibility of the Seller "It is the responsibility of the seller to outline their Refund Policy and Terms of Service (TOS) to the customer. The seller must deliver the product and/or service to the customer as stated in the seller's TOS at the time of purchase. If the product and/or service is not delivered as stated in the seller's TOS, Payza's User Agreement will be used in lieu of the seller's."We kindly ask that you handle all of your customer disputes filed against your business in our Resolution Center, to ensure the best possible service to your customers is achieved.Thank you,Payza Support

Hello [redacted], This is Alexander, the supervisor from Payza you've been speaking with today. I also correspond on behalf of our Customer ExperienceTeam. It's a pleasure to speak with you again.While we were hoping to resolve the matter with you personally, we'd...

be glad to clarify our stance on the issues you've brought up once more.Firstly, as for the unavailability of bank transferwithdrawals for US members for reasons beyond our control, we have advisedmembers that this is a temporary situation which we have been working torectify. Members are not obliged to withdraw using either the credit card or Bitcoin options currently available; they're simply options. If you'd prefer not to make use of the options currently at your disposal, there is still the option to wait until the bank transfer option has been reinstated.Regrettably, the cost of such transactions is largely influenced by the cost our partners set for the transaction. Unfortunately, if the fee is an unfavorable amount in relation to the sum you're requesting to withdraw, it should go without saying that there is no contesting these fees since they're charged by a third-party. The 8$ fee is a fixed rate for any amount admissible for withdrawal, so while someone who is withdrawing $16 may find this is a hefty amount, another withdrawing $1600 would consider this relatively infinitesimal.Now, as for the contacts, I’m pleased to say I’ve found you to be the picture of cordial and respectful communication with myself. Sadly,the word “polite” wouldn’t be on the top of a list of words one would use to describe your conduct when speaking with our advisors on chat. Since we’ve already discussed this at length, dissecting your correspondence will prove to be of little value to you, but for the sake of the mediator, I’ve included a copy of that first correspondence you’ve cited below. Let the record show that All 3 of the correspondences you had with our chat support on the 29th of September that you’re referring to, began and concluded within a 15 minute time span. The first contact is as follows:[redacted] [redacted]
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[redacted] [redacted] [redacted] [redacted] In light of the previous, one must concede that you did, in fact, ask the question several times. Three times within two minutes to be exact (12:25-12:26). However, you had also stated that the agent failed to answer your question, but we don’t believe this is the case. Rather, you hadn’t afforded them the opportunity to reply to your question. While you can come into a chat with your questions prepared, agents may have to respond to hundreds of contacts within their shift. Consequently, agents are encouraged to make sure they understand your question before replying. Which is precisely what the agent tried to do (See Vishals’ first entry at 12:27). Unfortunately, you refused to cooperate with the agent inyour lengthy 3 minute history together, so we’ll never be able to say with certainty how this would have worked out if you had actually communicated the agent. Since you cite frequently the gross disrespect with which our team treatedyou, let the record also show that the agent was simply doing their job as expected, until you actually began using profanity and insults, calling our advisor a “[redacted](asterisks ours). You also state that the advisor denied you a supervisor,which is not the case, as the record shows yet again. The advisor had informed you that a supervisor was not available. Something not being available and something being denied you are two different things. As mentioned in our emails earlier, had you waited a short while longer, our agents are trained to provide you with an estimate as to when a supervisor will be available as well as thebest channel to reach them. Since you had left within the same minute of receiving their initial notice however, you couldn’t have known that. Rest assured, though, they did report your request and as of this morning, you havebeen getting the undivided attention of a supervisor.When I emailed you earlier, you said of the advisors behavior: “If you don't consider that abusive, then there's something wrong with you”. By that logic, something must be wrong with me, but I imagine that’s why you’ve taken up the matter with a mediator.After reviewing your statements made here with the Revdex.com andreviewing your chat with the second agent, I must concur with your description of events. Unfortunately, if the first agent didn’t deserve your abuse, the second didn’t deserve it anymore. Please read the second chat below:
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[redacted] [redacted] [redacted] [redacted]I would have been convinced that you were having some kind of technical issue with your keyboard if it weren’t for your pre-pseudo-shouting-match countdown. It can only be assumed you were showcasing your politenessand copy-pasting skills over the arc of this communication. Of course, it’s common knowledge that a dialogue involves an interchange of information between two individuals, not one barraging the other with the same question, leaving them no room to breathe, hoping for an answer and shouting at them before they try to get a foothold in a situation that already seems like it’s gone horribly awry.There’s very little to say as to the content of this chat since, frankly, there’s very little content. I can only imagine the relief the advisor must have felt as the chat disconnected. But the respite was short-lived, since you returned less than a minute later, to speak with the same advisor. Let’s take a look at how that went.
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[redacted] [redacted] While you’ve stated, that it was us who caused you to get angry, I understand that this is subjective to the individual, but I can’t find where the first advisor caused you to get as angry as you did, even for such a minor misunderstanding on their end, or why the second agent you spoke with wasn’t worthy of getting a clean slate with you. You can’t expect an agent to be able to go back and check the chat history had with another agent when you’re in and out of a chat in less than a minute.Consequently, while we’ve apologized for whatever may have summoned such vitriolic fury from within you, I’m remiss to say once more,politeness was not a quality that was displayed through these communications very long, if at all. When I read your emails this morning, I have to admit, I felt whichever advisor could cause you to feel this way surely would require some form of reprimand. As I read the conversations you had with them, those feelings soon began to ring hollow. Naturally, after subjecting our agents and support staff to libel, verbal abuse, including profanity and insults despite several warnings and abusing our service itself, our user agreement gave me ample grounds to suspend your account.The section relating to your actions can be found in section 7.2, “Acceptable Use and Activities Not Allowed-Activities Not Allowed”. You can consult our user agreement at the following address: [redacted]“[…]The following activities are also not allowed through orin relation to Payza:[…]• Any defamatory, trade libelous, unlawfully threatening orharassing statements or informationThis is also stated in the opening section of our useragreement, Section 1.1, “Warranties-Eligibility”( https://www.payza.com/legal#eligibility):“[…] •You will refrain from using abusive and vulgarlanguage with Payza employees, whether through email, phone or live chatsupport. Abusive conduct will not be tolerated and will result in accounttermination.”This same user agreement also outlines the consequences for violating this user agreement in black and what, in section 9.1 and 9.2 “Closing Accounts and Limiting Account Access-Activities resulting in Account Limitationand Termination” and “Closing Accounts and Limiting Account Access-Actions Resulting From Engagement in Restricted or Prohibited Activities”, collectively ([redacted]):“[…]Payza reserves the right to limit account access orwithdrawals and the right to terminate this Agreement with no prior notice forany of the following: […]•Violating this User Agreement in any way[…]If we have reason to believe or suspect that you have engaged or plan on engaging in any restricted or prohibited activities, we may take various actions to protect Payza, other users or you from reversals, chargebacks, claims, fees, fines, penalties and any other activity that may render Payza liable. The actions we may take include but are not limited to the following:[…]•We may close, suspend or limit your access to your Payzaaccount (such as limiting access to any of your payment methods and/or yourability to send money, make withdrawals or remove financial Information);•We may contact buyers who have purchased goods or servicesfrom you, contact your bank or credit card issuer and/or warn other users, lawenforcement or impacted third parties of your actions;[…]•We may refuse to provide the Payza services to you in thefuture;•We may hold your funds for up to 180 days if reasonablyneeded to protect against the risk of liability;[…]•We may take legal action against you.”Initially, all of these applied to your case apart from the legal action option. You, on the other hand, weren’t shy about threatening to pursue us with legal action if we didn’t see to release the $16 dollars in your account, saying we were holding your funds illegally, when by your very opening a Payza account you had consented to the legally binding contract which allows us to do so. We had also advised you that pursuing legal action was unwise for the following reasons:•1 Threatening legal action is punishable by suspension ofyour account. Not a problem, that was already taken care of.•2 Threatening legal action for a contract that you are inviolation of is not a very powerful argument•3 Threatening legal action against a company that you haveslandered and verbally abused is a bit like losing the leg you had to stand on,as a figure of speech.But you went on continuing to threaten us (Note to the mediator: I understand this is getting a bit long on the tooth, I’ll include a copy of my email conversation with the client for your reference) with lawsuits and the like. Concluding that you weren’t willing to abide by our request for you to wait the stipulated time frame, we decided to invoke our right to deny you service and have returned the 16$ in your account to the sender. Respectfully,Payza no longer wishes to have any dealings with you. Please contact the sender and ask them to send your funds through some alternate method. We don’t imagine this should be difficult, you seem to have already expressed preference for at least one other.Our summary of the matter is that although you’ve been a client of ours for over two years, you’ve only done your first transaction with us two days ago and have already proven to be non-compliant and abusive. Disregarding our user agreement, these are serious legal offenses and violations of basic human rights. We do hope this message finds you well and serves as plentiful evidence to exonerate Payza of your claims.Best regards,Alexander

Just heard that they are going to launch their domestic process too. Awaiting to use it! Their transaction history are clear and I am satisfied with Payza.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has not yet been resolved. If Payza is having a problem with a banking partner, it would be logical to CHANGE banking partners!
Sincerely,
[redacted]

Hi [redacted], My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction Team.From consulting your Payza account, I've noted that your funds have been put on hold for security purposes as part of our review process for withdrawals. Having recently...

initiated your first withdrawal from Payza, your funds were subject to such a review, whereupon it was noted that you had failed to comply with a request for some documentation related to the funds. In order to allow for the release of your funds, we humbly request that you reply to the email sent out on March [redacted], 2016, associated with ticket ID [redacted]. Once you have complied with the request and have received clearance, you may initiate your transaction again. Should you no longer have the email, please reply here and I will have the appropriate department re-send the email.I hope I've been able to clear up any questions you might've had. If you have any further concerns, please let me know in your reply; I'd be glad to help you out.Sincerely,AlexanderPayza.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
 Hello [redacted],
 
Thanks for your response.
 
However, if I being still an innocent person in this transaction have had to incur a loss due to the sender being a fraudster, I have a request to you to either choose to charge the sender (or take the necessary legal action against him and recover the funds that were taken from the source by him) and possibly make his account negative (charge him $165 and refund me my money as that was my hard-earned money, else if this is not possible or is against the practises of Payza, I would like that the amount of $115 of the transaction ID: [redacted] which was reversed due to the consequences be sent back to the receiver s that's an amount I owed the receiver. Due to this reversal, I don't want the receiver to lose his money due to a transaction that unfortunately I was involved in and my account being negative can have the said amount $115 be added making me owe Payza $145.24. It's a sincere request to you if you consider me an honest user as I have always been a sincere member of Payza and have had no issues earlier. I earn $30-$50 per month and hence this amount is a huge loss for me. If it's possible, kindly let me know.
 
I also hope to use Payza again for transactions in future as Payza has always been the best payment processor for me. Kindly hear me and help me.
 
 
 
 
 
 
 
 
[redacted]
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Hi [redacted],My name is Alexander and I'm contacting you on behalf of Payzas' Customer Satisfaction department.Unfortunately, due to the sensitive and in-depth nature of your accounts' status and the public nature of the Revdex.com, we will not be able to discuss this issue through this...

forum. We can advise you to continue consulting with our security team since we note that you have ongoing contact with them. You had mentioned that you were seeking information as to contacting our legal department, the best way we can advise you to do so, as well as to obtain any information regarding to other forms of contact appropriate to your circumstances, please write us at the following email address explaining your inquiry:[redacted]Otherwise, as regards the funds on hold in your account, it was explained in previous contacts that these funds were seized by the US department of justice due to some issues an unaffiliated partner of ours was experiencing at the time. Consequently, all of their assets have been frozen and the only way for the rightful owners (you and all other US members affected by this issue to collect their funds, is through the USDoJ. In order to remain compliant with the DoJ and yet remain transparent with our members, we were forced to relinquish the funds that were processed through this partner, yet we still display in a separate section on members' balances the amount that is being held by the DoJ.If the DoJ is not replying to your emails just yet, we do note that they are dealing with these cases on an individual basis and that it may take some time for them to resolve each and every one. Unfortunately, as you might imagine, we have no authority over their operations and as such we cannot provide a time frame as to when your case will be handled. The only thing we can advise is to keep in contact with them in hopes that they will resolve the matter shortly.I hope this offers some clarification to your queries.Warm regards,AlexanderPayza.com

Hi [redacted],
Thanks for contacting us. My name is [redacted] and I'm contacting you on behalf of Payza's Quality Assurance team.
Firstly, let me start by thanking you for helping us to improve our customer service by raising your concerns to us!
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I'm sorry that we were unable to resolve your issue to date. From our reports, it seems that you're referring to the funds that have recently been debited from your Payza account on June [redacted] 2014, with reference number [redacted]. I apologize for the less than stellar experience you may have had because of this.
It's worth noting that although your funds have only recently been seized, which will be explained shortly, that your account was only unattainable for approximately 6 months, as opposed to the 12 that you had conjectured in your initial correspondence. Consulting your Payza account shows that there was activity as recent as November [redacted] 2013. From then up until the [redacted] of June 2014, while a long time in itself, is substantially less than a year.
As for the reason of the seizure of your funds, this is related to the reason Payza had to cease operations in the US temporarily, which you may already be familiar with. 
In order to transmit money in the U.S. and adhere to state and federal regulations, Payza entered into an agency agreement with [redacted], a licensed third-party company. Under this agreement, [redacted] was responsible for U.S. Payza members' funds.
The balance in your Payza account was representative of the funds held in trust for you by [redacted]. These funds have been seized by the U.S. Department of Justice along with other [redacted] assets as a result of court orders issued by various states which can be readily found online. Unfortunately, Payza is not currently in a position to retrieve these funds or overturn a federal decision, but we are cooperating to the fullest extent with the authorities in this matter to recover your funds through the correct channels. 
Consequently, an adjustment has been made in your account to reflect this. Your "Detailed Transaction History" will display the amount of the balance adjustment.
Additionally, you may wish to contact your state regulator, the details of which are listed below.
[redacted]
You may also be interested in consulting the user agreement to which you were required to consent upon opening your account. Sections 2(Our liability) and 3(Agency relationship) of our user agreement apply particularly to this case. Please read the excerpts below:
"[...]Payza makes reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards and check issuances are processed promptly. We make no representations or warranties regarding the amount of time needed to complete transactions because our Service is largely dependent upon many factors outside of our control.
Under no circumstances will we be liable for any lost profits, special, incidental or consequential damages arising out of or in connection to the Site, our Service or this Agreement.[...]
Payza provides third-party payment processing services and carries out related actions on your behalf. At all times, your funds are held separately from our corporation and are not incorporated into or used for Payza’s operating expenses or corporate purposes. You acknowledge that Payza is not a bank and that the Service is a payment processing service rather than a banking service.[...]"
In short, while we understand your grievances, we ask that you recognize that the matter is being handled by the proper authorities and that we urge you to take up your claims with them since they'll be much better suited to assist you. Although you have indemnified Payza from any responsibility towards your funds related to [redacted]s' failure to provide the correct service and the ensuing federal action taken upon them, we hope to bring you some comfort in knowing that we are working to retrieve members funds through the appropriate channels.
If you still have any questions at all, please feel welcome to reply back with any concerns you might have, your satisfaction is our top priority!
We look forward to hearing back from you soon.
Sincerely,

Review: Payza owes me $130 which was pending (for the last 12 months) but now has been completely removed from my balance in my customer account.

This is unacceptable, as an online payment portal, if you lose my money, you are responsible for paying it back out of your own pocket.Desired Settlement: Pay me the 130$ that disappeared from my account. No excuses.

Business

Response:

Hi [redacted],

Thanks for contacting us. My name is [redacted] and I'm contacting you on behalf of Payza's Quality Assurance team.

Firstly, let me start by thanking you for helping us to improve our customer service by raising your concerns to us!

I'm sorry that we were unable to resolve your issue to date. From our reports, it seems that you're referring to the funds that have recently been debited from your Payza account on June [redacted] 2014, with reference number [redacted]. I apologize for the less than stellar experience you may have had because of this.

It's worth noting that although your funds have only recently been seized, which will be explained shortly, that your account was only unattainable for approximately 6 months, as opposed to the 12 that you had conjectured in your initial correspondence. Consulting your Payza account shows that there was activity as recent as November [redacted] 2013. From then up until the [redacted] of June 2014, while a long time in itself, is substantially less than a year.

As for the reason of the seizure of your funds, this is related to the reason Payza had to cease operations in the US temporarily, which you may already be familiar with.

In order to transmit money in the U.S. and adhere to state and federal regulations, Payza entered into an agency agreement with [redacted], a licensed third-party company. Under this agreement, [redacted] was responsible for U.S. Payza members' funds.

The balance in your Payza account was representative of the funds held in trust for you by [redacted]. These funds have been seized by the U.S. Department of Justice along with other [redacted] assets as a result of court orders issued by various states which can be readily found online. Unfortunately, Payza is not currently in a position to retrieve these funds or overturn a federal decision, but we are cooperating to the fullest extent with the authorities in this matter to recover your funds through the correct channels.

Consequently, an adjustment has been made in your account to reflect this. Your "Detailed Transaction History" will display the amount of the balance adjustment.

Additionally, you may wish to contact your state regulator, the details of which are listed below.

You may also be interested in consulting the user agreement to which you were required to consent upon opening your account. Sections 2(Our liability) and 3(Agency relationship) of our user agreement apply particularly to this case. Please read the excerpts below:

"[...]Payza makes reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards and check issuances are processed promptly. We make no representations or warranties regarding the amount of time needed to complete transactions because our Service is largely dependent upon many factors outside of our control.

Under no circumstances will we be liable for any lost profits, special, incidental or consequential damages arising out of or in connection to the Site, our Service or this Agreement.[...]

Payza provides third-party payment processing services and carries out related actions on your behalf. At all times, your funds are held separately from our corporation and are not incorporated into or used for Payza’s operating expenses or corporate purposes. You acknowledge that Payza is not a bank and that the Service is a payment processing service rather than a banking service.[...]"

In short, while we understand your grievances, we ask that you recognize that the matter is being handled by the proper authorities and that we urge you to take up your claims with them since they'll be much better suited to assist you. Although you have indemnified Payza from any responsibility towards your funds related to [redacted]s' failure to provide the correct service and the ensuing federal action taken upon them, we hope to bring you some comfort in knowing that we are working to retrieve members funds through the appropriate channels.

If you still have any questions at all, please feel welcome to reply back with any concerns you might have, your satisfaction is our top priority!

We look forward to hearing back from you soon.

Sincerely,

Review: Payza was supposed to process my payment with [redacted] to become an affiate distributor and buy a [redacted] and provide my with a receipt that payment was made.

I did not receive receipt that payment was made.Desired Settlement: Send me my receipt for my payment made through Payza

Business

Response:

Hi [redacted],My name is [redacted] and I'm contacting you on behalf of Payzas' complaints department. Allow me to thank you for submitting your grievance. We'll be sure to assist you to the fullest of our capabilities.From consulting the Payza account associated with "[redacted]". We do not see that any such transaction to [redacted] was issued. Normally, when a transaction is done into, within or exiting Payza, you'll receive an email with the details of the transaction including a reference number. The fact that such information does not figure in your account could mean one of several possibilities:•1) The transaction simply was not executed.•2) The transaction was executed using a different email address, in which case we humbly ask that you provide us with the address used to complete the transaction so we may search for it.•3) The transaction was completed but by some technical error is not showing in your account, in which case we humbly request that you provide proof of the funds moving from the source of the payment (Payza account, Bank account, Credit Card, etc.).We look forward to hearing from you soon, in the future, preferably through our support center. We do allow members to file grievances through the Revdex.com, but this is usually for escalated issues whereas you haven't even contacted us prior to this to allow us a chance to look into and resolve the issue. Our chat team offers the benefit of assisting you live and directly, otherwise our email system can help you too.Thanks for writing!Sincerely,[redacted]Payza.com

Review: PAYZA is a wellknown payment platform

in the pass this company respect customers and make payments options in acceptable time

but since last years it is more and more difficult to use our funds

they receive funds without problems but they hold them during long period of time now by using different delaying tactics

for example, they hold my funds since more 17 days by declining my transfer orders without good reasons and they don't reply to my several claim emails and ticketsDesired Settlement: they must respect their OWN RULES in term of ordres options and time limits

Business

Response:

Hello [redacted],Thank you for contacting us. My name is Alexander and I'm writing on behalf of Payzas' Customer Satisfaction team. I'd be glad to assist you today.Although we have recently experienced a surge in business levels that has delayed our processing times for certain types of transactions, we find your assessment of our business to be unfair, especially considering that this is your first transaction with us in over a year. It should also be known that your funds were not held for 17 days, they were returned to you 5 days after you sent them. You should see these funds in the balance of your [redacted] account. We've attached a screenshot of your balances for your convenience. Payments to merchants, such as the transfer you made with Indacoin, or sending funds to other users are still processed immediately. These are internal transactions that are moved from one e-wallet to another within our own system, and as such require no review. When a review is required is when funds enter or exit our system, either through depositing or withdrawing. As you'd mentioned in your ticket, you had sent these funds to Indacoin with the intent of purchasing Bitcoin from them. In order for them to transfer the funds from one currency to another and from our platform to theirs, they must withdraw the funds, which in turn will require that we review the transaction.For the record, this transaction would, in fact, constitute an exchange. An exchange is defined as the sale of one currency in *exchange* for another. In your case, you were selling the $48 USD associated with [redacted] in exchange for a certain amount of Bitcoin with Indacoin. Let it be known that exchanges in themselves are not forbidden by Payza; there are a number of exchangers that are authorized to work with Payza.The reason for the reversal of your transaction is that the funds originated with your credit card. Funds that originate with credit cards cannot be sent to exchangers, because this effectively constitutes a cash advance. A cash advance can be defined as the liquidation of funds from the balance of a credit card (cashing out a certain amount from the balance of your credit card). By depositing the funds from your credit card and purchasing another currency, you are effectively initiating a cash advance through an unauthorized medium.Our user agreement sets out explicitly that such actions are not permitted. Please consider the following clauses of our User Agreement:Section 7.2.: Activities Not Allowed [[redacted]" [...] The following activities are also not allowed through or in relation to Payza:•Money laundering•Infringing on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy•Violating any law, statute, ordinance, contract or regulation, including but not limited to those governing financial services, consumer protection, unfair competition, anti-discrimination or false advertising•Submitting altered verification documents•Being misleading, false or inaccurate in respect to [redacted] or any other User•Any activity similar to or consisting of giving yourself a cash advance from your credit card or bank account, factoring or helping others to do so ??? [...]"Section 9.1.: Activities Resulting In Account Limitation and Termination [[redacted]" [...] [redacted] reserves the right to limit account access or withdrawals and the right to terminate this Agreement with no prior notice for any of the following:•Reporting unauthorized or unusual credit card or bank account use to your issuing bank, including but not limited to chargebacks•Abusing the reversal process by a Buyer through their bank•Consistently failing to follow the Resolutions process before filing a complaint with their issuing bank•Initiating a reversal by a Buyer through their issuing bank without first following the Resolutions process•Initiating transactions such as cash advances or assisting cash advances ??? [...]"We've attached a copy of your transaction activity for your convenience, so as to allow you to verify the facts set out above in relation with our user agreement.Funds from credit cards can be used for purchases, but not for exchanges. If you ever need to collect the funds you had deposited by credit card, you can always request that they be withdrawn back to the card they came from. You may also wish to know that we offer Bitcoin withdrawals ourselves, but you may still use Indacoin for these transactions should you wish to do so.I hope I've been able to clarify these misunderstandings. If you have any other questions, please feel free to reply and we will gladly assist you.Warm regards,AlexanderCustomer Satisfaction TeamPayza.com

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.I only regretted that [redacted] had not answered my questions about my funds for over 15 days and it was not until I filed a complaint with Revdex.com for last they MEET

Sincerely,

Review: Payza has taken over a month to deliver a withdrawal that they guarantee to be received in 3-5 business days. Transaction details for the most recent withdrawal attempt are as follows:

Date 8/**/2014 12:29:46 PM Reference Number [redacted] Fee $0.50 USD Transaction type Withdrawal Name/Email By Bank Transfer-Metabank - [redacted]

Current Status Completed Amount $39.99 USD Total Amount $39.49 USD

Purchase Type Other

Note Reality NetDesired Settlement: I just want my money!!!! I worked hard for that little bit of money and, as I am unemployed due to injury incurred during a robbery at work, that is ALL the money I have in the world! I have had no other income since 2/**/14.

Business

Response:

Hi [redacted],

My name is [redacted] and I'm contacting you on behalf of Payzas customer support team.

Firstly, allow me to apologize for the hindrance this situation may have caused you. It was never our intention for these delays to come about and we understand that you had initiated this transaction in the hopes that it would be completed within the standard time frame. You may already be aware of the issue that one of our US banking partners was having in processing the surge of transactions we were generating in the US and the delays that followed.

From consulting your account, I see that you've already been in touch with our customer support team over the last few weeks and that various solutions to your problem have been proposed.

The heart of the matter is that the funds have already left Payza to be processed by our banking partner. Regrettably, this makes requesting a reversal difficult and risky. What I will do for you instead is have our banking team contact our partners to see why your funds have not been applied to your account and have them troubleshoot whatever the issue is.

I do not have a time frame for when this will be completed but I estimate I should have some news over the week. I will be in touch via email over the next few days with any news I receive on your case.

Once again, please accept our humble apologies. We look forward to resolving this issue as soon as possible.

Warm regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has not yet been resolved. If Payza is having a problem with a banking partner, it would be logical to CHANGE banking partners!

Sincerely,

Review: We have entered into a Merchant Relationship with Payza MONTHS ago. My Company uses them to accept payments for my digital products via their API and IPN payment integration system.

Due to the volatile nature of the "online" industry we have agreed that PAYZA may place up to 25% of funds on "hold" for security in the case of chargebacks or claims.

At this current time PAYZA has Frozen over $11,000.00 of my companies funds and REFUSES TO RESPOND TO ANY SUPPORT TICKET INQUIRIES. Payza does NOT have any human support available to clients.

They have extended a balance of $900 and are holding over $11,000.00 and will not respond. There are no other support options besides a archaic ticketing system that can take weeks to get a response. They used to have a Live Customer support Number and Live Chat on their website, these options have been removed to spite the customers they take advantage of.

If payza will not release these funds or contact my company with a reasonable and logical response we will file an official complaint with the DA, [redacted], [redacted] and [redacted] Internet Fraud Divisions. We have begun collecting information from several other merchants facing similar issues and are preparing for a class action suit against Payza and notifying the International Internet Crimes Organizations of Payza's clear attempt that Credit Card, Merchant, and Advertising Fraud.

If we do not receive a response within 72 hours we will serve PAYZA NY OFFICE with a subpeona. This suit will consist of over 100 Merchants who feel they have been wronged by this company. This is not a game, we will see this through even if it means expiring all our resources to shut down this company.Desired Settlement: Release the Frozen Funds, Provide Logical and Coherent Explanation or Face aClass Action suit.

thank you for your assistance in rectifying this issue and holding Payza Accountable for the fraudulent activity they seem to so readily partake.

Business

Response:

Dear [redacted], We appreciate the opportunity to respond to your complaint. After a review of your account our records indicate that everything is in order and done in accordance with our agreement. To clarify further, once your website has been reviewed you were allowed to transact with an understanding that 10% of your balance will be placed as on hold as weekly reserve. Below is a copy of the email sent to you at the time of your website approval: "Please note that due to the specific industry you are involved in, we are obliged to place a weekly reserve on your transaction volume. The reserve applied will be 10% of your weekly sales and will be released automatically after 6 months. Please understand that reserves are put in place to ensure that your Payza account is protected from chargebacks and reversal requests as part of the risk mitigation procedure." This was all clearly explained in detail so we are unsure where the "25%" and "85%" of your funds numbers came from that you mentioned. The remainder of the funds that is placed on hold is due to an increasing number of disputes you have been receiving lately. Each time a client disputes their payment made, that transaction is placed on a temporary hold until the dispute in question has been concluded. It is your responsibility as the seller to assist those clients and ensure their satisfaction. If you are unable to resolve their issue and refuse to issue a refund, you must ensure to present factual proof indicating delivery of the goods/service paid for. It is only with such supporting proof we are able to deny a refund request and this is done in accordance with our User Agreement and good ethical business practice. Simply referring to your "No Refund" policy and demanding all to abide by it while violating our User Agreement is considered poor business practice. In accordance with our User Agreement the following is stipulated: 6.6 Responsibility of the Seller "It is the responsibility of the seller to outline their Refund Policy and Terms of Service (TOS) to the customer. The seller must deliver the product and/or service to the customer as stated in the seller's TOS at the time of purchase. If the product and/or service is not delivered as stated in the seller's TOS, Payza's User Agreement will be used in lieu of the seller's."We kindly ask that you handle all of your customer disputes filed against your business in our Resolution Center, to ensure the best possible service to your customers is achieved.Thank you,Payza Support

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

No other options have been made available I HAVE NO CHOICE BUT TO AGREE! I AM BEING PIGEONHOLED BY AN UNFAIR TERMS OF SERVICE.Shame on me for trusting this company. And Shame on me for thinking the Revdex.com could help with anything.Another useless government agency.

Sincerely,

Review: I read on Payza that it would take 2-4 days to load funds onto my Payza account from a wire transfer. On March *, 2016, I requested a transfer of $500 (transaction ID: [redacted]) from my [redacted] account and $2000 (transaction ID: [redacted]) from my [redacted].

After the 2-4 days passed, I started inquiring about the status of the transfer.

On March *, 2016, the withdraw from my two checking accounts occurred. But they did not take $500 and $2000 respectfully, they took $1000 and $4000 respectfully. This caused my two accounts to be overdrawn and I incurred two $35 fees from my [redacted] and from [redacted], a $5 and $25 overdrawn fees, all totaling $99.

On March *, 2016, I started inquiring about the additional funds that was taken. I was told to send screen shots of my checking account (online) statements and to wait 2-4 days for the investigation.

The funds were not deposited into my Payza account yet, so this was very upsetting to have $5099 missing.

On March **, 2016, I inquired again. I was told to submit screen shots of my checking account (online) statements and to wait 2-4 days for the investigation.

On March [redacted], and **, I inquired again where my money was. Each time I was told to wait 2-4 days for the investigation.

On March **, 2016, $2500 was deposited into my account. That same day, I inquired about the remaining $2599 and was told to wait 2-4 days for the investigation.

Today is March **, 2016 and I am very upset that no one at Payza will answer any of my emails nor return my money or deposit it into my Payza account so I can use it. To this point, they have denied that they would ever double wire transfer someone's account and the delay tactics are starting to be worrisome.

I am only seeking what I am missing. $2599. This does not take into consideration the cash advances I had to take from a credit card to bring my checking accounts above a zero balance so nothing else would be overdrawn or returned.Desired Settlement: There are two outcomes listed in priority.

#1 Complete the transfer of my $2599 to my Payza account.

#2 Return my $500 to my [redacted] account along with the two overdrawn fees of $70 ($35+$35) and return my $2000 to my [redacted] account along with the two overdrawn fees of $29 ($24+$5).

Business

Response:

Hi [redacted],My name is [redacted] and I'm contacting you on behalf of Payzas' Customer Satisfaction team; I'd be glad to help you today.Firstly, allow me to apologize for the inconvenience this error has caused you and assure you of our commitment to deliver a satisfactory resolution to your situation.Concerning your initial deposits, I see that you've been in contact with one of our advisors who has confirmed that these have been applied to your account. Understandably then, the claim seems to apply to the missing duplicate transactions. This advisor had requested you to contact your bank and have them recall/revoke these transactions as unauthorized, since this is the case. Normally, once you do so, your bank will also revoke the fees associated with unauthorized transactions.If you haven't done so as of yet, we strongly urge you to contact your financial institutions to have them take action as soon as possible. This should ensure that the duplicate transactions and any penalties associated therewith are returned to the respective balances of your accounts.Otherwise, if your institutions return the transactions but still do not apply the fees, please contact us again by means of a ticket with a screenshot of the penalties and the amount returned so that we may forward this to our financial team who will see to compensate you accordingly, once you've followed the procedure outlined in this correspondence.Once more, please accept our humblest apologies for the inconvenience this may have caused. I hope this resolves the situation; should you require further assistance, however, we'll gladly assist you further.Thanks for contacting us. Have a great day!AlexanderCustomer Satisfaction TeamPayza.com

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.I am not sure if this portion of my letter will make it to Payza.After I submitted the complaint to Revdex.com on March **, 2016, within a few days Payza responded with the same resolution that was made in their Revdex.com reply - to have my bank revoke the second transaction at both banks. Within a few days after that, both banks revoked the second transaction and returned the fees.I am not sure why it took so long for Payza to respond with a corrective action and I tried not to be impatient with $2500 on the line. But after 10 days of "please wait 2-4 days", I felt I had to choice but to contact Interpol and Revdex.com.Bottom line is everything is resolved and this issue can be closed.Thank you for everyone's time.

Sincerely,

Hi Team,
Payza is a fraud company my friend transfered me $200 on [redacted] nov 2014 and this people within 10 mins blocked my and my friends payza account and I received an email from their fraud dept stating that the account have been blocked for 180 days as illegal activity found on account where in this account was verified by them and my known person transfered me the money still they blocked ristricted my account and now when I contacted them for withdrawal of my money exactly after 180 days they are not giving me money and account access just received an email that amount is been reversed back to the sender and when I checked with the sender my friend no money has been send to him so they are big scammers and running a scam business.
I will never recommend payza to any one as they have stolen my hard earned money.

Review: This is an online payment compant, Funds were sent to me on 7/**. I requested withdrawal of funds to be sent to my bank on 7/**. They finally sent it on 7/** and said it would tale 1-3 business days. I called back and the give me a run-around. Then they say send us a copy of your bank account statement to prove the money has not been received. I tell then to give me the transfer number so I can check with my bank and they say they can not provide. I keep calling and they keep giving me the run-around

Any help would be much appreciated.Desired Settlement: money to be deposited in my bank account

Business

Response:

Hi [redacted],

Thanks for contacting us. My name is [redacted] and I'm contacting you on behalf of Payza's Quality Assurance team.

Firstly, let me start by thanking you for helping us to improve our customer service by bringing up your grievances! We believe that feedback is the breakfast of champions and want all of our members to know we value their opinion.

I'm sorry that we were unable to resolve your question on the initial response. From our reports, it seems that there was a technical issue affecting some withdrawals, causing yours to go a day beyond our 2-5 business day time frame. I apologize for the less than stellar experience you may have had because of this.

The fact that your transaction has achieved completion lets us know that our banking partners should have sent the transaction to your bank account. As an international payment processor, Payza functions by intermediary of several banking partners to allow us to facilitate the transactions on behalf of our members.

The requirement for a bank statement to locate your funds is less one of our own design as it as what our banking partners require for us to initiate a search for the funds since, according to your Payza account, the funds have been transferred by them.

If you still would like us to initiate a search for the funds with our banking partners, we strongly encourage you to send us a recent copy of your bank statement so that we may contact them and have them initiate a search.

If you have any other questions, please feel free to reply back with any concerns you might have, your satisfaction is our top priority!

We look forward to hearing back from you soon.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[The receiving bank issues a receipt number.

That should be sufficient. I do not give anyone a copy of my bank statement.

That is not an ethical thing to ask for. This kind of answer is

typical. First you say you have payment problems then you say prove the payment

wasn't made. Prove it was made. You have been sued numerous times for the same thing.

After doing some research, I find that you are known for holding up and using

other people’s funds.]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Hello [redacted],

This is [redacted], contacting you on behalf of Payza once more.

Please forgive the delay in responding to your query, we've been in communication with our banking partners and didn't want to reply to you with partial information.

Acknowledging your grievances and the recent technical issues, we've requested that our banking partners re-batch your withdrawal for processing. This should have taken place last Wednesday, August [redacted] 2014. Normally, it can take between 2-4 business days for the funds to appear on your bank account once they've been batched out by our partner, as is standard for an ACH transfer. This puts the deadline for the receipt of these funds by the end of business day tomorrow.

We anticipate that you should receive the funds by then. In the event that you do not, please communicate with us and we will investigate the matter further.

I hope I have been able to answer all of your questions. It was my pleasure serving you today.

Warm regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I asked for payment on July [redacted]!!! You are now paying me 3 weeks after I asked for bank payment. THat sort of service stinks. I will NEVER use your service again.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: On 8/**/2013 I sent a Money Order to Payza. They cashed the money order but it did not go into my account. I was told that they are changing banks and to wait.

After many phone calls and support tickets the money has not been put into my account.

On Monday I was told by [redacted]? that he would check with his supervisor and email the same day. Still no email.

I have all documentation of support tickets and also have sent them photo copies of the [redacted] money order that was cashed.

8/**/2013 Deposit

By Money Order/Check

Pending $300.00 USD

I really tried to resolve this without getting the Revdex.com involved, but it seems I don't have any other recourse.Desired Settlement: I hope you can help me with this.

I am requesting a check payable to me from Payza for 300.00 USD

Business

Response:

Hi [redacted],