Central Payment

Initial Business Response /* (1000, 10, 2015/04/20) */
CPAY was contacted by this client. He expressed his concerns and CPAY closed his accounts per his request. CPAY has also issued credits for monthly fees from up to the time the accounts were closed (November through February).

Initial Business Response /* (1000, 5, 2014/02/20) */
Central Payment supervisor and management spoke with [redacted] about his concerns and also, as a courtesy only, previously agreed to allow him to cancel if all matters are put to rest. Instead of accepting this courtesy, [redacted] stated he will...

post this complaint with the Revdex.com regardless. This complaint has no merit as Central Payment offered a courtesy and declined by [redacted]. Furthermore Central Payment can provide the Revdex.com with supporting documents where these terms were agreed by [redacted].

Initial Business Response /* (1000, 10, 2014/08/14) */
[redacted] signed an agreement with Central Payment for credit card processing. CPAY complied, activated his account and made the service available to him. [redacted] did not voice his complaints until July. As a courtesy CPAY agreed to...

release [redacted] from his agreement and closed his account with no early termination fee.
Initial Consumer Rebuttal /* (3000, 12, 2014/08/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The sales person who works for Central Payment also had him sign another agreement the same day for another plan and did not terminate the first. We are still in contract with Sterling, the other plan the same representative signed us with. He did not cancel Central and we did not know there was two plans activated. I am sure they are saying they didn't hear from us but I called several times. We would like a refund due to their salesman signed us up for two companies on the same day.

Initial Business Response /* (1000, 11, 2014/04/17) */
Cetral Payment has no control of Chargeback disputes. However, our chargeback department follows all protocols to help the merchant. When a merchant loses the dispute it is outside CPAY's control. We are more than glad to assist with...

some courtesy credit towards the chargeback fees. With regards to the account's terms. The merchant was provided with a welcome kit, which indicated the account would auto-renew unless cancelled at the end of the term. If [redacted] has any concerns CPAY will is more than glad to provide the assistance required. CPAY management attempted to contact [redacted] to assist with her concers. We were unable to get through on the numbers we have on file but did leave a voicemail with a direct contact information to provide the required assistance.
Initial Consumer Rebuttal /* (3000, 13, 2014/04/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My business number is (XXX)XXX-XXXX. This is the number that the credit card transactions are run on and submitted to Central Payment. We answer the phone all the time, or return voice messages as this is a business. My personal cell phone number is (XXX)XXX-XXXX. As far as my losing a customer dispute, the fact that is being overlooked is that I have a contract with the disputee. It isn't possible to lose a dispute when the disputer is under contract. Credit Card Disputes that not being looked into, although all of the proper documentation is submitted (example, the contract) is a very easy way for a consumer to cheat small business. I would like to use an example of my automobile loan that I have through Honda. Could I just dispute that I owe the money for my vehicle and not have to make my payments? Absoluetly not, I signed a contract. In this case the credit card company is not looking at the information provided, because if they were, the person in question would not "win" the dispute. Complicating the situation is that the company Central Payment recieves $25 for each dispute which they take directly out of my account. After the customer is deamed to have "won" the dispute, we (the business) can dispute again and present the evidence again. When the customer "wins" again, we get charged another $25. As a business, I am afraid to go any further in a dispute and feel that it may be easier just to let the customer walk. Why? Because not only am I not going to recover the contractural obligation from the customer, but it takes time to gather the evidence, and then it costs me $50.
As far as this welcome kit.. I recieved that over 3 years ago. My fees have varied since then and I have no idea why. I tried to cancel this contract with Central Payment for both of my businesses. The window of opportunity to cancel this contract, I am told is within 30 days prior to the 3rd year. Not before and not after, but within those 30 days. This is almost next to impossible. In other words, a letter sent today, or in 6 months, would not quailfy me for cancellation. Futhermore, I thought contracts in the state of Colorado and several other states, go month to month after the intial term. I thought (we deal with contracts in our business) that it is illegal to renew a contract for an entire term (in the case another 3 years, without notifying the customer (me) and rewriting the contract).
I would like this contract cancelled. Actually, I would like both of my business accounts cancelled with this company. As far as credits.. That is vague. Central Payment's entire response is vage. I would like to know exactly how much of a credit, when that will be given to me, and when my contracts for Ladies Workout Express and adam & eve salon & spa will be cancelled.

Initial Business Response /* (1000, 10, 2014/03/24) */
Central Payment has tried to contact Mr. [redacted] to address his concerns. We have been unable to get in contact with him. However, we are more than willing to help address his concerns. Mr. [redacted] declined to allow us to assist prior to...

cancelling the account. Central Payment has issued a courtesy credit for the $85 PCI compliance fee in good faith. We have left management information in his voicemail box so he can call us back if he needs additional assistance.

Initial Business Response /* (1000, 10, 2014/05/12) */
This account has been closed since November 2013. The call in question is with regards to a machine sent to [redacted] under the Free Terminal Program. [redacted] had 30 days to return the equipment delivered on Wed 8/14/2013 @ 11:31 am signed by...

[redacted].

Initial Business Response /* (1000, 8, 2014/11/05) */
Central Payment received the merchant's cancellation letter. [redacted] signed a merchant agreement to process through Central Payment. Central Payment agreed to cancel the account with no Cancellation fee as a courtesy. [redacted]'s account is...

closed.
Initial Consumer Rebuttal /* (2000, 10, 2014/11/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2014/10/13) */
This client contacted Central Payment to request the cancellation instructions. The instructions were provided as the client requested. Central Payment has yet to receive the written cancellation notice as advised to the client on a...

couple of occasions. Central Payment has closed this merchant account.
Initial Consumer Rebuttal /* (2000, 7, 2014/10/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 8, 2014/12/15) */
CPAY management spoke with [redacted] on 11/24. There is no valid reason to void this agreement. [redacted] voiced her concerns with regards to the PCI Compliance fee. This has been offered to be credited in full as a courtesy upon her...

completion of the Self Assessment Questionnaire as required by the PCI council. [redacted] was advised that we have solutions for all her problems, however she refused to allow our staff to assist. Since [redacted] was adamant on cancelling the account without cause she was offered a reduced Cancellation fee of $200. [redacted] asked what would happen if she went out of business. CPAY agreed to cancel with no cancellation fee if the business did in fact close. [redacted] stated she was to discuss this with her husband and advise of the direction she wished to take. CPAY is still more than willing assist [redacted] and these offers are on the table if she allows CPAY staff to assist.
Initial Consumer Rebuttal /* (3000, 11, 2014/12/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like to close my account with no cancellation fee because, as I advised [redacted] on the phone, I am no longer operating my business. However, I am not accepting the response simply because I want clarification on the process and make sure I am on the same page as CPAY, as I was advised by the Revdex.com representative.
[redacted] stated on the phone I had to prove that I no longer had the business. As I expressed to him, I am not sure how to do so. I am a sole proprietor with no employees and not even a tax identification number. I work alone and file business expenses with my personal taxes. The only thing I can think of is to cancel my business bank account and show proof of such once the refund from Central Payment has gone through because, at that point, I will not need it any longer. I am pregnant and unable to continue operating the business. I want to cancel my account as [redacted] my initial Central Payment representative said I could, because I am not running the business. That would mean I would not have to pay the cancellation fee as offered above.
So again, the terms are agreeable in the sense that I want to cancel without a cancellation fee because I am no longer operating as a professional and now stay at home with my son. What I "disagree" about is I just want clarification because I have no way of proving so, other than closing the bank account once the refund I was promised is issued, and trying to provide proof of such.
Final Business Response /* (4000, 15, 2015/02/04) */
2-4-15
Sent via email:
I've read [redacted]'s response and your email.
I understand according to the numerous websites online that the business is still operating and her voicemail also still also states her name at [redacted] If [redacted] is currently not operating due to her baby being due, no problem, we can definitely place her account on "Hold" status rather than closing while under contract until she is ready to resume her business. While the business is on "hold" there would be no monthly fees. Furthermore, I can even go back and issue the four months of non-compliance fees.
As you can see there are several options that we have presented to [redacted] in all situations she has presented and we are still more than happy to accommodate her needs.
I hope that we are able to make this work out for [redacted] as easy as possible for her as we definitely do not want to cause any stress.
I do not mind contacting [redacted] directly once more if necessary, or she can feel free to contact me directly via phone or email as well.
Thank you,
[redacted]
Director of Merchant Relations
Central Payment
(P) XXX-XXX-XXXX Ext. [redacted]
(F) XXX-XXX-XXXX
[redacted]@cpay.com
www.cpay.com
Final Consumer Response /* (2000, 17, 2015/02/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I agree with the offer to close my account with CPAY with no charge. I no longer am running my business, but in fact now stay at home with my son, home-schooling him, and am no longer self-employed. I will continue my role as a stay-at-home mom and will be homeschooling my oldest even after my next child is born.
As stated in CPAY's initial response, the offer to close my account with them if I am no longer running the business is acceptable to me. I accept the offer to close my account without paying anything further. I will be in contact with [redacted] today (2/10/15), which he stated to me in an email to me last night, 2/9/15. I can additionally forward the personal emails that have been sent in the past week regarding resolving the problem between [redacted] and I. The emails explain that I had simply forgotten to seek out and delete the websites that had the [redacted] B's listings on them and had forgotten to change my voicemail. I have unlisted the info/listings for Sweet B's as far as it is in my control (e.g. Yelp only lets me delete the info on the page, not the actual listing), changed my voicemail, and changed my Facebook page to state it is simply a photo-journal and no longer a running business serving the public. I had deleted my website well over a month ago in December (12/2/14) as a result of me closing down and simply had forgotten to tie up these loose ends, which are now taken care of.
I am looking to resolve this issue with CPAY and go our separate ways peacefully and respectfully. I will forward the emails I spoke of above to make sure I provide the most information as possible and will report any further conversations with [redacted] or any other CPAY representatives I have in the coming days.

Initial Business Response /* (1000, 5, 2014/09/15) */
[redacted]'s account has been closed at her request through her 30 day written notification. [redacted] contacted our office in July about having concerns with her account. However, [redacted] was unwilling to allow our representatives to assist...

in resolving her issues. The account was closed with August month-end fees credited against her cancellation fee.
Initial Consumer Rebuttal /* (3000, 7, 2014/09/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The bills I keep receiving from this company state I owe processing fees from July, August, September. This company has not processed any business for my comp0any since June when I mailed back their processing machine. I did try to resolve matters with this company. I keep getting different answers from every department within their company. I want them to quit sending statements from months that I obviously had no business dealings with them. I want other small businesses to be aware of their shady business practices before they get involved with this company. I took them for their salesmans honest word and it has cost me dearly and has been the worst experience ever with a processing company. I think there needs to be stricter regulations to protect the small business owner from dishonest company dealings.

Initial Business Response /* (1000, 8, 2015/05/01) */
This client is using the Revdex.com service with no cause. The customer contacted our office in April to let us know she was switching processors for lower rates. Our staff has offered assistance and has made the customer aware of the our...

Lifetime Price Match guarantee so that she still receive the same if not better rates than what she was proposed. Instead of taking this offer a complaint was placed with the Revdex.com. Our offer is on the table and we will be more than glad to assist if the customer permits. This client entered a 36 month agreement, which will be complete on 8/9/16. This client agreed to the terms and conditions of the agreement and further acknowledge and signed the attached addendum regarding the retraction of her previous processor's cancellation fee in the even the client does not honor the 36 month term.

this guys are really bad they keep your money as long as they can and they frozen your account without any valid reason. they frozen my account twice in a week and kept my money for more than 4 days. I have to call them and spend more than an hour on the phone, trying to unlock my account and then they requested to send a fax with the receips and the customer signature in order to get my money the following day.

Shady sales reps who are fast talking and race to get a signed contract. If you go with this company, be certain to take the TIME to read every detail of the contract, and make CERTAIN that your rep includes everything they promise you ON THE contract. Do not assume this is a nice company. It is not. I prefer to do business with an ethical company who will stand behind thier reps. My local rep stopped responding to questions as soon as he had a signed contract. There are MUCH better, and simpler options out there. Stay away from this company.

Initial Business Response /* (1000, 12, 2014/08/26) */
CPAY has attempted to get in contact with [redacted]. While there is no fault on CPAY's side, we will close [redacted]'s account as a courtesy.
Initial Consumer Rebuttal /* (3000, 14, 2014/08/27) */
(The consumer indicated he/she...

DID NOT accept the response from the business.)
Close my account as in not charge the 700.00 that has already been biiled to me? I received a bill the other day from Central Payment for over 700.00 so until I receive something saying I will not be charged those fees that I have ALREADY been billed for I will not accept the response. And as far as CPAY not being at fault. Your employee that has a ton of complaints on him is at fault.

Initial Business Response /* (1000, 10, 2015/10/14) */
This consumer contact CPAY to close her account and submitted her 30 day notice of cancellation the second week of September. According to the terms and conditions her account has already been closed. CPAY has found no fault and all...

items have been handled according to the consumer's merchant agreement between her business and CPAY.

Initial Business Response /* (1000, 13, 2015/06/15) */
This account is closed. The Early Termination Fee has failed from being collected however CPAY has waived the $550 cancellation fee as a courtesy and will not be rebilled. CPAY was not made aware that the customer's business closed until...

he informed our office at which time we initiated cancellation process.
Initial Consumer Rebuttal /* (2000, 15, 2015/06/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Central Payment has stated they have waived the $550 Early Termination Fee and it won't be rebilled. They also stated my account is closed, so I expect no further monthly charges to my checking account. I would have preferred to have all the monthly charges refunded to me, however I accept their response as long as no additional charges are processed.

Initial Business Response /* (1000, 7, 2014/10/30) */
Mr. [redacted] opened two accounts with CPAY. He did not use one account. As a courtesy, CPAY has agreed to waive the Early Termination Fee in light that the account was not utilized. Mr. [redacted] has agreed to continue processing through CPAY on his...

second account and his concerns have been addressed and resolved.

Beware! Beware! Beware!

A friend got us into Central Payment for our business WHAT A NIGHTMARE!
First our 1099's for end of year taxes were all screwed up, I spent days trying to get the 1099's fixed but the person that takes care of it is seems to only work a couple of hours a day. He did say we should of received an email and mail concerning there issue. We NEVER received a letter or email..... we closed the account and received a call WHY DID YOU LEAVE US. Are you kidding me! Now after 3 months we received a bill for $856.00 and again to a collection company. We called and they said we sent you a letter and email concerning the bill. CRAZY COMPANY. We decided to go ONLY cash WITH OUR COMPANY!

Anyone looking for a new merchant service to square for your credit card sales do not use central payment. All sorts of hidden fees and not as many features. I'll use square over being lied to. I'm now $200 over drawn. I've notified my chamber of commerce, bank, local newspaper, news station and lawyer. This is nothing but feeding off the small business. Hell the sales man even noticed that we are a veteran company and shared stories of his family in the service and then stole from me! I won't stop telling people about this.

I am Contractor , we have been using central payment for more than 3 years. Every year we went online to do the PCI compliance, but central payment still charging us $15.00 evey month for nom compliance. We have to called them and fought to our money back. We decided to cancel the account with central payment to go with the Square. Central payment is still billing us or withdraw money from our business account
for a service that have been cancel ( $ 30.00 a month ). Please DO NOT USE CENTRAL PAYMENT THEY ARE NOT LOYAL . THEY DO NOT TELL THE THRUE
WHEN YOU SIGN THE CONTRACT WITH THEM. SCAM , SCAM