iPayment

Hello,We are very sorry you hear of the issues you experienced withour services You are correct when saying that every processor hasdifferent costs based on a many number of variables On that note, wealso cannot be assumed to have the same costs as every other processorWe have our own costs to meet as every other company out there and thus we setour fees accordingly Our fees are disclosed to you at every turn and weare sorry you did not quite understand what you would be paying for ourservices Unfortunately, the refund you request is not backed by anyspecific data to which warrants a refund We will not be able to processthis request Good luck to you in all your future endeavors

Hello, We acknowledge your concerns and we will continue to work with your agent office Swift Capital to resolve this issueAttached is a copy of the application we received and the application does not state there was a day trialThank you,

We have reviewed the customer’s complaintUpon the initial signing of the agreement type of services and products sold are asked to be specified so we know what the customer will be selling using our merchant servicesIf different products/services are sold different merchant accounts are required for each serviceSince we were not notified that different products were going to be sold on one merchant account we have to review the transactionsThe hold is not due to processing on a wireless terminalThe original hold was to be for days however after review a day hold was determinedDue to the multiple products sold the funds will remain on hold for days

This customer is liable for both the merchant processing termination fee of $and the termination of the equipment agreement which is $The customer will not being charged for the equipment ($795.00), they will be billed for terminating the equipment agreementI have attached a copy of the Equipment agreement and a closure request formThe merchant account is still showing as open and will continue to until the form is filled out and sent back

Complaint: I am rejecting this response because: taking the fund away from our business account without notifications is unreasonable In addition, ipayment has not informed us to stop receiving payment by credit card, resulting hard time for the business Regards, [redacted] ***

Please move this complaint to iPayment's profile The decision regarding the holding of the funds for this merchant is made by the Loss Prevention/Security Team of I-PaymentFlagship'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 processingWe then assist the merchant through the application, underwriting and boarding process of their merchant application and merchant account installAt 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

Complaint: I am rejecting this response because: Why it took few weeks we can get the response? aWe didn't get any responses until we filed to Revdex.comSo every time we want to here from you, we need to file a complaint? bIf issue a refund is the only way, you should tell us at the first instead holding our moneycThe guy we talked to said he will send us the transaction increase form every time we time, still see nothing dThe business line is always meet an unusually volumeso we wrote an email to the company requesting the application to see if there is really a days rule, still didn't get anythingOverall, the customer services is horribleWe would like to get any outstanding funds back and close the account as soon as possible Regards, H [redacted] ***

Complaint: I am rejecting this response because: Because my name is R [redacted] not R [redacted] Regards, [redacted]

Hello,Upon review of the merchant agreement, it does list the monthly fees currently being charged Their is a Schedule of Fees section listing your rates/fees Everything currently being assessed was agreed to upon your submission of the application to do business with our servicesUnfortunately we do have a cost for our services we render, we are unable all charges as you requested We provide a service to which has an opperating cost to cover which is why we have monthly fees to charge You do not have a cancellation fee however We will have your account closed.Please let us know if you have any questions

This has to be one of the worse companies I have ever dealt with They are rude and arrogant I received a call last week that someone was trying to put fraudulent test transactions thru my online site...they were declined but still were hammering my site with test transactions trying to find a working credit card combo I received a call stating exactly this, " Consider yourself warned If the declined transactions continue to happen, we will close your account Call Authorize.net and resolve the issue." I did exactly that They told me to block those IP addresses I did Today I noticed the IP addresses changed and they tried again with declined transactions I immediately called my gateway company and shut down those addresses as well as tweeked some more fraud protection stuff so tonight I get a very unpleasant and downright rude phone call from Amy at IPayment I was "warned" and my account is now closed I did everything I could...what else was I supposed to do? Terrible Terrible Company!!

Complaint: I am rejecting this response because:iPayment, Inc is not recognizing the third party contract but they are happy to collect the signed document portion appealing to them through this third partyI understand iPayment, Inc aka Cardpayment Solutions don't offer or sell POS's but they shouldn't hang to the sign documents from crooked sale person who didn't deliver what he promised and we ended up canceling the deal with him Regards, [redacted]

Hello,We will provide a refund for the February monthly fees of $ To confirm, your account has been closed.Thank you

Hello, Swift Capital Opportunities LLC is the agent office that signed your business up with credit card processingOur agreement with Swift Capital does not allow us to issue refunds or cancel any accounts on their behalfiPayment Inc only offers the systems to obtain the credit card authorizations & deposit the funds into the business accountYou will need to call ###-###-#### option to discuss your merchant account and the fees you are inquiring aboutWe will continue to reach out to Swift Capital to have them get in contact with you and try to resolve any issuesWe apologize for any inconvenience and will work with Swift Capital to get your issues resolved

Complaint: I am rejecting this response because: I submitted the cancelation form within the "30daytrial" now am being charged a $cancelation feeAlso regarding the lease your sales rep G [redacted] added my initials to the contract regarding the lease that he submitted to you My initials are not on my copy!! Regards, C [redacted]

We have reviewed the customer’s complaint and have looked into the accountIt appears we have not received the closure request form to process the requestI did attach the form for the customer to complete and returnWe will have the account closed once the form is receivedAs courtesy we have agreed to refund the last months of feesWe can look into this further but would need documentation (either an email or fax confirmation) of when the initial closure request was sent to us

Hello, we acknowledge your concern with iPaymentHowever, with the information which was provided, (Name, Address, Phone number, e-mail) there is no active account open with a $ETFPlease provide sufficient documentation to continue investigation such as a Merchant ID numberThank you

We have resubmitted the request for the refund, I am unsure why it did not process with the bankThis will be sent out tomorrow for processing

Upon review of the customer's complaint it does not look like the customer has lost any moneyWe did recieve a series of duplicated transactions where both us and American Express have paid the customer for transactionsWhen this occurs we as the processor will deduct the deposits we made since the customer was already funded by American Express for the same transactions

After reviewing the customer’s complaint we have come to the decision that all fees charged are validThe customer did successfully install the equipment and did process transactionsThe customer did have the ability to print and retain a copy of the terms and conditions associated with the merchant service that had all fees listed when they filled out the applicationAs courtesy we are agreeing to let the customer out of their contract by waiving the Early Termination Fee as long as they return a written closure request and the phone swiper in good working condition to the address below: [redacted] Agoura Hills, CA

Complaint: I am rejecting this response because: They knew my transaction volume in the first placeI gave them my transaction history from my previous merchant account and they did have all the infoThey sales rep promised they would offer same service same as my previous merchant accountNot only they didn't but also they put a hold on my transaction and push me to reverse themWhen I did reverse then charge me for the service fee that they didn't performThis is absolutely rip-offWhen I called them each time, there is only one person who is absolutely unprofessional answered himI asked for his supervisor and he always forwarded my call to someone voice mailSince, I could NOT complete any of my transaction with this company and in fact they impose financial and moral loses into my business, I need all the fees that they stole from my bank account to be refundedUntil then I will continue to leave negative feedback and share my experience with everybody Regards, M [redacted]