Location:Home » financial services » Content

global lending services complaints phone number search by address

Time:2019-04-26
Total Merchant Services Review

Total Merchant Services Review


MENUMENUCredit Card ProcessingReview CategoriesCredit Card ProcessorsMobile Processing AppsOnline Payment ProcessorsHigh-Risk ProcessorsComparison PagesCredit Card ProcessorsMobile Processing AppsOnline Payment ProcessorsHigh-Risk ProcessorsLearnGuide to Payment ProcessingCredit Card Processing Fees ExplainedWhat is Interchange-Plus Pricing?Understanding PCI Compliance FeesLearn About Early Termination FeesLower Your Processing FeesBest ofSmall Business ProcessorsCanadian ProcessorsHigh-Risk ProcessorsCheapest ProcessorsRetail ProcessorsOnline ProcessorsPoint of SaleReview CategoriesGeneral POS SoftwareiPad POS SoftwareRetail POS SoftwareRestaurant POS SoftwareComparison PagesGeneral POS SoftwareiPad POS SoftwareRetail POS SoftwareRestaurant POS SoftwareLearnPOS 101: Choosing A POS SystemPOS 101: Budgeting For SuccessPOS 101: Inventory ManagementPOS 101: Offline ModePOS 101: API IntegrationsPOS 101: SecurityBest ofMobile POS AppsPOS Systems w/ Quickbooks IntegrationRetail POS SystemsFree POS SystemsPOS Systems for Food TrucksPOS Systems for Spas and SalonsLoansReview CategoriesSmall Business LoansBusiness Line of CreditInvoice FactoringStart-Up Business LoansEquipment FinancingMerchant Cash AdvanceComparison PagesSmall Business LoansBusiness Line of CreditInvoice FactoringStart-Up Business LoansEquipment FinancingMerchant Cash AdvanceLearnFind a Business LoanGuide To Small Business LoansSmall Business Loan CalculatorsSBA Loan Rates for 2019Can You Afford A Small Business Loan?Calculating Your Debt-To-Income RatioBest ofBanks For Small Business LoansFree Credit Score SitesLow-Interest Small Business LoansAlternatives To Lending ClubBusiness Lines Of CreditCash Flow LoansCredit CardsReview CategoriesSmall Business Credit CardsComparison PagesSmall Business Credit CardsLearnDos And Don'ts Of Business Credit CardsBusiness Line of Credit Vs. Credit CardImproving Your Business Credit ScoreUsing Personal Credit Cards for BusinessBest ofBusiness Credit Cards For 2019Chase Business Credit CardsAmex Business Credit CardsCash Back Business Credit CardsCharge Cards For Small BusinessesMoneyReview CategoriesMoney Transfer ReviewsComparison PagesMoney Transfer ComparisonAccountingReview CategoriesAccounting SoftwareInvoicing SoftwareComparison PagesAccounting SoftwareInvoicing SoftwareLearnBeginner's Guide to AccountingHow to Set Up Your Xero AccountQuickBooks Pro 101 SeriesXero VS QuickBooksWhat Is Double-Entry Accounting?Best ofAccounting Software For 2019Accounting Software For Small BusinessAccounting Software For MacsAccounting Software for InvoicingAccounting Software for AccountantseCommerceReview CategoriesShopping Cart SoftwareShipping SoftwareWebsite Builder SoftwareComparison PagesShopping Cart SoftwareShipping SoftwareWebsite Builder SoftwareLearnBeginner's Guide to Starting an Online StoreAdvanced Guide to Growing Your Online StoreBigCommerce VS ShopifyShopify VS VolusionBest ofShopping Carts w/ Best TemplatesShopping Carts For Global eCommerceShopping Carts for ArtistsShopping Carts For Clothing StoresOther SoftwareReview CategoriesInventory SoftwareBooking SoftwareEmail Marketing SoftwareProject Management SoftwareComparison PagesInventory SoftwareBooking SoftwareEmail Marketing SoftwareProject Management SoftwareMoreAbout Merchant MaverickOur TeamPress & MediaTestimonialsHow This Site Makes MoneyHow to Support Our WorkResourcesGuidesResearchSmall Business Loan CalculatorsLower Your Processing FeesFind a Business LoanBlogHome» Merchant Account Reviews» Total Merchant Services Review Advertiser DisclosureTotal Merchant Services Review CompareTotal Merchant Services Review 73 commentsUpdated on: Jul 25, 2017Review by: Tom DeSimoneAdvertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelinesto preserve editorial integrity. CompareProcessing $1,000 per month or less in card payments? Visit Square for the best deal Date Established1996LocationWoodland Hills, CAOverview:Total Merchant Services (TMS) is a merchant account provider headquartered in Woodland Hills, California. Founded in 1996, TMS is one of the more-established companies in the processing business. They’re also one of the larger companies in the industry, serving about 100,000 merchants. Bigger isn’t always better, however. TMS continues to suffer from an over-reliance on independent sales agents, many of whom are poorly-trained or downright unethical – or both. The company also continues to show an abnormally high number of complaints with the BBB and other review websites. Many of those complaints involve the early termination fee. TMS officially claims that they no longer charge an ETF, and sales agents routinely echo this policy in their sales pitches. However, it’s apparent from the large number of complaints about this issue that at least some merchants are indeed being charged an ETF for trying to close their accounts, assurances from sales agents notwithstanding. The use of independent sales agents is an unfortunate reality in the processing industry, particularly among the larger processors. Independent agents rarely receive the same level of training as in-house employees. They’re also under much more pressure to close the deal with a prospective merchant, as their paycheck depends on it. TMS manages to make a bad problem even worse by actively recruiting independent agents to work for them, offering a promising recruiting websitethat’s more informative than their main site. I’m also not convinced that Total Merchant Services is providing adequate customer service or competitive processing rates, and I wish the company would offer some info about an interchange-pluspricing platform on the site (you can get it through TMS, however). Its questionable sales force (to be addressed in more detail later) is a serious concern, and the unusually high complaint volume is an indicator that something is wrong. For these reasons, TMS only rates a very average 3 out of 5 stars. The company will have to show some serious improvements in order to receive a higher rating in future review updates. Final Note: If you do a Google search for Total Merchant Services, you’ll notice a large number of other sites heavily branded with the TMS logo that appear to be official, but most of those sites are actually set up by individual sales agents of TMS. Don’t be fooled. The official domain for TMS is www.totalmerchantservices.com. Table of Contents Products & Services:Fees & Rates:Contract Length & Early Termination Fee:Sales & Advertising Transparency:Customer Service and Technical Support:Negative Reviews & Complaints:Positive Reviews & Testimonials:Final Verdict:Products & Services:You’ll find a pretty broad selection of products and services at TMS. There’s a comprehensive suite of offerings with all the essentials for businesses of all sizes, including: Merchant accounts: Credit/debit card processing is actually done through Global Payments, not in-house.“Free” terminal/mobile reader: In place of its former free QuickBooks deal, TMS has now opted for a deal that includes a free terminal (and mobile reader). The terminals are from Ingenico and support both EMV and NFC contactless payments, so that’s good. However, this is basically a terminal lease, even if you aren’t charged a monthly lease fee. If you don’t return the terminal in pristine condition, you can expect to pay a hefty price tag. We don’t like terminal leases because you’re almost always better off just buying the terminal outright. Not only that, but there are a fair number of complaints about how poorly managed the return process (via FedEx) is. Learn more about terminal leaseshere.Check services: TMS calls this their Check Conversion and Guarantee Service.Groovv POS: This is basically TMS’ suite of services for small businesses. You get a POS (it’s a rebranded version of Registroid, which TMS purchased a couple years ago), as well as Groovv Offers (formerly FanMinder, a social media marketing service TMS acquired).Virtual terminal: This allows users to process transactions from any internet-connected computer via a web-browser.Integrated eCommerce support: This allows retailers to sell their goods online as well as in person.Mobile processing: TMS offers mobile processing (and a free reader) through Payment Jack for $5 a month (presumably on top of whatever the swipe rate is). However, it’s not EMV-compliant. Additional readers are $19.95 (valued at $44). Groovv also offers a mobile swiper that is separate from Payment Jack.Mobile/social marketing: FanMinder has been acquired by Groovv, but the offerings are still essentially the same: social media, SMS, and email offers that you can send to your customers to drive sales and encourage repeat visits. I like the concept, and I like that it’s integrated with the rest of Groovv. That is definitely where the industry is heading.Merchant Advantage program: This usually covers additional warranties, supplies and special offers. It might be a good deal for you, but it isn’t always. TMS will give it to you free for three months, but then they’ll automatically start charging you $14.95 per month (plus an additional $4.95 per month for each additional terminal) if you don’t explicitly cancel. If you do cancel, you can expect to pay some additional fees and you’re not eligible to re-enroll for 6 months. Check out what’s included here.Loyalty/gift card services: TMS’s loyalty program runs through Groovv Offers.Cash advances: These can be a powerful tool for merchants, or a dangerous one. Check out our guide on how to get a good deal on a cash advance.Free upgrade program: If you’re already a Total Merchant Services customer, you are eligible for an upgrade to a free Ingenico EMV/NFC terminal. I’m suspicious because where payment processing is concerned, nothing is ever really free. You might have to sign a new contract with an ETF to get the terminal, so be wary.As a final note, Total Merchant Services is now also available in Canada. Products and terms appear to be similar to their US offerings. Fees & Rates:Unfortunately, Total Merchant Services doesn’t offer any information about pricing beyond claims of “low” and “affordable” rates. Depending on whether you set your account up through the corporate office or an independent agent, rates and fees can vary dramatically. Your business type and processing volume will also affect these numbers, with higher volumes leading to better deals. I can tell you that TMS does offer interchange-plus pricingas well as seasonal downtime for most merchants, so that’s a plus. However, I’ve also seen several mentions of sudden, unexplained monthly minimum fees. While the Total Merchant Services website advertises “No monthly contracts,” I’ve nonetheless seen contracts that do include early termination fees. There are, quite predictably, a very high number of complaints about this. But that’s a topic we’ll revisit shortly. Something else that’s interesting — and something only advertised on the Groovv site— is an offer to meet or beat your current processor’s rate. If Groovv can’t, you get $500. Many merchant account providers offer a similar deal. What this really is, however, is a ploy to figure out what you’re currently paying for processing. Groovv is also offering free Apple Pay processing for a full year. I’m guessing that Apple is footing the bill on this one, because it’s got a similar deal with PayAnywhere, and you can get both the Groovv terminal and the PayAnywhere reader from Apple Stores. Both of these offers are just a little suspicious to me — gimmicks that are usually meant to distract you from something else or to hide something or make you think you’re getting a better deal than you actually are. So ask questions and do your research. If it is, in fact, a good deal for you, go for it. And then leave a commentand let us know about your experiences! Contract Length & Early Termination Fee:Previously, we reported that TMS had done away with its early termination fee(ETF). But something seems to have gone wrong. Way, way wrong. The ETF is back – sort of. The general consensus seems to be that while the ETF is no longer a standard contract term, sales agents can include it at their discretion. With so many independent agents selling contracts for the company, it’s quite possible that your agent will both include it in your contract and fail to disclose it. Needless to say, there is an abundance of complaints about this — many merchants who were promised no ETF suddenly find out they do in fact have to pay an ETF. TMS doesn’t appear to be very forgiving about the issue, either, at least not based on the BBB complaints. Not only that, but you’re signing a multi-year agreement that auto-renewsunless you follow a finicky set of steps to cancel. We’ve found a tremendous number of complaints about how difficult it is to cancel your TMS account: Getting forwarded to a cancellation department that never responds, being passed around to other customer support reps or even your sales rep — who might say they’ll cancel the account for you, but don’t (and can’t), leaving you stuck with more fees. The most recent version of Total Merchant Services’ Terms and Conditionslists a “standard termination fee” of $295. Given this, I must encourage you to be careful. Unless a signed waiver form is attached to your contract, this clause will remain active! Verbal agreements mean absolutely nothing in this business, so get it in writing. Sales & Advertising Transparency:This ETF issue is precisely why we’re always wary of companies that use independent sellers. Many of them are desperate for a sale, and they’ll promise you the world to get you to sign that piece of paper. Once you’re locked into a contract, it’s no longer their problem. There are a lot of complaints about agents who sign people up and then disappear into the wind, never to return a phone call again, and a fair number about agents that pushed people into signing agreements before they even fully understood what they were agreeing to. Do your research, and don’t let anyone push you into something you aren’t sure of. Companies that promise big bonuses for signing people up for accounts can often become more concerned about acquiring those new accounts, and much less about maintaining them. And with a $295 (or even $395) ETF fee plus whatever else TMS wants to tack on, plus dubious customer support, trying to get out of the deal can be daunting, difficult, and downright expensive. On one hand, it’s nice that TMS takes care of its agents. Sales is a tough, grueling, high-stress field. But the lack of transparency around TMS is just horrible. Not only does it seem like the sales reps are out of control, but when you press the “I Agree” button online on the TMS site, you’re actually signing a contract – whether you know it or not. And TMS likes to hide behind that contract. Look for those little links that say “Terms” or “Terms and Conditions” and read them before you press anything that even looks like an “I agree” button. Seriously, folks. This is important. Want to see the kinds of deals that TMS offers its sales team? Check them out here. All of that said, I am impressed that the company publicly discloses its Terms and Conditions in the Merchant Resourcessection of its website. Most processors don’t do this, making it very difficult to read the fine print before signing your contract. One last point that TMS doesn’t make very clear: you must return your equipment within 10 days of the contract ending, or else you have to pay for it — and you’ll have to pay whatever they say it’s worth. You can count on them not to underestimate the value. A couple of complaints on the BBB indicate that you could pay $500 or more in some situations. Something that usually indicates how well a company is performing is how active its press page and blog are. TMS hasn’t updated its press pagesince 2013, and while there are a couple of more recent articles, all of them are more focused on company culture and resources for sales agents — which is more a part of a good sales agent recruiting strategy than a way to attract more actual customers. The TMS blogis still active and the content is of decent quality, though publishing frequency seems to be dropping off. News coverage and a blog are crucial to a good marketing strategy. The blog, in particular, is such a useful tool for consumer education, and a good way to showcase how a company is innovating and improving its offerings. Sharing information, either in a blog post or in a news story, is also a good indicator of transparency. So while these are certainly low-ranking concerns, they’re not something we ignore. Customer Service and Technical Support:TMS offers 24/7 “Terminal Support,” which covers any problems with your terminal. I haven’t been able to confirm that the company offers general support 24/7 as well, but you do get both phone and email, as well as a somewhat disappointing Support FAQspage. If you have had experience with the support offered by TMS, please leave me a comment! As a reviewer, it’s difficult to assess how TMS handles complex problems, so I rely on our readers to help me fill in the blanks here and keep the review as accurate as possible. The number of complaints about the quality of service makes it seem like TMS leaves much to be desired. Negative Reviews & Complaints:The previous BBB page for Total Merchant Services was taken down in 2013 when the Los Angeles office of the BBB closed. TMS essentially started over with a clean slate, and by June 2014, they only showed 27 closed complaints within the past twelve months. This is about on par with the 98 complaints in three years that we noted earlier in 2013 before the page was reset. Since then, complaints on TMS’ BBB page have shot up dramatically. As of July 2017, they now have 266 complaints in the last three years — that’s more than two times higher than the three-year count in 2013. Even worse, 63 of those complaints happened in the last twelve months. That’s nearly three times higher than the number of 2014 complaints. You will also find about 20 separate BBB accounts listed for independent offices. It’s so hard to adequately get a picture of everything with so much of the information scattered around the web, and the sales force consisting primarily of independent sales agents. Still, it’s safe to say complaints to the BBB are on the rise. Beyond the BBB, there are 64 complaints through Ripoff Reports (up from 63 at the last review). Common complaints include: Unethical independent agents: While I really believe that TMS tries to give its agents the tools needed to serve merchants well, I also know that it isn’t turning too many potential sales people away. If you called tomorrow and wanted to be a sales agent, TMS would probably take you, regardless of your work experience or educational background. Does that mean you’d make a good agent? Not necessarily. Since the rigors of the typical employee hiring process are removed, some bad eggs are bound to get through. Given the rise in complaints and the fact that a significant number of them reference shady sales practices or mysterious sales reps, I think there might be more bad eggs than there were in previous years. That’s not to say every single sales rep is dishonest. But you should always deal with the company directly when you can, and do your research on the independent representative you choose.Poor customer service: While TMS advertises “World Class Customer Service,” I’m not convinced. A ton of complaints I’ve read include qualms about customer service, and the company isn’t doing much to convince me it’s getting the job done in this department. A frequent point of contention in BBB complaints is being passed from department to department, as well as unhelpful, even rude customer support. My advice here is to sign up with a high-quality agent who can be your point of contact within the business when you have problems. If you need help finding a good agent within TMS or a sales rep for another provider, we can help.Undisclosed, unexpected fees and high processing costs: This, along with the sales reps and poor quality service, is one of the most common complaints, and it’s also our least favorite thing to see at Merchant Maverick. When you are given a specific rate quote by an agent, that’s what you should pay. Random tacked-on fees can add up and seriously hurt a merchant’s bottom line. Some merchants have been assessed a monthly minimumfee, which seems not only to vary by merchant, but also by month in some instances.Shady gimmicks: More than a few merchants complained about being promised a “free trial” or a “no-obligation” trial period that their sales reps have offered. Then people call to cancel and find out they’re locked into a contract and the support team denies any knowledge of such offers. The Merchant Advantage program is free for the first three months, but TMS will automatically extend the service and start charging you for it after that unless you’ve explicitly opted out of the program. Opting out comes with its own fees and penalties, too.Problems returning equipment: This came up with enough frequency that it merits mentioning. If you opt for the “free” terminal deal, you’re essentially leasing the equipment, and if you close your account, you must return the terminals. Fair enough, right? However, there are clearly some issues with the return process — whether it’s items that are lost in transit or charges that appear after the device is returned, or shipping labels that never seem to arrive. Free terminals are often a bad deal, and you’re typically better off just buying them outright.The thing I like the least, out of all these complaints, is this: Just reviewing the BBB responses makes my skin crawl. Square sounds more human when responding to BBB complaints — even the ones in which it reiterates that it can terminate an account for any reason, or no reason at all. This is unforgiving and unyielding customer support that doesn’t seem to care if its reps lie because TMS can hide behind its electronic agreement. I honestly can’t say with confidence that going through the BBB will actually help you solve your problem, and I really don’t like that. Positive Reviews & Testimonials:You won’t find any testimonials or reviews on the TMS site — not from merchants anyway. You will find a section for sales agent testimonials. I’m always a little disappointed when I see this, since I much prefer to see a few kind words from merchants. However, you will find a few very basic testimonials on the Groovv Offers product page, as well as a single video testimonial on its YouTube page. Overall, you won’t see too many people going out of their way to say nice things about Total Merchant Services publicly, but you will find a number of sales agents who seem sincerely proud to offer the TMS products (including in our Commentssection below). This means less to me than hearing from merchants directly, but it does mean something. It’s not that we think every sales rep is dishonest — just that there’s not a lot of transparency and probably limited oversight for a large sales team. Final Verdict:Overall, it’s hard to recommend Total Merchant Services if you’re in the market for a credit card processor. On one hand, TMS does offer a variety of solid products and services for small or even large businesses. Groovv, and everything it entails, is keeping pace with industry developments. The company also offers interchange-plus pricing plans, something we really like to see. Unfortunately, these positive features are more than offset by the many negative factors you’ll have to deal with as a TMS customer. The quality of its sales team is spotty at best, and there’s a good chance you’ll end up dealing with an independent agent who’s more interested in closing the deal by any means necessary than in getting you the best possible deal. Early termination fees that may or may not be included in your contract, “free” terminal leases that are difficult and expensive to get out of, and notoriously poor customer service are all further reasons to steer clear of TMS. At the moment, Total Merchant Services only rates 3 out of 5 stars. If you do opt to go with them, beware of any gimmicks, do your research, and most importantly, get everything in writing. If you’ve had any experience with TMS, good or bad, please let us know about it in the Commentssection below. If you want to know what it takes to get a five-star review from us, check out our comparison chartfor some examples. Thanks for reading! BioTwitterGoogle+LinkedInLatest PostsTom DeSimoneBased in New York’s Hudson Valley, Tom has written for Merchant Maverick since 2013 and currently serves as the website’s managing editor for payment processing content. His work is cited by publications including TechCrunch, Washington Business Journal, and Bank Advisor. Press seeking expert comments for stories related to credit card processing can reach him via LinkedIn for a prompt reply.@tahmdesimone+Tom DeSimoneLatest posts by Tom DeSimone (see all) Do You Really Need An EMV Chip Card Terminal?- April 18, 2019 Is Square Right For Your Business?- January 27, 2018 The Truth About Third-Party Payment Processing- January 18, 2018 How To Accept Credit Cards for Girl Scout Cookie Sales- January 12, 2018 The Best Mobile and Low-Volume Payment Processing Solutions- February 22, 2016Show moreShow lessLeave a comment73 Comments Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered. tom October 25, 2018 at 10:11 am Organization Name: galaxy this is possibly the worst company in the entire U.S. I have so many bad encounters with them it would take a 1000 page book to cover. first the salesman ripped me off, then the company debited my account for a charge back that never happened. they had lead me along now for two months over 189 dollars. do not ever do business with them. 1 Organization Name: galaxy ReplyRobert Savage June 19, 2018 at 9:48 am Organization Name: In-N-Out Mart Beware of this company. I investigated and started to set up credit card processing with this company so that we could take EBT cards. Never got fully set up, never got approval to take the EBT cards, and never ran a single transaction. Notified them we cancelled. (They later even acknowledged that to me). They continued to charge monthly fees. 4 years later they turn me over to collections and demand I settle with them! They say that they won’t shut the monthly fees down either because the account can’t be closed with an outstanding balance.As I said, BEWARE! 1 Organization Name: In-N-Out Mart ReplyPerry Gupta June 12, 2018 at 3:52 pm Organization Name: Blossom Custom Arts This company is company of thieves I need to terminate my account.They said i have to pay fees Which i have never signed for, I did clearly talk with the Total Merchant Services when i opened my account that it should be cancelled anytime.I told them show me document i have signed. Then he said I Dont know anything but you have to pay fees.Moreover he said talk to the person who initiated service for you like they Dont know who opened my account like they dont keep that in system who opened my account total BS.He said we are not Total Merchant services we are North American bank you are calling on wrong no.I called the Toll free no. which is on website of Total Merchant Services.I am gonna take to the court. They dont know whom they are messing with.They gonna pay for it big time anyone who has same problem with them contact me.I am gonna run the Facebook and Google campaign too. He said let me call someone then he hung up on me.Just dont believe these people dont go for their service you will regret. 1 Organization Name: Blossom Custom Arts ReplyIsa Veiga June 7, 2018 at 6:05 pm Organization Name: Elite Salons "hairstoyou" Total merchant is sneaky and has poor handling of customers. You have been advised. The fees are high and you better stay on top of your statements because they make changes and not inform the clients . 1 Organization Name: Elite Salons "hairstoyou" ReplyTammy Taylor-Evans February 21, 2018 at 11:12 am Organization Name: Best Buy Pawn Total Merchant Services have turned into crooks taking our money with fraudulently fake fees I have been a customer for years up until they closed our account from filing complaints with feds, better business bureau and they didn’t even send us a letter or warning so this cost us money until we found another merchant. They charged us for 2 machines for over a year1/2 along with some made up fees when we finally caught it and brought it to their attention they admitted fault but would only reimburse us for 3 months we declined that offer then it went to 6 months declined it as well! $1400 is what they owe us that was deducted out of our checking account! This company has turned into a rotten bad apple stealing from business owners! Don’t use this company BEWARE RUN FIND ANOTHER MERCHANT THAT IS HONEST AND DOES THE PAYING CUSTOMER RIGHT! 1 Organization Name: Best Buy Pawn ReplyPavith Hemachandra January 9, 2018 at 5:27 am Hi, Quick Questions. What are the other companies which provides these services? ReplyJessica Dinsmore January 9, 2018 at 8:12 am Hi Pavith, There are lots of options, but here is a comparison chartof our favorite Merchant Account Providers. You can also try our filtering toolto see recommendations for your specific business needs. ReplyMark November 16, 2017 at 10:45 am Don’t under any circumstance use these thieves. Tons of hidden fees, no customer support, fees are not as described by independent agent, charge back system issued before even contacting merchant, getting account info is a pain in the butt. 2 websites and one not even run by them. Run as fast as you can. ReplyJohn Morman June 20, 2017 at 12:52 pm Awful service. Consistently late depositing our funds: on weekends deposit the slow Sunday, keep the higher Saturday deposit and blame the bank for not transferring the money. Don’t return phone calls. Don’t send updates on queries after promising to do so. Machines don’t work reliably — they are tied into AT&T in a region where AT&T has virtually no coverage.In short, don’t go near this company. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJanice BradberryMay 3, 2017 at 2:04 pm Started off great then the excessive charges from them started. I would never recommend this company. Customer Service is a joke and the rudest people I have ever dealt with they are total jerks. They are rude and the word “Service” is unknown to them. I have discontinued the service and am waiting for the bomb to drop with charges. If this happens I am prepared to get an attorney involved. Run from anyone selling this service!! This comment refers to an earlier version of this review and may be outdated. ReplyAnthony SaenzMarch 10, 2017 at 3:09 pm I have had nothing but trouble with this company. It was nice at the beginning and then I started getting “okie doke” chargers in December of 2015… Other fees that I was not made aware of until I got them. When I asked about no disclosure… I got the answer.. “Thats the way we do it.’ Wow talk about customer service.. It does not exit. In December I got got my “tipping point”. On the 19th, 2016 I awoke to a alert that my bank account was negative $700.00 I went on line to see that Total Merchant Services charged my business account three charge backs totaling $903.00. I did not have any business or money put into my account for actual business. I contacted Customer Service at Total Merchant Services and they told me that they money came out of my account on charge backs on business I had done in the last week.When I told the young woman that there was no money in the account and no business that week… She went silent. After a long hold she came back and said that was a form for me to fill out to see if they could get my money back… I smelled “Fraud”… I went to my bank the next day and put a stop payment on the $903.00 exodus….. I stopped my service with TMS with an e-mail and letter. Also I returned their equipment to them – registered insured mail. They are still trying to collect on money that was never there to begin with…. Not at all honest. Do not do any business with these people under any circumstances… 1 This comment refers to an earlier version of this review and may be outdated. ReplyS&L Farm December 6, 2016 at 9:39 am Don’t use proxy if you are a small business. They still are charging ETF and I was lied to by the salesperson. I have been paying the seasonal vendor fee each month for over a year to avoid having my bank account charged $299.00. It increases at whim went from 14.00 to 19.00 in Nov 2016 without warning. Do not use TMS unless you have a lawyer on retainer or are a very large entity 1 This comment refers to an earlier version of this review and may be outdated. ReplyJeff Herbst October 24, 2016 at 9:22 pm They have ripped me off. I tried to end my contract 2 years ago they continued to take money out of my account until last month. I sent back my equipment 2 years ago when i thought i ended the contract. Now they are trying to get me to send it again. The person who set me up opened accounts by changing figures on a contract i signed and re coping it. I’m going to file a police report and call the better business bureau. They have taken over $2000 out of my account and provided no services. This comment refers to an earlier version of this review and may be outdated. Replylonnie rucker September 27, 2016 at 6:24 am I dont like the way that they pull you in to the contract, and then they say you should have read the contract when they say every thing is free, no annual fee,no hidden fees, no IRS reporting fee, and they are not their to help all the time.how do i get out? help This comment refers to an earlier version of this review and may be outdated. ReplyChloe Bahal September 27, 2016 at 8:26 am Hi Lonnie, Unfortunately you are probably going to be looking at an early termination fee. In the processing industry, it is always advised to get things in writing, a verbal conformation is not enough. I would suggest thoroughly reading the Terms and Conditions of your contract and follow the instructions on how to cancel. Please also see our “Contract Length and Early Termination Fee” section of our review. This comment refers to an earlier version of this review and may be outdated. ReplyMary MaderApril 17, 2016 at 6:48 pm I started with this company about 6 months only to find out they drafted $150 from my business account and I have yet to see my money I have collected from my account. Then when I wanted to cancel they promised to put the money in my account. They deposited $2.33 instead of $53. I will contact the comptroller of currency to bring this company down! This comment refers to an earlier version of this review and may be outdated. ReplyJimFebruary 29, 2016 at 7:35 am I was with Total Merchant Services for 12 years without chargebacks. Other companies were telling me how bad their processing rates were. Called them for a review and was promised someone would review my rates and get back. Three months later no review so I dumped them only to discover they would hit me with a $95 cancellation fee. . . . after 12 years! I had no terminals or equipment to return and everything was already switched to the new processor. All they had to do was close the account. Wouldn’t wish these people on my competition. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJimFebruary 29, 2016 at 7:33 am I was with Total Merchant Services for 12 years without chargebacks. Other companies were telling me how bad their processing rates were. Called them for a review and was promised someone would review my rates and get back. Three months later no review so I dumped them only to discover they would hit me with a $95 cancellation fee. . . . after 12 years! I had not terminals of equipment to return and everything was already switched to the new processor. All they had to do was close the account. Wouldn’t wish these people on my competition. 1 This comment refers to an earlier version of this review and may be outdated. ReplyRick McClure February 18, 2016 at 3:48 pm I signed up for service from TMS in early 2013. I quickly learned that the software I used for my business used a proprietary Merchant processor, so I contacted the agent I used to start the service and told him that I needed to end my service with TMS. To my knowledge, my service was ended in early June 2013.Jump ahead to 2016, my business ended and I’m trying to end all business affairs. I notice that there are a number of recurring charges to my checking account that caused it to be over drafted on several occasions. I kept working with my Merchant processor to find out why the charges kept occurring. They were finally able to help me discover that the charges I was seeing were coming from TMS. I immediately contacted TMS and was told that they could see where the merchant account was closed in 2013 but there was an internet account that had remained open, which was the source of the charges I was experiencing. They promptly closed the account on February 3, 2016.I wrote seeking a refund of all charges that had been assessed on my account. TMS did not provide me any service. They simply just kept charging my checking account. I thought all of the charges that I saw on my account were from my Merchant processor, not TMS, who I thought was ended. TMS sent a reply stating that they received my letter and that I should hear a response within 24 hours. Well, 9 days later I write another letter since I have not a response. I got an anonymous reply from TMS stating that one account was closed and the other had remained open until February 2016 and that they do not give refunds, even if they didn’t provide any service. WHAT? They know that a request was made to their agent by me to close my account and somehow only one got closed. We’re likely talking over $3000 in unwarranted charges that they do not want to refund, even though they didn’t provide any service.The customer service that I have received has been less than desirable. I’ve elevated my complaint. We’ll see. I do not recommend them. 1 This comment refers to an earlier version of this review and may be outdated. ReplySusan March 14, 2016 at 11:58 am Same thing is happening to me. Deposits not going into my accounts, strange fees being charged. No help! This comment refers to an earlier version of this review and may be outdated. ReplyTony June 2, 2016 at 12:58 pm Rick, did you receive your refund or even a response since escalating? Pretty much the same thing happened to my wife! This comment refers to an earlier version of this review and may be outdated. Replytk January 10, 2016 at 2:41 pm This company charges excessive fees!!! Every other month they tack on some kind of fee!!! Yes you have to wait on hold for a long time before you even get to talk to them!!! Then when you go to cancel your account when you are tired of the whole mess then they charge an extremely high cancellation fee. They never tell you that you are in a 3 yr. contract and that there will be a cancellation fee and that there is no way to undo the contract, until you decide to cancel. I asked one supervisor if this was common for people to complain about them not telling someone about the cancellation policy and she said yes. I think with this many bad reviews and them admitting that there is a problem that they would do something about it, like waive it and make sure their sales team tells the customers about it. This company is a total ripoff. I would never recommend their services, EVER!! This comment refers to an earlier version of this review and may be outdated. ReplyJonathan Wofford January 6, 2016 at 7:39 am [Potential Merchants] Notice that there isn’t a way to give star based reviews for this company on Facebook. Its because they will rip you off and not give you refunds for amounts that they “notify” you of. You also will not be allowed to speak with a supervisor after being put on hold for over 30 minutes.Yes you may save some money when they sign you up. But in the long run they will take more from you than even the bigger guys. My suggestion is to use anyone else except this processing company, which is now apparently owned by Wells Fargo, according to their footer on their site. Oh lets also not forget that if you want paper billing it is $2 a month. But if you want to login to look at your electronic bill you will have to reset your password if it has been more than 30 days. Which never worked for me, so I would have to email my area sales rep to get him to call someone, who would call someone, who would email someone that would send a password reset. I am now going to have to fight with these guys through my bank due to the charges they have placed. 1 This comment refers to an earlier version of this review and may be outdated. ReplyBrad BurnsAugust 14, 2015 at 2:41 pm Absolutely the worst company to do business with in the history of merchant services, run far far away from these clowns. I’m taking them to court. 1 This comment refers to an earlier version of this review and may be outdated. ReplyDisc Meds July 28, 2015 at 8:12 pm Do Not Call list violators. They call me several times a week and simply hang up. When I call back the number that had just been so rude to me, it is answered by TMC. I told one loser who called me yesterday and was told off, that I make good on my threat to file a complaint with the FTC, and I have, numerous times. Now I call them back several times a day just to harass them and call them a bunch of thrid world shit eaters. They stopped taking my calls… I wonder why?Avoid these dirtbags. 1 This comment refers to an earlier version of this review and may be outdated. ReplyAndrew MartinJuly 16, 2015 at 6:24 pm Monthly fees are way too high and customer service is slow. When I finally cancelled my account I was changed a cancellation fee on top of the poor service and outrageously high maintenance fees. No Bueno! 1 This comment refers to an earlier version of this review and may be outdated. Replytoni cantor June 29, 2015 at 8:28 pm date 6-29-15 this company has one of the most unprofessional representatives I have encountered in ach processing. I need an email back immediately before legal action is taken.1. missed (3) that is right three scheduled appointments. While I was preparing for an annual art tour my company performs. 2. I did not solicite your business, your representative walked into my brick and mortar and asked for mine, my time and my personal information.3. The debra bowen act puts very specific requirements and penalties for unprofessionalism that involve the request, storage and use of personal credit or identity information. Your representative gives me zero, actually less than that in confidence, your company is not a scam or complying with my privacy rights and financial information.4. Bait and switch to refusing to give supervisor information or company contact info on request after, she had proven untrustworthy with my and my company financial and credit and banking information.5. All we have is a business card, two cell phones which will be handed over in a fraud complaint and privacy act violation police report if this matter is not handled by the 2nd of July.If you are going to be in the ACH business, you need to tighten up. Totally pathetic that VISA, MC, DISCOVER or banks do not police you more thoroughly Couple this with a hit on credit from a mysterious credit processor, when our company did not soliciate one and have had the same since 2009 and in business since 1998.Fix or see you in court. 1 This comment refers to an earlier version of this review and may be outdated. ReplyErin Richmond June 15, 2015 at 4:34 pm This business engages in illegal practices, 100% of the time. This website states that the BBB has only received a small number of complaints, but when we filed our complaint, the number was at 311 in the past two years. This company sent us a contract via fax, which we signed. This contract had no term agreements or early termination fee written into it, but when we tried to cancel our account, they charged us a $490 termination fee. When contacted, they stated their copy of the contract had a termination fee on it. Fortunately, we had a hard copy of the contract. They did refund us the $490 because they realized they were holding a fraudulent contract which they had altered after the original signing. Even after this occurred, they charged us another $200 because we supposedly did not return the credit equipment. After a few more exhausting and ridiculous phone calls, they also refunded us the $200 because we had sent our equipment back months before the charge. Long story short, stay away from this business. They engage in criminal business practices. 1 This comment refers to an earlier version of this review and may be outdated. ReplyAshli YoungJune 10, 2015 at 11:34 pm Can I give negative stars? I have been harassed by these guys to an unbelievable degree that I’m in complete shock. I received numerous phone calls from them and I explained that I was not interested in their services however they continue to call. I was not rude I just simply said no thanks. They will not take no for an answer. I just checked my voicemail & the last call from them resulted in the man calling me a “Mother F***er” on my voicemail. I am appalled that they would allow their employees to behave this way. I sure don’t want anything to do with them now and I want others to know what happened so that they don’t get mixed up in a company like that. 1 This comment refers to an earlier version of this review and may be outdated. ReplyAubrey Clarke June 5, 2015 at 10:26 am Total Merchant Services are complete crooks in my opinion.I used this company for 4 years to process my credit cards at my small auto repair shop.The first year on average it cost me abot 1 to 1 1/2 percent .The last year I used them that number was up to 4 and 4 1/2.I changed companies and found a better company to handle my credit and debit cars at my shop.I cancelled my services and Total Merchant Services continued charging me monthly fee’s of about $50.00 a month for 26 more month’s for services they were no longer providing.I called and called until I was blue in the face.They play these hold games on the phone to make you feel like you will implode.I am a patient person but my goodness!! Finally after calling and canceling numerous time’s a rep. Of Total Merchant Services tells me that the fund’s they have charged me over the last 26 months for services they did not provide can not and will not be refunded and she goes on to tell me that if I truly want the monthly fee’s to stop I can pay a cancellation fee,again in the amount of $199.99. So as for me I will avoid Total Merchant Services like the black Plague!! I feel like I have been robbed by them and was overcharged and overcharged fees on a monthly basis.But trying to get away from the company is a whole other nightmare.The telephone hold games.The monthly charges they continue to withdraw from your bank account for services they no longer provide.A real nightmare.You would think in this day and age we as American;s would have someone to protect us from Savvy thieves like Total Merchant Services.I pray someone put’s a stop to their scam’s!!. 1 This comment refers to an earlier version of this review and may be outdated. ReplyNancy GomezMay 26, 2015 at 7:14 pm It is too bad I have to give them one star. They desire 0. My terminal was shut down (swipe) TMS did not know the company went out of business. That was down for 10 days lucky I have an online account. Then they told me I did not have to fill out the IRS I think D-5 paperwork that my EIN number matched. Well then the government starting taking 28% of my deposits. Stay away from this company if you want to keep any of the money that your company generates I think that a class action law suit is in order. I would be all for that 1 This comment refers to an earlier version of this review and may be outdated. ReplySharon PantherMay 21, 2015 at 6:55 pm What does it take for them to accept the word NO, we get at least two three page faxes a week, I have requested at least three times to be removed from their fax list also called the company. I feel like this company is stalking us. This comment refers to an earlier version of this review and may be outdated. ReplyPatricia OteroMay 13, 2015 at 5:09 pm I am relieved to have read your review and find that they are a legitimate company. I spoke to them and they started asking for personal information i.e. checking acct, #’s and credit history. I told them I would call them back, read your review and now I can make my decision. 5 This comment refers to an earlier version of this review and may be outdated. ReplyWoodson Woodworks April 29, 2015 at 5:42 pm I am in the process of signing up for a merchant account so am spending a couple of days on research. Your review is the most balanced so far.Thanks 4 This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone April 29, 2015 at 7:21 pm Glad to help! If you’d like some more guidance, try our new toolthat matches you with the best provider for your business. Take care, Tom This comment refers to an earlier version of this review and may be outdated. ReplyOdus Fryman April 25, 2015 at 6:05 pm Went with this company cause they were suppose to be cheaper on fees just got our machine 2 weeks ago and started using it I checked bank account and none of our deposits were coming through they don’t know where the money is almost 1200 dollars they would have made us over draw if I hadn’t checked and unhooked their machine they better send us our money. This comment refers to an earlier version of this review and may be outdated. ReplyPenny Watson April 20, 2015 at 11:34 pm I was called by TMS this afternoon, and when I questioned their fee schedule and high early termination fees they put the squeeze on hard to get me to sign up. They sent me a contract which they wanted me to sign while we were on the phone together, and I asked them to call me back and give me some time to review the terms. Thank God I did. These guys gave me a knot in my stomach. No WAY would I sign up for services with them. 1 This comment refers to an earlier version of this review and may be outdated. ReplyHelen Folsom April 17, 2015 at 10:20 pm Stay away! Unless you want to give up most of your money to TMS. Dishonest, phony fees, cranky tech support. The billing support people cannot even look up your account, and you will hang on the phone for a very loooong time just to find out that they are ZERO help. They took 1/4 of the money I booked thru them, until I kicked them off the stack. 1 This comment refers to an earlier version of this review and may be outdated. Replylori lister April 15, 2015 at 7:51 pm Been with this company like 5 years and I’ve never had a problem. If something is wrong with my cc they have replaced it no questions asked. If I need paper they give it free and with in 2 days it’s great. I’m really shocked by these reviews and makes me think maybe I should change companies but what one to change to that offers free machine in paper at such a low price for processing This comment refers to an earlier version of this review and may be outdated. Replydan August 1, 2017 at 3:52 pm you are paying $10.00 per month for that ‘free’ paper … the 1st month is really free after that you are better off buying the thermal paper online …. I forget what they called it but its 10 bucks a month and you can cancel it … I do about 1000 a month in charges and its always 45 to 60 in fees etc … I’m looking for a cheaper company now …. they are going to review and email me in 24-48 hrs to try to keep me … and 95 buck pci fee sucks every year … ReplyKaren AnesiApril 2, 2015 at 1:14 pm I have been a customer of Total Merchant Services for more than a decade. If i could give them a zero, I would. More than a year ago we asked for explanation regarding hidden fees, poor communication and a host of issues. Our agent was Martin Franze. Long story short, he repeated three times in the last month an incorrect date regarding the termination of our contract, then declared a penalty more than double what would have been assessed had his claims been correct. Even under the threat of a call to the Colorado Attorney General did he persist with half truths, denials and misstatements. When I was able to independently confirm that he was not in possession of the facts, when he was finally “caught” at the eleventh hour, he played the “Sorry for the confusion” card. Stay away from this unethical company. They are expensive and worse, do not disclose the truth even when confronted. I have never filed a complaint or registered an unfavorable review in my 15 years of doing business, but others should be warned. 1 This comment refers to an earlier version of this review and may be outdated. ReplyPauline VaughnMarch 31, 2015 at 4:52 pm This company is a total RIP OFF! We fulfilled our contract duration and they still charged us $195 to cancel our contract. We sent our machine back as instructed and now they are trying to charge us $750 for not returning our machine. DO NOT do business with this company. They are scammers. Their monthly fees were very high and they were always taking out additional fees. Terrible!!!! 1 This comment refers to an earlier version of this review and may be outdated. Replykristina K March 5, 2015 at 9:33 pm WORST COMPANY EVER STAY AWAY FROM THEM, machine hasn’t worked in almost a 2 weeks , lost costumer and money, . I call and call when I finally did speak to someone they were extremely rude and condescending. I have been trying to cancel for weeks and apparently no one in the company knows how to because they just transfer you from person to person and every one say something different , Also I was charged for the month where the machine wasn’t even online ,TERMINAL WAS N’T WORK ,They are just scammers ,crook and the fraud, go on my bank account 3 times and takes money , I have to fight with them .I have my business 21 years , never had such problems ( 1 year only I have them )BED, NASTY , steal your money STAY FARO WAY FROM THEM This comment refers to an earlier version of this review and may be outdated. ReplyBrie Schedeler January 9, 2015 at 9:45 pm Horrible experience. Every complaint you’ve read is true. As a small business owner , who was told I would be “taken care of” I felt extremely let down by both my inside sales rep and TMS directly. I finally switched to a new service provider and I was told repeatedly and assured my TMS account was closed- yet every month I received deductions, monthly fees, and terminal security fees for a terminal that hadn’t been in my office for over 4 months. I sat on hold for over 2 hours on multiple occasions only to eventually be offered to leave a message and a customer service rep will call you back (who never did!) It’s nearly impossible to try and close your account- once opened and even my inside sales rep is useless in the process. Entrusting them with my business was the biggest mistake I ever made. 1 This comment refers to an earlier version of this review and may be outdated. ReplyAngelle Meaux January 7, 2015 at 5:03 pm Machine hasn’t worked in almost a month. Trying to talk to customer service is like pulling teeth as it takes about an hour per call to even get someone on the phone before they transfer you to some other department that also puts you on hold. When I finally did speak to someone they were extremely rude and condescending. We have been trying to cancel for weeks and apparently no one in the company knows how to because they just transfer you from person to person until you can no longer stay on the line because you are at work!!!!! Also we were charged almost double for the month where the machine wasn’t even online!!!! 1 This comment refers to an earlier version of this review and may be outdated. ReplyBill S. November 20, 2014 at 3:07 pm Read the bad reviews. Believe all of them. Cancelled my account as they are simply liars and thieves. Today there are far better options. Hopefully the reviews on this website will cost them business and save someone a huge headache. 1 This comment refers to an earlier version of this review and may be outdated. ReplyCynthia Holdefer September 23, 2014 at 12:36 am My daughter had the account to begin with and turned it over to me and I used it for a year or so and stopped. I never signed any agreement papers and was told that once I stopped using the CC machine and all transactions cleared that I would not have to pay anymore service charges. I retired and stopped paying close attention to my account, had many health issues and multiple collection agencies collecting health payments. I kept noticing a Global charge on my account and thought it was the last of my health care payments, but it kept being taken out and was varying amounts every month. I called my bank and they told me who the company was and I realized they had taken at least $2500 over a 3 year period out of my account. Officially I never authorized them to take any money out and at first they would not even talk to me because it was still in my daughters name. Having gone through an act of congress, we closed the account and I knew that I was out all that money. I accepted that. Never once was I told to send the card reader back….besides it was over 5 years old and extinct by now. About a month later I noticed $750 was taken out of my account by TMS company and over-drafted my account along with many more transactions as well because I did not anticipate $750 from my account. When I called they said that I needed to send the card reader back, I was very angry because after all I never authorized anything to begin with. They said they would send me a box to send the card reader in and I said, give me the address, I will send it back myself. They agreed that I would get the money back on my account quicker that way. That was September 3rd and today is September 22nd. I still did not have the money on my account so I called again. They gave me such a run around, I got my daughter involved and every single time I would barely raise my voice I was told not to talk to them in that tone. So DO YOU WANT ME TO SING MY DISPLEASURE!!!!!! Thank GOD for tracking records but of course, it is never their fault. DO NOT EVER USE THIS COMPANY!!!!!!! If I do not receive my money back into my account by the end of this week, this message will be on Facebook, Yelp and any other service I can find. Oh and by the way, they still do not have anything signed by me, so a lawsuit may be pending! 1 This comment refers to an earlier version of this review and may be outdated. ReplyRichard Minick August 25, 2014 at 9:53 pm I had signed up for this when my wife was just looking for info. Called to cancel that day and was advised to refuse shipment of machine and I did. One month later I get a box to send the machine back to TMS. Called them and told them it had been shipped back. A rude man told me that they had not received the unit and I was to investigate why it had not come back. Told them to call FedEx for that information. Today I find they have taken $500 from my checking account without authorization. I called them and they admitted the mistake, but told me they had to keep my money until I could get paperwork from my bank. I spent 2 hours of my productive time with these people. Stay away from them. 1 This comment refers to an earlier version of this review and may be outdated. ReplyDaniel Ricker August 19, 2014 at 4:07 pm I’ve been with TMS for a little more than four years. The rep told me they had no cancellation fee, and there was none in their “Schedule of Fees”. As a small mobile business owner, I’ve been tempted to go with Square or a clone and just accept credit cards with my mobile phone. I’ve stayed with TMS because I like having paper receipts that a customer can write a tip on. Anyway, after they added a mysterious $100 charge last December (we get your Xmas bonus charge), I decided to start looking elsewhere. Apparently I’ve been substantially overcharged for a real merchant account all these years. I recently switched to a lower cost alternative, and when I went to cancel my TMS account, I was told there was a $195 cancellation fee buried in #13 on page 3 of their contract agreement. BEWARE!! Read the fine print. These guys are shady and and will lie to your face. This rant is my only legal recourse. 1 This comment refers to an earlier version of this review and may be outdated. ReplyTodd Yung August 8, 2014 at 2:00 am TMS sucks. Here’s why: I signed up for a cc machine because I was doing a govt contract and could only be paid with a credit card. I’m in construction and a cc machine is not a necessity for me, so if u use a machine a lot perhaps one should disregard this rant. The machine works great, no complaints. The problems arose last month when my bookkeeper asked about a $67 auto withdrawal from my account. I have not used the machine for 3 months or so. I called TMS and got nowhere except: “read ur agreement sir”. This was about an hour of being on hold. Yesterday, my bookkeeper said, “you call the cc company? Your charges are $77 this month. I have not used the machine 4 months now. So, I called them back and was referred to my sales partner, who is an independent company that signed me up. TMS really doesn’t know what these “sub-prime mortgage lenders” are up to, at least that is what they told me. I did ask 4 times on the phone when I signed up: 1% fees right? Yes, they didn’t hesitate to say. I know there are fees to a business, I am a company president. But I hate being lied to and rushed through a contract and then have the fees doubled over the contract amount. My agreement was $25 per month, $10. For wireless and some other minor fees. The $77 a month? Nobody has an answer. Tomorrow I will spend another hour on the phone settling my termination fee of $400 to get out of my 5 year contract. Be careful with this company. They use outside sales firms but don’t seem to have a handle on their practices which tells me they are not a good company to choose. And that is why TMS sucks. Please fact check the info presented on the header of this article. There is lots of misinformation. Good luck and if u are choosing a cc service, I encourage u to be very careful as the only recourse I had for any consumer rights was writing this rant. 1 This comment refers to an earlier version of this review and may be outdated. ReplyAngela Champ July 29, 2014 at 9:47 pm On March 26 2013 I sent a signed letter asking to stop our contract of accepting credit cards. February was the last month we used them for credit card processing. They or the Alaska Financial Network Corp who signed me up would acknowledge me. I had my account manger acknowledge in Oct of 2013 & do absolutely nothing. All the while they keep taking 67.20 out of my bank account as Global Pay, on 1/31/14 they took $166.20. They took 9 x 67.20 = 604.80 + 166.20 for a total of $771.00. I put a stop on my account in February 2014 & finally someone from one of the companies call & says they do not have my signature so they can not cancel the account, however later they admit they have my original letter signed & they have no records of sending me an e-mail stating they needed my signature. They have a note on my account from an employee who no longer works for them saying she sent an e-mail. March 2014 charges show up on my account of 67.35 from guess who TMS a stop is put on my account in their name. I call & guess what they tell me they are just going to keep switching names (I guess they have plenty of names to use) & taking money. I ask for refund for taking my money with no right to take it. In June 2014 they credit my account $134.70. They still owe me $703.65 & I want to start a class action lawsuit is there anyone who is in this situation who wants to join or a lawyer who wants the case? This comment refers to an earlier version of this review and may be outdated. Replymelissa January 6, 2015 at 9:39 pm Just found out they’ve been deducting money from my account since Sept 2013, I canceled in Aug 2013. My bank is useless, they are disputing charges for the last 60 days only! They are also putting a stop payment to prevent them from taking anything further but informed me that if they change their name even slightly, TMS can still take money! I’m down for a class action law suit! 1 This comment refers to an earlier version of this review and may be outdated. ReplyAngela Poland March 4, 2015 at 8:31 pm I just went through the same thing you did. I had two business with this company theycharged me over 1,000 in fees after I was out of my contract and canceled. I would love to get some people together and have a huge lawsuit against this company. I just got off the phone with this fraud of a company. This is not the last time they have heard from me. This comment refers to an earlier version of this review and may be outdated. Replymarie washer July 21, 2014 at 4:59 pm we have a business here “European auto co.” and we are having difficulty with our transaction- I keep calling my agent- no response- busy all the time- and we call the 888 # its always busy- what should I do- no very happy about the service- can not get anyone to help. on line or by phone- Help please- This comment refers to an earlier version of this review and may be outdated. ReplyShane Walters July 8, 2014 at 7:13 pm Worst service ever my business is suffering because they are holding my working because of the lack of experience they have and are ripping me off if i gEt my money in going to sue .WORST COMPANY EVER STAY AWAY FROM THEM This comment refers to an earlier version of this review and may be outdated. ReplySam IlstrupApril 7, 2014 at 11:51 am Terminated my account without any warning as they said they had switched banking to Wells Fargo and could no longer service my gun shop. The lack of warning has cost me a an enormous amount of sales, profit and credibility with my customers. Worst company ever! This comment refers to an earlier version of this review and may be outdated. ReplyDennyMarch 31, 2014 at 11:36 am I seriously have never had to deal with such a cluster fuck as a company as this. THEY ARE HORRIBLE. They tell you theres no yearly fee, however they charge you a “security fee” of $100. I just started with this company and not even two month later I get a later saying I am going to be transferred over to collections because I have a out standing balance of $100 for a security fee even though I knew nothing about it. I then call and see if they can remove it, because why would a pay a years worth for a security fee when I only had them for two months. The girl that worked there told me it would be taken off and I would be able to receive my transactions for my money. Two weeks later nothing, still haven’t received my $300 in swiped transactions. Called again and another girl told me that “you no longer qualify for the credit back for the security fee”. I ask why, she then says “because you didn’t file for a refund in time”. At this point I went off, because I did file for it, two weeks before actually. I didn’t get me refund back so theres $100 out the door for no reason. I then want to cancel my account with total merchant. I paid off the $100 security fee and the girl from total merchant said she would call me back with a confirmation number. a week later, no call. I call her ext. back, no answer. I call the 1 800 number AGAIN. They finally tell me that my account is now closed and they are going to mail me a box and that I have 10 days from the time the box arrives at my house to send it back. They box never showed up, so total merchant then goes and charges my card a $750 terminal fee because I never mailed it back. HOW CAN I MAIL IT BACK WHEN I NEVER GOT THE BOX WITH THE SHIPPING LABEL!? This company is a joke. There is no origination, they nickel and dime you for everything, you pay them at the end of the month for credit card fees (they don’t automatically take it out of each transaction), they don’t know there own product, and aren’t trained enough to even know what there saying. THIS COMPANY SHOULD BE OUT OF BUSINESS. This comment refers to an earlier version of this review and may be outdated. ReplyTAS March 8, 2014 at 8:50 am We used Total Merchant Services for almost 10 years, and recently discovered how bad we have been overpaying for all of this time. We had asked TMS to review our rates repeatedly over the years. Each time, they lowered our rates to what appeared to be a good level. However, each month after that they would add new fees and hidden statement charges to gradually bump up our total percentage paid to a much higher level. TMS would provide interesting names and excuses for these rates, but they are unique to TMS. After recently putting our merchant processing business out for bid, our seasoned TMS “rate-reviewed” rates were over 0.8% higher than the competition! This really impacts the bottom line. In addition, TMS’s chargeback process (through Global Payments) was a joke. The chargebacks were mailed to us with a Reply By date that had already passed. There was no way to receive the chargeback notices or reply using the Internet. Anyway, to add insult to injury – after discovering we had been overcharged by thousands of dollars over the years and finally terminating TMS, they recently charged us an Early Termination Fee (this is despite what is written in the TMS review above – read the fine print!). Our experience with this company is characterized by hidden fees, creeping rate increases, poor communication and a total lack of trust that TMS would deliver what they say. We are taking the time to post this review in the hope that other merchants will not make the same mistake we did. 1 This comment refers to an earlier version of this review and may be outdated. Replypaul devine March 4, 2014 at 9:28 pm I find it quite strange that TMS seems unable to show me any sort of statement until 2 days AFTER they charge me a discount fee. The capability is there and they could do it if they wanted. (look at Amex) It is almost as if they have something to hide. This comment refers to an earlier version of this review and may be outdated. ReplyLola JonesJanuary 4, 2014 at 10:47 am This company is a ripoff. Do not use them. They messed my accounts up on setup, again on changing me to another processor, and then kept billing me after I cancelled them, and wouldn’t refund it. Incompetent, unresponsive, and uncaring. This comment refers to an earlier version of this review and may be outdated. ReplyTroy Louis December 6, 2013 at 9:38 am Could you please advise me as to a preference in selling for a particular merchant? I’m a experienced agent deciding between a couple of processors to sell for. EVO, Global, Harbortouch, etcYour input is highly respected. Many due have several pros and cons. This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone December 7, 2013 at 7:27 am Troy, Unfortunately we do not assess processors/merchant services providers from the agent’s perspective. I would, of course, recommend looking into any of our best rated providers here. I’ve heard good things about working for Heartland Payments, but again, I don’t evaluate the experience from the sales perspective. Best of luck. This comment refers to an earlier version of this review and may be outdated. ReplyTroy Louis December 5, 2013 at 5:17 pm Who processes for TMS? Do you know thanks. This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone December 5, 2013 at 6:48 pm Hi Troy, TMS uses Global Paymentsfor processing. You can see a copy of the TMS Merchant Agreement stating this here. This comment refers to an earlier version of this review and may be outdated. ReplyKirstin Nrldon December 5, 2013 at 11:21 am I had the worst experience with TMS. They told me that my small business would only have to pay 14 a month, and the cc fee. Instead I was charged 50 a month for not meeting a quota they never told me about. I would have never signed up with them if I knew that. Thank you TMS for being fraudulent on your services and your billing practices! This comment refers to an earlier version of this review and may be outdated. ReplyJeffrey PoehlmannJune 17, 2013 at 10:36 am I cannot speak to how TMS may have operated several years ago, but as long as I have been associated with them, the standard agreements have all been month to month. In fact, they encourage agents to keep the monthly / no-cancellation-fee structure. And their pricing is highly competitive. While their structure and minimums may vary slightly from other providers, I have found that they are extremely competitive in significant ways. Aside from no annual fee, they also cover the cost of PCI compliance for the first 12 months and then pro-rate it monthly at the lowest rates I have seen in the industry after that. Interchange plus accounts are available and there is a lot of flexibility with the tiered pricing they offer, too. As with all processing companies, it is essential for the merchant to work with someone who discloses all the fees and terms and answers all questions. When I began my association with TMS, the first things they said to me were that every merchant should be set up monthly with no cancellation and that I would need to ensure that the service was good enough and the rates low enough that the merchant would want to stay with them. With that basic credo, I have had zero attrition. Since they only use Global Payments, they cannot process every merchant I represent. They also do not have a solution suitable for all the merchants I represent, but for many merchants this is the absolute best choice out there.Also, they have relocated to Southern California. Not that this is a huge issue, but it bears an update on some of the info in the review. 4 This comment refers to an earlier version of this review and may be outdated. ReplyNZ September 6, 2011 at 4:31 am I used TMS as a result of befriending a person who worked for them. He said that he would give me a great rate, no contract, and never mentioned a cancellation free because no contract was signed. They continued to charge me after I complained that they were more expensive and said that they would give me a better rate after I discovered that they were charging more than my bank was. I reversed and disputed the charges to my account and today received a letter from a collection bureau. I will never pay those thieves. Listen to your gut and use a bank or reputable company. I read the reviews before I started with them and told my friend of the bad press. Unfortunately, I trusted my ‘friend ‘ and not the reviews. I deal with a branch in Northern NJ, but I would not trust any of them. They are totally sleazey operators. Please heed my warning. This comment refers to an earlier version of this review and may be outdated. ReplyNorth Country Veterinary Clinic July 6, 2013 at 1:16 pm I was with TMS for 1 year before we had to close our business due to moving. The last 3 months we did $700 on our card and were charged $89 per month for the service! So we closed the account and were told to expect a call tag within 10 days. We got it a week later, but we have no fedex location due to the extreme rural state we live in, so we did not get the machine back for a total of 20 days – our nearest fedex is 89 miles away.They charged us $750 for the machine and we are still disputing this but my gut tells me we will get nothing back. 1 This comment refers to an earlier version of this review and may be outdated. ReplyPauline VaughnMarch 31, 2015 at 4:54 pm My bank told me that we could file a claim through them against the company for the $750 after we returned our machine and had proof of this. This comment refers to an earlier version of this review and may be outdated. ReplyDavid CallApril 5, 2011 at 3:25 pm 6 years and over paid all 6 years , when I told them I was leaving they offered me a better commission rate ? No customer locality anymore, and forget customer service forget it, I was a half hour on the phone to get to a real person. 1 This comment refers to an earlier version of this review and may be outdated. ReplyR Thompson November 19, 2010 at 8:58 am Total Merchant services Ripped my company off hundreds of dollars and I am still fighting them to get my money back they are theives. This comment refers to an earlier version of this review and may be outdated. ReplyOlufunso Ajayi September 29, 2014 at 8:27 pm Honestly this Total marchant company should be close down, they ripped me off and almost ruined my business, they stole from me thank God it was not too much before I realized what they stand for. Oh their representatives sucks, you can actually tell when thy speak. I was going to sue them for my money, but I feel mine is too little from others. I just feel upcoming mini business owners will not become a victim anyways. One day I know Better Business Bureau take an action to bring them down. This comment refers to an earlier version of this review and may be outdated. ReplyRichard MooreMarch 21, 2010 at 3:11 pm I am self employed and I use Total Merchant Services to set up retail customers with updated equipment and rates. I consider myself independent of TMS because I maintain the customer service with my accounts. I don’t even give them the main number to TMS because I want the customer to know I care. They call me or my wife with any question or issue. I started in Oct of 2007. I have nearly 300 customers today. I have never lost a customer due to poor service, lack of response or inaccurate rate quotes. I can resolve 99% of any issues myself. I also install the equipment (even if it means running telephone lines or IP connections) and I train every customer on the use of the equipment. You are correct in saying that some of TMS BBB issues are due to poor reps. From my perspective, I do have problems with TMS withholding funds at the drop of a hat. But, I have learned to resolve those issues within 72 hours and the customer only had to wait one extra day. TMS sends me an e-mail every time one of my customers has had any unusual activity. I respond to every e-mail. It is the rep’s responsibilty to maintain that account. That’s why we get paid. You cannot sign up an account and disappear. Which, unfortunately, so many companies do in this industry. My wife and I also set up ATM Machines (RBS Lynk) , clean carpet, clean office buildings, teach people how to cook, paint murals, appraise properties for sale, build websites, raise chickens and three daughters. I have never worked for anyone but myself. I have had 30 years of waking up in the morning and knowing that I have to put the food on the table. I treat the customers like gold. And I have been well rewarded. This comment refers to an earlier version of this review and may be outdated. ReplyLeave a Reply Cancel replyYour email address will not be published. Required fields are marked * Name * Email * Website Organization Name Rating Your Review Comment moderation is enabled. Your comment may take some time to appear. Please read the "User Review and Comment Policy" before posting. Reset Apply Filters Time in Business Your Credit Score500 Your Annual RevenueBorrowing AmountTerm LengthTime to FundingInterest or Factor Rate(s)Products OfferedOther FeesEase of ApplicationCustomer SupportApply FiltersFeatured iPad POS: Lightspeed We love Lightspeed POS for both restaurants and retail stores. Schedule a no-commitment demo today! Learn More Featured Easy-to-Use POS: Clover Want all your POS hardware and software in one place? Check out Clover for simple, easy-to-use small business point of sale solutions. Learn More Free Ebook The Beginner's Guide to Payment Processing - Download NowRelated Articles 21 Jun 18The 5 Best Small Business Credit Card Processing Companies For 2019Trying to choose the best credit card processing company can be overwhelming. This is especially true when you are a new small business owner who has never even heard of a "merchant account" before -- but the truth is that even seasoned CEOs can... Read 11 Dec 18The Cheapest Credit Card Processing Companies For 2019Business owners today know that it’s more important than ever to be able to accept credit cards. Customers carry less cash and rely on credit and debit cards for the majority of their purchases. If you’re an eCommerce merchant selling... Read 31 May 18The Best Online Credit Card Payment Processing CompaniesSo you're a merchant and you want to start an ecommerce business. That's great! You're going to need, at minimum, three things: Products/services (of course), a website (obviously), and an online credit card payment processing company.Not... Read 7 May 18How To Accept Credit Card Payments For Your Small BusinessWhether you’ve been in business for a while or are just starting out, you know how important it is to be able to accept credit and debit cards as payment from your customers. Credit card usage has soared over the past twenty years or so, while... Read 27 Aug 18The Best High-Risk Merchant Account ProvidersJust about everyone in business these days needs to be able to accept credit cards. Finding a reputable merchant account provider to process those credit card transactions for you can be a pretty daunting challenge for any business, but it’s... Read ShareReviews. Ratings. Comparisons. Unbiased Reviews That Save You Time and Money. Copyright © 2019 Merchant Maverick. All Rights Reserved. Sign Up For Our Newsletter Content Updates, Free Guides, and Discounts HomeAbout UsBlogTerms of UsePrivacy PolicyFind Us On:


Global B2B Banking Services

Global B2B Banking Services


Who we areLoginsearchSearch for: search keyboard_arrow_downBANKING CIRCLE® – GLOBAL BANKING SERVICESBanking Circle is a financial utility dedicated to giving businesses faster, more efficient ways to conduct business on a global scale. Unconstrained by convention, our B2B banking solutions have been specifically created to meet the needs of businesses who want the freedom to trade globally. Membership is open to financial institutions including card acquirers, PSPs, APMs, FX payment providers, and banks. Merchant Membership is open to merchants who join via their payment solution providers. Members of the Banking Circle can:Bank on growth – one account gives you rapid access to new markets worldwide Bank on profitability – pay and receive funds from businesses at low FX rates. Automatically convert funds to any currency you choose Bank on speed – introduce your suppliers and partners to the Banking Circle so you can all pay invoices or receive money in seconds rather than days Bank on capacity – raise your game by expanding your transactional capabilities and attract more customers with a better value proposition Within Banking Circle our members can set up accounts in their own name, globally. We challenge services offered by conventional service companies with lower transaction costs and better exchange rates. For banks, we offer a partnership where we provide infrastructure to help build your international payments capabilities efficiently and reliably. Merchants also benefit from membership, reducing operating costs and increasing the speed of bank transfers – everywhere. There are no landing fees for recipients within the Banking Circle and even payments outside the circle are cheaper and usually same day – anywhere. Our Solutions FXBanking Circle Members can access a global IBAN account infrastructure, through a platform from which they can trade forex and make international payments. Learn more arrow_forwardLendingLack of access to funds to keep cash flowing can hold back business growth. Banking Circle provides fast access to cash with flexible repayment options. Learn more arrow_forwardPaymentsBanking Circle provides a range of offerings to meet the payments needs of banks, payment service providers, FinTechs, and their customers. Learn more arrow_forwardBanking AccountsOur accounts deliver full transparency and faster settlement, enabling financial institutions to offer their customers a full transactional service. Learn more arrow_forwardVirtual IBANBanking Circle Virtual IBAN allows banks and FinTech businesses to issue multi-currency IBAN accounts for customers in their own name. Learn more arrow_forwardGet in touchEmail us at info@bankingcircle.comand one of our team will be in touch shortly. Contact us arrow_forwardStories & InsightsNewsDouble shortlisting for Banking Circle in Financial Services Forum Product & Service Innovation Awards08.04.2019 Read more arrow_forwardInsightsWhat is invoice financing?26.03.2019 Read more arrow_forwardInsightsHow challenger banks are delivering exceptional UX14.03.2019 Read more arrow_forwardTestimonials“Now we can manage all the cross border payments for our merchant clients from one unique solution” Vidar Thorkelsson, Chief Executive Officer, Valitor “By joining Banking Circle we can reduce the amount of extra time and money which is inevitably spent when working with multiple service providers” Vidar Thorkelsson, Chief Executive Officer, Valitor “The partnership with Banking Circle puts Allied Wallet in a confident position to support our business growth strategy, giving us safe, affordable payments online” Andy Khawaja, Founder and CEO, Allied Wallet “Banking Circle tackles the big challenge for our merchant clients of processing cross border payments quickly and cost-effectively, enabling us to significantly enhance our customer proposition” Vidar Thorkelsson, Chief Executive Officer, Valitor “First Data’s collaboration with Banking Circle supports our drive to make transactions secure, fast and easy for our merchant clients and their customers” Nigel Motyer, General Manager, EMEA Acquiring Alliances, First Data “Banking Circle stood out as the top choice for Allied Wallet because it offers low cost international transfers, with fast, reliable payments in more currencies” Andy Khawaja, Founder and CEO, Allied Wallet “By partnering with Banking Circle, Tuxedo Money Solutions can provide a truly global cross border payments solution focused on delivering low cost transfers to our multinational client base” John Sharman, CEO, Tuxedo Money Solutions SubscribeEmail address NameThis field is for validation purposes and should be left unchanged. Send Our awards Our solutionsPaymentsForeign ExchangeVirtual IBANBanking AccountsBusiness LoansResource centreCurrencies and Cut-Off TimesWhitepapersInfographicsFAQGlossaryLinksCareersTerms of UsePrivacy NoticeCookies PolicyComplaintsRegulatory InformationContact us


1-855-285

to help identify who is using this phone number. 120jenny030230 Dec 2014Received an unknown call today from a Tim Harris at national process servers stating they got a claim in their office today and if I didn't call back brown and goldstein, the mediation group orders would be sent out on the second of jan ? The message on my voicemail sounds odd, said things like you have been officially notifed and  etc. is this a scam? I thought I got rid if these people. They started calling me on dec 12 and I hadn't heard from since. Now a diff place us calling me for them? I'm so tired if these types of calls!!!! Please help! Reply!0cino replies to Anthony12 Jan 2015U right he's getting on my nerves.Reply!0Shawn21 Jan 2015They went as far as having someone call me saying they were coming to serve me tomorrow at my place of residence and place of employment. I go to school for law and I know that they don't call to let people know they are serving them the time place or date. I think they are a scam. The number that was given to me is 855-331-3783. What meditation firm has different numbers? Caller: Brown and Goldstein Call type: Debt collector Reply!0sew replies to Stella23 Dec 2015This is a post office address.Reply!0katy18 Mar 2016you do know that they give you a case number that is fake go to pacer sign up it is a government site that allowes you to search for claim numbers and tells you if they are real or not Caller: brown and goldstein Reply!0Shelly Dackonish22 Mar 2016 | 1 replyThis company keeps calling my cell phone and my number is on the do not call list so I should not be getting sales calls.  If they are a debt collector, I do not have any outstanding debts or accounts in collection, so they should not be calling me.  They never leave a message.  When I called the number back to see who it was, they just put me on hold forever. Caller: "Brown and Goldstein" Reply!+1BigA replies to Shelly Dackonish22 Mar 2016Debt collectors are not covered by the DNC, they have their own law.  As to whether you owe money or not, they generally don't care as long as they can get you to pay them regardless. They list their address in Western New York, known haven for criminals pretending to be debt collectors. Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/ Also file a complaint with your State Attorney General's office. List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/http://www.ag.ny.gov/Reply!0Julie Wilber replies to Maria Shackelford28 Mar 2016 | 2 repliesDid anything ever come of it? Some lady claiming to be from Goldstein and associates called my mom, my dad, my husband, and then called me at my work. Obviously they knew how to get ahold of me. The lady asked me to verify my information and then told me to hold on while she connected me to a lawyer. He said he was Nicholas Costello. He said he sent me a letter back in January. He didn't. Then he said to give him his email address and he'd send me a copy. He said I was being sued in civil court for theft of funds for a payday loan that was funded on May 22nd, 2014 from Arrow One Lending.  I obtained a copy of my statement from that month and was never funded anything for the whole month of May from anyone. I called him back and told him he was a liar and he said if I paid my bills I would have nothing to worry about. He said to look to get served.Reply!+3BigA replies to CWG405 Jul 2016BROWN AND GOLDSTEIN AKA BROWN & GOLDSTEIN AKA PHILLIPS AND ROTH (& Roth) aka B & g recovery services aka mk global services Posted in:  https://800notes.com/Phone.aspx/1-888-359-8331 https://800notes.com/Phone.aspx/1-844-952-7343 https://800notes.com/Phone.aspx/1-855-285-4260 https://800notes.com/Phone.aspx/1-888-454-8456 https://800notes.com/Phone.aspx/1-888-359-8331/3 Web site lists them in Western New York, world’s #1 capital for criminal debt scammers:  http://www.brownandgoldstein.com/contact-us/ Whois has the site up since 2014, lists a Joel Seifert, but the email address is Phillips and Roth: brownandgoldstein.com registry whois    Updated 1 second ago - Refresh Domain Name: BROWNANDGOLDSTEIN.COM Registrar: GODADDY.COM, LLC Sponsoring Registrar IANA ID: 146 Whois Server: whois.godaddy.com Referral URL: http://www.godaddy.com Name Server: NS39.DOMAINCONTROL.COM Name Server: NS40.DOMAINCONTROL.COM Status: clientDeleteProhibited https://icann.org/epp#clientDeleteProhibited Status: clientRenewProhibited https://icann.org/epp#clientRenewProhibited Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited Status: clientUpdateProhibited https://icann.org/epp#clientUpdateProhibited Updated Date: 29-jan-2016 Creation Date: 19-feb-2014 Expiration Date: 19-feb-2018 brownandgoldstein.com registrar whois    Updated 1 second ago Domain Name: BROWNANDGOLDSTEIN.COM Registry Domain ID: 1847276686_DOMAIN_COM-VRSN Registrar WHOIS Server: whois.godaddy.com Registrar URL: http://www.godaddy.com Update Date: 2015-05-05T06:08:59Z Creation Date: 2014-02-19T18:53:01Z Registrar Registration Expiration Date: 2018-02-19T18:53:01Z Registrar: GoDaddy.com, LLC Registrar IANA ID: 146 Registrar Abuse Contact Email:  @godaddy.com Registrar Abuse Contact Phone: +1.4806242505 Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited Registry Registrant ID: Not Available From Registry Registrant Name: Joel Seifert Registrant Organization: Registrant Street: 266 Elmwood Avenue Registrant Street: Suite 570 Registrant City: Buffalo Registrant State/Province: New York Registrant Postal Code: 14222 Registrant Country: US Registrant Phone: +1.7162355219 Registrant Phone Ext: Registrant Fax: Registrant Fax Ext: Registrant Email:  @gmail.com BBB gives them a B rating with 4 complaints and 1 negative review:  http://www.bbb.org/upstate-new-york/business- ... ew-ny-235977087 The address the BBB has is a Post Office. The address (a UPS store) used in the Whois registration leads to this group which the BBB gives an A+ with 4 complaints and 1 negative review:  http://www.bbb.org/upstate-new-york/business- ... lo-ny-235970065 New York Dept. of State info: Selected Entity Name: BROWN & GOLDSTEIN INC. Selected Entity Status Information Current Entity Name:    BROWN & GOLDSTEIN INC. DOS ID #:    4494337 Initial DOS Filing Date:    DECEMBER 02, 2013 County:    ERIE Jurisdiction:    NEW YORK Entity Type:    DOMESTIC BUSINESS CORPORATION Current Entity Status:    ACTIVE Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity) BROWN & GOLDSTEIN INC. 697 RIDGE ROAD SUITE 204 LACKAWANNA, NEW YORK, 14218 Registered Agent NONE Selected Entity Name: PHILLIPS & ROTH LLC Selected Entity Status Information Current Entity Name:    PHILLIPS & ROTH LLC DOS ID #:    4304172 Initial DOS Filing Date:    OCTOBER 04, 2012 County:    ERIE Jurisdiction:    NEW YORK Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status:    ACTIVE Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity) PHILLIPS & ROTH LLC 266 ELMWOOD AVENUE #570 BUFFALO, NEW YORK, 14222 Registered Agent NONE Selected Entity Name: MK GLOBAL SERVICES INC Selected Entity Status Information Current Entity Name:    MK GLOBAL SERVICES INC DOS ID #:    4946865 Initial DOS Filing Date:    MAY 13, 2016 County:    ERIE Jurisdiction:    NEW YORK Entity Type:    DOMESTIC BUSINESS CORPORATION Current Entity Status:    ACTIVE Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity) MK GLOBAL SERVICES INC 697 RIDGE ROAD SUITE 204 LACKAWANNA, NEW YORK, 14218 Registered Agent NONE Selected Entity Name: B & G RECOVERY SERVICES INC. Selected Entity Status Information Current Entity Name:    B & G RECOVERY SERVICES INC. DOS ID #:    4812253 Initial DOS Filing Date:    AUGUST 28, 2015 County:    ERIE Jurisdiction:    NEW YORK Entity Type:    DOMESTIC BUSINESS CORPORATION Current Entity Status:    ACTIVE Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity) B & G RECOVERY SERVICES INC. 697 RIDGE RD, SUITE 204 LACKAWANNA, NEW YORK, 14218 Registered Agent NONE That address on Ridge Road also seems to be the home of a couple of other criminal debt collectors as well. Other complaints: http://www.callhunter.com/tags/brown-and-goldstein Looks like they were sued: http://www.plainsite.org/dockets/tccm7ltw/new ... s-and-roth-llc/ Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/ Also file a complaint with your State Attorney General's office. List of State AG’s offices:  https://800notes.com/faq/attorney-general File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/http://www.ag.ny.gov/Reply!0Eureka Spikes15 Jul 2016They kerp calling me telling me that a civil suit will be filed against me if i do not return their call by the end of the day Caller: BROWN & GOLDSTEIN Call type: Debt collector Reply!0Gary lee2 Aug 2016I am on do not call listReply!0traci replies to Julie Wilber1 Sep 2016 | 1 replyDid you get served?Reply!+1Julie Wilber replies to traci15 Oct 2016No I didn't. Their phone number is out of service too. When I really started to call him out he started getting nasty. I told him his name was all over the Internet as being a scammer associated with Brown and Goldstein and Goldstein and associates. He then said "If you think I'm a scammer then why are you still talking to me?"  A..hole! He hasn't called me since.Reply!post pending moderator approval+6BigA replies to Cs18 Nov 2016Plagiarizing a post make you look lazy.  All you did was copy and paste all the work I did and took credit for it.  Post reported.Reply!0Aoliveras29 Nov 2017Called the last three days in a row. Called my work, my sons phone (not sure how they got that one) asking for me, and my cell phone. I did not call back or pick up. It was a woman named Cindy with a Russian accent. I could tell she was reading a script. The last time she called, today, she said they had decided to give me one more chance to take care of it before litigation. Give me a break. I've had so nany of these bogus calls I just ignore them. Caller: Brown and Goldstein Call type: Debt collector Reply!12855-285-4260 summary and related numbersReport a phone call from 855-285-4260:In order to post, you need to have JavaScript enabled in your browser.CallerThe company that called you. Call type Unknown Debt collector Event reminder Fax Non-profit organization Political call Prank Scam suspicion Silent call Survey Telemarketer Text message Other unwanted Other valid   Phone number or keyword you want to search for 800NotesDirectory of UNKNOWN Callers HomepageForumNewsArticlesVideosSearchLatest Forum Threads" 440 " AREA CODE FRAUD AND SCAM CALLSPosts: 188 | Last post: 21 Feb 2019Caller ID shows "V"+ a whole bunch of digitsPosts: 840 | Last post: 4 h 29 min agoNine digit phone number on caller idPosts: 276 | Last post: 4 h 58 min agomoreLatest NewsPassages Malibu sent a baseless trademark infringement claimDMCA abuse: George Caceres, Web Sheriff, John E. HenehanMarketers of “FREE” iPad settles with FTCFTC Brings First Case Alleging Text Messages Were Used In Illegal Debt Collection SchemeFTC Gets Court to Halt Phony Payday Loan BrokerLatest ArticlesWhere to Report Phone Crime16 Ways You Can be Phone Scammed9 Things To Do When Your Identity StolenHarassing calls from a debt collector? Here is what you need to knowHarassing Phone Calls: What To DoContact Us| Privacy Policy| Terms of Service| Legal Stuff Copyright 800notes.com2019 User - ProfileMy Posts


Experian Credit Customer Service Contact Number Free Help: 0800 013 8888

Contact Number: 0800 013 8888HQ Address: The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZOpening Hours: Monday to Friday, 8am to 7pm, Saturday, 8am to 4pmWebsite: www.experian.co.uk


HSBC: 0843 504 0515 – Contact Numbers

Call Connection Service HSBC: 0843 504 0515 Calls cost 7p/min + your network's access charge. We are not affiliated with HSBC.Contact HSBC Bank with general enquiries about their banking services by calling their UK customer service phone number 0345 740 4404 (standard rate) or alternatively call 0843 504 0515 (7p per minute plus operator access charge). More ways to contact HSBC Customer Services – 0345 740 4404You should call this customer care number for assistance with your banking, including telephone and e-banking, whether it is something as simple as transferring money between accounts, setting up standing orders, whether you have problems logging into your online e-banking, or need to pay a bill. By calling this number, you can put forward concerns you may have if you suspect fraudulent transactions on your account and need to get in touch with specialist advisors. Additionally you should call this switchboard helpline if you’re not sure which one of HSBC’s departments you should get in touch with, and a customer services representative will direct you accordingly. Alternatively, a detailed list of HSBC’s departments and their numbers is located at the end of this article. You can also call this same customer services number for corporate enquiries and for guidance when setting up a business account with the bank. Finally callers with problems regarding their HSBCnet online services should also call this telephone number. The HSBC customer service helpline is open 8am to 10pm every day of the year, including weekends. However if you’re a HSBC advance or Premier customer, you have the option to speak directly with a representative 24 hours a day, once you have confirmed your identity through using the above switchboard service. Call Cost InformationCalling HSBC’s customer service number will charge you the same rate as calls to all other UK local & geographical numbers (01 and 02 numbers). Calling from a landline will charge the cost of a variable per-minute call plus the call-access charge as determined by your landline provider, but may be eligible for free minutes as part of your landline deal. Calling 0345 740 4404 from a mobile will be free of charge if using your mobile’s inclusive minutes as part of your tariff to make the call. However, if you do not have inclusive minutes, the cost from a mobile will likely exceed that from a landline. New HSBC Accounts – 0345 604 0626If you are not currently a HSBC customer and would like to enquire about the process of opening a new account with the bank, call their new accounts & non-existing customer helpline on 0345 604 0626. Here, you can ask questions about your eligibility as an account-holder and the process when setting up an account. For instance, you will need to verify with the representative your proof of residency in the UK and may be subject to a credit check. The new accounts representative will be able to assist with setting up telephone banking, and with advising which of HSBC’s accounts will be most suitable for you, such as the HSBC Premier account as detailed below. Lines are open 8am to 10pm every day (except Christmas Day, Boxing Day and New Year’s Day). If you are calling from outside the UK, you will need to call the international HSBC new accounts helpline +44 122 626 1010. Premier Accounts – 03456 70 70 70Contact HSBC on their standard Premier account contact number 03456 70 70 70 to manage your current account a and after navigating a switchboard service, you will be put through to an advisor who can discuss your eligibility for this type of account. Additionally, this customer service advisor will be able to talk through the benefits of holding a Premier account, including access to a personal Premier ‘relationship manager’ and the preferential interest rates that apply to HSBC’s Premier banking products, services and rewards. Alternatively, if you do not have an existing current account with HSBC, and would like to apply to the bank’s Premier account as a new customer, you need to call a separate number on 0800 328 1296. This freephone number carries no charge from either a landline or mobile, and the advisors available (once you have navigated the switchboard), will assist callers with the application process. If you would like to check before calling, current details of HSBC’S Premier account eligibility requirements are listed below: You must have savings or investments of at least £50,000 with HSBC in the UK.You must have an individual annual income of at least £100,000 and either a mortgage, investment product, life insurance or protection product with HSBC in the UK.Additionally, a successful HSBC applicant must fit these following criteria: You need to be 18 years or older.Your residential address must be within the EU.You must be able to provide certified proof of identity and address and one month’s bank statements from your current bank (translated into English if appropriate).If you are resident in the UK, must be willing to undertake a credit check.In order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a UK resident.Existing Premier Customers – 03457 70 70 70Call HSBC on their telephone contact number 03457 70 70 70 for existing Premier customers, where you can check your account balances, monitor your e-banking, and arrange a meeting with your Premier relationship manager by phone. Additionally this is the number to enquire about HSBC’s position within the global financial market, such as receiving daily updates on interest rates and the value of your shares, or to enquire about their investment banking services. A table of the contact numbers for the various lines related to HSBC’s Premier account service is found below. HSBC Premier Banking DepartmentUK Contact NumberGet a new Premier account0800 328 1296Existing UK Premier customers03457 70 70 70HSBC Premier Customers – International Helpline+44 800 328 1296Business Banking Accounts – 0345 6012 2014If you wish to contact a customer service representative about your HSBC business banking account call their dedicated helpline phone number 0345 602 2014 for assistance logging on, checking balances and making business transactions online. Alternatively, call one of the numbers detailed below for more specific assistance for the concerns you may have, whether it is making a telephone or online international business transaction and to enquire about the edibility requirements for setting up a new business account. Calls to their business banking contact number 0345 6012 2014 cost the same as a local & geographical call, but may be free as part of inclusive minutes packages, and the business 0800 numbers provided in the table below operate a freephone service. International numbers will be considerably more expensive and the exact costs will depend on which country you are calling HSBC from. HSBC Business Banking DepartmentUK Contact NumberOpening HoursBusiness Internet Banking (UK)0345 602 2014Monday to Sunday, 8am-10pmBusiness Internet Banking (International)+44 179 249 6941Monday to Sunday, 8am-10pmBusiness Internet Banking & Lost Card Textphone0345 712 5563Monday to Sunday, 8am-10pmBusiness Telephone Banking (UK)0345 760 6060Monday to Sunday, 8am-10pmBusiness Telephone Banking (International)+44 122 626 0878Monday to Sunday, 8am-10pmBusiness Account Opening (UK)0800 731 8904Monday to Sunday, 8am-10pmBusiness Account Opening (International)+44 20 7991 0538Monday to Sunday, 8am-10pmLost Card helpline – 0345 600 7010Contact HSBC by calling their UK lost card helpline number 0345 600 7010 if you have lost your debit or credit card, would like to report it stolen, or in case of other emergencies. A representative will cancel your card immediately and issue you with a replacement along with a replacement PIN number to be delivered to your address. This emergency helpline is open 24 hours a day so you will be able to seek immediate assistance and advice in the event of a lost or stolen card. If you need to report a lost a stolen card from abroad, you can contact an overseas representative to do so by calling their international lost card phone number +44 1442 422 929, which has reverse charges applied to it so will be free of charge for you. Credit Cards – 0800 032 4735For enquiries relating to HSBC’s credit card services, call their specialised credit department on their freephone contact number 0800 032 4732. This number will assist callers who are looking for information regarding the representative APR, purchase rates and credit limits available to your with a HSBC credit card. Additionally, callers can seek advice regarding whether a credit card is suitable for them, or whether a different type of borrowing may be preferable. As a freephone number, calls to this department carry no charge, and lines are open from 8am to 10pm every day, except Christmas Day, Boxing Day and New Year’s Day. If you intend to call regarding the eligibility requirements for a HSBC Credit Card you must have an annual income or pension before tax of at least £8,500, aged over 18 and you must not be a HSBC Basic accountholder. You may wish to arrange an in-branch meeting to organize your Credit Card application, if so call 03457 404 404 to find the address of your local branch. Once you have set up an appointment, you will need to bring identification, proof of address and a recent bank statement. Mortgages – 0800 032 4706For information and assistance relating to your HSBC Mortgage, contact the specialist mortgage team on their freephone number 0800 032 4706, and once through to your mortgage specialist you can discuss the terms, conditions and possibility of taking out a mortgage with the bank. For instance, the representative will be able to provide information about the interest rates that will apply to the amount you would like to borrow and whether it will be more beneficial to your needs to have a fixed term or flexible rate mortgage. Additionally, callers to this number are able to enquire about early pay-off release with their mortgage, how to make overpayments, what happens if a repayment is missed, or whether HSBC can provide a repayment holiday, and if so, after what period of time for the mortgage in question. Finally, callers will be able to ask the mortgage team any question about the payment protection insurance on their mortgage. Please note that if you are calling to enquire about taking out a mortgage then it is recommended that you have a list of your monthly outgoings and incomings prepared when you call. Additionally, you are able to visit your local HSBC branch to arrange a meeting to discuss your mortgage requirements. Loans – 0800 032 4735Contact HSBC’s loans department by calling their freephone number 0800 032 4735, where you can put forth any questions regarding the amount you wish to take out with the bank, the possibility of doing so, or, if you already have a loan with the bank, the details of its repayment. For instance, customers who are looking to take this type of credit will be able to enquire about monthly repayment rates, the APR over the full duration of their loan period, the total amount repayable to the bank and the process of repayment itself. Callers can also enquire about setting up a standing order for repayments, early repayment release and what happens if they miss a repayment. As an 0800 number, HSBC’S loan department runs a freephone service, and lines are open 8am- 10pm, Monday to Sunday, excluding bank holidays, Christmas Day, Boxing Day, and New Year’s Day. Graduate or Career Development Loans – 0800 032 4735HSBC also provides a career development loan service for graduates who are looking to finance their higher education with a commercial bank loan, which you can access by calling their loan customer service freephone number 0800 032 4735. Callers can use the same number for the loans department, but then would need to express their interest in this service. HSBC’s graduate loans are offered exclusively to existing customers and to meet the application requirements, you must have an HSBC current account, be at least 18 years of age, a UK resident and within 5 years of graduation. Customers looking to take out a career development loan can also contact the National Careers Service for an application pack on 0844 893 2911 (7p/min + access charge). Insurance AspectsHSBC also offers an ‘Insurance Aspects’ as a benefit service to their advance accountholders, and to be eligible you must hold and pay the monthly fee of £9.95 from your HSBC Advance Account, reside in the UK, and be registered with a UK doctor. HSBC Insurance Aspects provides three separate services; each listed below and each requires customers to use a different contact number. Advance Worldwide Travel InsurancePlease examine the helpful table below to find the correct contact number you should call for HSBC Advance travel insurance policies, which includes phone numbers for claims and medical emergencies. HSBC Advance Worldwide Travel Insurance ServiceUK Contact NumberOpening HoursMedical Emergency Assistance Helpline01603 605 14224 hours a dayTravel Claims Helpline01603 604 960Mon-Thur (8am-6pm) Fri (8am-5.30pm)Legal Expenses Claims and Advice Helpline01603 208 53324 hours a day, 365 days a yearMedical Assessment – to disclose a pre-existing medical condition0800 051 7142Mon-Sun (8am-9pm) Closed Christmas Day, Boxing Day and New Years DayTravel Assistance (not claims or queries)01603 605 2024 hours a day, 365 days a yearAdvance 24 Hour Motor Breakdown Assistance – 0800 587 9809By calling the HSBC Advance Motor Breakdown Assistance number on 0800 587 9809, you can request immediate call-out assistance when faced with car or motorbike emergency. Once you have given the exact location of you and the vehicle, your vehicle’s registration number, details of personal identification and a contact number, a member of the recovery team will provide immediate assistance. This freephone number is open 24 hours a day, meaning that you should not be left stranded, whenever your emergency is. Alternatively, you can access this service by calling their London office phone number 020 8603 9809, but as this is a local-rate rather than a freephone number calls are charged at your standard network rate, however they may be free if part of an inclusive minutes package for both landlines and mobiles. Advance Mobile Phone Insurance – 0330 102 1918HSBC’s advance mobile phone insurance is in fact provided by Allianz insurance, so a call to 0330 102 1918 will be directed to the latter company. Primarily callers to this number will be intending to register their mobile phone for cover in case of damage or loss. Additionally you can reach a claims specialist on this line if you are ready to make a claim in the event that your device is lost, stolen or damaged, however it is advised that you have the following details on hand to making the claiming process as easy as possible: Your mobile phone’s IMEI numberThe make and model of your mobile phoneProof of ownershipFor theft claims, the crime reference number and the name of the police station it was reported toThe time and date of the incidentFor loss and theft claims, the network provider barred the time and date that the mobile phoneA payment method to pay the required excess.As an 03 number, a call to Allianz regarding your HSBC mobile insurance will cost the same as any call to a UK local number, and calling from any UK landline or mobile phone will be charged the cost of a variable per-minute call (equal to your current tariff’s ‘local rate’) plus the network access charge, set by your own phone network provider‬. Calling from a landline or mobile will be free of charge if using your mobile’s inclusive minutes as part of your tariff to make the call. However, if you do not have inclusive minutes, the cost from a mobile will likely exceed that from a landline. Allianz is available to be contacted from 8am – 8pm Monday to Friday, and 9am – 4pm Saturday, but please be aware that the line is closed on Sundays. Head Office – 020 7991 8888Callers to HSBC may wish to contact their head office on 020 7991 8888 for questions that they were not able to get answered by the customer care team or by your local branch. As the head office uses a local London telephone area code, calls to the number are charged at a standard geographical number rate, and the line is open during the hours 8am – 10pm, Monday to Sunday. Saving Accounts – 03457 404 404The telephone contact number 03457 404 404 should be called for the first of HSBC’s saving accounts: their ‘Help to Buy ISA’. Callers can request information on this service, and how it offers help when saving to buy a first home. Representatives can offer information regarding the interest rates for the ISA and can even help you set them up over the phone. If you are a HSBC Premier accountholder you can also phone the dedicated contact number 03457 70 70 70 to open a savings account or help to buy ISA. Lines are open from 8am to 10pm, Monday to Sunday, every day (except for Christmas Day, Boxing Day and New Year’s Day). Loyalty Cash ISAA second ISA service is the Loyalty Cash ISA, designed to offer rewards for 12 months from the date of each payment into your ISA; and the number to contact a representative for this service depends on your local branch, and can be found using the Branch Locator as detailed at the end of this article. Complaints – 03457 404 404In order to make a complaint towards HSBC, you will need to call the correct number for the type of account your complaint is pertaining to. You should use these numbers if you feel you have been overcharged by the bank or if you have been offended by a member of their staff and, as all of the numbers for the complaint lines include an 03 area code, they may be free as part of your minutes package from both landlines or mobiles. HSBC Complaints DepartmentUK Contact NumberOpening HoursPersonal Banking Customers03457 404 404Lines are open from 8am to 10pm, Monday to SundayPremier Banking Customers03457 70 70 70Lines are open from 8am to 10pm, Monday to SundayBusiness Banking Customers03457 60 60 60Lines are open from 8am to 10pm, Monday to SundayNon-HSBC Customers0345 604 0626Lines are open from 8am to 10pm, Monday to SundayAlternatively, you can email the HSBC complaints departmentby filling out an online complaints form on their official UK website or by sending a letter of complaint directly to their London head office address: HSBC, 8 Canada Square, London, E14 5HQ, United Kingdom. Important HSBC contact numbersHSBC DepartmentUK Contact NumbersCustomer Services0345 740 4404New Accounts0345 604 0626International New Accounts+44122 626 1010New Premier customers – UK0800 328 1296Existing Premier Customers03457 70 70 70HSBC Premier Customers – International Helpline+44800 328 1296Business Internet Banking0345 602 2014Technical Support with Online Business Banking – International+44179 249 6941Business Internet Banking & Lost Card Textphone0345 712 5563Business Telephone Banking0345 760 6060Business Telephone Banking – Outside UK+44122 626 0878Business Account Opening0800 731 8904Business Account Opening – Outside UK+4420 7991 0538Lost Card helpline – UK0345 600 7010Lost Card helpline – Outside UK+441442 422 929Credit Card0800 032 4735Mortgages0800 032 4706Loans & Graduate Borrowing0800 032 4735National Careers Service (7p/min + access charge)0844 893 2911Travel Claims Helpline01603 604 960Legal Expenses Claims and Advice Helpline01603 208 533Advance Motor Breakdown Assistance0800 587 9809 & 020 8603 9809Allianz0330 102 1918HSBC Head Office020 7991 8888Savings Account Enquiries & Personal Banking Complaints03457 404 404Premier Banking Customers Complaints03457 70 70 70Business Banking Customers Complaints03457 60 60 60Non HSBC Customers Complaints03456 040 626Mobile Complaints03455 871 244Alternative Contact MethodsIf you are unable to reach a customer services representative or department specialist by phone, you may wish to use one of the following contact methods to put forth your enquiries with the bank, which include email & postal addresses, live chat services and social media links. Email addressYou can also contact HSBC by sending your comments and attachments to their dedicated customer care email address customer.care.team@hsbc.com. Live ChatHSBC’s live chat serviceis found on their contact and support webpage, where you can message a customer services representative in real time. Local Branch LocatorAn easy way to find the contact number and postal address for your local bank is to use the HSBC online branch locator. Once you have filled in either your postcode, or full address or bank sort code, you will be shown the address of your nearest bank. Simply click ‘more info’ and you will be shown the numbers for new and existing customers. Postal AddressesIf you would like to send a letter or any documentation to HSBC please write to their official customer care postal address: Customer Care Team, HSBC Bank Plc, PO Box 6125, Coventry, CV3 9GW, United Kingdom. HSBC Social Media AccountsHSBC recognise how useful social media websites can be for contacting their customer service teams and for promoting their most competitive financial products. You can find links to their most popular social media accounts in this helpful list: Check out HSBC on Facebookwww.facebook.com/hsbcukTweet the bank on Twittertwitter.com/hsbc_ukYou can add HSBC to your Google Plus Circlesplus.google.com/+hsbcukThe bank’s company profile page is available on LinkedInwww.linkedin.com/company/hsbc


Eagle River Credit Union

Your MoneySelect an optionAdditional ServicesChequingElectronic ServicesForeign ExchangeIdentity TheftPricingSavingsStudentsYouthYour FinancingSelect an optionCredit CardsHome Equity LoansLines of CreditMortgagesPersonal LoansRatesRRSP Lines of CreditRRSP LoansStudent LendingVehicle LoansDealer LoginYour BusinessSelect an optionEmployee ServicesInvestingLending ServicesMerchant ProgramNight DepositoryPayroll ServicesSelf ServiceSmall Business LoanApply OnlineNavigate to...Membership ApplicationLoan ApplicationSkip a Payment Line of Credit ApplicationMortgage ApplicationTerm deposit ApplicationCredit Card ApplicationRRSP Loans ApplicationOverdraft Application


TransFirst Review 2019

TransFirst Review 2019


MENUMENUCredit Card ProcessingReview CategoriesCredit Card ProcessorsMobile Processing AppsOnline Payment ProcessorsHigh-Risk ProcessorsComparison PagesCredit Card ProcessorsMobile Processing AppsOnline Payment ProcessorsHigh-Risk ProcessorsLearnGuide to Payment ProcessingCredit Card Processing Fees ExplainedWhat is Interchange-Plus Pricing?Understanding PCI Compliance FeesLearn About Early Termination FeesLower Your Processing FeesBest ofSmall Business ProcessorsCanadian ProcessorsHigh-Risk ProcessorsCheapest ProcessorsRetail ProcessorsOnline ProcessorsPoint of SaleReview CategoriesGeneral POS SoftwareiPad POS SoftwareRetail POS SoftwareRestaurant POS SoftwareComparison PagesGeneral POS SoftwareiPad POS SoftwareRetail POS SoftwareRestaurant POS SoftwareLearnPOS 101: Choosing A POS SystemPOS 101: Budgeting For SuccessPOS 101: Inventory ManagementPOS 101: Offline ModePOS 101: API IntegrationsPOS 101: SecurityBest ofMobile POS AppsPOS Systems w/ Quickbooks IntegrationRetail POS SystemsFree POS SystemsPOS Systems for Food TrucksPOS Systems for Spas and SalonsLoansReview CategoriesSmall Business LoansBusiness Line of CreditInvoice FactoringStart-Up Business LoansEquipment FinancingMerchant Cash AdvanceComparison PagesSmall Business LoansBusiness Line of CreditInvoice FactoringStart-Up Business LoansEquipment FinancingMerchant Cash AdvanceLearnFind a Business LoanGuide To Small Business LoansSmall Business Loan CalculatorsSBA Loan Rates for 2019Can You Afford A Small Business Loan?Calculating Your Debt-To-Income RatioBest ofBanks For Small Business LoansFree Credit Score SitesLow-Interest Small Business LoansAlternatives To Lending ClubBusiness Lines Of CreditCash Flow LoansCredit CardsReview CategoriesSmall Business Credit CardsComparison PagesSmall Business Credit CardsLearnDos And Don'ts Of Business Credit CardsBusiness Line of Credit Vs. Credit CardImproving Your Business Credit ScoreUsing Personal Credit Cards for BusinessBest ofBusiness Credit Cards For 2019Chase Business Credit CardsAmex Business Credit CardsCash Back Business Credit CardsCharge Cards For Small BusinessesMoneyReview CategoriesMoney Transfer ReviewsComparison PagesMoney Transfer ComparisonAccountingReview CategoriesAccounting SoftwareInvoicing SoftwareComparison PagesAccounting SoftwareInvoicing SoftwareLearnBeginner's Guide to AccountingHow to Set Up Your Xero AccountQuickBooks Pro 101 SeriesXero VS QuickBooksWhat Is Double-Entry Accounting?Best ofAccounting Software For 2019Accounting Software For Small BusinessAccounting Software For MacsAccounting Software for InvoicingAccounting Software for AccountantseCommerceReview CategoriesShopping Cart SoftwareShipping SoftwareWebsite Builder SoftwareComparison PagesShopping Cart SoftwareShipping SoftwareWebsite Builder SoftwareLearnBeginner's Guide to Starting an Online StoreAdvanced Guide to Growing Your Online StoreBigCommerce VS ShopifyShopify VS VolusionBest ofShopping Carts w/ Best TemplatesShopping Carts For Global eCommerceShopping Carts for ArtistsShopping Carts For Clothing StoresOther SoftwareReview CategoriesInventory SoftwareBooking SoftwareEmail Marketing SoftwareProject Management SoftwareComparison PagesInventory SoftwareBooking SoftwareEmail Marketing SoftwareProject Management SoftwareMoreAbout Merchant MaverickOur TeamPress & MediaTestimonialsHow This Site Makes MoneyHow to Support Our WorkResourcesGuidesResearchSmall Business Loan CalculatorsLower Your Processing FeesFind a Business LoanBlogHome» Merchant Account Reviews» TransFirst Merchant Services Review Advertiser DisclosureTransFirst Merchant Services Review Visit SiteTransFirst Merchant Services Review 79 commentsUpdated on: Oct 26, 2016Review by: Tom DeSimoneAdvertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelinesto preserve editorial integrity. Visit SiteProcessing $1,000 per month or less in card payments? Visit Square for the best deal Date Established1995LocationBroomfield, COTable of Contents Thinking of signing up with TransFirst? Your sales agent or organization will make all the difference. For the best experience, we recommend signing up with CDGcommerce for all TransFirst accounts.Products & Services:Fees & Rates:Contract Length and Early Termination Fee:Sales & Advertising Transparency:Customer Service & Technical Support:Negative Reviews & Complaints:Positive Reviews & Testimonials:Final Verdict:Thinking of signing up with TransFirst? Your sales agent or organization will make all the difference. For the best experience, we recommend signing up with CDGcommercefor all TransFirst accounts.Overview:If you’re looking for a big, stable company to process payments with, you’ve found a good option with TransFirst. In business since 1995, they’re the ninth largest processor in the US, handling $37 billion from 200,000 merchants every year. With their long listof acquisitions and mergers (including Bank of America Merchant Services, Inc. and Fifth Third Bank Processing Solutions’ Third Party Sales Merchant Division), you may have already processed with them without knowing it. The old TransFirst headquarters were located on Long Island in Hauppauge, NY. They’ve since moved to Broomsfield, CO, so that’s where the phone calls from their friendly (they really are) sales reps come from. While some negative reviews have accumulated about TransFirst, you can avoid the most of the common complaints by approaching your sales consultation as an educated merchant. To avoid paying an early termination fee, be sure to have that clause removed from your contract or get a waiver form attached. If you’re worried about the rates being too high, make sure to ask for an interchange-plus planwith a markup rate appropriate for your business size and type. Don’t want any surprise fees? Make sure you demand a complete list of fees in writing. A number of merchants have complained of billing mistakes from TransFirst, though, and that’s a red flag for me since it’s difficult to prevent. While I can’t promise you that your TransFirst sales rep will go out of his or her way to get you a great deal, this is a fairly reliable company that can offer you good technology and good rates if you know what to ask for. They have acceptable advertising and sales transparency, and overall come in at above average in my book. I know that the bar is pretty low in this industry when it comes to sales reps disclosing all of the essential fees (especially from independent offices), so as always I encourage you to proceed with caution. For the best results, try to get a hold of a sales representative at the corporate office and not an independent agent from who-knows-where. Don’t rush through anything, and remember that you are the customer here. If you don’t get a good feeling from TransFirst, feel free to take your business elsewhere. Check out my full review below for the nitty-gritty on TransFirst. Overall, though, I’m still comfortable giving them 3.5 stars. They could improve their rating by: Addressing some complaints publiclyStriving for consistency throughout their independent sales officesDoing more to minimize billing errorsI’d also like to see the auto-renewal clause and early termination fees removed from their standard contract, or at the very least disclosed more clearly. That alone would bump them up a star. Products & Services:Merchant AccountsTransaction Express: Web-based virtual terminal.Translink Data Management Software: TransFirst’s in-house POS software. Pretty standard fare, it allows you to customize the information you receive depending on your needs. You may also find a POS software that better fits your needs using this tool.Payfox Mobile Terminal: This mobile card reader and app allow you to swipe cards from an iPhone, iPad, or Android device. Compared to many other mobile swipers and apps I’ve seen, Payfox looks promising.Transguard: This service is a little creepy. Through Transguard, the company can “provide TransFirst’s sales partners with early intelligence that one of their merchant accounts is shopping around for a new provider.” Good for sales people, uncomfortable for merchants.Terminal Leases/Bundled Leasing Program: Check out this articleand pass this one up.Gift/Loyalty ProgramsCheck ServicesEMV SupportFees & Rates:Somehow, TransFirst manages to offer simultaneously too much and too little information on rates. If you check out their Ratespage, you’ll see six different categories of rates: retail, eCommerce, phone processing, mobile swipe, wireless, and check/ACH. In each section, they list the discount rate, transaction fee, monthly service fee, and batch fee. You will find this information almost entirely useless since only some fees appear here and the flat-rate for service will probably not operate in your favor. It’s nice to see some disclosure of fees, though. So thanks, TransFirst – sort of. Needless to say, you should not accept these advertised rates. Demand an interchange-plus planand ask for their markup and transactions fees so you can easily shop around. TransFirst also has a new fixed-fee program called Transfreedom. This “simplified billing” program seems like a step backward to me. It reduces billing transparency to spare merchants from “confusing” statements and fees. (Riiiiiiight…) But if you’re looking for simple, flat-rate solutions, it might work for you. Basically, you pay a fixed rate depending on how much business you do and how large your average sale is. If you go over the allotted amount of sales for a given month, you buy extra room on your plan (at $20 per $500). The rates go as low as $39 each month if you’re doing less than $1,500 per month and your average ticket price is over $20. Check out their handy chartto see how much you might expect to pay each month under the Transfreedom plan. You can expect a two-year agreement with this plan, although they’ll consider a month-to-month deal with 90 days notice prior to canceling for some merchants. If you need a terminal from them, expect a five-year contract. Contract Length and Early Termination Fee:Right out of the gate, TransFirst will basically offer you the industry standard for contract duration and terminations fees, which includes: Three-year contractAuto renewal for one-year periods each successive yearMust receive written notice of cancellation 90 days prior to the end of the contract to prevent auto-renewal.Early termination fee of about $500. Or possibly between $250 and $1,000, depending on the time remaining on the contract and the amount of business you do. We’ve seen different terms in different contracts. Some also claim they charged the dreaded “liquidated damages,” which is a major red flag for me.These are more or less the same terms I see all day. Unfortunately, the industry standard sucks. Never accept these terms. Having a merchant agreement that lasts for three years won’t be a problem as long as the cancellation fee is low enough – or preferably nonexistent. Make sure that you get the auto-renewal clause removed. It provides no benefits for you as long as you remember to renew with them if you’d like to keep the service. In general, your processor won’t let you forget about that. I should talk about the 30-day free trial for a moment. A free trial can offer a great opportunity to put a service through its paces at minimal risk. Watch out for the terms, though, or that free trial could end up costing you big time. Also note: “This offer does not apply to leased equipment. Certain restrictions and exclusions apply. Merchant account is subject to credit approval. Offer subject to change without notice.” If you’re going to sign up with TransFirst, you might as well take advantage of this trial period. Make sure you know what you’ll have to do to cancel, though, and what charges you’ll incur. Some complaintshave come in citing difficulty with closing during the free trial period. Sales & Advertising Transparency:Even though I’m not crazy about their advertised rates, I’m glad to see some rates and fees advertised. Many processors leave you completely in the dark until you contact a sales representative. So while I don’t necessarily think this information will be useful to you (since you will, of course, ask for an interchange-plus plan), I view it as a show of good faith and a testament to transparency. They also provide a sample statementfor merchants to get an idea of what they’ll see each month. I love to see a sample statement, and I usually ask to see one from a sales rep during my research (and so should you). You should always take these samples with a grain of salt since the processor will undoubtedly put their best foot forward… right? Actually, that’s not always my experience. Case in point: TransFirst. I’m glad to see a bunch of feesdisclosed here, including the FANF fee (which all merchants have to pay directly to the credit card companies) and a PCI non-compliance fee. The rates are really strange, though, and no interchange information is provided. So much for transparency… On a better note, I’m impressed by a number of educational resources TransFirst provides. While most processors will list a few pages to explain how processing works, and maybe even offer a free “guide” if you’re lucky, TransFirst goes the extra mile to put together a really comprehensive collection of glossaries, infographics, blog posts, articles and so on. Of course, some are more useful than others, and I don’t feel like the whole set up has a great organization. They also fail to offer any information on interchange-plus pricing models. Still – a good effort and worth perusing. Customer Service & Technical Support:TransFirst advertises 24/7/365 US-based customer service (my favorite kind!). I’ve read a lot of conflicting opinions about their customer service, though, both in the comments section here and on other review sites. Some say they love it, others say it is hands down the worst service experience they’ve had. I would love to see some verified TransFirst users give their input. If you use or have used TransFirst and would like to help us out on this, please see our posting policy for information on Review Authentication. I’d really appreciate it! I can say that the sales rep I spoke to at TransFirst had a lot of fun energy and a really friendly demeanor. It’s nice to talk to people who seem to sincerely enjoy their jobs, so we got off on the right foot in that way. I asked her to send me a complete list of fees, a copy of their merchant agreement, which she agreed to, and I said goodbye with a good feeling about the exchange. And then I waited. And waited. And waited. Nothing. After a couple of days, I decided to submit an electronic request for this info. Hey, maybe she just took down my email wrong, I thought. There won’t be any transcription problems if I send my information electronically. The next day I got an email and a missed call from the same rep I spoke to originally. She sounded as friendly and energetic as ever but didn’t seem to remember that I had already requested this information. So I RE-requested it. And – I’m still waiting. As I’ve said in previous reviews, a poor rate of responsiveness on the sales end of a business is a bad sign. Usually, responsiveness peters out after you sign up, but it should always be 110% on the ball during the sales exchanges. For this reason, I don’t have a good feeling about the treatment you can expect from TransFirst’s representatives. Negative Reviews & Complaints:With 117 complaintsin the past three years with the BBB and 43 with Ripoff Report, TransFirst has a normal amount of complaints about a processor of this size. Not that normal is good here – but I’ve seen worse. They service 300,000 merchants, so under 200 public complaints in the past three years sounds pretty good. They also tout an A+ BBB ratingdespite the number of complaints issued, mostly because they addressed everyone. How they could have over 100 complaints but supposedly no room for improvement baffles me, but that’s just how the BBB rolls. The complaints I see for TransFirst seem all too familiar, especially for processors who use a lot of independent sales agents. Mostly merchants complain about agents failing to explain the contract terms and disclose all fees during negotiations. Basically, they trick merchants into signing a legally binding contract by failing to mention terms that might be deal breakers and rushing the process along. True, it is the legal responsibility of the merchant to read the contract before signing, but I really hate to see these kinds of complaints. Complaints about terminal leases also come up again and again. Terminal Leasing Complaints – A considerable percentage of the overall complaints volume comes from merchants upset with the terminal leasing terms they get through TransFirst, who outsources their terminal leases to various companies including Lease Finance Group (LFG), Northern Leasing, and First Data Global Leasing(FDGL). These things usually come with a four-year contract and almost never work out in your favor. Why don’t you take a moment to go to Amazon.com and do a quick search for “credit card terminal.” What kind of prices do you see? $150, maybe $200 bucks for a brand new machine. Now go ahead and sort the results by price from high to low. That’s right, even the most expensive machines come in at about $300 on Amazon. You can afford this – I promise. You can write it off on your taxes. If you don’t, you will regret it.  When you lease, they tell you that you’ll be able to buy the machine out at any time. The problem is that you have to pay whatever they say it’s worth, often $1-2K. You want to cancel your lease? No problem! You’ll only have ship the machine back and pay $1,000+ to buy out the rest of the time on your lease. And don’t forget all of those contract fees they’re charging you. Not to mention that to lease the machine will probably be $30-40 per month… Trust me, you can afford the $300 machine. Worried that it will become obsolete? Buy a new one. Buy three new ones. You’re still saving money. Pay someone to hook it up for you. You’re still saving money. But don’t take my word for it.Nondisclosure of Fees – The next most common complaint comes from “undisclosed” contract terms. When I say undisclosed, I mean that the sales person did not sufficiently explain the terms. They are, of course, in the contract. Somewhere. Many of these complaints have to do with the early termination fee. You have every right to request a full, written disclosure of fees before moving forward with any company, and I suggest you do so. To get the best result possible from TransFirst, make sure you, (a) do not lease any equipment with them, and (b) negotiatean affordable cancellation fee and get it in writing. Dharma Merchant Servicesonly asks for $25 to cover closing expenses, which seems reasonable to me. Use that as your baseline.Billing Issues and General Incompetence – This category of complaints probably scares me the most. No matter how well you negotiate your contract, how many hours you spent deciphering all the complex terms and haggling with your sales rep, it can all go out the window when your merchant account provider screws up your order, so to speak (i.e. double billing, failing to release funds, etc.). If you’ve read a few of my reviews, you’ve undoubtedly seen me say: “PLEASE, read your contract!” I have a follow-up recommendation for that: PLEASE, read every single statement you get! And read them punctually. In the contracts I’ve seen from TransFirst (and other processors), any billing issues not addressed within 90 days become null and void. That means if you realize that you overpaid by $500 on a six-month-old statement, the contractual statute of limitations has expired and there’s nothing you can do about it, legally speaking.Positive Reviews & Testimonials:TransFirst wins my “Most Improved Processor Award” in the category of available testimonials. They went from having absolutely no authorized positive reviews listed to having quite a few, many in video format on their YouTube channel. All of these testimonials come from business partners, mostly independent banks, but nevertheless, these merchants seem highly satisfied with TransFirst’s services, and they say their customers also appreciate the quality service. At least one of the testimonials doesn’t quite check out, though. In it, Dan Brattland comes on claiming to be the owner of an ISO called Global Bankcard LLC in Minnesota. He is, in fact, the President of Cocard Merchant Services, LLC. The name Global Bankcard, LLC, exists only in a few directories. So that’s weird, but I really love to see video testimonials and the rest seem to check out. TransFirst still gets the point on this one. You can also check out TransFirst’s Testimonials page to see about ten short reviews. I wish these reviews had dates and contact info so I could more easily confirm their veracity, but they’re nice to see anyway. Final Verdict:For a big processor, TransFirst doesn’t really stand out. They get the job done, but don’t go above and beyond. If you stay away from their independent sales agents and go directly through the corporate office, you’re more likely to have a good experience. Independent sales agents often have little oversight and minimal expertise. I have a feeling that most of those complaints about nondisclosure of fees and a bad sales experience come from those who worked with an independent sales office. TransFirst offers big-business resources and stability. They know what they’re doing and can definitely hook you up with quality service if they want to. You might have to negotiateto get what you want, though, and they might not concede to your request if they’ve got bigger fish to fry. If that’s the case, I’d recommend trying out a smaller merchant account provider/mobile provideror use our finder toolto find a provider that best fits your needs. TransFirst is okay in my book. Not great, but okay. They retain their 3.5 stars for now. If you’ve had a terrible experience with them in a way I have not addressed, please chime in. At this point, I’m not ready to lower my rating based on non-disclosure of fees by independent sales agents. But if you can confirm bad practices coming through their main offices, that would take them down a peg. On the other hand, if you can confirm a better standard merchant agreement than I’ve described here, I’d consider raising my rating. BioTwitterGoogle+LinkedInLatest PostsTom DeSimoneBased in New York’s Hudson Valley, Tom has written for Merchant Maverick since 2013 and currently serves as the website’s managing editor for payment processing content. His work is cited by publications including TechCrunch, Washington Business Journal, and Bank Advisor. Press seeking expert comments for stories related to credit card processing can reach him via LinkedIn for a prompt reply.@tahmdesimone+Tom DeSimoneLatest posts by Tom DeSimone (see all) Do You Really Need An EMV Chip Card Terminal?- April 18, 2019 Is Square Right For Your Business?- January 27, 2018 The Truth About Third-Party Payment Processing- January 18, 2018 How To Accept Credit Cards for Girl Scout Cookie Sales- January 12, 2018 The Best Mobile and Low-Volume Payment Processing Solutions- February 22, 2016Show moreShow lessLeave a comment79 Comments Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered. Mark May 18, 2018 at 11:51 am Organization Name: Horizon Translink is truly a ripoff, They shut us off and held over 120K in a second. We have been with them for some time they now see our charge back rate over 1%when we tried to talk to them one person was so rude he said that is that and hang up on us. 1 Organization Name: Horizon ReplyCarol Davis February 9, 2018 at 11:26 am Organization Name: Java jolt I have had nothing but good experiences with TransFirst. I have done business with them for about 6 years and have never had an increase or any of the common hidden fees I have experienced with other processors. No trouble with billing. In 6 years I have called a tech just once and the experience was good. I highly recommend them. Organization Name: Java jolt ReplyMichael Haines November 21, 2017 at 10:25 am Just tried to login to TE and the website is down. So to make things as difficult as possible there is NO phone number listed anywhere on the website. So I google it and after 15 minutes I finally find a support phone but they have found a way to make that as difficult as possible as well. The call goes straight to VM and as I’m leaving a message I’m cut off after about 10 seconds and a recording tells me my time is up before I can even come close to leaving a message as to the problem and why I’m calling. Companies like this are so disconnected from the real world of their customers that it makes me sick. This is enough to make me want to change merchant vendors. ReplyMIranda Harding September 8, 2015 at 6:10 pm I have had a pleasant enough experience with the customer service reps and wish that other credit card companies actually had people that were as friendly and as knowledgeable. The reason they are getting 2 stars from me is the actual screw-ups that have occurred with using them. I was hit with a charge for the credit card processor that slips into my phone and it took me actually having my bank interact with the company to get my money back. They gave me a significant refund, but it literally took over a month and as I mentioned my bank had to contact them. Now, I have once again been hit with a fee, yes it’s minimal, but I have been hit with a fee that I was told nothing about. I am not in a contract, they sent me the credit card processor for free and forgot to mention that there is a charge that is incurred with having the possibility of using them. Really? No one ever mentioned that to me at all and I’ve talked with people multiple times. Might have been a nice thing to know prior to agreeing to use their services. I’ve used Square and Flint both and have never been charged for just having the possibility of using them.If you decide to use them, you might want to actually ask what ALL the fees are because apparently they don’t disclose those at the beginning. 2 This comment refers to an earlier version of this review and may be outdated. ReplyLinda Alvarez-Thull August 24, 2015 at 11:12 pm Transfirst was covertly appropriating funds from my company. There is a compliance form that is required to be completed by companies, including mine. I had no idea. So Transfirst charged my company $40.00 month penalty for not having it completed. BUT, to inform me, placed this penalty within the normal fee, under the standard non-negotiable fees, and called it “Quarterly PCI Non-Validation”. The representative told me that line item was my reminder to complete a questionnaire. 2 This comment refers to an earlier version of this review and may be outdated. ReplyPhillip Boissel June 5, 2015 at 12:38 pm I am looking at a statement from CoCard ,1st Data/ Global did the billing. It is a bill back statement meant to deceive the merchant. They show $1400 in fees on front of statement. They actually debited an additional $500 from merchant checking account with no explanation. They typically hit merchant accounts on the 4th and 11th. It is hard to believe merchants don’t question these charges. 3 1/2 stars is a bit better rating than I would have expected. This comment refers to an earlier version of this review and may be outdated. ReplyEzekiel Guerra May 1, 2015 at 11:26 pm This company will SCAM you unless you stay on top of your account every month. Prior to Transfirst I was paying an average of 2.15 % they say that they will do better… Well today after 2 years of been with them I look at my statement and on $102,000.00 that I processed on the month of March their total bill was $ 4,105.42 This was over 4% They also add to the statement 16 different charges that, when I questioned that they say that those charges are not from them, that the 16 charges they are pass on to us from the credit card companies. When I contacted QuickBooks merchant services they offer us a clean 4 line statement and a flat rate of 2.9 % Citi Merchant services they offered a interchange + 30 points … this come out to be 2.15% based on the government cards that we always run.. I will never use Transfirst, Be very careful with this merchant company We have lost easily over $20,000.00 by trusting that this company would maintain their fee as when we started. Good luck Ezekiel This comment refers to an earlier version of this review and may be outdated. ReplyM.E April 16, 2015 at 9:35 pm No idea why staff is giving this company a 4* rating.I fell into the same trap, and I am not sure what I actually signed and what I didn’t sign. I do not think that I actually signed a $19.98/mo 4 year lease agreement on a mobile card reader that Square gives away for free. Why in the hell would I pay almost $1000 for a piece of equipment that costs less that $10 to manufacture. Of course, now there is a contract that “I signed” and there isn’t an exit clause. Same story as everyone else here. I would gladly participate in any class action suit against this company. Even though I don’t think I signed the contract and I know that it’s not what my rep said I was getting, there is now a “valid contract” in place that I can’t fight. My advice… Never under any circumstances should you ever do business with this company. Worst business decision I have ever made in my life. (can’t say worst decision ever because I’m sure there are worse things in life…like drinking and driving, putting cancer causing agents in your body, dirty things with dirty people, etc) But, for business…This is the same as walking as walking through the hood after dark and waving a bunch of money around. Not a good idea. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJon Stevens April 23, 2015 at 1:47 pm Interesting….after opening an account with transfirst, I found that my statements did not agree with the details on my signed contract…..Upon contacting the company, they also had a different contract than the one I agreed to…..they refused to send a copy of their contract, and even refused an explanation, I ended up needing to close my bank account This comment refers to an earlier version of this review and may be outdated. ReplyAmad EbrahimiApril 23, 2015 at 6:49 pm Thank you for the comment Jon, If you’re looking for a new processor, we recently launched a toolto help our readers find the right merchant account for their business. Please give it a try and let us know what you think. Take care, Amad This comment refers to an earlier version of this review and may be outdated. Replyrobert rowe April 24, 2015 at 7:05 pm I am re-replying, as apparently I have been censored…..for EM, and anybody with a contract with transfirst……get out your contract, get a copy of the contract from transfirst that they have implemented (if indeed they will send you one)….and compare the two to make sure there on no changes/surprises…..in my case, the company had an entirely different contract, where my signature was forged…..i expect this reply to also be deleted This comment refers to an earlier version of this review and may be outdated. ReplyAmad EbrahimiApril 29, 2015 at 1:57 am Robert, You haven’t been censored at all. You and I have had a few email correspondences about this but I’ll reiterate what I mentioned in the email. If you look at the Negative Reviews section of our review, you will notice three headings: Terminal Leasing Complaints, NonDisclosure of Fees, Billing Issues and General Incompetence. I believe all of those headings are sufficient enough warning to our readers about the negative aspects of TransFirst. For us to accuse TransFirst of forging documents would be an accusation that is not based on fact because we don’t have any facts to go on. Take care, Amad This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone April 29, 2015 at 2:13 pm Hi Robert, As I mentioned to you via email, I had unapproved some of your comments because I saw that your IP address had posted comments under more than one name, which is usually indicative of fraudulent comments. Since you supplied your business name to me via email so I could confirm, I am reapproving your comments. But as I mentioned in the email, this is in no way to protect TransFirst. It is simply to prevent the posting of fraudulent comments. This comment refers to an earlier version of this review and may be outdated. ReplyConnie Gomez April 12, 2015 at 10:42 pm After reading all the complaints with Transfirst, I am going to contact them and talk about my account with them. I am going to cancel my lease with them on the terminal machine, and also cancel my contract with them. I have an idea, by reading these complaints that it will cost me more to get out from under them, but I am ready and willing to bite the bullet, and pay whatever I have to in order to be rid of their services. I know in the long run I will benefit from it. We have leased from them for years and now I realize how foolish it has been to do so. I am looking into other companies, and Payment Depot, seems to be the best deal for me. The offer a “membership” with no contract a a “true cost”. Transfirst, scares me to the point that I am unable to sleep. I refuse to give them any more of our hard earned money.Thank all of you for sharing and making me act quicker to solve my issues with this Horrible company! I would think with all the complaints esp. with the BBB, they would be forced out of business.Connie G 1 This comment refers to an earlier version of this review and may be outdated. ReplySehra SooJung Han March 10, 2015 at 6:36 pm These people are crooks and liars. DO NOT DEAL with THEM.They charged me more than twice what was quoted to me over the phone.I specifically asked if there were any hidden fees or any other penalties or any other charges I should know about and the agent sweetly told me that no, no there weren’t.BIG FAT LIE. I turned in a complaint to the BBB today and we will see what happens.Has anyone fought the $500 early termination fee and won?Please contact me if you have. I’ll be your ally. scarlettdesignsmail@gmail.comAlso, PLEASE NOTE** that the Terms and Conditions are on a page of the contract that does not have a signature on it. I don’t even know if this can be held up in a court of law. I never signed the page that said there was a termination fee. There is no line on that page for a signature. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJayne January 29, 2015 at 4:28 pm Here is my update. Thank you for posting my comments. The BBB has taken the complaint after all. So has our State AG office. My complaint is based solely on the failure to verbally disclose the 500.00 fee for cancelling “with more than 12 months remaining” stated in the Terms and Agreement, page 4. **BTW, there are no shortage of studies showing that we tend to absorb a lot less of what we’re reading from a computer screen, add to that 6 pages of size 8 font and the termination clause tucked in the middle, it’s no wonder so many people don’t see it. Do I think that TransFirst is counting on this? Yes. The next question is why do they have such a strict cancellation policy? If they were a good company they wouldn’t need one. People wouldn’t want to cancel. I was with Elavon for 28 years and it never occurred to me to cancel. When I added an e-commerce site, I had to open a separate acct. When that site didn’t work out, I canceled the second account. The charge was 20.00 for the month since I canceled midway into the month. It’s also very strange that I still have nothing in writing out lining what the fees are. I’ve asked CS, the rep, and tech support and there has been no clarity, no actual breakdown. Ironically, I got the most out of tech support, where my call was routed on the weekend (the 24/7 CS that was promised were off). TS threw out some numbers, 39.00 for the first 1,000 and 20.00 for increments over that, but he was very non-committal and told me I needed to contact CS. I first emailed the rep (who promised to be there for me hell or high water), asking why I was charged a monthly fee of 119.00, he only offered to see if he could get them lowered, then I never heard back, after repeated attempts to contact him. Customer Service wouldn’t explain the fees either, they just threatened me with the 500.00 cancellation policy and reminded me I had agreed to the fees and the cancellation policy when I e-signed the 8 point font contract. I then tried to access my “electronic contract” from the email link they sent to sign me up back in September, and the document had been “removed”. I was able to access the Terms and Conditions link. In the end, it’s just a handful of dollars over what it would have cost to have stayed with my other processor Elavon (1.99 % and .25 per transaction), but handfuls of dollars add up. Combine that with the lack of support and clarity as to the breakdown of fees, from CS and the rep, the undisclosed 500.00 penalty for canceling, and the threat of legal action if i canceled without a verbal agreement to pay 200.00, it was a nightmarish experience. I’ve learned a big lesson. Either don’t answer the phone or hang up the second it’s clear I’m being solicited. This comment refers to an earlier version of this review and may be outdated. Replyrobert rowe February 28, 2015 at 1:47 pm just a note to explain my issues with transfirst that led to my contact with the BBB…i actually had been a customer of transfirst for several years when i was solicited by another commpany…….the sales rep compared my original contract with my statement, and the terms/fees were considerably different….a quarter percent here , 3/8 percent there…..added up to $10,000.00 over the life of the contract…….calling transfirst and speaking to the phone rep, she examined my contract on her computer screen, and it was an entirely different document than the one i signed….in fact, the signature on the contract authorizing the opening of the contract was entirely unknown…..she stated i would receive a copy of the contract in the mail within 5 business days…..this conversation was repeated at weekly intervals for 50 consecutive weeks, and i never received a copy of the contract from their office…..finally went to my bank which received a copy of the contract allowing transfirst to debit their fees from my account…..lo and behold, the bank received a different contract from the one i signed but identical from the one on file at transfirst…..asking the company to please explain this once again, was told that i would receive a copy of the contract in the mail, and that management would speak to me the….never came and when a called the following week, i was told that all old contracts have been deleted the company had no record of my multi year business association….. i never received an answer, how my signed contact became an entirely different one implemented by the company, why they refused to send my a copy of the contract they had on file, or how it so conveniently and mysteriously disappeared amidst mounting evidence that i had been victimized by a classic bait and switch This comment refers to an earlier version of this review and may be outdated. ReplySehra SooJung Han March 10, 2015 at 4:37 pm Hi Jayne,Thank you so much for writing this. I will also take this up with the BBB. I’m having the same issue with them as you are over the strict cancellation policyand how they directly lied to me when I asked them over the phone if there was a contract involved and if there were any hidden fees.If you have any information for me if you won your case or how you went about it, I would be very appreciative to know.Thank you ~ scarlettdesignsmail@gmail.com 1 This comment refers to an earlier version of this review and may be outdated. ReplyJayne January 16, 2015 at 1:41 pm I have already weighed in on my rating which is negative. Zero. I am back with a quick note about TransFirst BBB rating. I tried to file a complaint with the BBB along the same exact lines as all the reasons customers have listed here, misleading quotes, triple the rates that were quoted, no disclosure of onerous cancellation policy. The BBB rejected the complaint with this comment: We regret to inform you that your Better Business Bureau cannot process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of BBB?s purview. It is our policy to process only those complaints that fall into BBB’s scope. Items such as landlord/tenant issues, criminal allegations, requests for punitive damages, employer/employee disputes, cases already involved in litigation, civil right violations, business to business collection issues, etc. are not handled by BBB. Any insights would be helpful. This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone January 20, 2015 at 7:38 pm Hi Jayne, That is very unusual. The type of complaint you have against TransFirst is commonly processed via the BBB, so I really have no idea why they declined to pursue it. My only suggestion would be to try to refile it with slightly different wording that takes into account the rationale they provided here. Sorry to hear about your horrible experience with TransFirst, and am glad you’re back with Elavon and satisfied with your service there. Good luck, Tom This comment refers to an earlier version of this review and may be outdated. Replyrobert rowe February 26, 2015 at 8:09 pm transfirst led the nation in complaints filed to the BBB and were the only company in the industry with an “F” rating…..they then paid a large fee to the BBB to become “accredited”, and miraculously subsequently recieved an A rating….this is how the BBB conducts their business This comment refers to an earlier version of this review and may be outdated. ReplyJayne January 16, 2015 at 1:18 pm I had been with Elavon since 1989 and my terminal was about to become obsolete. I got a call from a Transfirst Sales Rep who was very personable, and in hindsight, I realize that it was all a scam. He caught me at an incredibly busy time, I had months of work to catch up on and a dozen fires to put out, and he knew it. He kept after me with this extremely supportive and polite nature, promising me that TransFirst could offer me better services at equitable rates. I should have listened to my fax machine which just didn’t seem to want to send him the statements. It took me a week to get them faxed, the sales rep so patient, and in hindsight more like a mosquito that kept buzzzing. Bottom line, run the other way if a TransFirst sales rep calls. I was with them for three months, the fees were triple, the 200.00 cash back that was promised didn’t transpire, I had to insist on it, and then when I realized that the fees were not what was effusively promised, I put a call into to cancel to find that the fee for that was going to 500.00. I don’t even rent a terminal from them, I use their website. UNBELIEVABLE. I was back with Elavon in a matter of hours. My rates have actually gone down as I am now using their website for my processing. When I reached out to the sales rep who had promised to be there for me come rain or shine…when I asked “why are these fees triple what you quoted,” he basically disappeared. Any company, big or small, that tolerates this kind of business practices should be held accountable. This comment refers to an earlier version of this review and may be outdated. ReplyChuck Jones December 16, 2014 at 1:22 am I wish I could give transfirst a 0 rating. They don’t deserve any stars. The sales rep steered me to a equipment lease that is criminal. I never saw the contract they said I signed. He also promised my total cost of processing would be much less than 3 per cent. The real cost for me is well over 3 percent, sometimes a monthly charge is 4 per cent! TOTAL RIPOFF’!!!!!!!! 1 This comment refers to an earlier version of this review and may be outdated. ReplyAlfredo December 8, 2014 at 5:31 pm Don’t use them! The contract is emailed to you in a way that you will click on it without reading it . They took me for 178$ with out even being able to use the service! I told the original sales person the eqipment was not usable and to cancel my service and he didn’t . The cancelation department is rude . These people will take your money! 1 This comment refers to an earlier version of this review and may be outdated. ReplyDoug Gurth November 3, 2014 at 5:31 pm As an employee I will not give a rating but after reading the complaints and praise I do want to address a few things. 1. Not all reps are the same at any company you come across. There are good and bad everywhere. 2. Your rep should always set expectations. 90% of merchants I sign cannot even read their current statements. Ask your rep to explain pricing, fees etc. I personally provide a written proposal letter. 3. Industry standard for processing and leases is contractual. Proccesing is typically 3 years and leases are always 4 years (in some casaes I have seen 3 or 5 but definately out of the norm). Be extreamly careful about buying terminals or equipment off the enet. It may seem cheaper but is it secure or does it work? Is it locked? Never buy from an individual/private party. 4. PCI compliance is very important. Get it done and you won’t see higher penalty fees. 5. Interchange plus pricings is not always the best option. I provide a cost analysis to my customers based on their current pricing. 6. Remember, when you use a in person Rep. that his/her time is just as valuable as yours. They do not work for free and anything of quality cost something. If you want to call them at odd hours or have personal service to help you with something that is very misunderstood it will cost you something but a good rep will save you hundreds if not thousands a year in the long run. This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone November 3, 2014 at 6:01 pm Hi Doug, Thank you for taking the time to offer your perspective. I’d like to respond to a couple points to make sure readers get a little more information. 1. We absolutely agree that no company has 100% consistency for the practices of its sales reps, but some companies are more consistent than others. Unfortunately since we are unable to review each agent independently, we have to report on trends we witness and on corporate-level practices and decisions. 2. Sales reps should absolutely explain statements and go over pricing information in-depth. So glad to hear you do this! 3. This is not 100% true anymore. Month-to-month agreements are becoming more common, and early termination fees are very often waiveable. Yes, you will technically need some sort of a contract term, but it doesn’t have to be enforced by an early termination penalty, and certainly doesn’t have to auto-renew at three-year increments if a penalty is to be assessed. Four-year non-cancelable leasing agreements are also quickly falling out of favor in the industry as merchants wise-up to other options and ISOs find better ways to handle equipment rentals/sales. That said, I do 100% agree with you that merchants should make sure their credit card machine purchases come from reputable parties. 4. PCI compliance is certainly very important. We just like to make sure that fees are disclosed and that merchants are receiving the compliance help they deserve when they are charged a compliance fee, and that they are offered help toward avoiding non-action fees. 5. Interchange-plus is not always the best option, but it often is. Of course, an interchange-plus plan can be overpriced in the same way a tiered plan can. 6. To my mind, nothing beats a dedicated in-person rep. But again, we are not in the business of reviewing local account managers. We just try to provide merchants with the tools to ensure that they get a fair deal and good value. Many merchants are willing to pay a little extra for better service if the contract terms are fair. Thank you again for posting. Best, Tom This comment refers to an earlier version of this review and may be outdated. Replyjoe September 25, 2014 at 7:04 pm worst company by far!!!!! they are horrible, Absolute worst re seller for authoriz.net 1 This comment refers to an earlier version of this review and may be outdated. ReplyTonda Richards September 9, 2014 at 5:20 pm the reason Transfirst is getting 2 stars from us is their horrible customer service. We have been attempting to integrate payment processing into our website and have had unreasonable amounts of issues and problems. We were told one thing and then told another, not to mention their representatives do not return calls and seem to conveniently “drop” calls in the middle of a conversation with them. If at all possible, find another processing company. This one is not worth your time and effort. 2 This comment refers to an earlier version of this review and may be outdated. ReplyLari Johnson August 23, 2014 at 10:09 pm Run like the wind from this company!!!!We’re a small business with fewer than 35 transactions per year, all of which are called/dialed in. We’ve been with TransFirst for 7 years and despite the high-ish fees and lukewarm customer service, we just did not want to be bothered changing merchant services companies. Bad decision! In our business, when we do have a credit card transaction, it is usually quite high and since we ship the merchandise as soon as we receive the approval from TransFirst for the transaction, we trust they will do what they are contracted to do and process the charge and deposit the funds in our account in a timely manner. This is critical to a small company. Then this nightmare happened – All of our transactions from November 2013 through February 2014, each of which had been approved by TransFirst via the automated phone method, never got processed! And TransFirst did not notify us that their “system had experienced a glitch” (as they put it) despite the fact that they were aware for weeks that these transactions were not being processed. TransFirst allowed the problem continue for four months! This resulted in more than $12,000 in credit card charges never being processed. Our customers received merchandise but their credit cards were never charged. We received NO funds and TransFirst’s customer service reps (yes, friendly enough when you reach them, but they NEVER call back and one put me on hold for 8 minutes, then disconnected because I asked to talk with a supervisor!) offered NO solutions, NO refund of fees, NO assistance with recouping the lost funds and NO explanation for not notifying us of this problem.Their response: “If it’s over 30 days, we can’t help you.” BUT it’s TransFirst’s error and my company should not lose this income because of their “system’s glitch”. Attempts to resolve this very serious financial loss to our company and speak with anyone who has the power to make a decision have been fruitless and frustrating.I should mention that we continued to get the monthly statements and to be charged fees even though they were providing no services and had cost our company $12,000 in lost revenue.I have complained to the BBB (I cannot believe the A+ rating either), have spent hours trying to work with our customers to recoup some of the charges, but to little success, and become totally frustrated with TransFirst. This is unbelievably bad service bordering on criminal when it comes to the handling of funds and communicating with clients. We have spoken with the Consumer Protection Agency, and our attorney about next steps.Apparently corporate responsibility, integrity, professionalism and customer service are of no importance to TransFirst. 1 This comment refers to an earlier version of this review and may be outdated. Replyhidohebhi August 22, 2014 at 12:51 pm I’ve worked with many merchant accounts now, and there are several pretty good ones (Total Merchant Services, Flagship, etc.).Transfirst is by far the worst I’ve ever had to deal with. Customer service is non-existent, and they withhold funds indefinitely with no updates. 1 This comment refers to an earlier version of this review and may be outdated. ReplyBarbara Nass August 14, 2014 at 9:32 pm Transfirst lied about the length of my contract which I never saw. I was told I was signing a 2 year contract which turned out to be 3 years. I wanted to cancel the account In January (after more than 2 years but less than 3) but was told my contract would be in effect until August. It was cheaper to pay each month than to pay the termination contract and cancel in August which is what I did. There were no transaction fees after January but they still charged me for the PCI validation . I explained this to one customer service agent who said she would submit it for review and to call back in a few days. When I did I was told it had never been submitted but I had to pay the fee anyway. I would never use them again. 1 This comment refers to an earlier version of this review and may be outdated. ReplyRobert schoultzAugust 6, 2014 at 11:33 pm I never signed up with transfirst and was billed by them when all I had done was look into their services, The compatible shopping cart list was way out of date. I never signed anything beware!! 1 This comment refers to an earlier version of this review and may be outdated. ReplyDiana Rae July 10, 2014 at 3:02 pm I run a small (less then 10 people) family run company. I must admit I am shocked at these bad reviews. I have been with TransFirst since 2009. I have had to call them a few times regarding fees and rate increases. Every time their customer service has fixed/lowered the rates within one or 2 phone calls. They might not be the absolute best company, but I have to say they have never lied to me. Their customer service has always been very helpful to me. 4 This comment refers to an earlier version of this review and may be outdated. ReplySam July 7, 2014 at 3:49 pm Scumbags. Well over $800 in hidden fees over the last year or so. New ones tacked on randomly. Signed me up for things I wouldn’t ask for. When I complain, they try to smooth talk me, then ignore my emails. I have never been treated like this by a payment processor. Not even close. This comment refers to an earlier version of this review and may be outdated. ReplyRobert Rowe March 22, 2014 at 5:42 am The Massachusetts Veterinary Medical Association has withdrawn their endorsement of Transfirst LLC following investigations of numerous complaints by their members alledging unethical or llegal practices by the company, including bait and switch, forging signatures, unauthorized charges and double billing. The company refused to cooperate in this investigation. The MVMA has alerted its members to carefully check their records for any inconsistencies. The American Veterinary Medical Association has been notified, and will be conducting their own investigation to protect thousands of their members nationwide. This comment refers to an earlier version of this review and may be outdated. Replyrobert rowe July 8, 2014 at 2:33 pm as a follow up…..The American Vet Medical Association has listed Transfirst as a company to avoid, as they have declined to cooperate in an investigation of complaints of bait and switch, unauthorized charges and double billing……if you have a problem with transfirst…..and you probably will…..they will tell you to f— off, as they have told a professional organition with over 80, 000 members nationwide This comment refers to an earlier version of this review and may be outdated. ReplyNancy Barbara March 14, 2014 at 4:38 pm These is a disreputable company.. check reviews – Scam Artists for sure. USE ANYONE ELSE -take it from me! We are now trying to cancel after 18 months and they are charging us $500 TO CANCEL!! This comment refers to an earlier version of this review and may be outdated. ReplyMatthew CashionFebruary 3, 2014 at 2:45 pm Beware! Extremely high fees and non transparent! We were charged fees that were not in our agreement, and we have this in writing, however, when we try to question fees no action was taken and we have followed up several times. Even after two months no action has been taken. Also, when joining TransFirst we were promised credits on our statements to compensate the exit fees of our previous merchant service inorder to switch to TransFirst. We are still fighting to receive these credits. Does not seem like a trust worthy organization. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJoyce Ballard January 24, 2014 at 3:57 pm I was with Solverous for over 3 years. They sold to Transfirst. I was told it would be exactly as what I had. NOT SO. Since May, I have called about 7 times. Finally canceled in November. In January, they charged my account another $90+. I am still trying to get a refund. Don’t go with this company. This comment refers to an earlier version of this review and may be outdated. ReplyChris Rush January 10, 2014 at 9:30 am I would avoid using this company at all costs. My rep is always unreachable. Customer service – Poor. The randomly added a $79 fee at their discretion for annual admin fees. The fine print in these documents should be investigated for a class action lawsuit in my opinion. This comment refers to an earlier version of this review and may be outdated. ReplyThomas A. SmithDecember 30, 2013 at 9:20 am This organization does a pretty good job- but for a small business one REALLY needs to look at the fees (monthly, quarterly, and annual- yes, three different sets of fees.)This company worked really hard with my company to keep fees to a minimum, but the fees still ate up 50% of my annual profits from using their service.So, I called.This webpage suggests that if someone doesn’t like the program, then take the business elsewhere. BE CAREFUL WITH THIS, FOLKS! THE CONTRACT HAS SOME LANGUAGE THAT SAYS AFTER 30 DAYS OF USING THIS SERVICE, YOU ARE LOCKED IN TO A 3-YEAR CONTRACT THAT HAS A $500 PENALTY FOR CANCELLATION. I did the math, and it was actually better for me to eat the $500 now than to wait through 3 years of fees that would cost me more than that. 2 This comment refers to an earlier version of this review and may be outdated. ReplySean West November 29, 2013 at 4:39 pm I just cancelled my account for many reasons. They are slow, they lie to you, they hold your money for longer periods of time than agreed upon, and if you have a problem with any of it they will freeze your account and funds for 160 days. Dont you dare talk back to them. They like to think they are more important than you and because they process your money, they think they are your boss. yea right. now they are charging high PCI compliance rates, way more than any other company and its still charged if you are in compliance. Their monthly gateway fee is expensive as well. To process $500 this month cost me about $75 in monthly fees. way too expensive!! I would not recommend their services to anyone. They are one of the corporate bullies that needs to be put out of business. This comment refers to an earlier version of this review and may be outdated. ReplyJohn Lysdahl November 19, 2013 at 3:59 pm TransFirst has been harassing me for my company’s business since November, 2012. I finally had to send them a letter requesting they never contact us again because their calls were coming in from multiple sales reps/contractors…and they would lie on the phone to get our customer service department to transfer their call(s) to me, they also went thru sales, thru the president of the company, etc. Now the onslaught has started again this year. [edited: name removed] called me about two weeks ago. Very clearly I let him know that we were not interest in leaving our current credit card processor. So, [edited: name removed] is harassing us once again by now going to the president as well as the CFO of the company…complaining that I will not give him a chance. Rest assured, after that tactic, TransFirst will never get our business. This comment refers to an earlier version of this review and may be outdated. ReplyDenise November 19, 2013 at 1:03 pm A TOTAL RIP-OFF COMPANY!!!!! Don’t EVER do business with this company!! They lie about hidden fees and will charge $500 to close your account! This year our business changed and didn’t do very many CC transactions. In fact, we made 3 transactions YTD totaling $1,254 and was charged $636 for the processing!!!! When I contacted manager Becky Unruh about cancelling the account, she was rude and steadfast about charging me the cancellation fee despite the outrageous fees already paid! NEVER DO BUSINESS WITH TRANSFIRST…you’ll regret it! This comment refers to an earlier version of this review and may be outdated. ReplyBeth Self August 9, 2013 at 12:40 pm I would not do business with Transfirst, they opened 2 accounts on my company(without my knowledge) and then where charging me 2 monthly fees, when I saw what was happening, they were going to charge me $500 to drop my service that I did not need, or order before contract was out. I have waited for my contract to be up with these folks so I could get out of this contract and away from these crooks. Please check these folks out before you sign anything they do not care about their customers!!!!! This comment refers to an earlier version of this review and may be outdated. ReplyLisa Jackson July 9, 2013 at 4:01 pm Horrible service…hidden charges…misrepresentation This comment refers to an earlier version of this review and may be outdated. ReplyGeorge Farag April 12, 2013 at 5:58 pm We had been informed by [edited: name removed] that we can terminate the agreement at any time no penalties. We had opened two accounts. After almost two years, we have closed one of our companies and we would like to close that company merchant account. We have contacted the same rep. she never replied, conated the company they informed us that there’s a $500 early termination fees. They cheated us. Finaly, be carefull if you want to deal with Trans First. As a CPA, I recommend you deal with Bank of America, Citi bank merchant services and avoid Trans First to keep away from headach. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJames Thomas February 28, 2013 at 2:05 pm I have been with TransFirst since 2008 and couldn’t be happier. All the cry babies above crying about closing fees, waa! waa! You are obligated to pay fees with every company with a service, not just this one. And if you have the indecency not to pay them back then they will come after you for the money owed to them. So will all other processing companies in America. As I stated all service companies have fees, that is how they make money. AT&T, Sprint, Verizon all have fees and if you don’t pay them then they will prosecute you and sue you. TransFirst is a great company and don’t believe anything differently. I have been with several other processing companies in the past and none of them are as good as TransFirst. This comment refers to an earlier version of this review and may be outdated. ReplyTom DeSimone October 18, 2013 at 2:21 pm For the sake of full disclosure, we should mention that “James Thomas” provided an email address connected to an Agent Office for TransFirst. Unfortunately, this type of tactic will not help the rating of this company in my upcoming update of this review. This comment refers to an earlier version of this review and may be outdated. ReplyNancy Barbara March 14, 2014 at 4:44 pm you’re info is VERY INcorrect (but I can think that you have other agendas – waa waa?) Other merchant companies do not charge these fees. Why would you compare them to cell phone services? There is a movement afoot for a class action suit – I would certainly join it! DO NOT USE TRANSFIRST – very disreputable! This comment refers to an earlier version of this review and may be outdated. ReplyAmy Feng February 19, 2013 at 1:40 pm Do not deal with Transfirst. I rips off your money by making false claims. Due to many unhappy issues with it, I closed my acc with Transfirst. But the processing of closing my acc was awful. I received my last statement and found it overcharged me $10 (I have completed PCI questionnaire, which according to our contract, I shall only pay $18.8, instead of $28.8 in the statement.)I called and was confirmed that its system showed I complied with PCI and $10 will be added to the refund (Ref#58). However, later on I found it did not add $10 to the refund. When I called again, I was informed that its system showed my PCI has not completed and the $10 refund was rejected. It is very conflict to the previous info. My PCI was completed a year before. If there were any issue, its system should have shown when I called. I believe Transfirst intentionally overcharges its customers by making false claims. This comment refers to an earlier version of this review and may be outdated. ReplyDoug Gurth November 3, 2014 at 5:35 pm PCI Self assesment must be completed once a year every eyar. Not a one time thing. This comment refers to an earlier version of this review and may be outdated. ReplyTL Rice January 17, 2013 at 2:59 pm I changed my merchant provider to Transfirst on the advice of my trusted banker from Colorado Business Bank. I never received a contract in writing and was rushed to sign an electronic form due to a dead line, I trusted them that everything was disclosed to me and all the items I required were in there, after all Colorado Buisiness Bank who I trusted was the one pushing their services. All was good for a few months and than administrative fees started to be added which was not in the original contract. Then large year end fees. When they were addressed with the company they claimed they had the right to it. They also force you to pay for a PCI compliance fee which you really do not need but they will make you pay a larger fee for something else if you don’t sign up for it. They also assured me I could cancel the account at anytime with no penalty and then when I called to close the account after all the administrative additions they wanted to charge me $500. I recommend you steer clear of this Company not a good place to do business 1 This comment refers to an earlier version of this review and may be outdated. Replyrita khouri January 14, 2013 at 12:39 pm The hardest and most terrible people to deal with. They lie to you and they charge you as much as they need and when you complaint they will give you a discounted statement but not sent to you. You cannot review your statement. Liars 100%. Do not deal with at all. PERIOD. 1 This comment refers to an earlier version of this review and may be outdated. Replyrita khouri January 14, 2013 at 12:39 pm absolutely correct This comment refers to an earlier version of this review and may be outdated. ReplySkipper CrowJanuary 14, 2013 at 12:10 pm My Corporation has had a TransFirst merchant account for about a couple of years for our online auction business. We been trying to close the account as we no longer use the online auction company TransFirst is associated with. We have had a terrbile time getting it closed even though it has not been used in 4 months. Now they keep drafting charges out of the account until I have refused to pay anymore through our banking institution. My advise to other business people is do not get an account with them and if you have one and decide to make a change, discontinue payments after you ask to close the account as they will sock it to you until you do. Not a firm I can highly recommend to work a merchant account with. This comment refers to an earlier version of this review and may be outdated. ReplyBeth CaldwellDecember 21, 2012 at 9:49 am I responded to an ad for Trans First on google. The agent was very professional and positive and easy to work with but she was not completely aware of her company’s fee structure and policies. She may not have intended to but she outright lied to me about fees. In my case after 2 months I realized that I was actually paying three times more for merchant services than I was before. Suddenly she does not answer her phone or return emails. When I called her she immediately transferred me to customer service who gave me her supervisor. Her supervisor was extremely rude and referred me to my signed e-agreement. If I owned the company they would both be fired. BE VERY CAREFUL and read all the fine print. Bad employees can damage a good company. This comment refers to an earlier version of this review and may be outdated. ReplyDonna H.November 20, 2012 at 11:10 am I have used 3 merchant services over the years and TransFirst has been the best so far. I have had others try to beat their price and they might come close to the same but I won’t change unless someone can come up with a better deal for sure. I read everything and know every charge and after all is said and done we pay almost half of what we used to pay percentage wise. We went from an overall average of 3.56% in 2006 with SunTrust Bank to Sterling Processing in 2010 at 2.81% overall average and now so far this year with TransFirst we are averaging 1.95% with ALL fees including PCI. The only complaint I have on them is there was no forwarning to remind us to renew our PCI and was charged an additional $19.95 for a month which I, being experienced over 20 years with the process now, realized what the problem was and remedied that quickly myself. But even including that into my figures we save alot going with TransFirst. 5 This comment refers to an earlier version of this review and may be outdated. ReplyK KlopfensteinJuly 7, 2012 at 3:07 pm 5 Stars 5 This comment refers to an earlier version of this review and may be outdated. ReplyK KlopfensteinJuly 7, 2012 at 3:06 pm Trans First has been fantastic to deal with.We are saving money from our previous merchant services provider.The help desk is friendly and knowledgeable.Our rep showed us how much money we would save by purchasing our own card machines; so we did, compared to leasing.They come highly recommended from several local businesses in our area.The above complaints helped me understand the need to do my homework, and have the contract completely explained to us.I signed what I read and understood, so for that thanks.I would Highly recommend our rep to any small business operation. 5 This comment refers to an earlier version of this review and may be outdated. ReplyBisley USAMay 24, 2012 at 10:47 am We have been using Transfirst for about 2 months. The changeover to them was smooth as silk and the service has been super. We receive our money on time, correctly and without a hassle. We save a nice bit of money from our previous provider. It was a very good move changing to them. 5 This comment refers to an earlier version of this review and may be outdated. ReplyMark WorthingtonMay 10, 2012 at 10:15 am AVOID TRANSFIRST ALL COSTS!! To begin with, I was totally lied to by the sales rep. I was busy establishing my business and had an email from him stating what the terms were. Totally my fault, I agree but I was totally duped. It’s amazing all the fees that are tacked on every month. Customer service sucks, they talk in circle and interrupt often to make their point, which is always pointless. I would vote 100 negative stars. This comment refers to an earlier version of this review and may be outdated. ReplyJohn Koonz February 15, 2012 at 10:38 am When I asked my credit union for advice on how to take credit cards I was referred to Transfirst. My initial discussion with the sales rep was great. I agreed to sign on and get started asap. That was a month ago. Since then I have sent in my application, but was told I had missing information. My emails to resolve this were finally answered, but my specific questions asking for help were entirely ignored. In fact, the email read like a text message. The rep didn’t even bother to use vowels: “Nds privacy policy, terms&cond, refund/canc pol & contact info added to site, Adrs missmatch on crdt, Nd current util bill & copy of business licence.” I’m taking my business elsewhere, or I guess I should say: i tkng $ 2 othr guy This comment refers to an earlier version of this review and may be outdated. ReplyBrian January 26, 2012 at 9:57 pm Horrible. I had nothing but trouble with this company from the minute I signed the agreement. I was charged almost $400 for equipment which I never received and the sales rep knew we did not need. The sales rep talked a big talk but couldn’t walk the walk after the account was opened. I was charged for fees that were not listed in my contract. When I questioned the fees the sales rep became very defensive and was absolutely no help at all. Transfirst themselves finally cleared up the problem but it took many many phone calls and several months. This comment refers to an earlier version of this review and may be outdated. ReplyAdrienne BuskardDecember 14, 2011 at 7:11 pm My experience with Transfirst has been horrible. They have shown themselves to be totally incompetent and have erroneously de-activated my account two times – causing my company a huge headache. On top of theat, their fees are random and exorbitant. Stay away! This comment refers to an earlier version of this review and may be outdated. ReplyMark Patterson October 10, 2011 at 12:27 pm Avoid this company at all cost. They pitch a good game on how their fees are lower, and after you get started they raise them. They claim if you do not dispute the higher fees within 15 days you have no claim for voiding the contract. When I asked them to credit the annual administrative fee (paid forward) upon contract cancellation they would not do it. We call this a unethical business practice in my business, and if I did business this way, I would be out of business. Find a different processor. This comment refers to an earlier version of this review and may be outdated. ReplyChristy Bartholomew October 10, 2011 at 11:05 am I wish I had never switched to this company, they are terrible to deal with, and their sales person basically lied to me. I told him I would only switch if I could get better rates and a waiver of the PCI fee, the contract I signed even showed $0 next to the PCI fees. We are an online service and do not accept credit cards directly, so have absolutely no access to customer card info, and no need for the PCI protection. After a couple of months I noticed I was being charged this fee and other fees I did not expect, and had never had to pay with my previous provider. I called them to complain, only to be told I had to pay the fee or cancel my service at a cost of over $500! I will be making complaint through as many agencies and online rating services as I can find. THIS COMPANY CANNOT BE TRUSTED!! This comment refers to an earlier version of this review and may be outdated. Replysharon grimesSeptember 27, 2011 at 9:24 pm I applied for services and during the process Transfirst sent me an email with a contract. When you clicked the link to “begin signing” you immediately signed without seeing the contract (the contract was on the following link). Fortunately I did not even open the link because I had already found another company. About 3 weeks later, they just sent me a credit card machine, even though I never responded or sent them the information they required. The sales person on the phone said they had an “electronic signature” which I had approved on the telephone. I informed him my state did not allow telephone contracts. I then checked my email and found the contract, unopened. The company claimed they had an electronic signature, logging from my IP address. This was absolutely impossible because I never opened the email until 3 weeks after they claimed they got the signature. So my question is did some employee just hack and get my “electronic signature”? Or does the company employ such tactics. I can not imagine trusting this type of company with secure information. I am going to change my bank account to prevent them from committing more fraud. The company would never admit they did not have a legitimate electronic signature, even though they cancelled the agreement. However I have to pay the postage to return the credit card machine, which I never ordered. Surely someone like the FCC should step in and investigate this company. This comment refers to an earlier version of this review and may be outdated. Replysharon grimesSeptember 27, 2011 at 9:26 pm Giving them a rating of 1. 1 This comment refers to an earlier version of this review and may be outdated. ReplyJohn McEntire September 24, 2011 at 5:50 pm I’ve worked with several merchant processors over the last 15 years. I made a huge mistake of signing up with TransFirst. They are the absolute worst of them all. They screwed up the descriptor which caused a higher charge back ratio, and instead of addressing the problem as a business partner, they shut down the account without notice, held all the funds, and TMF’d the company. After 15 years of business, just having Transfirst as a processor for less than 6 months, they almost put me out of business. They should be sued for what they did. My advice is do not do business with Transfirst. This comment refers to an earlier version of this review and may be outdated. ReplyDr. GillezeauSeptember 16, 2011 at 1:01 pm I signed up with Transfirst in June 2011 when I opened my Chiropractic business, I spoke with [name removed] who told me that I was not entered into any contract and that there were NO monthly bills and I could leave anytime I want!! He rushed me along to sign up and oh boy was I a fool (this was my first dealing with merchant accounts)!! I had $5.00 monthly fees, $30.00 Quartely fees, a percentage minimum to reach in total sales otherwise I was charged $25.00 and I would have to pay $500 to leave before 3 years!! These people are the ABSOLUTE WORST business I have ever dealt with, they are scammers and their customer service is terrible!! Please DO NOT sign up with them!!! 1 This comment refers to an earlier version of this review and may be outdated. ReplyJean Watanabe August 15, 2011 at 11:19 am We called Transfirst and talked to a [name removed] there, I described our business in detail, (an internet cigar store based in the USA, for off shore customers) He reassured me that they did service this type of high risk account . I explained to him that we needed to get this going because we lost a good month with US bank who said the same thing and then found out last minute after we went through the entire application process ( 30 days worth) they do not cover internet cigar stores that are offshore. I explained we did not and could not waste this time again, was he sure, yes he was sure. We waited 4 days, though it was only supposed to be 2 days, no answer. I called last Friday left a message, no response. I called again late Monday morning around 11:00 am ( one week after we initially applied) He seemed surprised to hear from me, said he was out on Friday and then tried to call us back this morning to our business line and it was disconnected. This I am quite sure was a lie, our business line had no problem getting calls from other people and we are not on it much at all since we are just starting up. He then informed me ( one week had passed since we applied) that they Do NOT cover offshore customer based, internet cigar stores. Then he tried to direct me to their companie’s sister company, Durango Merchant Services here in Colorado and said more than once that they do in fact service this type of business. Well I called Durango Merchant Services and they do not… no big surprise. Once again [name removed] did not know what he was talking about. Be careful when you call these people, the customers service reps that are answering the phones really don’t know their job or what they are doing. If you have time to waste, then take a chance and apply with them, but you will most likely have to call them back. They will not call you back if you are not approved . They just don’t do that here. Now between them and US Bank we have lost 5 weeks trying to find a merchant when this could have been easily answered from the first phone call, had [name removed] known his job. 1 This comment refers to an earlier version of this review and may be outdated. ReplyMerchant Maverick AdminAugust 15, 2011 at 1:16 pm Jean, I’ve removed the sales rep’s name per my policy, but your message is still clear. Thanks for the review. This comment refers to an earlier version of this review and may be outdated. ReplyJean Watanabe August 15, 2011 at 3:12 pm that’s fine, I did not realize the customer service person’s name could not be mentioned. Thanks for fixing it. This comment refers to an earlier version of this review and may be outdated. ReplyWilliam Schmidt August 10, 2011 at 12:32 pm I have never felt so abused by a business partner. I tried on multiple occasions to terminate but the termination fees kept changing. I was finally able to get terminated and a month later they pulled additional funds from my account. When my relationship manager finally called, she spoke in circles, compounded lies and threatened me with collections. I would not recommend this processor to anyone. This comment refers to an earlier version of this review and may be outdated. ReplyKeith HaysApril 18, 2011 at 9:23 am I asked my Merchant Express rep 6 times in writing about the fees and costs involved and was never disclosed a single term before the service was activated, without any schedule or setup process disclosed or explained to me. I can’t even remember signing a contract, I certainly have no copy of one. The kicker is, I came to Merchant Express (from Bluehost where I had a 3 year term waiver) through a friend who referred me to the same rep. I was promised the same deal he got and he received a Addendum to waive 3 year terms and any early termination fees, but she did not provide a copy to me for my business. In addition she is non-respondent now in spite of still being employed by Merchant Express. So I have sent them notice of my intention to file a claim against them if they do not cancel my account without incurring an ETF fee. You should not put the burden of terms review on the customer if they were not disclosed anything even after requesting it in writing 6 times! Transfirst and Merchant Express are clearly participating in deceptive business practices and should be required to disclose terms upfront in simple language just like the credit card companies are. Until my situation is resolved, I believe this company is abusive and would not award them any stars for anything. This comment refers to an earlier version of this review and may be outdated. ReplyKeith HaysApril 20, 2011 at 3:05 pm Good news! I received a prompt call from Transfirst after sending them a very specific complaint with evidence. They waived the ETF fee. I am happy with the way I was treated and am glad they reconciled their mistakes. I would encourage anyone who is signing up for cc processing to be very careful in reviewing the terms of the agreement in their entirety, page for page. This comment refers to an earlier version of this review and may be outdated. Replysharon grimesSeptember 27, 2011 at 9:31 pm Most likely you did not sign anything. They claimed I approved with an “electronic signature”. The contract was in an email that fortunately, I never opened. And when questioned they claimed I approved and gave me my IP address. I’m sure they logged the IP address when I looked at the contract 3 weeks after they claimed I signed it. Something needs to be done about this. I see this as a form of identity theft. This comment refers to an earlier version of this review and may be outdated. ReplyTom OwenOctober 29, 2010 at 2:53 pm I have to use Tranfisrt as our processer through US merchant Services. First off all, because of changes on the way we process credit cards, I did not need 3 accounts with Transfirst. It took over 3 months to cancel both of these accounts. Also, they started charging us breach insurance on all 3 accounts. Which I was asking for a refund, because we use a Gateway and don’t need that coverage. Also they were charging us $25 per month on each account for Minimum Discount Due. These additional charges just started to show up and my Rep from US Merchant that these were not warranted. I did receive credit for the 3 months on 1 of the accounts I closed. But none so far from the others after several attempts. These guys have terrible customer service and still owe us $611.10. So I say avoid this processor art all cost. This comment refers to an earlier version of this review and may be outdated. ReplyLeave a Reply Cancel replyYour email address will not be published. Required fields are marked * Name * Email * Website Organization Name Rating Your Review Comment moderation is enabled. Your comment may take some time to appear. Please read the "User Review and Comment Policy" before posting. Reset Apply Filters Time in Business Your Credit Score500 Your Annual RevenueBorrowing AmountTerm LengthTime to FundingInterest or Factor Rate(s)Products OfferedOther FeesEase of ApplicationCustomer SupportApply FiltersFeatured iPad POS: Lightspeed We love Lightspeed POS for both restaurants and retail stores. Schedule a no-commitment demo today! Learn More Featured Easy-to-Use POS: Clover Want all your POS hardware and software in one place? Check out Clover for simple, easy-to-use small business point of sale solutions. Learn More Free Ebook The Beginner's Guide to Payment Processing - Download NowRelated Articles 21 Jun 18The 5 Best Small Business Credit Card Processing Companies For 2019Trying to choose the best credit card processing company can be overwhelming. This is especially true when you are a new small business owner who has never even heard of a "merchant account" before -- but the truth is that even seasoned CEOs can... Read 11 Dec 18The Cheapest Credit Card Processing Companies For 2019Business owners today know that it’s more important than ever to be able to accept credit cards. Customers carry less cash and rely on credit and debit cards for the majority of their purchases. If you’re an eCommerce merchant selling... Read 31 May 18The Best Online Credit Card Payment Processing CompaniesSo you're a merchant and you want to start an ecommerce business. That's great! You're going to need, at minimum, three things: Products/services (of course), a website (obviously), and an online credit card payment processing company.Not... Read 7 May 18How To Accept Credit Card Payments For Your Small BusinessWhether you’ve been in business for a while or are just starting out, you know how important it is to be able to accept credit and debit cards as payment from your customers. Credit card usage has soared over the past twenty years or so, while... Read 27 Aug 18The Best High-Risk Merchant Account ProvidersJust about everyone in business these days needs to be able to accept credit cards. Finding a reputable merchant account provider to process those credit card transactions for you can be a pretty daunting challenge for any business, but it’s... Read ShareReviews. Ratings. Comparisons. Unbiased Reviews That Save You Time and Money. Copyright © 2019 Merchant Maverick. All Rights Reserved. Sign Up For Our Newsletter Content Updates, Free Guides, and Discounts HomeAbout UsBlogTerms of UsePrivacy PolicyFind Us On:


Best App to Record Calls on a Smart Phone

BizBestBusiness Made Better Best App to Record Calls on a Smart PhoneDaniel Kehrer| Oct 31, 2012 | Comments 3 If you or your business ever need to record phone calls from an iPhone or other smart phone, filtering the options for doing so can be frustrating. Trust me.  I just did it.  But with help from my Stanford-student son, we came up with a clear winner that’s low-cost, easy to setup and use, and produced fast, high-quality results. Our BizBest 60-Second solution winner in this category is an app called “Record Phone Calls” Pro edition  (uninspiring name perhaps, but certainly descriptive) from Blue Square Group LLC($9.99 from iTunes store or other app download sites). How it WorksI started this search thinking there’d be a simple solution that would allow calls to be recorded directly on the phone for free.  No such luck. Smart phones don’t support this. They way most apps work is by establishing a third-party call to a recording service that creates a digital recording of the your call and then either emails it to you or allows you to access the audio file online. While some charge per-minute fees, this app does not. So while you pay a little more to get the app, it’s way cheaper in the long run. Records Both Outgoing and Incoming CallsWhat’s more, some apps will only let you record outgoing calls, but not incoming. With Pro, you can do both. Be careful to follow the instructions for setup.  You need to register your cell phone number, obtain a local access number (from a list of access numbers available worldwide), make that number a contact in your phone, and provide an email address so they can send you the recordings of your calls. Basically, it’s just like setting up a 3-way call — only in this case, the third-party is a service that records your conversation. You can set it up before you call someone; or place an incoming call on hold briefly while you connect to the recorder via your access number.  In all cases, it’s recommended you inform the other party the call is being recorded, both as a courtesy, and for legal purposes (not doing so is illegal in some states). Tests Worked FlawlesslyWe tested both outgoing and incoming recording, and they worked flawlessly. Audio files were emailed in less than a minute (although can take more time for longer conversations). A few frustrated buyers of this app have posted bad reviews, but from all appearances it’s simply because they didn’t follow the instructions. If you register properly, it’s really a snap. Copyright 2000-2012, BizBest Media Corp. (Follow @140Main) All Rights Reserved. Share and Enjoy:

Source: global financial news network,Welcome to reprint and share.

Relevant Contents

Some netizens have made a pointed comment,What else are you waiting for?}Come On

Must fill

Must fill

Must fill

Remember me, you don't need to re-enter your personal information next time you reply