iPayment, Inc.

Review: This has been the most miserable three years with this company!! They have no recollection of who my contract was orginally signed with; but, they can ALWAYS take money from my account for whatever reason they feel necessary. My initial contract agreement was that after three years of service, I would OWN my terminal. Once my contract ended May 2013, I called three seperate times to be SURE there was nothing else that needed to be done. Each representative confirmed that I had completed all of the required steps. One month later, $200 was taken out of my account because I "did not return the loaner terminal". It has been a complete nightmare and horrific experience with this company. BEWARE, they are listed under so many different names as a tactic to take money from your account. Absolutely horrible, I can not express how bad the company needs to be shut down. I am sure many others have had the same experience and just do not speak out about it. RUN FROM THE NAME IPAYMENT AS SOOON AS YOU SEE IT!!Desired Settlement: $200 refunded and terminal kept.

Business

Response:

The merchant

account was approved on 05/04/2010 per receipt of the signed application and

agreement. All fees billed were disclosed via merchant agreement and month

ending statements mailed to the address of record. A closure request was received

on 04/11/2013. The merchant requested the account be closed on 05/04/2013 at

the end of the 3 year term. The merchant account was closed on 05/04/2013. On

06/06/2013 the merchant called regarding a $200.00 debit for non receipt of

equipment. The merchant was advised that the terminal was a loaner terminal as

stated on the agreement signed and had to be returned at the end of the term or

closure. The merchant was given instructions for the return of the equipment.

Once the equipment is received a credit will be processed back to the merchant

for the $200.00 billed. A copy of the signed application and agreement will be

mailed to the merchant for their records.

Review: We are a Information Technology VAR and had a order from a client for 11 personal computers at $12,500.00. The client wanted to use his AMEX since he uses the points for hotel stays, I informed him to call AMEX to let them know his card would have a large charge for the equipment, which he did. I use the Flagship terminal program to enter in the charge and receive a message that the charge was "successfully processed". Three days later I received an email from Flagship saying that the transaction was being reviewed by their risk department. I spoke to the risk person assigned to review the transaction and even gave the clients phone to call and verify what I had told them, which I found out from my client that they did call. A couple of days later the risk person said that they were not going to process the transaction because that didn't want to incur the liability if my client was not satisfied. I question why they would be concerned with liability since they were just a conduit for the payment if there would be an issue the client would come to me. Regardless they said they were not comfortable and then said the charge exceeded my $2,500 dollar initial limit, what limit? Their terminal program didn't inform me that I had a limit or that I had exceeded it, it just stated "transaction successful processed" so I asked them if he would email me when they reversed the charges, all this time Flagship have been holding on the my client's $12,500. I was told by risk person that I had to credit the client to release the funds, which I did and the client sent me a corporate check and it cleared my bank, fine so I thought it was the end. When I checked my bank statement I see that Flagship charge me 490+ dollars I called up thinking I was a victim of identity theft. I was told that that was the "FEE" for refunding my clients money, so I had to pay 500 dollars because they didn't want to process the transaction. Why did they process it from the start, is one of my questions, why didn't their software refer the transaction to risk right from the beginning instead of processing it? It could have been put in a limbo till it was ether approved or not and since it was Flagship that required me to credit back my client why do I have to pay 500. The transaction wasn't canceled or stopped by ether my client or myself it was because of Flagship. That is a great business model process the payment then hold on to the money earning interest and then tell your customer that you are not going to do the transaction after the fact and asking them to refund the money to the client because it is the way it is done and then charge them on top.Desired Settlement: They need to fix their software and their processes to start and I would like a check for the 490+ dollars

Business

Response:

Please move this complaint to i-Payment’s profile. The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of I-Payment. Flagship's role in the sales process with this merchant is to explain the rates and fees associated with credit card processing and the equipment used for said credit card processing. We then assist the merchant through the application, underwriting and boarding process of their merchant application and merchant account install. At that point, they have a merchant account with I-Payment and all debiting and crediting and holding of funds are handled and determined by I-Payment and we have no control over such decisions.

Business

Response:

We have reviewed the customer’s complaint. I am showing the customer did indeed have a processing limit which is listed on their merchant agreement when their account was opened. The merchant’s account is set up to reflect any limits they are to adhere to, this is not something that goes into the programming of the equipment as each account varies. A card will not decline due to the processing limits of the merchant. Upon review of the account we have agreed to refund the transaction fees for the refund, however the account has recently been closed due to non-payment. The credit we will issue will be less the difference of the balance owed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10274969, and find that this resolution is satisfactory to me.

I would like to know how they will be refunding me the balance?

Thank you for your help and as an fyi I was never told there was a limit and there terminal software doesn't inform you of a limit.

Again Thank You for your help!

Regards,

Review: Friend of mine was signing people up for merchant accounts thru ipayment. Do I thought I would give it a try. Signed up for it. They called me to setup the merchant account for my business and I was just to busy. After about a week I realized I would never need the service or use it the phone calls also stopped. Next thing I know I am getting monthly charges and some intial start up fee. So I called company to cancel the service. Now I never used the service once and I was still being charged for it. So I spoke with a rep. And told them I never setup and never used the service and I would like them to stop taking money out of my bank account and turn the service off. They told me I had to fill out a cancellation form so I did and faxed to them. Next thing I know they charged my bank account a ridiculous cancellation fee for $375. Totally put my bank a account in the negative.Desired Settlement: I would like them to refund me all the service fees, installation fee, cancellation fee and my bank fees for account being over drafted.

Business

Response:

We have reviewed the customer's complaint. We do show the customer opened their account 10/25/13 and closed 2/10/14. Since the customer never used the service we have agreed to refund the 3 months they were charged and the Early Termination Fee they were billed. We will be submitting a check request to the address we last have on file in the amount of $419.85. The address we have on file is [redacted] W JU[redacted]A AVE City MESA State AZ Zip 85281

If this is incorrect please feel free to contact us and we can send this to a different address if needed. ###-###-####

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10215318, and find that this resolution is satisfactory to me.

Regards,

P.S address is wrong. Should be [redacted] e. *th st. Tempe, AZ 85281

Review: Hello,I am writing this letter to express my disappointment and displeasure about the poor service I received from your esteemed company. In the middle of November, 2014 which is in the period of the (30) agreement mention in the iPayment Inc. I had upon your customer service and spoke with your representative of iPaiment Inc about my problem. I was assured that somebody would get back to me within 24 hours with a solution. No one contacted me. Two days after I contact the same representative and one again I am assured that we will look into the matter immediately and get back to you. Three disgruntled days after, I still have not heard from anyone from your company. I am extremely disappointed, surprised and angered with the level of service a company as reputed as yours offers. I send a letter of the agreement cancellation starts on December 01, 2014 and trust you would provide me a full refund and other fees as you mention in your contract of $430.00The existing documentation from ipayment Inc as an agreement is very hard to understand and become so ambiguous and unintelligible to understand it should exist a document or a note to a confidante to all customers.I will definitely not use products from your company in the future and ensure my friends and family are amply warned about the pathetic service you offer.Desired Settlement: Provide me a full refund and other fees as you mention in your contract of $430.00

Business

Response:

Hello,We are sorry to hear about your issues with our Customer Service. What was the issue that we were unable to properly address for you? We do see you were working with our Risk Management department often and it seems your account was closed as you were processing sales for a business you did not disclose to us upon application of your account. The amount you are requesting a refund for does not seem to compute to anything we find. What is the refund due for? Unfortunately we are unable to issue a refund for any fees as our services have cost which we cannot refund.Good luck with your future endeavors.

Consumer

Response:

Review: 10533960

I am rejecting this response because:Hello,

I am sending the following information about the response from iPayment Inc.

We receive one statement from payments corresponding to the month

of November, 2014.

And what I found does not have accurate information because

the numbers does not match of what is in the bank.

IPayment statement

Deposits: $5477. 70

Bank Of America deposits : $5250.00

Payment Inc. is short in deposits with the amount of $227.70

After communicating with Gabriel forts in November 28, 2014

to close the account he proceeds into close in December 03, 2014. Thereafter, I have made one call to payment Inc., and they confirmed to me confirmed that the account closed on

December 03, 2014.

Regards,

Review: July 2013-cleared PCI compliance check, billing insisted never was notified I was cleared. Continued to be charged $30 additional per month...every pci compliance check was cleared from July 2013 thru August 2014 (confirmation of cleared checks were emailed to me) yet billing NEVER got informed. When I called may 2013 (to continue to discuss additional billing situation) customer service rep used foul language directed towards me. When transferred to management, promises to have it investigated were made,however follow up phone calls were never returned. I gave up contacting management after four voice messages were left during a two week course. August 2014 called & canceled my account. Snail mailed two cancellation confirmations (per request from the business) along with four different faxes providing same cancellation documents.In addition six emails requestion confirmation of cancellation & twelve phone calls. All made from August 2014 thru Jan 2015. Up until Dec 2014, I continued to have my bank account deducted per month, ranging from $75-$95.80. My bank (who on my behalf personally faxed them two of my cancellation documents) now blocked merchant services to deduct any money. I am now receiving threats by mail, claiming I owe money & my credit score is being effected.Desired Settlement: I would like to be refunded the money that was directly taken from my bank account, dating back to the first cancellation contact. I would like my credit score adjusted correctly. I would like a full investigation done concerning the additional charges made to my account, dating back to may 2013. Merchant services needs to be more organized & confirm my cancellation of the account. I then want ZERO contact or affiliation with such an dishonest company.

Business

Response:

Hello,I have reviewed these concerns and evaluated the account. The account was opened on 12/27/12 and closed on 12/5/14. The PCI was non compliant and the other fees charged were valid rates and fees. With that said, customer satisfaction is very important to us, I have requested a refund of the last two months which did not have processing including 6 PCI non-action fees, totaling $261.80. The account is currently closed and there will be no other charges. Thank you for your understanding, if you have additional questions, please contact me at ###-###-####.Sincerely,[redacted]

Business

Response:

Hello,With regard to a letter received in 12/5/14, this was due to the $70.90 reject for the 11/14 processing fees due to stop payment. The amount of $95.90 was because there is a $25 Non-Sufficent Fund charge due to the reject. We received the closure request on 12/1/14 and it was processed on 12/5/14. Just because the account was closed doesn't mean the fees for 11/14 would not be owed. With that said, a courtesy credit has been given for $261.80, there will be no further refunds or charges to the account.

Consumer

Response:

Review: 10413702

I am rejecting this response because:The first attachment is a copy of what was emailed to me from an ipayment representative last month (02/2015). It details my activity from 8/2014 thru 12/2014. [redacted]Please note that there is ZERO activity after 9/15/14. (Last noted activity was 9/6/14 but maybe carried over thru 9/15/14???)Other than providing copies of my cancellation request (in prior complaint response)I also attached my confirmation copy receipt with my new mercant. Please note: activity beginning 9/8/14 (activation on 9/3/14)The provided documentation, assures that my account was closed 09/2014. Not 12/2014 as ipayment claims.Since I had to request that my bank blocks ipayment from withdrawaling anymore money, I was charged (by the bank) per attempt.... the third attachment is a copy receipt from my bank. ($35 per attempt x 5)Ipayment filed a collection claim with a third party collection agency on 1/29/15.However, without any notification or explanation, ipayment preformed five deposit transactions into my bank account on 2/2/15, one business day after filing the collections claim. ($30per deposit x 5).Then, on 2/8/15. ipayment refunded a total of $81.80........meanwhile,the collection company continually attempts to collect & has not received any notification from ipayment to do otherwise. (A copy of their letter is also attached)Since these recent reimburses, totalling $231.80, Ipayment has refunded... I request only the remaining $400 to be refunded. This will fully reimburse the monthly charges when I was no longer an active customer. Also including the charges I had to pay my bank to get involved.(per transaction)Most importantly, I am unable to access my former account with ipayment & have Not yet received any 2014 tax receipt 1099. Please provide me with this documentation asap.I still request an investigation regarding my complaint of the poor customer service.Occurring 5/2014. Supervisor-[redacted] ###-###-####. ext#2845.This particular complaint should be remembered, unless it is the company's protocol for sales reps to comment "[redacted]" towards a customer who was inquiring why ipayment hadn't received clearance of her PCI compliance check.Last but not least, the company that preformed the PCI compliance checks (Aperia)customer service rep- James ###-###-####.Verbally confirmed my device had passed the PCI compliance checks, however, according to him, my account is currently labeled "in question" with ipayment & being a third party business, they legally could not provide documentation stating so. Therefore, I request to be reimbursed only $200 for the charges that ipayment made when they claimed I was not PCI compliant, when in reality, I was and was charged much more than what I am requesting. (Interesting, ipayment is one of the only card companies who charge their customers PCI compliance charges)Total = $600 , to still be reimbursed.(from my previous response including this one) -I HAVE PROVIDED-- correct documentation copies of my account cancelation request, the dates I faxed ipayment, and the federal financial institution that assisted in faxing ipayment. -a copy of a letter from ipayment threatening to close my account the same month they are now stating was correctly closed-a pdf file from ipayment confirming all my activity & clearly stating that my activity ended 09/14 not 12/14 (that they are currently claiming)-a copy of my contract with my new card merchant, confirming the date I was active with them, NOT ipayment-a copy of the receipt of the charges the federal financial institution had made to prevent ipayment from deducting my money ($35 per attempt)-a copy of a letter from a claims business ipayment had hired to collect money from me (and still continues to) along with a copy of a few refunds they have given since If this is not enough evidence to convince ipayment that their paperwork is off & dates are incorrect, I request that the Revdex.com agent evaluates all communication & files linked to this case, and will respect Revdex.com decision.

Regards,

Review: Jessica Tiffin from iPayment contacted me in March about getting back my charge business since I had switched to Square several years ago. I told her the reasons I left iPayment. She promised to provide a system for processing charges that worked as well as Square and at much lower rates. She assured me that I would pay thousands less in processing fees per year. I told her that Square and other processing companies do not require PCI compliance, either in the form of fees, or penalties as iPayment does. She assured me and wrote into the contracts that there would be no PCI requirements.After thoroughly reviewing the contracts line by line with Jessica I agreed to give iPayment another try. We opened 3 accounts for 3 separate businesses. We worked with their RoamPay system processing charge cards through our cell phones as we do with Square. Almost immediately we started having issues with the system. Sometimes it would work properly, sometimes the system would be down and we would have to switch to Square to process. Often it would work in the mornings and slow down or stop working in the afternoons. We worked with technical support to try to resolve the issues but problems continued. Towards the end of a two month trial period the system would start declining all cards we tried to process, cards that would immediately be approved through the Square system. I also started to see charges on our billing statements from iPayment that were not supposed to be there, including PCI charges.At the end of May I contacted Jessica Tiffin and instructed her to close all the accounts. She told me that she would email me a closure form. Ten days later I called her again for the form. She sent it, I filled it out, returned it the same day and Jessica acknowledged receiving it. However iPayment continued deducting fees from our checking account. In August I put a stop payment order on my bank account to prevent further deductions. iPayment at that point sent these stopped payments to a collection agency!Desired Settlement: iPayment failed to provide services contracted for. I want return all fees not directly associated with charges we successfully processed and a stop to collection action.New Account Fees - Tiffin agreed to waive.PCI fees and non-compliance fees - specifically waived in contractsTIN/TFN invalid fees - applied after we cancelled the contractsWireless access fees - We used our wireless equipment to processMinimum Discount Fees - Failure to meet min. due to system failures.$556.81 in total

Business

Response:

We have reviewed the customer’s complaint. I am showing the account was open 3/12/14 and closed 8/14/14. We reviewed all fees charged and are showing everything billed was listed on the original application andeverything the sales representative and the customer agreed to not being charged (as stated on the application) were not charged. If the account was supposed to be closed in May we ask that the customer send in a copy of the original closure request with a dated fax and/or email confirmation for review.

Business

Response:

We have reviewed the customers complaint and per the emails the customer attached the customer requested closure on the accounts in June. We will honor that closing date. The customer was billed until August on the accounts, these fees would not apply to the customer. They have disputed the fees, therefore no refunds will be submitted as we were not paid but we will clear any fees owed on the accounts for any charges after June.

Consumer

Response:

Review: 10262212I am rejecting this response because:

Review: I signed up after being fully deceived by a "company representative". I asked specific questions during the meeting with him. Like "What happens if I cease to need your services"? He said it would be no problem. I did not process ONE single transaction over the period of the last year and was charges 60 top 134 dollars a month. When I cancelled I see they hit my account for another 350.00. I started trying to cancel. Sales rep did not return calls for 3 months. So after 3 months and an additional 280.00 dollars in charges I Finally got the service cancelled. After canceling there was an additional 350.00 fee. I specifically asked about cancellation fees with my business manager present. He said there was none. This company is obviously a total rip off/.Desired Settlement: I am owed 350.00 Cancellation fee and the last 3 months of service charges 280.00. For a total of $630.00. You cannot operate your business with commission based sales reps who will lie to your customers and not service them after the sale. I will make full recovery on this with or without attorneys involved. My witness at the meeting is professional and credible...Are your sales reps?

Business

Response:

We have reviewed the customer’s complaint. The account was opened on 10/15/13 and we do show that the customer did indeed use the account for credit card processing the following month. The customer called in to cancel services in May and the account was closed within 30 days which is standard procedure. All fees will apply for the processing and while the account was open. I did want to address the claim that there was a double billing for the $350.00 Early Termination Fee. I am not showing this fee going through twice however if you can submit a copy of a bank statement showing this was double charged we will credit one of those back as you should not be charged

twice.

Consumer

Response:

Review: 10087148

I am rejecting this response because:

I attempted to close this account starting in February and never processed one payment. The sales rep misrepresented the company from start to finish.. I had my business manager as a witness. I called and called the company to close the account and was told "You must reach your sales rep". He conveniently not return calls for Three Months. This resulted in Hundreds of Dollars in additional fees and the company should waive the "early termination fees" due the the fact it took me Three Months to get the cancellation form faxed to me. I must admit they have a legalized scam operating. I will be contacting the Attorney General so he may look into their deceptive ways of doing business if my complaint is not settled in this forum. I am requesting the cancellation fee as well as the last Three months of service fees be refunded to me immediately. This totals about 600.00.

Regards,

Review: NPMG has been taking money from my account since 2006..all this time I thought it was part of my merchant company who is Heartland Payment but I contacted them recently and they said it wasn't them. NPMG has been taking 8.45 monthly from my business account..I talk to supervisor there but they said can only refund me for one year only and finally closed my account. 107.00 something like that! I've been loosing sleep over this and I feel like I've been cheated because never used their services.Desired Settlement: Please refund my money from 2006 till April of 2014.

Business

Response:

We are looking into reviewing this complaint, however I am unable to locate an account with the Merchant Number, phone number, address, and Principal name provided. Can you please review the attached information and please provide us with the Business name or correct Merchant account number so we can proceed with proper assistance. Also, please confirm what the Bank Descriptor is for the charges you are seeing. Thank you.

Consumer

Response:

Review: 10010184

I am rejecting this response because:

Regards,

I called them and they still deneying wont give me my money back

Business

Response:

We do show that this customer’s account was closed in April as they requested. We are showing that there was a monthly charge of $8.95 a month. Since the customer said they were unaware the account was opened we agreed to refunding one year of fees as courtesy. The total amount of that is $224.05 however after looking further into the account it looks like those fees had been rejected from the customer’s bank and we were never paid on those. Instead of placing a refund for the $224.05 we will instead be waiving the collections balance owed. The customer will not incur any further charges.

Review: The email below was sent to this organization today. It's bottom lines it.START EMAILI just got of the phone with Anthony. Here is where the conversation ended -[redacted] agreed the total amount due is 250.00 for one account early termination in year two and 295.00 for the early termination of the terminal.We were supposed to get a deposit of 128.90 that was deducted in error. This was discussed over the phone and via email with [redacted] several times. I continued to follow up with her asking when it would show up but she stopped corresponding. This goes back to early December. I have the email chain.I told Anthony I would deduct the 128.90 from his amount and write out a check to send along with the terminal. He insists the only way for me to pay this amount is for your company to debit it from our account. That account has been closed and I will not be giving you access to another account. The only way you will get paid is by check or credit card. Period.NOTE: I would love to at least send the terminal back to you if you will give me an address.I understand that according to your terms Bergsma Plumbing owes you and will take care of that as soon as you tell me where to mail the check.If your company had dealt fairly with us we would not be having this conversation. We would not be terminating your services. Your company deposited credit card processing's for 2013 in the amount of 6139.97. The amount your company debited the account in 2013 was 3442.32. How that is fair or even ethical is beyond me. I'd say you have made enough money off this small company that didn't even gross 60K last year. It is truly shameful this is happening to so many small businesses in America. This business tactic is just one of why we are in decline as a nation. For shame. I feel I am the only one that has been actively working to get this relationship terminated so will not again follow up with Merchant Help, Anthony nor [redacted]. I have made every effort to come to terms and pay your termination fees but you have made it impossible. Should you come up with some other acceptable way for me to pay your fees (holding our credit hostage according to the threats made by Anthony during our conversation) I will gladly do so.Desired Settlement: As stated in the email above we are more than willing to pay the fees they insist are due just to terminate this relationship and be free of this company. Based on their past history and many, many customers with stories of monies being debited from their account in error and not being able to get them back they will never have access to our account. I'm happy to send them a cashiers check if that will end this. Counter check, cashiers check, credit card, wire...

Business

Response:

The customer's account has been reviewed and was approved to have the Early Termination Fee waived. We still need a written request to have the account closed, once received we will close the account with no Early Termination Fees. I attached the form needed to close the account.

The customer can send their equipment back to:

Business

Response:

We will be happy to send a letter confirming there are no monies owed upon receiving the closure request and credit card terminal. As of now the form has not been received and the account is still currently opened. Once received the account will be closed without the termination fee as promised and a letter will be issued.

Consumer

Response:

Review: 9936763

I am rejecting this response because:

I had sent the termination form to our mediator prior to now and am attaching it here.

The UPS tracking number for the terminal is 1Z[redacted]53. I was told it would be there by this Thursday.

NOTE: Our bank called today saying that your company tried to debit 159.90 and 149.85 from our closed account. That account was closed for this very reason. Please back date that letter to the time I started trying to terminate services which is the beginning of February.

Regards,

Bergsma Plumbing Service & Repair

Review: This merchant services provider bad service to customer. Refund to customer takes too long. More than 3 days. High limit ticket takes too long too, takes more than 2 weeks to fund to my account. This already verified that customer already received the items but still holding for long time. This merchant service makes my customer pissed off. Really bad merchant serviceDesired Settlement: Please have refund to my customer by today for $3481. This merchant services is holding the fund too long. transaction 5720029666 for $1990 and transaction 5720018292 for $1491.00

Business

Response:

The reference merchant account was approved on 11/15/2013 per receipt of the signed application and agreement. The customer requested a limit increase per transaction which was denied per our risk department due to business finanical condition. Customer split transaction amount which is in violation of agreement. Our risk department held these funds and advised customer to credit these transaction back to customer which was completed on 12/11/2013.

Business

Response:

we will expediate the american express funding of $780.00 as requested. These funds should be available in 3 to 5 business days.

Consumer

Response:

Review: 9837833

I am rejecting this response because: the fund still not clear to my acct. Jenny said delay because of holiday. Its probably 7 days more after 3-5 days.

Regards,

Review: I used IPayment for my website for 15 days in May and they just cancel my account because I sold my product to overseas customer. They said it is risky. And they hold about $5,300 for 3 months and release 2,000 in August 2013, and $1,300 in September 2013.However, when I asked to release the rest of money, they said they already released all funds without any proof. I ask documentation regarding the fund held and released, they can't provide single document so far. They are even saying they can't find any requests regarding this matter in their system. I can give them the proof showing that I didn't receive my money. I'm still waiting for their proof that they alreay gave all my money back.Desired Settlement: I simply want to get my money back.

Business

Response:

The merchant account was approved on 04/26/2013 per receipt of the signed application and agreement. Funds were held on 05/09/2013 due to violation of the terms and conditions of the merchant agreement. The merchant was selling products not disclosed on the initial application. The merchant was advised funds would remain on hold for a 90 day review. All funds held have been released to the merchant as of 09/20/2013. The merchant can review their May 2013 statement to assist with reconciliation of batches processed. iPayment does not have any additional batches on hold for this merchant. A copy of the May 2013 statement will be mailed and emailed to the merchant for their records.

Consumer

Response:

Review: 9787879

I am rejecting this response because:

Review: Initially I signed up through National Bankcard to obtain a merchant account. After 3 weeks of processing payments, my business started to grow substantially. After logging in and noticing that 2 large disbursements never showed up, shortly thereafter I received an email about a suspended batch.After 36 hours of trying to reach the sender, Sara Lopez from the Risk department, I finally got a response from her. She gave me what seemed like a typical canned response stating that iPayment assumes all the risk (yet I personally guarantee the account and funds it processes). She then took 5 more days to "review" the account, requiring a form to be filled out and faxed in along with bank statements.After those 5 days of waiting (with over $20,000 being held by iPayment), Sara finally calls back again. She says that her "management" decided to close my account and will be holding the funds in the account for 30 days and then I "might" get a portion of those funds to be released. What kind of company literally bankrupts a business to protect itself? Do we not live in a free country, a capitalist society, and the land of the American Dream?It isn't enough to close the account, now they are going to hold the funds and not allow me to ship the orders to my customers. To me, that isn't a business supporting it's customer. That's a business screwing it's customer by suffocating it.If this issue isn't resolved with 100% of the funds released, I will have my corporate lawyer file charges against iPayment in Federal court for torturous interference and breach of fiduciary duty.Desired Settlement: 100% of the funds in my company processing account to be released immediately. Company account is named "Westrex2000". The total is close to $30,000 - and my customers and business depend on it.

Business

Response:

The merchant account was approved on 07/31/2013 per receipt of the signed application and agreement. The approved limits on the account are $10,000.00 monthly and a per transaction amount of $45.00. On 09/11/2013 funds were held per the terms and conditions of the merchant agreement. The merchant exceeded the approved monthly limits on the account. A call was placed to the merchant on 09/11/2013 requesting necessary documentation for review of funds. The merchant reached out to iPayment on 09/13/2013 and was advised of the review pending on the account. The merchant was also given procedures for limit increase request. Review of the account was complete on 09/14/2013 and a call was placed to the merchant to advise that the account would be closed and funds would remain on hold. The merchant was given specific reasons for the closure of the account and was advised to call back within 30 days for a review of funds held. Funds will remain on hold. The merchant can contact iPayment on 10/14/2013 for a review.

Review: Aug. 23, 2013 [redacted] rSonoma, Ca.95476Dear Ca. Dept. of Justice:Attached are two complaints I filed and told you were the agency who would look into this matter. I also noticed there are many complaints against this company (Ipayment) for excessive charging and charging consumer without prior approval. I hope you can helpThere number is ###-###-####I payment p.o box 3429 Thousand Oaks Ca. 91359First Complaint(Ipayment)Good Morning I have a merchant account with Ipayment and $116.00 was deducted out of my checking account without my authorization. Because of this, I had three checks bounced at $35.00 each. IPayment told me the charge was because I did not take the complacence questionnaire and after I filled out this questionnaire my account would be reimburse for $116.00 they reimbursed me $19.00?. They have not reimburse me 116.00 or for the three bounced checks. IPayment said it was in the contract. I never saw this in the contract and my web hosting site already provides these compleiance ques inquiry free of charge This is a large amount yearly for small on line business that maybe makes 19.00 month. The information they gave me is fraudulent and a misrepresent of their servicesHow complaint can be satisfactorily addressedI want to be reimbursed $116.00 which was taken out of my bank account with out prior knowledge or authorizationSecond Complaint(Ipayment)Aug. 20, 2013 Account number 4[redacted]040550 To Whom it may Concern: I closed my merchant account in the beginning of July. In Aug. I received charges, so I called and asked for the account to close again.I am disputing the July charges because first, I never received any services from your company and secondly, the account was supposed to be closed.From the time I signed up you have over grossly over charged my account. I initially closed this account because I was told after I participated in a survey $116.00 would be credited to my account that you withdrew without my knowledge. My web site already provides for this compliance. (free of charge) I reported your company to the Consumer Complaint of the Federal Reserve for these compliance fees.(charged twice) Now, I am disputing your charges of $25.00 plus another $29.00 for July payment which my account was closed. This has been the absolutely worst service in fact no service. If I continue to get any more bogus billing I will continue the matter in court. Sincerely, Louise SalvadorMerchant # 4[redacted]040550Desired Settlement: I would like the $116.00 complenece fee reimbursed as I was told they were going to do after I did a 20 min survey and close this account and no charges for July since I had no service and I closed this account

Business

Response:

The merchant account was approved on 11/29/2011 per receipt of the signed application and agreement. All fees billed were disclosed via merchant agreement and month ending statements mailed to the address of record. The merchant placed a call to iPayment on 06/10/2013 with regards to the PCI compliance annual fee billing of $99.00 and the non compliance fee billed of $19.95 on the May 2013 month ending statement. The merchant was advised that the annual compliance fee of $99.00 is billed every May for the prior year. As the account was maintained, monitored and utilized the merchant is responsible for the fee. A reminder of both the annual fee and compliance certification requirements was mailed to the merchant in April 2013. The merchant was also continuously mailed reminders of compliance requirements every month but failed to complete the certification of compliance. The merchant was advised that as a courtesy a refund would be issued for the $19.95 for the non compliance fee in May 2013 once the compliance certification required was completed through the website provided on the first page of the statements. The merchant completed the compliance certification and a refund was issued for the $19.95 on 06/12/2013. A closure request was received on 07/05/2013. A 30 day notice of cancellation is required per the terms and conditions of the agreement. The account was closed as of August 2013. The July month end fees totaling $4.00 was not paid by the merchant’s bank and rejected. The total amount owed of $4.00 and $25.00 NSF fee for the July 2013 will be waived from collections as a courtesy.

Review: I filled out an application for merchant services for my business. On the application they needed to switch my terminal over and this would be done electronically. This was never done. Also there are three pages of the "application" of which the second and third page I had not seen before today when I requested it. On the last page is an electronic signature that (really) I have no idea on how to do that. They have taken "fees" out of my account for three months even though there is no way I can swipe a credit card because the terminal is not compatible which they admitted today. I have talked to seven people in the last two days trying to get my money back. One person will say I can get the money back, the next says no, while the next person says I have to "close" the account to get the money back and then the next person says if I close the account I can't get the money back, then the next person says I can only get January's fees back. Tired of the run around.Desired Settlement: Refund of my money to my account.

Business

Response:

Hello,Sorry for the issues you have experienced. I show your merchant account setup with a VeriFone Vx520 terminal. Do you have this terminal? This terminal is compatible and usable. I see multiple notations from different representatives offering to refund the January month end fees, from which you then call back to try again with a new representative. We can offer to refund the January month end fees only. When you applied online, you provided your banking and secure personal information in order to apply and open this account. Our sales office would from there, either reprogram your current terminal if compatible or set you up with a new terminal. Until you follow through with the agent in completing the installation of the terminal, that does not stop the merchant account from being active and charging any monthly service fees (per the agreement).The January month end fees is what we have available to offer you in refunds and if you would let us, we would get your terminal working.

Business

Response:

Hello,I confirmed with the sales office the terminal was not shipped. They had a pended follow up they were awaiting to hear from you on. Since no terminal was deployed we will have the monthly fees refunded. You will receive $98.85.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10453040, and find that this resolution is satisfactory to me.

Regards,

[redacted] reviewed 2/24/2015

Review: A salesman came around selling a credit card solution, which included a free machine, from 'Card Payment Solutions' at PO Box [redacted]9, Thousand Oaks, CA. We kept asking him what the catch was because the per-transaction rates were very low. There was no catch, he explained. Also, there were no monthly fees or "hidden fees," he went on to say. We did not read anything in the contract that would allow for the hundreds of dollars worth of fees we were charged at the end of the year, called pci-compliance fees and reporting fees. When we decided that we were better off with what we were using before, in light of the fees we knew nothing about prior to being charged, I called to cancel our account. I asked, specifically, if there were any fees for terminating the account and I was told that there was not, provided we, at our own cost, mailed the card reading machine back to the address they gave. I did so and the USPS website lists the package as being received. I received an e-mail confirmation to inform us that our account had been closed. A week later, we saw a $350 pending charge on our linked account and, upon calling the customer service number, found out it was an early termination fee. I have not read any contract that I have signed which states we agree to PCI Compliance Fees, yearly reporting fees, or early termination fees. Furthermore, I believe that their agents are purposely subversive when speaking to businesses, relying on fine print to collect fees. The initial salesman lied to us and has since "jumped ship" to a different company so we cannot contact him. The person I talked to before terminating the account also lied.Desired Settlement: I want a refund of at least the early termination fee,in the amount of $350.

Business

Response:

Hello,I have reviewed your account and determined the $350.00 did not get charged to your bank, but rejected on 1/29/15 due to Non Authorization which you requested of your bank. In this case, I will waive the charge as a courtesy, but please be aware you were correct in stating the validity of this fee because it is listed in the Terms and Conditions. When entering a business contract, please be aware that the Fine Print is important to read and review because it is what is being agreed to by your signature.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10419194, and find that this resolution is satisfactory to me.

I accept the response of the business but I must have not selected the correct option. They agreed to drop the termination fee.

Regards, [redacted]

Review: I downloaded their credit card reader and applied for an account with them over the phone. The advertisement online states it is a .039% usage fee for each transaction. The agent taking the application with me online never explained to me that there are actual costs per month and a 3 year contract with a cancelation fee of $350. Nor did her tell me that you have to be an actual business to have one of these. I am not a business and wanted to use this for personal use, yet they gave it to me and locked me into a 3 year contract. I called to explain my situation but [redacted] who is the decision maker on my account told me I cannot get out of my contract and that I would have to pay for a cancelation fee. He offered a new revised contract, but I never agreed to any contract either way so I want to report them for unethical practices and locking people into contracts without explaining to them what they are singing up for. The agent did the application with me over the phone, had me go onto their website and click on some agreements without explaining to me what those were. I asked them if there were any monthly service charges and the agent told me no, its just a pay per use feature as advertised on google play store of 0.39% per swipe. He then asked me if I had a business and I said no I do not, that I wanted it for garage sales in case if someone didn't have cash and also for some personal paintings that I wanted to sell. He told me that underwriting would have to approve the application, they then approved it although I am not an actual merchant or business owner. I think the agent may have falsified some information to get my application approved so he could earn a commission on this because I should have never been approved for this. Let alone I was never disclosed the actual charges for this about a monthly service fee of $35 and also a 3 year contract. It is entirely unethical and this company should be removed from their A+ rating for deceitful practices.Desired Settlement: I also want my monthly service charges refunded to me and no cancelation fee of any amount to be charged to me. The product was never even used by myself, I was just going to keep it in case if I had a garage sale and wanted to use it for credit cards if someone didn't have any cash. I am not a merchant and they approved me for something that I should not have, but I was never aware that I had to be a merchant to have one of these. They deceitfully lied to me and scammed me into a contract.

Business

Response:

Thank you for bringing this concern to our attention. The account was setup through standard procedure and there was no perfidious action taken. Mr. [redacted] had requested a merchant account and the application designates the purpose is to sell art. All fees are disclosed during the setup, it is legitimate to create a merchant account online, the agreement is available and should be read during this time (see attached application). Mr. [redacted] acknowledges during the application there was an agreement for him to review which he completed. With that said, customer satisfaction is paramount to us. We understand there was a misunderstanding and will refund the monthly fee charged for $35.90 as well as close the account with no cancellation fee.

Review: Charged me on 02/12/2014 an I-PAYMENT CANCEL FEE $250.0 and on 02/28/2014 I-PAYMENT CANCEL FEE $495.00to my personal banking account. This is outrageous and disgusting behavior from company that has hundreds of complaints filed with the Revdex.com. 745$ to stop using their services? That's insane.Desired Settlement: A complete refund of they money they stole.

Business

Response:

This customer had 2 separate accounts set up. One of them (merchant number ending 0072) was set up 11/20/12 with CardPayment Solutions which was closed 2/10/14. This account was set up for a 3 year contract, $350.00 if canceled within the first year and $250.00 if cancelled within the next 2 years. Since the first year was completed the customer was charged $250.00 to close the account.

The other account (ending 5576) was set up 2/13/12 with Allstate Merchant Services. This account was closed 2/27/14. This account was also set up with a 3 year contract, however the termination fee listed on that contract is $495.00.

The customer has placed a stop payment with their bank for these fees so no refunds will be placed by us since we did not receive the funds from the customer.

Review: I-Payment, a merchant company would not put a payment through to my business account for $3200, claiming a contract issue. I asked to reverse the payment back to the customers credit card for the full amount. Also, was told I would not be charged any fee. I was charged a $147 fee. The customer said the full amount went back on her card, however my bank statement shows a credit from I-payment a day after I spoke with the customer for $2518.76. The money was never supposed to reach my account for one, because of the issue with my contract and they already put the full $3200 back on the customers card. Even if the money was supposed to transfer to my business account, why did they take $681.24 out. I have been trying to get this resolved for over two weeks with no result. I-Payment Inc. has numerous scam alerts and complaints online. PLEASE look into this scam company.Desired Settlement: Full amount put back on cardholders credit card. No money should of been transferred into my account, and I should not be charged for this.

Business

Response:

The merchant account was approved on 09/27/2011 per receipt of the signed application and agreement. The approved limits on the account are $10,000.00 monthly and a per transaction amount of $500.00. On 08/25/2013 the merchant processed a transaction for $3,200.00 well above the approved limits. The merchant was asked to send in necessary documentation for verification of sale. Verification was complete on 08/27/2013 and the merchant was advised a return would need to be issued. Specific reasons were given to the merchant for iPayment not being able to process the sale. The refund to the cardholder was processed on 09/06/2013. On 09/10/2013 funds were released to the merchant due to a system error. This was a monetary adjustment error and had no impact on the cardholder receiving the refund for the total amount of $3,200.00. The merchant was also advised that the processing fees for both the sale and return would be waived. These fees were waived and were not billed to the merchant. There is no amount being deducted from the merchant’s account for $681.24. iPayment does not know of any further issues with the merchant account. If the merchant has any additional questions or needs assistance with reconciliation they can contact iPayment directly.

Review: had a rep. call wanted us to try there credit card services, told him we did not accept credit cards. he wanted us to try for free and then decide we have never used the machine once I sent it back to company. This was back in 2011 they have been charging the business account for processing credit card rental at $49.95 monthly. Talk to Nora and she said they would keep charging our account unit I returned the machine,I would have never signed a contract for 3years with them. and when asked for a copy I received nothing. My mistake was not to certify us postal and have them sign for the machine. I have been trying to cancel for the past 3 years no results. I have finally canceled the business account for which they have been taken money of of. Today I received a letter requesting payment for$129.90 Stating if I did not pay it they would turn it over to credit bureau. can you please help with this. All of this totaling $ 1,798.20 plus yearly renewal fees $104.95 x 3 =$314.70Desired Settlement: I would like to be canceled from there services and no further payment to them . I would like to be paid back for money's they took.

Business

Response:

We have reviewed the customer’s complaint. We are showing the account was opened 10/30/11 and closed 10/28/14. The customer was signed up with a 3 year agreement where all fees are listed, we do not offer any free

services or trials. I am showing the customer is still within their term and would see a termination fee of $250.00. The customer was given a Nurit 2085 and that was never returned, we will agree to waive the Early Termination Fee as long as we receive the terminal back. We will also waive the fees owed to us ($129.90) as courtesy.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10265216, and find that this resolution is satisfactory to me.

Regards,

This company is a crook, They collected $49.95 a month to process credit cards which we have never done so over a three year period they collected $1,798.20 they should have to return that back to us. I have asked several times for the contract which they say I had signed and they never produced one, because I had never signed one. and why are they willing to waive early termination fee of $250.00 if said contract was from 10/30/11 and closed 10/28/14 that is 3 years. The $129.00 is a yearly renewal fee which they added to the account on 10/3/2014 if said contract was real they should not have charged until 10/30/2014 if we wanted to proceed with their services. I have read other reviews about this company and they all say the same thing. Why can't you as the Revdex.com keep them from doing business and ripping people off.

It wil be nice to be rid of this company They need to send their address: so machine can be returned

Thanks for doing what I have tried to do for the past 3 years

BEWARE! I was sold my merchant service account (supported by iPayment) through a sales group called FLAGSHIP but I was not told that iPayment was the REAL provider. I have had 2 accounts with iPayment for 2 years and I have experienced nothing but headache after headache. I want to use someone new, but can't afford the headache of changing right now.

They do not coordinate well with FLAGSHIP one of their front (sales) companies AT ALL. I call the iPayment support number and spend 10-15 minutes going through menus trying to get someone to help me and then SEVERAL times when someone finally answers they have no idea how to help me because it's not their department and they say they will transfer me but HANG UP instead! This had happened several times.

It took them SIX MONTHS to change my account from a sole proprietorship to a corporate account. I am not exaggerating! I had to call and call and call to get them to do their job.

I am begging you to save yourself a lot of grief and avoid using iPayment at all costs.