BluePay Processing, Inc.

Final Consumer Response /* (450, 5, 2014/04/29) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:
Issued complete refund.

Thank you for the opportunity to address Ms. [redacted] concerns. Ms. [redacted] established a merchant account with BluePay on January 24th, 2017 and processed several transactions that came under review by Risk Management. Several risk factors were identified, and the activity in question was...

ultimately reversed. One transaction was not refunded and remains in a security reserve. The held balance will be reviewed no sooner than 90 days from the date that the account was terminated. If the remaining sale is not disputed, the security reserve will be reviewed on May 9th. The Risk Team has been in communication with Ms. [redacted] throughout the process and resolution of the review. Thank you.  Sincerely,  Risk Management BluePay ProcessingTell us why here...

Thank you for the opportunity to address Ms. [redacted]'s concerns.
Ms. [redacted] signed a merchant agreement with BluePay on January 9th, 2016. Ms. [redacted] agreed to the terms and conditions of the agreement at that time. The three year term is clearly disclosed in the BluePay Merchant Agreement....

Ms. [redacted] did contact BluePay several times. On each occasion, our records indicate that her questions or concerns were addressed in a professional and thorough manner. Each situation was resolved successfully. BluePay has representatives available at all hours to address anything our customers need assistance with.
Ms. [redacted] was not signed to a lease and was not provided with a credit card terminal. She was provided with a BluePay gateway account and a free mobile swipe reader. She has been charged for no equipment. If Ms. [redacted] is being charged for a two year lease, it is not associated with this account. Perhaps that lease is associated with an unrelated merchant account from another provider.
Ms. [redacted] has been charged no fees for equipment and no termination fee. No refund is in order. None of the statements made in her complaint have been found to have merit. Her account was closed on June 11th at Ms. [redacted]'s request, as she advised us that her business was closing.
We consider this matter resolved.
 
Sincerely,
 
BluePay Processing

Initial Business Response /* (1000, 5, 2014/05/23) */
Thank you for the opportunity to address Ms. [redacted]'s concerns.
The fee in question was credited on May 14th. Ms. [redacted] should have seen the deposit by the 16th.
The merchant account that she established with [redacted] Financial was...

acquired by BluePay several years ago. At that time, the acquisition was announced to all affected merchants through a formal letter and statement messages.
This account has been closed. If Ms. [redacted] is ever in need of merchant processing in the future, we would welcome the opportunity to assist her in any way we can.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 7, 2014/05/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes, the amount has been credited back to my account but I am not satisfied with the explanation. I never received any notification from this company when they claim they acquired my "account" from [redacted] financial. It seems to me that if they felt I had an open account with them there would have been monthly service fees and routine notifications sent to me none of which ever took place. Surely there would have been an attempt made to verify whether or not I actually still had an open account? I also never received any notification that I would have been charged the fee in question for [redacted] non-compliance. This fee was removed from my account with no prior notice and it took a lot of effort on my part to get it returned. While attempting to get my funds returned I feel that I did not receive an accurate response from anyone at this company and would like answers to these questions.

Mr. [redacted] did contact BluePay several times in September and October of this year. Each time, his concerns were addressed by our Merchant Services Team.
The October 14th fee of $25.40 that he has referenced was credited to the same bank account on 11/04/2015. The excellent service that has been provided directly contradicts his inaccurate assessment of our business.
BluePay remains completely committed to providing outstanding service to all of our customers.
 
BluePay Processing

Thank you for the opportunity to address Mr. [redacted]'s concerns.
While there was no contact recorded between BluePay and Mr. [redacted] between August 2014 and February 2016, it does appear as though his account had been inactive and disabled for use after October 2014.
As a result,...

the monthly billing of PCI non-compliance fees that were billed to Mr. [redacted] directly from BluePay between November 2014 and February 2016 will be refunded. Sixteen charges of $39.95 will be credited for a total refund of $639.20. We apologize for any inconvenience, and we wish Mr. [redacted] all the best.
 
Sincerely,
BluePay Processing

Initial Business Response /* (1000, 5, 2014/09/27) */
Thank you for the opportunity to address Mr. [redacted]' concerns.
The Non-receipt of PCI Validation Fee is billed separately from the monthly fees associated with merchant processing. The normal monthly fees and the PCI are, however,...

billed to the same bank account, the same account that receives merchant deposits. The fees are clearly labeled.
The statement message describing the fee and the need for PCI compliance was included on the February 2014 merchant statement, well in advance of the first fee in April. The message included a number of contact options for our customers' convenience. We are happy to assist any customer with the process of becoming compliant.
The message on the February statement read as follows:
AS A MERCHANT ACCEPTING CREDIT/DEBIT CARDS, YOU ARE REQUIRED TO BE COMPLIANT
WITH THE PAYMENT CARD INDUSTRY DATA SECURITY STANDARDS (PCI DSS). IF WE
HAVE NOT RECEIVED YOUR VALIDATION OF PCI-DSS COMPLIANCE FROM A QUALIFIED
SECURITY ASSESSOR (QSA), EFFECTIVE APRIL 1ST, 2014, YOU WILL BE BILLED A
$29.95 NON-RECEIPT OF PCI VALIDATION FEE AND EACH MONTH THEREAFTER UNTIL WE
RECEIVE THE REQUIRED VALIDATION. PLEASE NOTE THAT YOU MUST MAINTAIN PCI DSS
COMPLIANCE AT ALL TIMES AND RECERTIFY YOUR COMLIANCE ANNUALLY, QUARTERLY
OR AS OTHERWISE APPLICABLE IN ORDER TO AVOID THIS FEE IN THE
FUTURE.
CONTINUING YOUR MERCHANT ACCOUNT OF USE OF YOUR MERCHANT ACCOUNT AFTER MARCH
15, 2014 WILL CONSTITUTE YOUR ACCEPTANCE TO THESE TERMS. IF YOU ARE NOT
ALREADY COMPLIANT, WE MAKE IT EASY. JUST VISIT OUR WEBSITE WWW.BLUEPAY.COM
AND CLICK THE LOGIN BUTTON AT THE TOP OF THE PAGE. IF YOU NEED HELP,
FEEL FREE TO CALL US AT XXX-XXX-XXXX, CHAT WITH US ON OUR WEBSITE, WITH US
ON OUR WEBSITE, OR SEND US AN EMAIL TO [redacted]@BLUEPAY.COM.
Mr. [redacted] contacted BluePay this month. His account is currently compliant. As a courtesy, Mr. [redacted] was credited for two months of non-compliance fees, totaling $59.90 on 09/18/2014.
We look forward to serving Mr. [redacted] in the future and we are always available to assist him in any way we can.
Thank you.
BluePay Processing

I'm disappointed with Bluepay. Over the last 3 months that we used their merchant services we have had numerous problems. First, we are a very small nonprofit organization that depends on membership fees and event registrations to support our advocacy work.

Our first problem occurred when Bluepay tried to withdraw its fees PRIOR to depositing our funds in to our account. I understand this is a policy, but is extremely problematic for small a small organization that does not always have funds available in the amounts necessary to support fees of incoming funds FIRST. This alone is forcing us to reconsider using Bluepay and switching processors.

Our second problem, the final straw, occurred when Bluepay deposited over 10K in to an account that was not ours and then withdrew the same amount from our account when they realized their mistake. Our account is now severely in the red and we are incurring many many overdraft fees. There does not seem to be any urgency in resolving this.

Initial Business Response /* (1000, 6, 2015/08/02) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
Unfortunately, none of the contact information provided by Mr. [redacted] matches to any account in our database.
We will need the name or the business that we maintain an...

account for or the Merchant ID number in order locate the account in question, review the situation, and resolve the matter.
Thank you.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 8, 2015/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because I have receipts from Blue pay where the transaction was approved. I have the transaction ID for the last three payments that were drawn on our account.I don't know if this will help . The merchant was [redacted] in St. Joseph, MO. Second Harvest has closed the account with BluePay due to problems like this, but I would think they would still be in the system.
Transaction IDs are as follows :
XXXXXXXXXXXX
XXXXXXXXXXXX
XXXXXXXXXXXX
Final Business Response /* (4000, 10, 2015/08/14) */
We appreciate that Mr. [redacted] has provided more detail. Mr. [redacted] does not maintain an account with BluePay. He is a customer of one of BluePay's merchants.
Mr. [redacted] did attempt a total of five donations in the amount of $25.00 each. The most recent donation on 07/15/2015 was successfully processed and paid to the merchant. The donations prior to that were refused and voided due to settings on the payment gateway that were established by the merchant involved. The four $25.00 donations that were voided were not billed to Mr. [redacted].
No error has occurred in the processing of these donations and no refund to Mr. [redacted] is warranted.
Thank you.
Sincerely,
BluePay Processing
Final Consumer Response /* (2000, 12, 2015/08/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
After researching our statements, the donations were not charged to our account. Thank you for helping us resolve this matter.

Initial Business Response /* (1000, 5, 2015/04/23) */
Thank you for the opportunity to address these concerns.
This matter is currently being reviewed, and BluePay will provide a final resolution early next week.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /*...

(3000, 11, 2015/06/15) */
Re: Account Cancellation - [redacted] ( 2nd email)
1 message
[redacted] Fri, Jun 12, 2015 at 4:38 PM
To: [redacted]
Cc: [redacted]@chicago.Revdex.com.org
You guys have completed blocked access to the backend to access records after cancelling the account. You are charging us for fees still that weren't agreed on the initial contract see attached. we demand DISCLOSURE OF STANDARD RATES, FEES AND CHARGES for the last 6 months on our account [redacted] Something that is our right under the Credit Card Accountability Responsibility and Disclosure Act of 2009, failure to provide electronically stored information from your part will result on legal action from our part.
On Fri, Jun 5, 2015 at 11:28 AM,[redacted] wrote:
Hello:
Sorry for any inconvenience. This account was closed out 6/3/15. Please let me know if there is anything else I can help with. Thank you.

[redacted]
Quality Assurance
XXX-XXX-XXXX main
XXX-XXX-XXXX fax
XXX-XXX-XXXX toll free
BluePay, Inc.
www.bluepay.com
Final Business Response /* (4000, 18, 2015/07/10) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
The Non-receipt of PCI Validation Fee is billed separately from the monthly fees associated with merchant processing. The normal monthly fees and the PCI fee are, however, billed to the same bank account, the same account that receives merchant deposits. The fees are clearly labeled.

The statement message describing the fee and the need for PCI compliance was included on the February 2014 merchant statement, well in advance of the first fee in April. The message included a number of contact options for our customers' convenience. We are happy to assist any customer with the process of becoming compliant.

The message on the February statement read as follows:
AS A MERCHANT ACCEPTING CREDIT/DEBIT CARDS, YOU ARE REQUIRED TO BE COMPLIANT
WITH THE PAYMENT CARD INDUSTRY DATA SECURITY STANDARDS (PCI DSS). IF WE
HAVE NOT RECEIVED YOUR VALIDATION OF PCI-DSS COMPLIANCE FROM A QUALIFIED
SECURITY ASSESSOR (QSA), EFFECTIVE APRIL 1ST, 2014, YOU WILL BE BILLED A
$29.95 NON-RECEIPT OF PCI VALIDATION FEE AND EACH MONTH THEREAFTER UNTIL WE
RECEIVE THE REQUIRED VALIDATION. PLEASE NOTE THAT YOU MUST MAINTAIN PCI DSS
COMPLIANCE AT ALL TIMES AND RECERTIFY YOUR COMLIANCE ANNUALLY, QUARTERLY
OR AS OTHERWISE APPLICABLE IN ORDER TO AVOID THIS FEE IN THE
FUTURE.
CONTINUING YOUR MERCHANT ACCOUNT OR USE OF YOUR MERCHANT ACCOUNT AFTER MARCH
15, 2014 WILL CONSTITUTE YOUR ACCEPTANCE TO THESE TERMS. IF YOU ARE NOT
ALREADY COMPLIANT, WE MAKE IT EASY. JUST VISIT OUR WEBSITE WWW.BLUEPAY.COM
AND CLICK THE LOGIN BUTTON AT THE TOP OF THE PAGE. IF YOU NEED HELP,
FEEL FREE TO CALL US AT XXX-XXX-XXXX, CHAT WITH US ON OUR WEBSITE, WITH US
ON OUR WEBSITE, OR SEND US AN EMAIL TO [redacted]@BLUEPAY.COM.
While merchant statements are not physically mailed monthly, they are available at all times 24/7 through our merchant portal, which Mr. [redacted] was provided access to.
When Mr. [redacted] contacted us regarding PCI compliance and related fees in April 2015, he was credited $89.85 for the most recent three months of fees. That credit would have posted to his bank account after 5/13/2015.
We regret that Mr. [redacted] terminated his relationship with BluePay. We made every effort to assist him with becoming PCI compliant, and we are always available to serve him again should he be in need of merchant services in the future.
Sincerely,
Risk Management
BluePay Processing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11135673, and find that this resolution is satisfactory to me. The bank account originally on file is no longer active; please contact me directly at j[redacted][email protected] in order to coordinate funds transfer. Thank you for working with me on this.
Sincerely,
Josh [redacted]

Initial Business Response /* (1000, 8, 2014/07/10) */
Thank you for the opportunity to address Ms. [redacted]'s concerns.
Our PCI Compliance program is designed to ensure that all merchants who accept credit cards through a BluePay merchant account are compliant with current industry...

cardholder security standards. We have been working diligently with our customers to complete the necessary steps to bring them into full compliance and avoid non-compliance fees in the future.
While statement messages were generated in advance of the PCI Non-Compliance Fee billing in April, we understand that Ms. [redacted] used this merchant account on a limited basis, resulting in her request to terminate the agreement. Taking that history into consideration, we have issued a credit for $89.85 for the fees she was charged from April through June. She should see that credit within the next two business days.
We thank Ms. [redacted] for her business and we wish her all the best. We would appreciate the opportunity to be of service to her again, should she have a need for merchant services in the future.
Sincerely,
Risk Management
BluePay Processing

I would not recommend using BluePay for any reason what-so-ever. After extensively going over our account and our needs with the sales rep we setup our account. We explained, in depth, that we had invoices that we had hold as a courtesy to our customers for the past few months and would be processing a large sum within the first two weeks.

After processing 3 payments the first was cleared quickly. However, they held the last 2 payments for over a week and after 4-5 attempts to reach them I was told that they would be processed 10 days after the initial submittion. However, I was then transferred to a risk analyst who informed me that our account was put on a hold and she had been "planning" to contact us this morning (it was now 11 AM). We explained that this was our 5th call to their company and why were we now being told this information. We should have been informed days ago.

After submitted all invoices on the payments, which they required to process they payments, they informed us that they were going to drop us unless we allowed them to hold the money for 180 days.

I would greatly advise anyone interested in using BluePay to look elsewhere. We have no to go back and explain to our customers why we have to reprocess these payments 10 days past the original date.

Initial Business Response /* (1000, 8, 2014/07/10) */
Thank you for the opportunity to address Ms. [redacted]'s concerns.
BluePay has corresponded with several representatives from Ms. [redacted]'s company in recent weeks. The account in question was closed prior to the end of June, as requested....

The fees that were generated in June are, unfortunately, not refundable.
Should Ms. [redacted] require merchant services in the future, we would welcome the opportunity to be of service to her again.
Sincerely,
Risk Management
BluePay Processing

Initial Business Response /* (1000, 6, 2015/07/23) */
Thank you for the opportunity to address Ms. [redacted]' concerns.
Ms. [redacted] established an account in February of 2014. The account was assessed monthly fees of $42.95 in March and April of 2014. One of the $42.95 fees was returned from...

her bank unpaid.
If Ms. [redacted] can provide a copy of the correspondence from the sales representative, then we could refund fees that were assessed.
The secondary review that resulted in the closure of the account was unrelated to the fees that were unpaid. Additional risk factors were identified that resulted in the account being terminated.
Fees associated with web development are the responsibility of Ms. [redacted] and are not eligible for discussion.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 8, 2015/08/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was charged when the account was supposed to be on hold . so not only was I charged but I also was charged nsf fees from my bank as a result of not having the money in my business account when blue pay unlawfully charged my account. regarding my account being closed for "additional" risk factors these "risk" factors still have not been disclosed to me to date, what was the "risk?". I was approved by blue pay in February 2014 and not until I was approved did I hired and pay a developer to design my site around blue pays set up. then for no known reason to me just shut my account down? no reason given other than "risk" ? I had not even had the opportunity to use the system yet but yet I was a risk? why was I not determined to be a risk when I applied 2 months earlier? I provided all the data blue pay needed to determine if I was eligible then once I was approved I hired and paid a developer to set my website up. I am out of money because they gave me a false approval. the email exchange from blue pays representative halona jacskon is below. she clearly states she put the account on hold. I also provided blue pay with this email and they did nothing, read from the bottom up.
From: [redacted]@hotmail.com
To: [redacted]@bluepay.com; [redacted]@bluepay.com; [redacted]@bluepay.com
CC: [redacted]@financemyhair.com
Subject: URGENT TIME SENSITIVE MATTER- XXXXXXXXXXXXXXXX - Finance My Hair.com
Date: Mon, 16 Jun 2014 17:23:07 -0700
XXXXXXXXXXXXXXXX - Finance My [redacted]
We were notified of our acceptance with blue pay on 2/25/14 .Per our conversation and emails beginning 4/10/14 . you were going to find out why my account is being charged even after the fact you stated you already placed my account on seasonal hold. I expressed to date that know one has contacted me regarding this matter and it has been over 2 months to date. It was also requested that the charges be credited back into our account and not charged until we launched in which you assured me of this matter being resolved. Halona on 4/26/14 I contacted you again expressing my concerns for invoicing charges .There were no returned phone call or follow up emails in regards to this matter. You then answered my email on 4/28/14 with reply verbatim "Good morning, I'm just seeing this. I will contact Merchant Services again. I spoke with someone before and they said they would call you, but I'll contact someone else in Merchant Services. ". from that point I didn't hear anything else from you nor Blue Pay Merchant services, therefore I contacted you again on 5/6/14 to tell you I still haven't received any contact from anyone from blue pay to date .You then replied on 5/06/14 you will contact them AGAIN .On 5/13/14 I emailed you to notify you of my account being charged once again even after the fact you assured me that my account was on hold. you then replied on 5/15/14 stating "I apologize I thought my email was sent to you. I contacted Merchant Services and put a request to put a hold on the account from [redacted] 13th and for your account to be active again in 6 weeks". I then contacted and expressed to you that you assured me my account was on hold previous to 5/13/14 and why is it now just being requested as of 5/13/14 , you stated you already requested the hold previous to that date just 5/13/14 was the date you contacted merchant services again to place hold on my account.I contacted you again on 5/18/14 and 5/30/14 and still to this date 6/16/14 this issue haven't been resolved.I have our email exchanges and the seasonal hold according to the risk department was not put on until later even though you told me it was put on our account initially from the beginning. I take my business VERY seriously and this is putting me in a compromising situation and could even ruin my chances of doing business with other vendors. It is not acceptable to ignore numerous emails and let issues go unresolved for months. You are telling me it takes weeks at a time to get answers and in the meantime with no answers from you my account gets terminated . all of this could have been avoided had you made sure the corrections were made in the account once you were made aware. If this is no fault of your own please refer me to the party that dropped the ball so we can get this issue resolved at once.
just as an FYI - less than 5 minutes you and I got off the phone Blue Pay sent me a termination of services because they said they were not able to collect funds from my account even though it is supposed to be on hold ???

I am concerned that the company is not taking my request seriously and has ruined the future of my business. I do not plan to let this go until I get answers! This is my future that is being played with.
It needs to be made known to Risk Management immediately, that my account not being active is of no fault of my own. I stopped putting money in my business account because you did not make sure my money was secure before my launch date as I was told it would be secure. I do not want to find my business name on any tmf list due to Blue Pays negligence. In addition to money being taken from my business account that was not supposed to come out I have paid thousands to a web developer to build my site around blue pay structures. Now if I have to rebuild that is more money I lost because of the negligence of Blue Pays internal staffs failure to code and notate my account correctly.
SEE BELOW EMAIL EXCHANGES ( THERE ARE MORE EMAILS IF NEEDED)
Date: Fri, 16 [redacted] 2014 23:39:35 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: [redacted]@hotmail.com
I requested before to have your account on hold before. I contacted Merchant Services again on the 13th.
On Friday, May 16, 2014, Tyler [redacted] wrote:
Halona,
Did you get my below email?
From: [redacted]@hotmail.com
To: [email protected]
Subject: RE: withdraw on my account
Date: Thu, 15 [redacted] 2014 17:05:03 -0700
I thought you said yoy already put a hold
On it? It was just now put on hold as of may 13th?
Date: Thu, 15 [redacted] 2014 17:00:59 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: [redacted]@hotmail.com
I apologize I thought my email was sent to you. I contacted Merchant Services and put a request to put a hold on the account from [redacted] 13th and for your account to be active again in 6 weeks.
On Thu, May 15, 2014 at 4:59 PM, Tyler [redacted] wrote:
Halona,

[redacted] I get an update? 6 weeks from today my site should be active

From: [email protected]
To: [email protected]
Subject: RE: withdraw on my account
Date: Tue, 13 [redacted] 2014 11:49:13 -0700
They can turn it back on in 6 weeks from now. Will they credit my account back?
Date: Tue, 13 [redacted] 2014 11:42:50 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: [email protected]
I will contact Merchant Services to inquire about it. When would you like the account to be turned back on? What is the status with your website as well?
On Tue, [redacted] 13, 2014 at 11:32 AM, [redacted] wrote:
Halona,

I just got ANOTHER invoice. I thought you put my account on hold? Can you please tell me how I am being charged if my account is on hold?

Date: Tue, 6 May 2014 18:31:23 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: [redacted]@hotmail.com
No problem. I will contact the Merchant Service department first thing in the morning.
On Tuesday, May 6, 2014, [redacted] wrote:
no specific time , just would like a return call
Date: Tue, 6 [redacted] 2014 16:38:26 -0500
Subject: Re: withdraw on my account
From: [email protected]
To: [redacted]@hotmail.com
Okay I will contact them again so we can get clarification on this. What is your availability today and tomorrow?
On Tue, [redacted] 6, 2014 at 4:25 PM, Tyler [redacted] wrote:
yes, but I was old testing was of no charge
Date: Tue, 6 [redacted] 2014 16:08:06 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: [email protected]
Did you run a test transaction?
On Tue, [redacted] 6, 2014 at 4:02 PM, [redacted] wrote:
Halona,

You said we were on hold until our site is up an running, I was also told that the charge was transaction and there have not been any transactions, so not understanding why we are being charged?

Date: Tue, 6 [redacted] 2014 15:50:27 -0500
Subject: Re: withdraw on my account
From: [redacted]@bluepay.com
To: Final Consumer Response /* (3000, 12, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The correspondence that Ms. [redacted] has provided makes no reference to her sales representative promising that no fees would be charged prior to the account being actively used. Fees are generated once the account is created and ready for use.
The correspondence included is follow up correspondence that questions why fees are being assessed. BluePay's representative worked to suspend billing starting in May as a courtesy.
Insufficient Funds fees are the responsibility of Ms. [redacted]. BluePay only collected one monthly fee successfully, while the account was open and ready for use for several months.
The termination of the account has no impact on any of the development work that was conducted, as the site can still be used with another merchant provider.
We wish Ms. [redacted] all the best.
Sincerely,
BluePay Processing
Final Business Response /* (4000, 14, 2015/08/17) */
Ms. [redacted] had access to a functional merchant account for three months: March, April, and [redacted] of 2014. We successfully debited only one monthly fee of $42.95. She paid no fees for the other two months.
Insufficient Funds fees are the responsibility of Ms. [redacted].
The termination of the account has no impact on any of the development work that was conducted, as the site can still be used with another merchant provider. Development fees are solely the responsibility of Ms. [redacted].
We consider this matter resolved, and we wish Ms. [redacted] all the best.

Sincerely,
BluePay Processing

Initial Business Response /* (1000, 5, 2015/07/24) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
During a review of the activity being processed through Mr. [redacted]'s account, risk factors were identified that required us to close the account. Mr. [redacted] generated volume...

and transaction amounts far in excess of the amounts he had requested on his original application. BluePay requested support for the volume in question in an attempt to work with Mr. [redacted] and accommodate the activity, but he was not able to provide sufficient support.
The security reserve in question can be reviewed no earlier than 30 days from the termination of the account, which would be on or near August 20th, 2015. We will review the account for dispute activity and determine if any of the reserve is eligible for release.
We will work with Mr. [redacted] to resolve the situation.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 7, 2015/07/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am grateful yet not satisfied with everything said. I supplied every invoice and bank statement that was asked of me. All invoices were on items delivered except one which was pending (in which I supplied tracking) and has since been delivered. I even offered to send in our license.
Once again, I understand the risk stand point but whats the point in asking my company to show these invoices, customer signatures and bank statements if when do supply (i supplied items within 24 hours, while on vacation with my family out of state) them (all that were request, which seemed to be random selections), it doesnt make a difference.
If Blue Pay agrees to honestly work with me, we'd like them to show us, not tell us. They requested our items for review and we showed them action. Right now, its like we are being told that our funds are being held and to just call and check up on them.
We are certain that one chargeback hasnt been initited on any if our reserve, let alone over $13,000 worth. We ask to be shown action. If we need to call, we'd not only like a date, but a name. Someone who isnt going to treat our phone call like day one, saying we need to call back in 90 days or another delay. Someone who will be familiar with Blue Pay saying that they will work with us.

Final Consumer Response /* (2000, 25, 2015/09/30) */
From: [redacted]@executiveorderclothing.com (mailto:[redacted]@executiveorderclothing.com)
Sent: Wednesday, September 30, XXXX XX:XX PM
To: [redacted] ; [redacted]
Subject: Re: [redacted] vs. BLUEPAY PROCESSING, INC Case# : XXXXXXXX
This is e-mail is confirm that our Business has received the Funds from BluePay today (September 30, 2015).
We thank your Office for its diligence as well as the hard effort you've put in as well! Thank you.
Sincerely;¬¬¬¬
[redacted]¬¬¬¬
Owner¬¬¬¬
XXX-XXX-XXXX¬¬¬¬¬
XXX-XXX-XXXX¬¬¬¬¬
[redacted]@ExecutiveOrderClothing.com¬¬¬¬

Initial Business Response /* (1000, 7, 2015/08/02) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
The merchant account for Common Change was established in August of 2013. The account was used regularly through May of 2015.
PCI compliance is required by the card...

brands, and BluePay works with our customers to assist them with taking the necessary steps to become compliant. We do not require our customers to procure their own vendor for compliance, though some merchants pursue that option.
BluePay published a statement message describing the PCI non-compliance fee and the need for PCI compliance on the February 2014 merchant statement, well in advance of the first fee in April. The message included a number of contact options for our customers' convenience. We are happy to assist any customer with the process of becoming compliant.

The message on the February statement read as follows:
AS A MERCHANT ACCEPTING CREDIT/DEBIT CARDS, YOU ARE REQUIRED TO BE COMPLIANT
WITH THE PAYMENT CARD INDUSTRY DATA SECURITY STANDARDS (PCI DSS). IF WE
HAVE NOT RECEIVED YOUR VALIDATION OF PCI-DSS COMPLIANCE FROM A QUALIFIED
SECURITY ASSESSOR (QSA), EFFECTIVE APRIL 1ST, 2014, YOU WILL BE BILLED A
$29.95 NON-RECEIPT OF PCI VALIDATION FEE AND EACH MONTH THEREAFTER UNTIL WE
RECEIVE THE REQUIRED VALIDATION. PLEASE NOTE THAT YOU MUST MAINTAIN PCI DSS
COMPLIANCE AT ALL TIMES AND RECERTIFY YOUR COMLIANCE ANNUALLY, QUARTERLY
OR AS OTHERWISE APPLICABLE IN ORDER TO AVOID THIS FEE IN THE
FUTURE.
CONTINUING YOUR MERCHANT ACCOUNT OR USE OF YOUR MERCHANT ACCOUNT AFTER MARCH
15, 2014 WILL CONSTITUTE YOUR ACCEPTANCE TO THESE TERMS. IF YOU ARE NOT
ALREADY COMPLIANT, WE MAKE IT EASY. JUST VISIT OUR WEBSITE WWW.BLUEPAY.COM
AND CLICK THE LOGIN BUTTON AT THE TOP OF THE PAGE. IF YOU NEED HELP,
FEEL FREE TO CALL US AT XXX-XXX-XXXX, CHAT WITH US ON OUR WEBSITE, WITH US
ON OUR WEBSITE, OR SEND US AN EMAIL TO [email protected].
We received a request to terminate the merchant account for Common Change at the end of June 2015. The account was terminated as result of that request. At this time, a refund of fees associated with the account is not warranted.
BluePay remains committed to working with our customers to provide excellent service and assist them with maintaining full cardholder data security. We would be happy to assist Common Change again in the future.
Sincerely,
BluePay Processing

Initial Business Response /* (1000, 13, 2014/09/05) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
Mr. [redacted] did establish three separate merchant accounts with BluePay. One of his websites came under attack and was being used by criminals to authorize card...

numbers. BluePay's team offered direction to assist Mr. [redacted] with blocking the activity. The authorization attack that he suffered was unrelated to the fact that he utilized our merchant services.
Mr. [redacted] requested that his accounts be closed. When his accounts were established, he agreed to, and was provided with a copy of, the terms and conditions which clearly identify our early termination fee.
As a result, the fees are not refundable.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 15, 2014/09/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The fees in question are in fact, buried in the contract. That is true, however one wonders why they felt the need to hide them. That being said, I was repeatedly lied to by the sales rep who told me that I was on a "month to month" agreement. I signed the contract, there was no need to lie about it. As far as the attacks on my account, the only "direction" they offered me was to monitor the hundreds of fraudulent transactions and go in and reverse them myself. That was impossible unless I did nothing else forever. That's why the account was closed. After being promised by the sales rep, [redacted] that the fees would be refunded,( I don't know why he told me that) he would never again answer my calls and emails to him bounced. Bluepay is of course, free to charge any fees, but they should not feel the need to hide them and lie about it.

Initial Business Response /* (1000, 5, 2015/07/10) */
Thank you for the opportunity to address Mr. [redacted]'s concerns.
The account for Xumaa.com was established in May of 2012. The account was used periodically.
Mr. [redacted] contacted us in May of 2013 regarding a sale that had been...

processed. We made a proactive outbound service call in February 2014.
In June of 2014, Mr. [redacted] contacted us to cancel his account. We instructed him to provide us with a written request, which we never received.
In March of 2015, Mr. [redacted] again initiated a cancel request, which we did receive. We have terminated the account. However, some additional fees were charged after closure in error.
We are crediting all fees assessed after March 2015. Mr. [redacted] will see credits totaling $219.75 deposited early next week.
We apologize for any inconvenience throughout this process.
Sincerely,
BluePay Processing
Initial Consumer Rebuttal /* (3000, 7, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When Signed up for the Credit card processing via Blue-pay, It was told to us that if the account does not maintain a cretin amount deposited through blue-pay or not being used, the account will be closed, We needed blue-pay to process online payment for a minimum of 60 -70 days. The agent assured as that after 90 day if there we no transaction or not enough transaction to satisfies or justifies the fees on the account, it will be automatically closed. In the 3 years period, blue pay was charging us three fees every single month, $39.99, $10.00, $40.00, respectively. Each and every month. We occurred over $3000.00 of charges to Blue-pay without processing anything through them. That was just monthly fees charge to our account. There were 2-3 processes done in the first month and one of them was a charge back for some reason. We have exhausted the times we tried to reach to them. After the first 90 days, we reached out and asked to cancel it, They said the account will be canceled and will not be charge any longer, however, we were still being charged, we called again and requested the account to be cancelled, they notified us that they will need a letter in order for them to cancel our account and reverse the charges, and it was not cancelled, we reached out to our bank to block blue-pay from drafting the fees from our account, our bank notified us to take it with blue-bay as we know the merchant, in 2014 we sent them a letter to cancel our account and request more information, yet it was never send or mailed to us. In 2015 we sent a letter and asked for a manager to review the account and demand for the letter to be processed, they notify us that the letter was received, however, again the account was not closed, our attorney contacted them and notify them that they will need to close the account immediately or else he will take legal action, at that moment, they notify us that it was a computer error and willing to reverse only $219. This is not acceptable, we demand the full refund, there services was not used, we request and full 3 years statements to verify that the account was used, Only charges were are the fees that Bluepay was charging to our account.
Final Business Response /* (4000, 9, 2015/07/13) */
At no time would Mr. [redacted] have been informed that his account would be automatically closed after 90 days of inactivity.
Once a merchant account is established, that account remains open until a customer notifies us that it is no longer needed. The level of usage does not affect the functionality of the account. All accounts remain open and active and ready for use, resulting in standard monthly fees.
Monthly PCI non-compliance fees are charged to customers who have not completed the required steps to ensure compliance with card data security standards. We are always available to assist merchants with this process.
Mr. [redacted] claims his account was used for only a limited time, but there was active use of that account on six separate occasions between May of 2012 and October of 2013. BluePay will not question the frequency of use, as account usage can vary dramatically depending on a number of circumstances associated with particular business models. We will maintain that account in a state that is ready for use at any time.
In June of 2014, Mr. [redacted] contacted us to cancel his account. We instructed him to provide us with a written request, which we never received. In March of 2015, Mr. [redacted] again initiated a cancel request, which we did receive.
We have never received anything from Mr. [redacted] that would support his claims about statements made to him by our sales team regarding automatic closure of his account due to inactivity. If any such correspondence exists, we would need to review that.
We are willing to assist Mr. [redacted], but we cannot issue refunds of fees associated with an open account that wasn't being actively used.
Sincerely,
BluePay Processing

Initial Business Response /* (1000, 13, 2015/07/13) */
Good Afternoon,
Thank you for the opportunity to address Mr. [redacted] concerns.
Mr. [redacted] established one account with BluePay which has been closed since January 2010. That account was called Lure Properties.
We received two...

additional accounts from him in June of 2010 and March of 2011, but both of those applications were declined.
Mr. [redacted] will need to provide more detail, including the business name and Merchant ID for the account he is referring to. We will be happy to resolve any issues that exist.
Thank you.
Sincerely,
Risk Management
BluePay Processing