Electronic Payments, Inc.

Dear Revdex.com:Thank you for the ability to respond to this client's concernsIn our Agreement (not fine print, but full size) we have a Meet/Beat guaranteeWhat that means is that if a client wishes to cancel, we ask that they complete a cancellation form and if they receive another offer, we'd be glad
to look at it and meet or beat the offerWhen an agreement is signed, we want to ensure the agreement is fulfilledAfter the agreement term is fulfilled, there are no penalties for closing the account.We are extremely eager and willing to work with any client to make them happy.That said, this client has not spent one dollar in cancellation penalties. The account rejected various charges because of NSF and after no response to our internal collections letter the account is now in outside collections because they have not paid the Early Termination fees owed per the Agreement and they have not returned the equipment we placed at their location for use while using our services. They were provided VeriFone ** *** ** *** which still remains unreturned to this company.The reason we have a Meet/Beat guarantee is to avoid these situations. On 2014-01-**, the client called in and we advised him of the terminal placement and our meet/beat rate policy:HE CALLED FOR ASSISTANCE WITH THEIR VX510IPTHEY HAD TRIED TO REPROGRAM THE TERMINAL TO THE MERCHANT ACCOUNT THEY ESTABLISHED WITH THEIR BANK. I EXPLAINED THAT THE TERMINAL WAS A PLACEMENT TERMINAL LOCKED TO US AND THAT WE ALSO HAVE A MEET OR BEAT RATE POLICYHE SAID HE WOULD REPROGRAM THE TERMINAL BACK TO US AND FINISH OUT HIS CONTRACT TERMHE WILL ALSO CONTACT THE REP TO SEE IF HE IS WILLING TO MATCH THE INTERCHANGE AND BASIS POINTS HE SAID THE BANK WAS OFFERINGI WALKED HIM THROUGH GETTING THE TERMINAL SET UP FOR THE DOWNLOAD WHICH CONNECTED BUT FAILED JUST BEFORE HE GOT THE FIRST STARI WALKED HIM THROUGH RESTARTING THE DOWNLOAD AND HE IS GOING TO CALL BACK WHEN IT FINISHES TO RUN A TEST SALE. We hadn't heard from this client again until August (and did not receive written notice of any kind asking to cancel, be it on our form or in a letter) at which time the merchant called to cancel and we advised them of this:2014-08-** - MERCH STATED HE BEGAN PROCESSING WITH A NEW COMPANY IN JAN B/C THEY WERE ABLE TO SAVED HIM OVER $I OFFERED THE MEET/BEATMERCH DECLINEDMERCH REQ CXL VIA EMAIL TO ***MERCH THANKED ME & CALL ENDED.We always want to remain competitive, but if the client doesn't give us the chance, and doesn't return equipment owed, we cannot fix the situation they are now in. The client simply did not read and/or follow the Agreement he signed and wants to blame the sales representative and/or this company.To close this case, we're happy to remove the client from collections upon return of the equipment still in their possession or the payment of $for the equipment to the collections companyThey may contact the collections company at ###-###-#### to close the case with a payment or send the terminal back to Electronic Payments, Equipment Returns, *** *** *** *** ** ***.Please let us know if we can assist further in closing this matter to the satisfaction of the customer.?

We have closed the account and posted a $refund as a professional courtesy to this clientThey will see a deposit on 2-**-2015.However, the last call we received from them was on in October 2014:MRCH CALLED TO FIND OUT WHY THIS ACCT IS OPENHE WASNT READY TO SETUP AN ACCT BC THEY ARE NOT GOING
TO PROCESS UNTIL NEXT YEARHE THOUGHT THE REP PLACED THE ACCT ON HOLD. I LET HIM KNOW THAT WE WERE NEVER TOLD THAT THE ACCT SHOULD NOT BE OPEN AND TOLD HIM THAT I WILL SEND OVER A CXL FORMHE IS GOING TO SW HIS REP ABOUT THE FEES BILLED AND POSSIBLY OPENING WITH US NEXT YEARHE THANKED ME FOR THE HELP. We have never received the cancellation form back or any additional correspondence from the merchant, so the account remained open and ready to process

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 been resolved.  I would like to make it clear that I did try and resolve this issue with the company prior to lodging this complaint both via email and by phone with no satisfactory outcome.  The company's response to this complaint is also insulting to my integrity and filled with inaccuracies that are too numerous to address.  The bottom line is that the initial agreement for the company's service was misrepresented by the salesman.  The salesman did not return our phone calls, the company appeared to not want to resolve the issue, so we felt that we had no other alternative than to file this complaint.
Sincerely,
[redacted]

This client's account is already closed. On a side note, it's a shame a customer will complain to the Revdex.com and have no calls to resolve the issues with their account. They switched providers for "lower rates". We have a meet/beat guarantee where we won't be undersold. We have 24/7 support. We also...

earn $10-$15 per month profit on this particular account before we pay for our staff, rent, phones, etc.  So when the new provider's rates are not actually "lower" we'd be happy to bring the customer back. There's no termination fee. The account is closed. No further action is necessary. Next time, you should send over the proposal and/or discuss your concerns about your agent before switching and then filing a wholly unnecessary Revdex.com complaint that does nothing but tarnish our good name for no reason.
Sincerely,
Electronic Payments

Review: I have documented evidence that I provided written notice of desire to cancel services with Electronic Payments in the month of January, 2014. They continued charging my account at least through August. They then informed me that I had to provide written notice again, using only THEIR document because any other written cancellation would not be recognized. Their strong-armed insistence on their document includes permission for additional charges that their representative ([redacted]) assured me would be waved (with witness of Trainee [redacted]). [redacted] left the state and the company refuses to contact him about the assurances he made. After charging approximately $700 for services they did not provide after 1/**/2014 and causing nearly $600 in overdrafts charges by my bank by using an account we were no longer using, they sought to charge me an additional $2000 in termination fees. This organization relishes fine print, refuses to back up their field representatives (after having preyed upon whatever good-will their representatives had in the community), and charges 3 times as much for service by offering competitive "qualified" rates and then switching most charges to their much higher "non-qualified" rates.Desired Settlement: The unauthorized charges (fraud) and additional expenses far outweigh the stated $250 early termination fee. I request refund of the unauthorized charges and expenses above the $250 early termination fee.

Business

Response:

Dear Revdex.com:Thank you for the ability to respond to this client's concerns. In our Agreement (not fine print, but full size) we have a Meet/Beat guarantee. What that means is that if a client wishes to cancel, we ask that they complete a cancellation form and if they receive another offer, we'd be glad to look at it and meet or beat the offer. When an agreement is signed, we want to ensure the agreement is fulfilled. After the agreement term is fulfilled, there are no penalties for closing the account.We are extremely eager and willing to work with any client to make them happy.That said, this client has not spent one dollar in cancellation penalties. The account rejected various charges because of NSF and after no response to our internal collections letter the account is now in outside collections because they have not paid the Early Termination fees owed per the Agreement and they have not returned the equipment we placed at their location for use while using our services. They were provided VeriFone [redacted] which still remains unreturned to this company.The reason we have a Meet/Beat guarantee is to avoid these situations. On 2014-01-**, the client called in and we advised him of the terminal placement and our meet/beat rate policy:HE CALLED FOR ASSISTANCE WITH THEIR VX510IP. THEY HAD TRIED TO REPROGRAM THE TERMINAL TO THE MERCHANT ACCOUNT THEY ESTABLISHED WITH THEIR BANK. I EXPLAINED THAT THE TERMINAL WAS A PLACEMENT TERMINAL LOCKED TO US AND THAT WE ALSO HAVE A MEET OR BEAT RATE POLICY. HE SAID HE WOULD REPROGRAM THE TERMINAL BACK TO US AND FINISH OUT HIS CONTRACT TERM. HE WILL ALSO CONTACT THE REP TO SEE IF HE IS WILLING TO MATCH THE INTERCHANGE AND 10 BASIS POINTS HE SAID THE BANK WAS OFFERING. I WALKED HIM THROUGH GETTING THE TERMINAL SET UP FOR THE DOWNLOAD WHICH CONNECTED BUT FAILED JUST BEFORE HE GOT THE FIRST STAR. I WALKED HIM THROUGH RESTARTING THE DOWNLOAD AND HE IS GOING TO CALL BACK WHEN IT FINISHES TO RUN A TEST SALE. We hadn't heard from this client again until August 2014 (and did not receive written notice of any kind asking to cancel, be it on our form or in a letter) at which time the merchant called to cancel and we advised them of this:2014-08-** - MERCH STATED HE BEGAN PROCESSING WITH A NEW COMPANY IN JAN B/C THEY WERE ABLE TO SAVED HIM OVER $400. I OFFERED THE MEET/BEAT. MERCH DECLINED. MERCH REQ CXL VIA EMAIL TO [redacted]. MERCH THANKED ME & CALL ENDED.We always want to remain competitive, but if the client doesn't give us the chance, and doesn't return equipment owed, we cannot fix the situation they are now in. The client simply did not read and/or follow the Agreement he signed and wants to blame the sales representative and/or this company.To close this case, we're happy to remove the client from collections upon return of the equipment still in their possession or the payment of $450 for the equipment to the collections company. They may contact the collections company at ###-###-#### to close the case with a payment or send the terminal back to Electronic Payments, Equipment Returns, [redacted].Please let us know if we can assist further in closing this matter to the satisfaction of the customer.?

Review: I signed a contract with Electronic Payments on 10/**/2012 with their representitive, [redacted]. I specifically asked [redacted] if there would be any early termination fees before I singned the contract. [redacted] said, "Don't worry about any termination fees as they can be waived". I agreed to sign the contract based on this verbal agreement. I have now found anther company with a better rate than what Electronic Payments is providing me, so I have asked them to cancel our contract. I spoke with [redacted] at Electrontic Payments and he said, "there is an early termination fee of $630.00". I explained to [redacted] that I have an agreement with [redacted] that there will be no termination fees before I signed the contract. I explained to [redacted] that I do not want my bank account debited the $630.00, since I did not agree to the early termination. Well, Electronic Payments has charged my back account the $630.00. I would like for them to credit the $630.00 back to my account. I have since tried calling [redacted] multiple time and even today have left him a message to call me back, which he has not. I will continue to call [redacted] to have him explain to Electronic Payments our verbal agreement of no termination fees.Desired Settlement: All I ask for is the $630.00 that Electronic Payments has debited from my account, without my permission, to be credited back to my business banking account.

Business

Response:

In the Agreement signed by the client, there was no mention of any termination fees being waived. All of our agreements are in writing and document the terms and conditions of the relationship with the merchant. We do not charge any termination fees if a merchant fulfills their agreement and we offer our Meet/Beat rate guarantee to always ensure our rates are competitive and merchants don't have to switch and sign new contracts. We also don't offer any verbal commitments or agreements and it would seem this dispute is with the sales agent over what was said. We memorialize all verbal comments in writing. Our Confirmation Page - signed by the client - also specifies these terms in writing. We would be glad to review the current rates of this client and match them to bring him back to our services to fulfill the agreement. Under those terms, we would also refund the fee for terminating the agreement. He can call customer service at ###-###-#### Option * and we would be glad to perform that rate review and look over his new contract as well.

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:

First, prior to agreeing to accept services from Electronic Payments, I ([redacted]) specifically inquired into whether any agreement would involve a termination fee should [redacted]) elect to terminate services. I ([redacted]) was informed by Electronic Payment’s sales agent, [redacted], that I would not be charged a termination fee should I elect to terminate services. The flexibility to change service was material in the decision to contact with Electronic Payments and [redacted] agreed to accept services in reliance on these statements. If Electronic Payments is taking a position that an agreement exists requiring the payment of a termination fee, then [redacted] was fraudulently induced into agreeing to accept services from Electronic Payment.

Review: We were an Electronic Payments customer for 3-1/2 years until we sold our business on February **, 2015. We contacted Electronic Payments on 2/**/2015 and advised [redacted] that the account would be closed effective at the end of the billing period (February **, 2015). [redacted] sent us their 1-page form (already filled out) to cancel the account. I signed the form and returned it immediately. I have all of the documents and the email correspondence. Electronic payments withdrew $54 from our bank account on April [redacted] and again on May [redacted], 2015. I contacted them immediately on May *, 2015 advising the unauthorized deductions. Electronic Statement's customer service department advised that they had the verbal cancellation documented, but they did not receive the written cancellation notice and therefore they deducted the amount (which was more than allowable by contract). Again, I have all of the documentation showing that the account was cancelled - verbally and in writing. I wrote a very cordial email to the president of the company and he chose not to answer. I respectfully request reimbursement of the $108 that was illegally deducted from our account. The bank account has since been closed, so we will require a check for reimbursement of the unauthorized charges. We are hoping that Revdex.com can resolve this before we pursue it through other means.Desired Settlement: Electronic Payments, Inc. should send a reimbursement check for $108 to the address they have on file for us.

Business

Response:

It is our policy to close accounts when a cancellation form is received only. This prevents someone from calling in to close the account that is not the authorized signor. Many times, we've had ex-spouses, business partners, employees, etc., attempt to close accounts and they have had access to information related to the account by working at the business location or being involved with the owner. The delay in cancellation could have been avoided had the customer called 5 minutes after faxing or emailing the cancellation form. As a courtesy, we've mailed a check for $108 to and payable:[redacted]We can only send checks to individuals per escheatment policies of closed businesses. Please allow 10 days for receipt.

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. This agreement is contingent upon receiving the check for $108 as offered by the business.

Sincerely,

Review: I had a salesman come in my store and claim to be able to save my business more money using this company than my previous company I was using to accept credit cards. I am paying more in fees now using this company than with the previous company. I am a new company and I did not want a contract with anyone. I was told that I did not have a contract and could cancel at any time without any problems. I was never told there was a cancellation fee. I would not have used this company if I had been told I would be in a three year contract and would have to pay a fee to cancel. I was never told I would be charged a monthly fee. And I was told that if my monthly sales went below $2500.00 that I would be charged $25. My sales for one month was $6000 and I was charged $25. I have been charged $25-30 a month for having this. It is costing me much more money than my previous company. I am very upset and feel like I was mislead by this salesman. I will not recommend this company.Desired Settlement: I will send back the equipment and I want everything to be cancelled with this company without a cancellation fee.

Business

Response:

This client's account is already closed. On a side note, it's a shame a customer will complain to the Revdex.com and have no calls to resolve the issues with their account. They switched providers for "lower rates". We have a meet/beat guarantee where we won't be undersold. We have 24/7 support. We also earn $10-$15 per month profit on this particular account before we pay for our staff, rent, phones, etc. So when the new provider's rates are not actually "lower" we'd be happy to bring the customer back. There's no termination fee. The account is closed. No further action is necessary. Next time, you should send over the proposal and/or discuss your concerns about your agent before switching and then filing a wholly unnecessary Revdex.com complaint that does nothing but tarnish our good name for no reason.

Sincerely,

Electronic Payments

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 would like to make it clear that I did try and resolve this issue with the company prior to lodging this complaint both via email and by phone with no satisfactory outcome. The company's response to this complaint is also insulting to my integrity and filled with inaccuracies that are too numerous to address. The bottom line is that the initial agreement for the company's service was misrepresented by the salesman. The salesman did not return our phone calls, the company appeared to not want to resolve the issue, so we felt that we had no other alternative than to file this complaint.

Sincerely,

Review: I was visited by a lady (Fabiola) working for Pro Charge/Electronic Payments in March 2015. She told me that she could lower my charges when accepting credit cards at my business. She told me I would only be charged .05%, no min. monthly usage, no contract. Sounded good so I signed up. I signed her paperwork. NOT a contract with Electronic Payments. I made sure I asked many question about the ONE paper I did sign. She told me it wasn't a contract just info that her company needed to deposit the money into my bank acct. I started using her Pro Charge device with my phone. I received my first statement & noticed that I was being charged 4% not .05%. So I called Fabiola. She never called me back. I kept using the Pro Charge in April. Got my second statement & again was charged 6.75%. This time I called Electronic Payments & was told "Well, those are our charges, Period." So I called Fabiola again. She never returned my call. Decided in May to not use Pro Charge to see what I would be charged with no usage. Got my third statement & was charged $20. So I called Electronic Payments again. I was told that was their monthly charge. I informed them that I was told I had no monthly usage or charges. He proceeded to tell me I did. Again I tried to call Fabiola. Still no call back. I went to my bank & closed that acct. In June I received a statement that said I owed $20 plus another $35. I called Electronic Payments & told them I had closed my acct. because they were charging me for things I had not signed up for & that I was no longer using their device. They told me I had a 3 yr. contract. I told him I DO NOT have any contract with them. That's why I signed up to try Pro Charge. In July I received another statement saying I owed them another $55. I ignored this letter because when I try call them I get no where. Then in Aug. I received a letter stating that I now owe $11 processing fee, $70 non sufficient funds fee & that THEY had terminated my merchant acct. AND I also had a $1190 early termination fee. Really? Early term. fee when I have NO contract & was promised no min, usage. I decided to text Fabiola instead of calling. She texted me back & said she would call me. I texted her back & said you never did last time. She promised she would. She did call me later that night & I told her what was happening. She PROMISED me that I had NO contract, NO min. monthly usage & should not be being charged 4%-7% on my charges & that she would contact Electronic Payments & get back to me. She has yet to contact me regarding this issue. On Aug. ** I received an email saying I was being turned over to collections & that I needed to contact Michelle T[redacted] immediately. I replied to her email spelling out this story & she emailed me back saying she did not care & that I owed Electronic Payments $1994.71 & it must have been a misunderstanding. You think? She did send me a copy of the contract I supposedly signed. I have NEVER seen this form before & I DID NOT sign it. On Monday I received a message on my business answering machine threatening me with all kinds of legal action & also threatening to contact the IRS. Seriously? This company is out of control.Desired Settlement: I would like to no longer receive ANY letters from Electronic Payments saying I owe them money. I would like to no longer get letters from collection agencies saying I owe money to Electronic Payments. I would like to no longer get ANY calls about this situation. I have closed my acct. so they can no longer take money out of it so no money needs to be refunded to me. I just want to be left alone!!!

Business

Response:

This merchant's account is closed. There are no further obligations to Electronic Payments or any collections company.

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.

Sincerely,

Review: In May of 2011, the president of our softball league entered into an agreement with Electronic Payments for the use of a credit card machine for the purpose of our dinner/dance fund raiser. [redacted] resigned as president in December. I contacted their representative in regards to having the machine transferred into my name in May of 2012. It was my understanding that they would not take our non-profit tax ID number, that it had to be connected to a personal social security number so I provided mine. In June of 2012 they began charging double the monthly fees, which I did not notice until August of 2012, since our season ended in June. I contacted them and they told me our representative had filed incorrect paperwork and I should get in touch with her. I told them our representative had moved to Oklahoma and I couldn't get ahold of her. They stopped the double payment but did not offer any reimbursement for the overcharge. I contacted them again in May of 2014 to terminate our required 3 year agreement. They said our account started in 2012. I again explained it was not a new contract but a transfer of responsibility. Each time I have tried to resolve this they refuse to listen or make any corrections while they continue to withdraw money through auto pay.Desired Settlement: Refund for the double payments they took out in error. Honor the termination date on agreement as originally entered into in May 2011 and refund payments taken beyond that termination date of May 2014

Business

Response:

The merchant hung up on our representative.MERCHANT CALLED TO CANCEL HER ACCOUNT I OFFERED THE MEET OR BEAT THEY SWITCHED BECAUSE OF THE RATES ON THE ACCOUNT AND THEY SWITCHED TO PAY PAL 2014-09-** 12:55:16 PMI EMAIELD THE REP BECAUSE OF THE CANCELALTION AND THE MERCHANT SAID THERE SHOULD BE NO ETF AND WILL CALL THE Revdex.com AND HUNG UP ON ME.The agreement CAN be cancelled and there is NO ETF. Please complete a cancellation form with Customer Service and email or fax in. Then call to confirm that it was received. Please don't hang up the phone and file a Revdex.com complaint before being given all the information on your account.

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.

Sincerely,

Review: I bought a point of sale system for my business but never activated it. This company was hired by pos company to process credit card payments. How ever system was never activated. I got a credit card processing statement from Electronic payments with $0 in credit card transactions process for the month and a $30 fee charged to me. I called them after my first statement and canceled but they wouldn't refund me the $30 fee. I've been getting statements still charging me a $30/month fee for $0 transactions.Desired Settlement: I would like a refund for the $30 fee they have been charging me every month and for an explanation of why they told me they canceled it the first time I called but they obviously did not.

Business

Response:

We have closed the account and posted a $150 refund as a professional courtesy to this client. They will see a deposit on 2-**-2015.However, the last call we received from them was on in October 2014:MRCH CALLED TO FIND OUT WHY THIS ACCT IS OPEN. HE WASNT READY TO SETUP AN ACCT BC THEY ARE NOT GOING TO PROCESS UNTIL NEXT YEAR. HE THOUGHT THE REP PLACED THE ACCT ON HOLD. I LET HIM KNOW THAT WE WERE NEVER TOLD THAT THE ACCT SHOULD NOT BE OPEN AND TOLD HIM THAT I WILL SEND OVER A CXL FORM. HE IS GOING TO SW HIS REP ABOUT THE FEES BILLED AND POSSIBLY OPENING WITH US NEXT YEAR. HE THANKED ME FOR THE HELP. We have never received the cancellation form back or any additional correspondence from the merchant, so the account remained open and ready to process.

Review: I cancelled this Agreement before it ever started. I decided the rates were to high, and the Agent lied to me about minimum charges, which they have been charging me for months after I cancelled. They have been called and faxed to several times and have promised to refund charges but they have neither made the refunds nor stopped billing me, as I received again today.

They first charged .12 on 8/**/13; then $30.00 on 9/**/13: $30.00 on 10/**/13; $30.00 on 11/**/13: ALL AFTER CANCELLATION

TOTAL $90.12Desired Settlement: REFUND MY MONEY and stop billing me for a service that was cancelled, never used, and unwanted.

Business

Response:

All of our phone calls are logged. This client has never called into Electronic Payments customer service at ###-###-#### Option 4. On 11-**-2013, we received a notice to cancel the account from the client via mail/fax/email. We have a form that is required to be completed on our paperwork. Furthermore, this client is in possession of our credit card terminal shipped via FedEx on Tracking Number: [redacted] It was delivered on 8-**-2013.

Equipment Sent via Fedex Ground, Tracking:[redacted]. Package Shipped to [redacted]

While this client may want to close their account, we must receive notice on our cancellation form (which can be obtained by calling our CS number at ###-###-#### Option 4. We must also receive the free-use terminal we provided back to us at EP, Attn. [redacted]

Unfortunately, this cancellation could have taken place any time prior to this Revdex.com complaint if the client simply called the number on the top of their statement. They have no issue locating the company to file a complaint, but can’t pick up the phone and call our Customer Service department and/or ship back the equipment to the address on the top of the statement.

We look forward to closing this account once the equipment is received and the cancellation form is completed. Please call CS at ###-###-#### Option *.

Sincerely,

Customer Service

###-###-#### Option *

Review: I had been with Electronic Payments for 1.5 years when we moved our business to a busier mall location. I was in the market for a new POS system and our sales guy told us about [redacted]. We did the demo and signed up for it. They have a 60 day contract. It seemed as though it would be a good system for us. We received it in the beginning mid November and it took over 2 weeks for Electronic Payments to figure out how to get my inventory uploaded into [redacted] for us to use. We finally got up and running Nov [redacted]. We were having inventory control issue as staff was trying to learn the system and making mistakes. With [redacted], if you scan an item to price check or purchase, it takes item out of inventory, even if the sale doesn't actually complete. Item has to be manually added back in as a new item. This doesn't work for any retail business to control and manage inventory. I found out on Nov [redacted] and obviously saw there was no way to run a business with this system. I told them I wanted to cancel. During the lengthy time that it had taken to get my inventory and system up, I was told by their head [redacted]ales guy that I wouldn't have to pay for something that didn't work. So I asked about how to cancel and if I would be charged for a mess of a POS system that didn't work for an actual retail business trying to operate in a busy environment. Any business really needs to have better inventory system, especially for $124/mth.

It took my sales guy until after Thanksgiving to reply (via text) that he was looking into it. I actually signed up for lightspeed (which I love) on Thanksgiving Day. Dec 3rd my sales rep forwards me a clip from the CEO of Electronic Payments saying there was no exception to the policy and I would have to pay the 2 months for cancelling since it cost the $297 for each system to be deployed and set up etc. Ok fine. That's what I agreed to so I ask repeatedly for how to cancel and send back the system. He says just send it back. I ask agia not there is a form to cancel the system. He gets the [redacted]ales guy to help and they said just write a note and send it to them. So I did on Dec [redacted] or [redacted]. I send the POS system back in January. I waited to send it back since the contract says I had to pay for 60 days and return within 15 days of the end of term. I didn't send it in December since I had to pay for the crap of a system anyways. Well the contract says 60 days, but I was charged in Februay. Why? Not because I had the equipment until mid end of January, but because they TRaNSLate the contract to be 60 days after the month that you send a written cancellation. Literally I had to beg to find out how to cancel and ask to send a form. Now they have charged me for November, December, January, and February. For something I used for 4 days. And my books are a giant mess since who knows what actually was sold or stolen or whatever.

I also told my sales guy in December that I wanted to just cancel my merchant account. The lack of service and response and the extra charges was far too much for me to deal with. I was just done. He said ok. Send the equipment back and good luck with your new merchant. I think I switched over to the new merchant (lower cost too!) in mid January. Well, February hits and I get charged $35!!! Why, because I apparently needed to send a cancellation form to them. The fees were my $5 monthly, $5 PCI mgmt fee and $25 minimum monthly charge fee. I don't know what the PCI fee is, I think for a questionnaire. We had completed and sent it but they are still charging us for not filling it out I guess.

I finally get a reply from the [redacted]ales rep that has been a little helpful, because my sales rep has not replied to any texts, phone calls, voice mails, or emails since December!!!

The reply after looking into it for a month is what I was already told by billing about being charged for 60 days after the month of cancellation, even though that is not what is in my contract. And I have to pay this $35 for February since I didn't send a cancellation form in December/January to cancel my merchant account. I'm just appalled at how this company just takes money and makes up their own rules to do it. I had been happy with Electronic Payments and even tried in January to get my sales rep to keep our merchant acct, but he just didn't reply after I told him I wanted to cancel. I'm apparently stuck with these outrages charges. It is absolutely the worst service I've gotten in running my business. We own 3 businesses and never have we just been cast off like this.Desired Settlement: I would like a refund for the [redacted] POS system charges For at least 2 months. I was told verbally that I wouldn't have to pay for November since it wasn't operational until late mid November and since I verbally cancelled (and by text to sales guy) in November. I feel the company should refund all 4 months of fees since the system software they are selling doesn't do what they say. I also want refund for the $35 charge for the month of February that we didn't use their service after cancellation.

Business

Response:

To whom it may concern: We respectfully disagree with the client’s assessment of their experience. The client demoed a system called [redacted] provided by a company called First Data. The retail price of this system is $1299, not including shipping to the client or setup. Instead of charging for a full purchase, we place the system at the location for a monthly fee. Once a client’s account is approved, we deploy (ship) to them and there is zero up-front costs to have us provide a $1300+ POS system to them. The only term we have is a 60-day opt out clause. In other words, the client can give us notice they wish to opt out and will be billed for 3 months and nothing more. Our expectation is they write a letter saying they wish to cancel and then return the equipment as soon as possible. In this case, if the client was not happy in November and provided notice by November [redacted], they would’ve been billed for November, December and January as long as the equipment was returned within 15 days of the time when they can return the equipment. For example, if they give us the 60 day notice on November [redacted] (which they could’ve done after signing up for Lightspeed), that would allow them to cancel completely on January [redacted]. We would need to receive the equipment by February [redacted] (15 days after the January [redacted] date.) However, that is the end-limit of the return period. They could just box the equipment and return the equipment on Decembe[redacted], for example, and just have the fee billing for Nov, Dec and Jan. In this case, to date, we have not received a merchant account cancellation request (however we have closed their merchant account). That is why there was a February fee. We did receive on 12-10 a request to cancel the [redacted] Placement Program which would put their 60 day notice date to February [redacted]. The note said the merchant account was remaining open because the merchant was remaining on board, presumably with another processing option. Many accounts that cancel the [redacted] product use other methods of processing and the agreement states, “This Agreement is a separate and apart from the Merchant’s merchant services account and the termination provisions of this Agreement do not apply to the early termination provisions in such Merchant Agreement.” Section 9(e) of [redacted] Placement Agreement. We also received the equipment back on January [redacted] and while their 60 days notice would have them billed for December, January and February, they were not charged for February. This recognized their late start at the end of November. To date, they were billed $124 for November, December and January which is exactly in-line with what they should be charged for the program and in all three of those months, the equipment was in their possession for a part of the month. They were not charged $124 for 4 months. They were charged $35 for February because we were instructed that the account would remain open. There was active processing through 1/**/2016. If they switched to Lightspeed on November [redacted], Unlike other companies that charged the monthly fees for their POS programs every month for 5 years, regardless of whether you have the system for 1 week or 100 weeks, we have a very easy and simple policy that to date, not one of our 550 other [redacted] customers has complained about. We don’t take advantage of clients and don’t offer leases which are non-cancellable. The client did not like the solution they chose to move forward with and was allowed to have the equipment in their possession for 3 months and pay $372 with no other expenses except their normal merchant account fees. We also have not charged a cancellation fee for their merchant account. I’ve attached the [redacted] Placement Program agreement signed by the client. Section 9 highlights our termination clause and Section 4 are the obligations of the merchant.

Review: Sales representitive came into my business and said they would lower my rates. The increased my fees and fail to respond to me.Desired Settlement: Company should reduce my fees lower then my existing contract or cancel my service without a cancelation fee. Representive lied to me and told me there would be no fee to cancel. English is my second language and I feel I have been prayed on by this company. Over and over he promised my rates would be lower on the next bill. Month after month.

Business

Response:

We investigated this case and consider the matter closed.

The merchant does not have any obligation to Electronic Payments or even an open/active account. There has been no termination fee charged and this account isn't even open.

If the merchant feels that we took advantage of him because "English is his second language" we would be glad to replay the phone calls where he spoke perfect English.

Nonetheless, we consider this matter closed as there isn't an open/active account or any pending cancellation fee, nor any cancellation fee charged.

Merchant owes no money and we're not sure why any complaint was filed.

Review: We are persuade by this company for a couple of years, promising a great rate on credit card processing, and a free machine to sign up with them. We had a storm last August of 2012, and our current machine was struck by lightning. With our current company, explaining to us that we would have to pay for a new machine before one could be sent out; we decided to give Electronic Payments, Inc., a call. They air shipped us a new machine next day, so we could get back to credit card processing going as soon as possible. We finished off the season, and started noticing more and more charges being put on our statement. We were always being contacted by other companies, asking to give them a look and they could save us money. Well, we were given a deal with our bank for a credit card machine, and it was such a cost reduction, that we gave notice to, Electronic Payments, Inc., and switched processing over to our bank. They continued to hit us for a monthly $40.00 charge, and when we notified them again, they pulled out $980.00 without authorization out of our bank account. The bank could not explain where the debit came from, so after a week, the fraud department of the bank, finally found out that Electronic Payments, Inc., had taken the money out. I had them reverse the $980.00 and they had their attorney call me, last Friday. His name is[redacted], and threatened me, that I had a contract and they never received the machine back, his answer for them withdrawing $980.00. The machine was sent back by United Parcel Service, on the [redacted] of September, 2013. Now we are threatened on being sued, for the $980.00 for the balance of the contract. I informed him that wasnt going to happen, and we had another company that we had dealt with and cancelled and the cancellation cost us only approximately $250.00. Which seems to be standard with a lot of processing companies, to cancel a processing contract.[redacted] just called and said that Electronic Payments, Inc., would settle for $508.00. After a ten minute conversation back and forth, I agreed to settle, just to get them off my back, so to speak. I explained to him, I would be sending a letter of complaint to the Attorney Generals office for the State of Ohio, and to OMEDA, regarding this matter.[redacted] threatened me,and told me he would sue me. Well here is the letter, and a copy is going to the Attorney Generals office. I would not recommend this company, after a five month period of time, trying to get this mess settled.Thank you for your time.Sincerely[redacted]Desired Settlement: I would like half of the money back $254.00. I feel after 5 months of dealing with this, I should not have to pay anymore than that.

Business

Response:

Enclosed, please find a copy of [redacted]’s (“[redacted]”) Agreement. As [redacted] has been able to reach us directly, this information has always been available from us in Customer Service. A copy of the Program Guide is also contained in the welcome kit, a URL is listed on the Confirmation Page signed by [redacted], and is available from Customer Service anytime.

Review: THE ELECTRONIC PAYMENTS CLOSE MY ACCOUNT. BUT I HAD NEVER CANCEL AND NOW I RECEIVE A PAYMENT OF EARLY CANCELATION FEE OF 1,400 . BUT I HAD NEVER CANCEL . SELL HAVE BEEN SLOW AND I HAD NOT USE THE CREDIT CARD MACHINE FOR A WHILE AND THAT WAS NOT MY FAULT BC I DONT HAVE SELL WITH CREDIT CARDS. THE ELECTRONIC PAYMENTS CHARGE WHEN EVER THEY WANT THEY DONT EVEN GIVE ME A DATE THAT THEY ARE GOING TO CHARGE MY PAYMENT .Desired Settlement: I AM NOT WILLING TO PAY THAT AMOUNT OF 1,400 BC I NEVER CANCEL. IF I OWED SOMETHING I AM WILLING TO PAY .

Business

Response:

This customer has rejected the fees owed each month on the account numerous times, each time costs the company a NSF fee similar to when a check bounces.MRCH REJECTED FEB EOMF FOR $7.60 DUE TO INSUFF FUNDSMRCH REJECTED THE FEB RESUBMIT EOMF FOR $7.60 DUE TO INSUFF FUNDSMRCH REJECTED MARCH EOMF FOR $84.02 DUE TO INSUFF FUNDSMERCHANT REJECTED APRIL EOMS IN THE AMOUNT OF $60.93 DUE TO NSF.MRCH REJECTED THE APRIL RESUBMIT FOR $ 60.93 DUE TO INSUFF FUNDSMRCH REJECTED MAY EOMF FOR $90.00 DUE TO INSUFF FUNDSMRCH REJECTED MAY RESUBMIT FOR $90.00 DUE TO INSUFF FUNDSMRCH REJECTED JUNE EOMF FOR $90.00 DUE TO INSUFF FUNDSMRCH REJECTED THE JUNE RESUBMIT FOR $ 90.00 DUE TO INSUFF FUNDSUnfortunately, because of the numerous rejected debits, we cannot continue to work with this customer. Their account is closed. No further balance is due on the account - we have written off the balance due. The customer can disregard any letters received.I wish the customer called Customer Service before filing a Revdex.com complaint. We would have been glad to discuss with the merchant and come to an amicable resolution.Account is closed. Balance due is $0.00.