Paya

Dear [redacted] Thank you for your feedback regarding our cancellation policyOur terms and conditions explain our termination policy and the auto renewal processSage is committed to providing an exceptional customer experience to our merchantsWe are always open to feedback from our clientsWe have forwarded your feedback over to your sales office for follow up as wellThank you for taking the time to share your thoughts and concernsWe will share this information with the appropriate departmentsIf there is anything that we can do to support you in the future, please don’t hesitate to contact us.Sincerely,Sage Payment Solutions

September 28, 2015To Whom It May Concern,Please accept this correspondence in response to the complaint filed by [redacted] of [redacted] ***As background, Sage Payment Solutions EFT, Inc(“SPS EFT’) provides services for electronic verification and ACH conversion of consumer checks received at a place of businessSPS EFT processes the consumer checks via the Automated Clearing House (“ACH”) network and offers a funding guarantee to [redacted] ***The relationship is governed by the Point of Sale Conversion Merchant Agreement (“Merchant Agreement”) dated 8/29/that was signed by [redacted] of [redacted] ***The agreement was received through an Independent Sales Organization (“ISO”), [redacted] An ISO is a separate corporate entity whose affiliation is a reseller of the services provided by SPS EFTThe ISO forwarded the merchant agreement to SPS EFT and [redacted] was activated for services on 4/22/[redacted] claims that [redacted] should not have been charged the cancellation fee of $because 1) monthly fees were charged when services were not used and 2) a notice of a term renewal was not sent.The section of the Merchant Agreement entitled “Merchant Acceptance" shows the signature with an agreement to the information on the application and the terms in the Merchant Rights and Responsibilities (“recitals”.) Please point your attention to section under the recitals that explains term and termination feeA merchant's service is active (regardless of use) until such time that a written request for termination and/or cancellation is receivedThe recitals do not define a scheduled term of serviceThe services are available for use, even if not used.The merchant is required to provide notice of cancellation days prior to the cancellationThe request for cancellation from [redacted] was received on 9/17/Therefore, all monthly fees for [redacted] are applicable until the written request for termination was received [redacted] was scheduled for immediate cancellation instead of after the days requirement as a courtesy[redacted] has requested a refund from SPS EFT of the termination fee of $SPS EFT does not believe a refund is applicable as described aboveSPS EFT anticipates that MsMeek’s concerns have now been met upon receipt of this letterPlease feel free to contact me with questions and concerns, Toll-free at [redacted] .SincerelySage Payment Solutions

Please accept this correspondence as Sage Payment Solutions, Inc.’s (“Sage”) response to the Revdex.com complaint received by Sage on September 26th, regarding [redacted] , Inc(“ [redacted] ”)Sage’s investigation revealed that Sage denied [redacted] ’s application for credit card processing service on the premise of suspected fraud As background, [redacted] is in the business of selling security and anti-virus software for computers [redacted] ’s merchant application was received by Sage’s underwriting team on August 15th,As part of Sage’s standard underwriting process, Sage attempted to contact the owner listed on the merchant application, [redacted] , to verify his identity Sage’s attempts to reach [redacted] were unsuccessfulAdditionally, during the underwriting process, an individual called into Sage and purported to be [redacted] The Sage underwriter questioned the caller to verify his identity The caller failed all FIVE verification questions asked by the underwriter The questions were generated by Sage’s identity verification provider, IDology [redacted] ’s merchant application was ultimately declined due to inauthentic documentation and suspicion of fraud/ identity theft [redacted] was placed on the card brand MATCH list due to the suspected fraud The MATCH list is an industry wide list used to protect the public from fraud Sage has an obligation under the card brand operating rules to leave [redacted] on the MATCH list until the suspected fraud issues have been extinguished In addition to the suspected fraud, Sage contacted [redacted] ’s previous merchant provider and learned that [redacted] was averaging an 18% chargeback rate while processing with the previous processor Sage’s review of the chargebacks allege the anti-virus software sold by [redacted] does not work as advertised

Sage has resolved the cancellation fee and balance due issue associated with [redacted] ***No further actions need to be taken, the balance due has been waived by Sage 100%Sage considers the complaint resolved

[redacted] contacted Paya, to cancel the account on November 6, At that time, we agreed to reduce the cancellation fee to $We did not receive the signed cancellation request fee so the account remained openOur Collections team closed the account in late January due to reject fees The fees previously due are on the account are listed below: $early termination feeDecember fees - $($December fees + $bank reject fee) January fees - $($January Fees + $bank reject fee)$= total fees due We spoke with [redacted] on February 20, and explained that we were not able to collect the fees due to a stop payment that placed on the accountAt that time, we waived $ As a good will adjustment, we will waive the early termination fee as wellThis brings the balance to $If we can be of further assistance, please contact us Best Regards, Paya

To Whom it may concern,Our partner [redacted] has reached out to [redacted] to assist with a rate reduction and credits [redacted] appreciated and was satisfied that we listened to his concernsHe agreed to provide an update to Revdex.com as resolved.Thank you,Wil A [redacted] Supervisor, Customer Support Sage

Thank you for your recent feedbackWhile we understand this was a keying error, unfortunately any transaction that is processed incurs a processing feeYour account with Sage Payment Solutions was closed in July and we agreed to waive the early termination fee of $ We are unable to issue a credit to your accountPlease let us know if we can be of assistance to you in the futureWe wish you continued success.Sincerely,Sage Payment Solutions

Dear [redacted] ***,Thank you for your inquiryPer our conversation, Sage will be closing your account and waiving the early termination feeWe are also processing a refund of $We wish you continued success with your businessSincerelySage Payment Solutions

We spoke with [redacted] on August 17, regarding the balance on his account and came to an agreementThe balance on his account will now be $(reduced from $1099.00) Our Collections department will be in touch with [redacted] to establish a payment plan Thank you for choosing SageWe wish you continued success with your businessIf we can be of further assistance, please call usSincerely, Sage Payment Solutions Tell us why here

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:From: [redacted] < [redacted] @ [redacted] .net>Date: Mon, Aug 10, at 12:PMSubject: Re: ID # [redacted] - Sage Payment Solutions, IncTo: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org>In reply to Sage Payment's reply, I would like to state that I closed my account in May, not JulyIt seems that every time I have communicated with someone at Sage, they come up with different information; i.e., different dates, different numbers, etcMakes me wonder what is really going on No consistency at all At the time I closed the account NOBODY AT ANY TIME FROM SAGE PAYMENT SOLUTIONS MENTIONED ANYTHING ABOUT A TERMINATION FEE OR THE WAIVING THEREOF!It seems INCREDIBLY, unreasonable for Sage Payments to take approximately $from my account for a sale that never took place!!; for them to say sorry, we know you made a keying error but we had access to your account, we took the money and we're not giving it back because, well, we don't really have a reason so we're going to say it's because you closed your account after this occurrence and we didn't charge you a termination fee.It would be advantageous to settle this amicably, without getting a lawyer involvedSincerely, [redacted] ***

RE: Case# [redacted] To Who It May Concern, Please accept this correspondence in response to the case referenced above regarding the complaint filed by MrJames Wiggins of [redacted] Labortories, Inc (Educational Science) [redacted] alleges in this complaint several items such as Unjustified Debits, never receiving merchant statements, Deceptive Trade Practices, Breach of Contract, Bank Fraud, Wire Fraud, Mail Fraud, Racketeering, conspiracy, and Embezzlement)SPS is acting entirely within its rights set forth in the terms of the Merchant Agreement signed by [redacted] [redacted] alleges in this complaint that he was not receiving monthly statements and that SPS was debiting the monthly fees However, a monthly statement was mailed during months they were processing and statements are available via the internet through our reporting website at www.myvirtualreports.com Monthly PCI Non Compliance fees was assessed in June after a statement announcement informing about PCI DSS requirementsSPS agreed to refund the PCI Non Compliance fees as a courtesy on March 17, when we were notified that [redacted] was unhappy about the fees and had completed their PCI CertificationThe refund amount was for $which corresponded to twelve months of noncompliance feesSPS offered to continue to work with [redacted] on PCI Non Compliance refunds if he provided proof of becoming PCI Compliant prior to March On May 7, 2015, SPS was notified to cancel the merchant account per the request of [redacted] Due to breach of contract, a $early termination fee was assessed Below is a list of the last months of fees paid by [redacted] During the current month of May 2015, we have processed debits of $for early termination fee and the monthly fees for April in the amount of $ Year Month Fees Paid April $ March $ February $ January $ December $ November $ October $ September $ August $ July $ June $ May $ April $ March $ February $ January $ December $ November $ January $ Grand total $5, SPS has denied [redacted] request for a refund as described above and we anticipate that his concerns have now been met upon receipt of this letterPlease feel free to contact me with questions and concerns, Toll-free ###-###-####Sincerely,W [redacted] Al***Supervisor, Financial Support

Dear [redacted] , Thank you for your recent inquiryWe are disappointed to hear that you have cancelled your account with usAfter further review, it appears the equipment that you purchased was directly from the provider, not Sage Payment SolutionsPer our terms and conditions of your contract, we (Sage Payment Solutions) have a cancellation feeYour early termination fee is $(which include $ETF + $reject fee)We understand that you had a poor experience and we would like to apologize for thatAs a gesture of goodwill, Sage Payment Solutions will be waiving the early termination fee of $on your accountWe wish you continued success with your businessIf we can be of further assistance, please contact usSincerely, Sage Payment Solutions

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted]

[redacted] Thank you for your time todayPer our discussion, we will be refunding the $termination fee as a courtesy to youWe are disappointed to hear that you cancelled your account, but wish you continued successIf we can be of further assistance, please let us know.Sincerely,Sage Payment Solutions

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 As long as we do not get drafted any future money in regard to this account Regards, [redacted]

Sage has resolved the cancellation fee issue associated to [redacted] , [redacted] and the cancellation fee of $for [redacted] has been refundedFunds should post to [redacted] bank account within 7-daysSage considers the complaint resolved

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] 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. Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:To fully resolve this issue, please credit back all of the non-compliance junk fees charged over the years All of the major credit card processors including [redacted] do not charge these junk fees Moreover, my company has proven beyond a shadow of a doubt that we have always been PCI compliant as per industry standards Regards, [redacted] Read More Customer Complaints: $(function () { $('.complaint-block a[data-toggle=collapse]').click(function () { $(this).text($(this).text() == $(this).attr('data-close-text') ? $(this).attr('data-open-text') : $(this).attr('data-close-text')); }); $('.complaint-block .collapse').collapse({ toggle: }); $.each($('.complaint-block a[data-toggle=collapse]'), function (index, value) { $(value).text($(value).attr('data-close-text')); }) });

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: As I had previously stated, the pages of terms and conditions were not given to me and as you can see from the copy they sent to you with the highlighted section there is no signature on any one of those eight pagesThe terms I had agreed to were the rates which they did postI was told initially a two year term, then years, I fulfilled that obligation then all of a sudden these auto renewal documents surfaceMy banker was also a witness to this and will verify what I have statedSo then they charge me $early termination which is totally bogus, considering it was past the years, secondly I am at my business everyday and have never recieved a phone call regarding thisThis is a hustle and I want my $back This is why no businesses trust C.CMerchants And no,I would never use nor advise any one else to use Sage Sincerely, [redacted] Regards, [redacted]

Dear *** ***,Thank you for your recent inquiryIt was a pleasure speaking with you earlier todayThe supervisor of the Financial Support Department will be sending you an email confirmation with the details of your mutually agreed upon solutionWe wish you continued success with your business
If we can be of further assistance, please contact us.Sincerely,Sage Payment Solutions