About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.


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65 comments

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  1. Joyce Ochoa

    In the same boat as most. When I sighed up I told the person I would probably only make 1-3 transitions a month if that and at $8 a month was a bit much for me but I was hoping that now I could charge I was hoping sales would be up, so I said ok. This was on the 15th of July and I didn’t activate untill the beginning of Aug. I was charged $16 they said $8 was for internet fee, wish I would have known. I sent them 2 faxes trying to cancel my account that I haven’t used and just recieved a statement of $40.90 because of $25.00 MIN DISCOUNT what ever that is. Guess I will have to cancel my checking account so I don’t get any more charges. Sooooooo easy to get started but trying to get this monkey off my back is horrible!!!!!!!!! Wish I had read these reviews first.

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  2. claire henry

    been trying to cancel this service for months. they truly give you the run around and hide under different names and numbers.

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  3. Donald Moehling

    Wow……. I wish I would of found this before I signed up with them ….

    Not only did I experience ALL of the negatives that were described in this review, but I honestly only had 1 positive experience with them in the entire process, and that was how fast and easy it was to get signed up.

    I see now that this was also a negative, as they are quick to take your money, but they spend next to no time explaigning anything to you, and once you call with ANY questions, the only thing you will get is an operator who is less than thrilled to be speaking with you, and they repeat the same information over and over again.

    “When you signed up, you were provided with your membership agreement, and all of the details are described in there. We are sorry that you can not read, but that is not our problem. ”

    Honestly that’s how bad their customer service is.

    In the begining I was getting socked with enourmous NON-PCI compliant fees every month.

    When I called in to ask about it, they polietly described the process, and said that I could correct that by taking 15 minutes to fill out an online form. Which I did.

    The next month, I get socked the $99 fee for PCI compliance, and when I called back to ask about that, I was told it was because I had become PCI compliant in the previous month, and that they charge $99 / year to offer that service.

    What a load of horse crap.

    I have no objection to paying the fees. The process is what it is. But lets be honest about what we are selling.
    No one, and I mean NO ONE told me that it was going to cost me $99 to become compliant.

    The wierdest part of the entire process was I was getting statements and notices from companies that I had never done business with.

    I signed up with FlagShipMerchant, and they put me in touch with Authorize.net….. so who in the heck is iPay, and why are they sending me stuff?

    Too much of a shell game for me to care about.

    I’m probably most frustrated becuase I literally just got of the phone with them, and yet again, there customer support was less than helpful in assisting me in canceling my services.

    Appears you have to give them “WRITTEN” notice, and it has to be 30 days notice and from there they have ANOTHER 30 days to leave your account pending to finalize any payments that might have clearned during your 30 day cancelation period, so there goes another 2 months of fees to them.

    Ugh……

    Seriosly people, if it looks like a duck, walks like a duck, and sounds like a duck….. it’s a duck.
    They are quick to sign you up and get you approved, and once you are on the hook, it takes forever to get off of it.

    Find someone else. There HAS to be a better option out there.

    Good luck to the rest of you.
    I hope you were smart enough to find this review prior to signing up, unlike me. :(

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    5 / 5 found this review helpful.
  4. Keith Burris

    When I signed up for Flagship the guy told me there would be a $7.95 per month charge and 1.5% per transaction. At the end of the first month I got debits like $.03, $.07 and $40.35. When I called I as told this was because I was doing low volumn. It appears that they take $50.00 per month out of your swipes or out of your bank account on file. I asked to close account the first of November. After filling out the form and faxing it in they took theses charges out again. When I called he said they didn’t have the form. I emailed it to him and called to make sure he got it. I got an email notice that I was being charger the $7.95 in December. When I called he said th disregard because the account was closed. I thought ok. Well they took the $7.95 plus the other $50.00. When I called him he said it was because I didn’t get him the form in time. I took my money out of my account and closed it. They won’t get any more from me. I shouldn’t have to do this. If your thinking about using this company please think again.

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    1 / 1 found this review helpful.
  5. Al VanPliet

    I signed up with Flagship for my Limo business. My supposed rep told me I would pay 1.5% on swipes with a @5 cent charge per swipe and $7.99 a month service fee. I asked if there were any additional charges or hidden charges and he told me no. The 1st month they took out $40.90 and I called and emailed him and didnt get a response at all until I finally called and he answered the phone Brian Crook is his name and the last name fits to a tee. I told him I wasnt happy with the service I was getting and to cancel my account this was in an email even before they charged me, He sent me a form to fill out which I did and they charged the $40.90 a 2nd time. I never even used the service. They refuse to refund my money so I either have to sue them or take it on the chin.

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    1 / 1 found this review helpful.
  6. Margaret Lois Jansen

    In August I discovered that Flagship Merchant Services had set up an account in my name that was fraudulent. My business name and EIN had been stolen and combined with the SSN of an 83 year old woman. I notified them immediately and received in return copies of the application. Numerous red flags, as in the birth date was 1929 and the names for the signature and typed names were different. Over $3600 was run through this fraudulent account that I notified them about. Now they are trying to collect that money from me and have sent the account to Collections. They knew it was fraudulent because I had told them and sent them the Police Report I had made…and now, to cover their incompetence in setting up without verifying (as in a simple Google search of my name would have indicated the inconsistencies with the info on the application) , they are trying to collect from me. They knew the name on the account was fraudulently used…I have names and dates for my conversations with them and the email in which they sent me the application. Their Collection Agent from CrediSolve was rude and mocking of my response to his demand. He told me I needed a lawyer, suggesting that a legal action is coming. And, yes, I know the law provides numerous protections and remedies for such individuals as myself, and I will avail myself of everyone of them if a law suit is filed to collect these funds from an account I neither created nor authorized nor benefited from.

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    1 / 1 found this review helpful.
  7. Doug

    I recently used Flagship as a processor for a non-profit fundraising event. We wanted the ability to also accept credit cards (to also reduce the risk of bad checks), but wanted something straight-forward for our very small fundraiser.
    I contacted the sales rep, told him exactly our needs and that our “sales” are going to be relatively low and then he proceed to inform me of the monthly fee and swipe fees. then we walked me through this page of fees and mentioned on several fee sections: “don’t worry about that”; “that will not be an issue for you”, etc…

    We got signed up, and off we were selling for our fund raiser, then the first month statement came… Wow – was I kicked in the back end! Fees galore! I called those people so many times, I think I made telemarketers look bad! they were very difficult to get to see my side of the story and did not hardly budge on refunds when I was informed that I was not told about this fee, etc… Oh by the way, I informed them to active my account as of the 1st and they activated prior to the 1 of the month so I got charged a “partial-month” fee, even though I had no activity for those 3 days!

    Instead of boring you will all the details – Flagship is not a good option for very small non-profits trying to raise a few bucks and Flagship was not very supportive of our efforts. I almost feel like any sort of profits we may have gained were eaten up by fees charged by Flagship. Because they “conveniently” link to your bank account, they pull money out faster than they put money in. and it is very hard to get that money back in.

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  8. BETSY HARTSOCK

    This has to be, by far, the worse credit card processor I’ve ever had the misfortune of doing business with..
    I closed my account because the customer service person I spoke with was not totally forthcoming with all of the fees involved. In addition, I was never told there was a per month limit or per customer limit. To add insult to injury, after closing the account, my bank account was charged $291.65 for what amounted to a little over $1,100 in two credit card transactions. I think that’s a bit excessive. “Buyer beware”!

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  9. Brett Rogers

    DO NOT DO BUSINESS WITH FLAGSHIP!

    I was with them for over two years. My rep left, and then no one could look at my account because the privilege to do so was tied to him. That was a hassle whenever I had questions, and they increased their fees over time. The cost of doing business with them was simply too much.

    As a customer with lots of experience with them, I highly discourage you from doing business with them.

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  10. Chris

    DO NOT EVER USE FLAGSHIP MERCHANT SERVICES!

    We used these inept fools for almost a year and had them screw us over in multiple ways and when I finally cancelled their contract they didn’t file it, I cancelled it again and they still kept charging me. Finally after the third time they cancelled it, only to find out that the terminal they use (authorized.net) is still charging us!

    Terrible service, do not communicate with the portals and services they use, and they cannot seem to do anything right.

    Chris

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  11. Carol

    I also signed up with this company to do online sales from our online store. I was told it would be under $16 a month. Got my first statement and it was $32. It was only then that they tell me there is a minimum amount that must be met to get that pricing and if you don’t meet it it’s $25 a month with a $7 statement fee! They try to blame the customer for everything and say it’s all in the application. But their person just told be to verify all the personal info he input for me online and that is all I did. He didn’t point out any pricing on the application. I take some responsibility for being so dumb as to think someone would be truthful but they are not the company to deal with. Try and find someone else and ALWAYS READ EVERY WORD!!! No matter how they try to hurry you or talk you out of reading stuff. We will see if I get my money back in a timely manner and if they try and charge me for anything else. I am sick of lying sales people. All the things they say about them are true!
    Don’t sign up with this company!!!!

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  12. Sue Clarahan

    On June 3rd, I called in inquire about pricing. Megan Roma was my customer service rep and had me fill out some information that would make my application easier if I decided to go with Flagship. Megan was very aggressive on the phone and told me that my information would be set aside and she would call me the next day to see if I wanted to go with Flagship. I decided not to go with flagship and told her that on 6/4/2013. She faxed me a form to close an account.–an account I never gave permission to open.
    Thinking that I never had an account opened, imagine my surprise when my checking account was debited $32.95 from Flagship. I call to tell them there was a mistake and I would like to be reimbursed. After more than an hour on the phone and speaking to 4 different people, I was told I did open the account–I asked them to retrieve the phone records to see I did not give permission to open an account. I was told they could not, that Megan did not work for Flagship but worked for the company that contracted to Flagship–
    Awful, awful customer service. Would not recommend Flagship to anyone due to their deceptive practices on the phone and no path to resolution.

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  13. AZ

    Flagship Merchant Service they failed to provide service and stealing my money from card BBB compliant filled.

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  14. Rich Nelson

    I signed up with Flagship about two weeks ago. I ran two sales through them both where 2048.00, they accepted both transactions and two weeks later, NO money, where is my money, so I called my merchant rep. he, sent me to there risk dept. OK, they tell me that i failed there ID test, ??? was not even aware such a thing was done. OK, but where is my money?, they respond by telling me they have my money and i can not have it. They are going to keep it for 6 months so as to protect themselves from charge backs, ok, I understand, but this was never told me in the beginning. So now, I ask them to just cancel my account send the money back to the card holder and i will go someplace else. they say NO…hum, not there money, wont give it to the people who it belongs to.

    Cut to the end, it took three days and a couple hours on the phone to get them to give the money back to the card holder and that will take a week, then i have to use my new CC company swipe them again,,,all in all, I will get my money 4 weeks (Approx) after this whole mess started. my opinion,

    Flagship is bad news, STAY AWAY. I was lied to numerous times and the salesman, they don’t care what happens after the sale.

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    1. Gary

      Rich,

      We recently signed Flagship as our Merchant service provider. We are late model high-line car dealership and our transaction limits would obviously need to be somewhat high. Subsequently, our first transaction was $10k and was over the limit they had set. short of it… hope you could save me a step or two to get the card holder reimbursed so we can go a different route for payment. We will definitely be writing a review either positive or negative when this is over. It is just not right what flagship is doing! PLEASE ADVISE…

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    2. CBernstein

      This is very much what happened to us, after explicitly stating to the the sales rep our price points and what our limits would need to be. He (Marc Ferullo) set us up with an absurdly low limit for our business. In fact he set our monthly limit to our average single line item price! Leaving us with several transactions in the first week that were to be held for up to 6 months- except they did not inform us for days- at which point we find out about IPayment, Inc.- (WHO??? was my exact response) We were asked for paperwork so they could raise the limit, Several days later they asked for more- then we were told it was unlikely they would accept our cc processing history since we’d set this one up on a new account. At this point we felt left with no choice but to refund the clients, cancel with Flagship, I payment, etc and start over- (Back to Square)
      Suddenly they want to talk! We’ve canceled, But based on what I have read here, we have now also have filed affidavits with our bank to be sure that no additional further funds can be taken from our account- for any reason, – by any of these companies.

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      1. Rich Nelson

        After more than a month they tried to charge my bank account for services rendered, in the month of June after they had already shut us off.
        Sorry you all had the same experience, they will die with there business tactics…

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  15. Sandra

    I was very disappointed. I have been charged for two months $32.95 for a service I had not even used yet.
    Very upsetting. I have to rate them to have the account cancelled… I would never use them for anything.

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  16. C. Andrews

    We have been with Flagship for about 10 months, and are still findings ways that we feel the company misrepresented their policy toward us. (1) They sold us terminals that they said were ours and could be reprogrammed to another vendor, if we left Flagship. Apparently, not so. (2) Flagship told us that debit cards would be a much lower rate than credit cards, but that we didn’t need to enter in debit on the terminal (FD55′s), or need a PIN. Turns out, the terminals are blocked from doing debit, and most of the charges (80%) or so are in the higher tiers. (3) Statements show “Total Fees” which are not total fees. The daily amount of card sales are discounted, and the net is credited to our account.(in 3 or 4 days). Actual total fees are about triple what are shown on the statements. I would suggest looking elsewhere for a card processor.

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  17. James Nielson

    First, a correction/update: Flagship’s rating on BBB is currently a B and I suspect it will continue to drop, as they seem to have screwed over THOUSANDS of people.

    I’ll spare everyone the full details of MY 5-month ordeal with Flagship/iPayment. But… whether by error or some other motivation, they started double-billing me via my personal account as well as my business account. It took a while for ME (not them) to figure it out due to the fact that their people don’t even understand their own convoluted organization, so by the time I realized what was going on I was out $400+, and they were content to keep it. They refused to close my accounts, they fought the reversal of funds by my credit union, and have not done anything to remedy the “error”.

    Yada yada… DON’T DO IT! These complaints are from REAL people! Regardless of how well researched they are (as this one seems to be), any positive reviews you see of Flagship/iPayment are from people/organizations that have NO REAL EXPERIENCE dealing with them as a client!

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  18. Hong

    Don’t be fooled by this reviews from this site.http://merchant-account-services-review.toptenreviews.com
    Based on review, I decided to open an account AND I was told that there is $7 monthly charge(not bad). But my wife’s small business was still in the setup precess and she decided to hold off accepting CC(didn’t mind paying $7 a month because that is the contract). I noticed there was $32.90 charged from Flagship and I immediately called and their explanation was that there is another charges if you less than $1000 CC transaction a month which I have never been told. Well, I sent closure request and was told it can take up to 30 days to be closed. They received request on mid January, I’m still being charged as of Mar. 5th.
    Just stay away from this place. Do your home work. Hope you don’t go through what I had to.

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  19. Albert

    Man o man where was this blog before I signed up with flagship? Everything I’ve experienced since signing up in November of 2012 is totally true. I guess that’s what I get for a reading and believing a merchant review site created by the flagship marketing team.

    I got great service when I was signing up with Kyle Loconte ext 141 “Senior Account Representative” I explained to Kyle that I was still setting up my business bank information and I would provide updated info in a few days. Easy right?

    I sent over the information and assumed it would be taken care of and proceeded to take my first orders. Well I guess assumption IS the mother of all Eff ups they say. The second day I noticed the money was being deposited into my personal bank account because no one had ever switched the information over. This also caused the “red flag” to go off in their risk department which of course puts everything on hold.

    Another gentleman by the name of Anthony Vasquez calls me from risk and tells me to send the usual information while they run their “investigation”. The usual invoice, tracking, descriptions, etc. Long story short their review took 6 days after having escalated to corporate execute offices about the lack of anything resembling customer service. Meanwhile having to process orders under my personal bank account so I can prove to flagship that I’m actually sending the orders that I’m taking payments on. This is the really great part since I’m the one under review to make sure I’m legitimate but it’s the merchant who still takes their fees and keeps my money. The customer still gets their products, they get their fees and what do I get? Investigation time!

    I finally put an end to the madness by switching my main payments to PayPal which thank fully is a legitimate company and knows how to work with all types of business’s. My initial review with PayPal took a few hours and was setup by the afternoon. They conducted another review a few weeks in which lasted another few hours. Easy.

    I ended up setting up a merchant account with Bank of America and now use a combo of both BOA and PayPal and couldn’t be happier with the customer service I get from both companies. BOA’s rates are competitive and PayPal’s convenience and service make their fees worth while I believe.

    Unfortunately my account is still open with flagship….why? Because no one answers the phone, no one returns your emails…nothing! It’s completely insane how this company can even be allowed to operate with what they call “service”.

    If you have any value for yourself and anyone else taking credit card payments please do them a favor and do not recommend flagship.

    Run away. You can’t have this many people saying the same exact thing over and over and over if it isn’t true. Trust me.

    Rant over..

    Albert

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  20. Patricia

    NO MATTER WHAT YOU DO, DO NOT USE FLAGSHIP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Since day one, I have been lied too, taken advantage of and paid out more fees then anyone I have ever worked with. I won’t get into everything they did, there isn’t enough space. I will however share some of the worst offenses.
    1. I had 3 fraud cases. They do not call you, email you nothing digital. What they do to alert you is send you a letter in the mail! I never got the letters. Instead the way I found out was when the money was taken. I called and explained that all the fraud deals were legit on my part, meaning I had proof of sale, invoice and proof of shipment. They said they could not use that because the CC regulation states the address must match in order to not get a charge back. As I own an eCommerce site that sells NCAA products, I have a ton of parents who send their out of state kids products that they paid for. That is a lie. Paypal/Bank of America told me that every merchant makes up their own rules and as long as you showed proof of inv and shipping fraud charges were dropped regardless of mix matched shipping and billing addresses.
    2. After I called them they will place an audit on your acct, this means that they freeze your acct so no money can go thur but of course orders are still being placed. They made sure to take out their share of fees with every single new order placed and help onto my money for nearly 3 weeks…we are taking about thousands!
    3. I was sen to their fraud department who told me that in order to release my funds they pick out randomly 15 inv. they wanted me to send the contact information to. This was because they were gonna call my clients direct to make sure the CC was their CC. These orders they pick out had nothing to do with the 3 fraud ones in question. It took them all that time to contact everyone, not to mention they probably scared my clients.
    4. Today, I decided I’ve had enough (My partner went through complete hell with them too!) so I called to cnl. I was sent to 3 diff departments until i finally had to escalate to a manager. Then I was told I had to be faxed a paper to cnl and then fax it back. To my shock after this was done, they drained my holding bank account for those 3 fraud charges that are not even considered chargebacks yet, they disputed on my behalf with out asking me and now they must wait until the bank gets back them to tell them if they are true chargebacks. I was told it could take months, maybe even a yr for th ebanks to respond to them. They said if it comes back fine then they will release those funds back to me.

    I don’t know if I did a great job expressing exactly how bad this all was, and I know that I didn’t tell you guys every single thing they did to me and to my partner with his businesses. I just don’t have enough time to drawl it all out…all I hope to do is get out the word that FLAGSHIP is a bad company and they do dirty things to businesses. If I can prevent even just one person from having to go through a nightmare they put me through, i will be happy knowing I helped someone.

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  21. CHRISSY

    STAY AWAY FROM FLAGSHIP!! THEY ARE DECEPTIVE, UNHELPFUL, UNKNOWLEDGEABLE, AND TAKE ADVANTAGE OF SMALL BUSINESSES. I can’t tell you how many repeated problems I have had with this company, even right from the start. As a small business owner I feel like I have been ripped off and taken. I’ve never had a company try to slip extra fees into a contract like this one has and customer service that is the most useless I have ever seen. I switched to merchant warehouse, and I’m happier than ever.

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  22. Barry

    Worst Merchant Every……..

    After searching around for many merchant accounts i came across Flagship, and thought they would be the best fit for my business(Wrong)!

    First: The sales rep. at extension 141 sells me this dream that she is my customer service for anything i just contact her blah blah blah… it was only this way during the application process, which i was approved for then the young lady at extension 141 never answers the phone, email etc etc……

    Second: When i finally get my Welcome packet in the mail it says IPAYMENT( and i am thinking i never signed up with ipayment??? but hey at this time its worth a shot) i processed about 8,000 in one week worth of sales, and i get a call from jeana in the risk department, Long story short she says you did too much volume we are going to hold your money and not refund your customers have a good day

    NEVER USE FLAGSHIP OR IPAYMENT

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  23. John Tarrant

    I opened what was to be a very temporary account with Flagship. I never received the card reader, for which I paid $29 for shipping(!). I then spent a week trying to get them to send me the form I needed to get the account closed, which they finally did. Now a month later I have a charge of $32.95 to my checking account, for What?? I am now trying to resolve this issue. Customer service stinks!

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  24. Lindy Yarborough

    (Fees). To start they were not upfront with their charges. They state that their fees are the lowest but at the end of the month when they reconcile they take just about the same amount that was already deducted from the charges as non qualifying card charges. Then you are charged a fee from the swiper company roam data. I was also charged for two months in a row a fee that required their merchants to go to a website to do a questionnaire to become compliant.

    (Service) After receiving all the charges and fees each month I would end up calling either customer support or the sales agent to ask about charges which always resulted in being a huge run around with poor customer service. The gals at the corporate office were never helpful and simply were not interested in customer care. My sales agent responded promptly most of the time but with useless responses and would often have me call here or there and rarely took the time to research the issue for me.

    In the end they did lower the fees for me, but by that time I no longer had any faith, trust or respect for this company and cancelled their services. I would much rather pay a company a higher rate with better service and upfront fees.

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    1. Josh

      I’ve had the same issues. We signed up with them and were quoted one rate but EVERY customer had non qualifying cards. They charged us extra fees they couldn’t explain what they were. We even had a $10 processing fee for a $2 payment!
      We were charged extra fees that on the bill only said additional fees without any description of what said additional fees were for. When we chose to cancel our month to month contract we were charged for 3 additional months after the cancellation. Each month was the same story of send a copy of the signed cancellation form to such and such email and we will refund you. Well three months later they have taken over $350 in charges for an account that was closed.

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    2. Josh

      I’ve had the same issues. We signed up with them and were quoted one rate but EVERY customer had non qualifying cards. They charged us extra fees they couldn’t explain what they were. We even had a $10 processing fee for a $2 payment!
      We were charged extra fees that on the bill only said additional fees without any description of what said additional fees were for. When we chose to cancel our month to month contract we were charged for 3 additional months after the cancellation. Each month was the same story of send a copy of the signed cancellation form to such and such email and we will refund you. Well three months later they have taken over $350 in charges for an account that was closed that they even admit was closed.

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  25. angel castillo

    I just got their service a month ago and I never had more problem getting service from anyone then Flagship merchant svc. after processing transactions for the first two weeks, they held our money (under investigation) from October 10 to October 31. This guy from Flagship that promised they have the top rated credit card service, never answered my calls. I’m cancelling their service.
    Don’t recommend this company to anyone.

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  26. Jay

    Had a transaction flagged for no reason, they said monthly maximum was 2500. it is infact 5000. So they flagged a 4000 sale. I sent everything they asked for within 20 min, they verified all info and spoke with customer, said funds would be released within 2 hours. Im still waiting on week 2. not one single returned phone call yet. have been ignored and lied to every time i call. every single person who i get on the phone after 45 min is extremely rude and yells. they hang up on me when they cant give a legitimate answer or get caught lying. The lady GINA is the rudest person i have ever talked to.Every time i get her on a phone she says the funds will be released today. 14 days later im on hold again. 38 mins and counting… do not do business with this company. they keep your money and dont answer the phone, dont have a reason, lie every time, and returned ZERO phone calls in 15 days of this situation….. save yourselves…

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    1. GUY

      Hi Jay Have you considered legal action ? I have just opened an account with Flagship and Im having the same exact problem you are. My issue is now 8 days old and Im getting the feeling IM getting the run around. The money was approved as I entered the card number and transaction on my machine, I closed out the batch which was also accepted. I received a call 2 days later stating the funds are held up, as it exceeded the limit. Totally unaware of this issue when initially applying. Like you I scattered and got all the info they required to correct the problem and not a follow up phone call. I have been extremely persistent, but Im not getting anywhere with them. un anaswered call, voice mail only. My big problem is this, what legal right do they have to hold in abeyance my money or my customers money. Thats why I ask if you consulted with a lawyer. Please advise. Im ready to contact my US Senator to look into this company as I was astounded to see all the complaints that mirror mine. Please advise GUY

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      1. Ashley

        Good Luck. They told me they would not release my funds. I had to do a refund to the card holder and receive payment a different way. Created problems for myself and the customer. And mine was a government awarded contract paid by a government purchase card. You would think that would hold minimum risk. That took like 3 weeks to even get told they were not releasing funds. You never get a returned phone call. Then this month they charged me $18.00 monthly fee,$5.00 fee and $1,450 for the transaction they would run run! And I get told yesterday it will take at least a month to get a refund. And mind you I cancelled my account last month but still got the monthly charges. By the way I got told they were only $5.00 no idea where this 18 comes in

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  27. Ashley

    I am VERY dissatisfied with this service. I told them my credit card processing amount that would be average. We are a company and have higher dollar transactions. They made me sign a paper saying $10,000 ticket was my high but that I just had to call when I was processing a higher amount. SOOOO I had to process a $50,000 amount the card holder released the funds to me, but Flagship will not issue my money to me! The lady GINA in risk department must have got her pride hurt because the card holder refused to give her information about me (she did not even identify herself just as a credit card service) so they are denying my money. I have just signed up with PAYJUNCTION and used them in the past and never had any issues with them. I highly recommend to NOT USE this company! They are extremely rude and DO NOT call back. I guess in their world holding thousands of dollars is no big thing

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  28. andy

    I find that likemost cc processors deceptionis their down fall , At least one thing you can stop using this company after they pull the shanty bussiness ways of billing . the more you get paid by cc the more it will cost you and the more you get paid by amounts over 1k the more you will pay for fees and discount rate. Looking for another company already two months into the program with flagship.

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  29. Tim J Dayney

    This company sucks. I set up my account to take payment from a very important company in order to complete a job. I took payment and the funds are still being held after three days. I called the customer service and they gave me the run around for over an hour just to say “It is not our fault you were counting on funds to be available”. I though that was why I was seting up credit payment in the firs place. The only person who has any access to my account is my sales rep and they have limited availability. I feel like I have been stolen from and this has cost me a lot of un neccessary expenses.

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  30. Marlene

    What a bunch of crooks! Try canceling this service once you’ve started it! Impossible. We were shocked at all the extra charges added to our billing. So we attempted to cancel in June 2012, after one month of service. We were assured the service was canceled. Oh, but wait! We received a bill for the month of July! I immediately called Shawn, the operations manager, he once again assured me he would cancel it himself and we would have anymore charges. But, alas, today we received our statement for the month of August. Mind you we haven’t used this service since mid June. I called Roam Data, the sender of the invoice. They can’t do anything except collect money. The lovely man on the other end of the line said “not my fault” call Flagship. He transfered me. Flagship voice mail said it was after hours for them an to leave a message, which I did of course.

    My experience is that between Roam Data and Flagship they blame each other and the service doesn’t get canceled. No one takes ownership. So we continue to get billed. . WE ARE DONE!

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    1. Georgia Gaudette

      OMG!! I wish I would have read these reviews before I signed up for them! I was charged for the Roma Data and then the welcome kit came in the mail. The software was in about seven pieces so I could not use it. I called Kyle the rep that was working with me and he told me he would send another. About a week and a half went by, still nothing. I e-mailed him to ask where the software was and he said it was being processed. Okay so I wait another week and a half and get a bill from merchant services stating that they debited 32.95 out of my account. I never downloaded it nor had I even used it at all. I immediately got in touch with Kyle and told him I was no longer interested because I now have a bad taste in my mouth. He responded back that he did not even know what software I was talking about. I asked for the cancellation form which I immediately sent back. I was just charged another 32.95 this morning from there merchant service again. I’m furious!! I never even used the service once. I again called to speak to the merchant service dept. They do not refund money, and I had to fax another account closure form and still may be charged again for Nov. They are the biggest crooks!! To anyone seeking their service, I only want to say RUN NOW!!! You will be ripped off!!!

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  31. Log Lodge Motel & Cabins

    Stay away from this crocks. This is unbelievable it is Hard to explain what I faced with those crazy people since I open merchant account with them. Everything they said on the contract it is not true, first of all they are taking out of account monthly fee not $7.99 they are taking out $59.95. Than they say that they can not take their monthly fee out of my account because my account is block. Listen this it is block but they took out instead of $20.75 they took out $45.75. I spend on the phone with them almost every day, when I do batch report I can not finished because of them, I have to call them on the phone, I have to do each time some numbers in out, telephone line in out, every time something to try to finish with the batching. Customer service: Veronica, Rose, and so many others name are junk, good for nothing, they hang up on me, they don’t want to talk, they don’t have time, their time is limited, they did not send me any statement, I don’t have clue what they are deducting and taking. You must be completely out of your mind to work with this crazy people. I am going to report them everywhere.

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  32. DAN

    I’m a 15 year small business owner. We decided to take credit cards only a short time ago. Contacted Flagship Merchant services and the sales rep mislead us in all areas. As part of this arrangement we have Flagship, Authorize.net, and iPayment.net all getting money from us. It takes 72 hours for Flagship to make available a charge – even though they have already approved and had a successful settlement. So we went from paying nothing and receiving checks in 2-3 days, to paying 4% for a charge, $50.00 per month in fees, and near a week for receipt of funds in our bank. This arrangement has been the worst decision we’ve made in a long time. On the plus side, the charges do go through our website without issue.

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  33. Tom

    Flagship fees are most disconcerting and the PCI fee of $99.00 regardless of compliance status is outrageous, but this is not the biggest issue with Flagstaff. The word of customer service representatives is often ignored. You may talk to a very informed and professional representative, but don’t hang up the phone feeling that your issue(s) are solved. You must be very very vigilant of your account and persistent.

    Should you decide to close your account, good luck. Despite the 5 faxes I sent to Flagstaff, my account remained open for months and I was billed. I did mange to close my account, but 4 months after my account was closed I was assessed the PCI fee anyway.

    When dealing with Flagstaff..beware.

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  34. Roger

    Stay away from Flagship a.k.a. iPayment! They’re awful, rude and all around unprofessional. Their fees are not what they claim, it’s very difficult to get your money from them, even though the transactions are approved by authorize.net. They are a middle man between authorize.net and your money. And then when you try to close your account, hold on to your hats, folks. Awful, awful, awful.

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  35. Jule Miller

    I signed up with the promise of next day deposits. That was a lie. First of all, to get that they say takes over a month and then only if you upload by 3pm PST. After processing $7,000 from Friday and Saturday, I got $900 Monday. Such lying crap. Nathaniel Short set me up and was totally dishonest. I have not found one that is totally honest yet. Such a slimy industry.

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  36. Marie Hines

    I am extremely displeased with the services I received from this company. Flagship Merchant Services does not operate at all like the representative stated to me before my enrollment a week ago. Last Friday,when I called Customer support, I got bullied to the extreme from a representative called Joseph (Risk Department) who flat out refused to let me speak to any supervisor,when I asked to and later on in the conversation just hang up the phone on me. Today(Monday)I just found out that the above mentioned Joseph, closed my account without my permission on Friday after talking to me.He didn’t have the decency,or/and the ethic to send me an email or to call to inform me about his decision.So my business was without payment means all weekend until today. When I called him today,he was very arrogant and condescending towards me and he bullied me anew. Also he informed me that according to my contract he can close my account without stating any reason. He wouldn’t explain anything to me and threaten to hang up the phone. Furthermore he informed me that the funds of the two(2) transactions ($approximately $1700) that were made from my business through this company within that week membership, will be held up to 90 days for “security purposes”. He would not explain further. I tried to call a supervisor or/and manager without success, but was always directed back to that representative: Joseph. Today has been 2 and a half weeks and I still do not have my funds and I still did not receive no call, no emails from Flagship Merchant Services. My business has a legal umbrella along with business insurance, and I am going to look for legal counsel because of unfair practices and loss of gain. STAY AWAY FROM THIS COMPANY, as they are a bunch of scam artists that will sit on your money for ever and treat you like garbage.
    This is by far the worst customer service I ever experimented. Believe me no one show have to deal with such rude, disrespectful, dishonest people.

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  37. Marg

    When Flagship Merchant Services was unable to properly deliver my credit card terminal I declined to do busines with them. I was told all my monies would promptly be refunded. A month later not only had they not refunded my money they gave out my bank account information to others who had for months been taking money from our bank account. When I contacted them (IPayment, Thousand Oaks, CA) they just told me lie after lie. The best part was when they told me all this was my fault. I was supposed to just know that Flagship had given my bank account information to others. Do NOT do business with them. Any business the would not refund monies properly as promised and then give out your bank account information is not on the up and up.

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    1. Andy

      Flagshpi does not give bank account/personal info out, Flagship is the sales office and ipayment is the processor….it’s all one company.

      Just like Apply is your iphone and AT&T or verizon is your service.

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  38. Natalia

    The service at Flagship is terrible. The first time I phoned Flagship to discuss my statement the agent hung up on me. The second time I phoned Flagship to discuss my statement the agent transferred my call to a phone sex line (seriously). On both occasions I filed a complaint with supervisors and was told that they would follow up. Unfortunately no one followed up and I do not know if the agents were ever reprimanded. I hope that Flagship implements better training for and screening of its agents. At the very least agents should be polite to the people who help make their jobs possible.

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  39. chris

    HORRIBLE HORRIBLE COMPANY!!! THEY ARE CROOKS!! I closed my acct December and they are still charging me fees and withdrawing funds out of my account. FILE a fruad claim with your bank. This will not allow them to withdraw funds anymore you can also close your acct if need be but like me I cannot. I will be seeking legal council if I have to if they dont stop. I now use Merchant warehouse and are happy with them. I document EVER conversation, fax and email too. Funny how the employees dont give their last name. When you ask for a manager one is not avaliable. How conveinent.

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    1. Never use Flagship

      Exact same experience with HORRIBLE HORRIBLE HORRIBLE HORRIBLE company. I started my account but my business was not ready. Requested at same month and after changed me two months my account still not get closed. I hadn’t have any activity with them and got charged more than $70. Everyone answered your question with a different answers. yWhen you request close your account, you need to at least pay two more months monthly charge.
      Service man is HORRIBLE ,HORRIBLE , I will go to BBB to get my refund back.

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  40. Madison Jones

    I just signed up with this company and processed my first transaction on Jan 21, I am STILL waiting for my funds. I was supposed to have a high ticket of 1k, but apparently to get my approved quickly Will Teleau just wrote it up for $500. So when I processed my first trasaction of $700 I got a call 2 days later asking me to complete a limit increase which I faxed over 5 minutes later. Mid week, still no funds so I call and speak to Rose in Risk Management thats supposedly handling it, she claims I was asked to fax in the invoice for the transaction, I was NOT asked that and she bascially called me a liar. So I faxed that over to her within 5 minutes and she said she would be right on it. The next week, still no funds. I call on Wed and she claims she just looked at it Tues and then wanted to go over the name on the invoice. At this point I am mad, as its now 1/31…She says its her problem because she is overworked… REALLY?! I think its MY problem because its MY money they are holding! Its no 2/3 and still NO money!! No calls back from messages left for supervisors, my account manager, or anyone. Absolutely horrible service. I highly recommend going elsewhere for your credit card processing services!

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  41. Pam

    THis company has ruined my bisness. THey deposited funds into my account int he first month. That was the last deposit.

    Every month that we made money their fees went up – it totaled about 75% or more of what ever we were making. WHen we made $29, they charge $25. When we made $140 they charge $110.

    It went on h like this for months… I have beenrtying to cancel since APRIL (it is now December) and they refuse to send me any money….. the little bit htat was left over they still kept. I had to close down credit card processing on my site.

    These people LIE and STEAL.
    SHAME on them!

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  42. ANNETTE MCGILVRAY

    Stay away from this company they will rip you off. We opened an account with them in Nov. 2010 and have been trying to close it since May of 2011. Once you are set up with them they will start nickel and dimeing you to death. It starts with hidden fees then the pci compliance it goes on and on. Once the customer service realizes your on to them they get really nasty. It is Nov. of 2011 and I’m still trying to get credits for my Authorize.net portion that Flagship never canceled.

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  43. Mary Pacheco

    I had them for over a year. I went ahead and paid the $47 a month fee for a while because I didn’t want to lose my credit card paying clientele. When I became ill and could not work for a few months, I decided to cancel. They would not cancel. I kept getting the run-around, and even was told that they had no record of me ever trying to cancel. Then they started calling me and sending me emails about PCI-Compliance. For over a year I had no problems with them and they said nothing about this PCI Compliance. Now I’m receiving bills for over $500, and they are STILL refusing to close my account. Finally, I had to close my bank account. Somehow they were still able to charge this closed account, and now I’m in collections with this bank. This is just horrible! Especially since I was sick and really did not feel like dealing with this in the first place. I still have not been able to get them to close the account. If anyone has information on how to get them to close this account, I would really appreciate that information.

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    1. Phillip Parker

      Hi Mary,

      Sounds like a nightmare. You might want to check out this post: How to Report Bad Credit Card Processors

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      1. James N

        To you, and anyone else in this situation, ask your bank or credit union to help you! My credit union immediately changed my account numbers so that there was nothing for Flagship/iPayment to bill anymore. We were unsuccessful in reversing the $400+ in charges they overbilled me, but at least I had some satisfaction. And once you take care of yourself, PLEASE see it as your duty to MAKE THEIR REPUTATION WHAT IT OUGHT TO BE!

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  44. Herschel Everett

    I am reporting about Flagship Merchant Services/ Authorize.net. They will charge you till the cows come home. We canceled our their service on September 7th due to the August fees, but they continued to keep our account active till the 20th of September to bill us more. They told us that the cut-off time for canceling service is the 5th. Here is the run down on the charges.

    ARB FEE $10.00
    GATEWAY$9.00
    FRAUD $9.95 September pre-charges

    ARB FEE $10.00
    PRORATED GATEWAY $9.00
    PRORATED FRAUD $9.95
    SUB TOTAL $46.24 August charges

    GRAND TOTAL
    FOR AUGUST
    PLUS PRE-PAID FOR SEPTEMBER $46.24

    So we closed our account as of September 7th but they continue to keep our account active till the 20th of September.

    Billed us for services we didn’t use

    Authorized.net charges $10.05

    Flagship Merchant services $3.35

    Total for October $13.40

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  45. Adam

    This company are thieves. They were suppossed to switch my service with Authorize.Net. They never did. Not one transaction went through them and they are refusing to refund my money. They ignored my requests to cancel the service. When I finally did they said I was too late. They are unbelievable.

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    1. Larry little

      I went through authorize.net. They cancelled my $16 monthly hidden access fee with a direct phone call. Flagship will not cancel the account, because they never get my fax closure form– say only half of it came through. I am cancelling because they did not tell me about the$16 a month fee, they now want to reduce to $3. They are a rip off for the merchant. STAY away—-

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  46. Michael B

    This company is now called FrontStream Payments. Bad Business tatics, be careful.

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    1. Phillip Parker

      Hi Michael, thanks for the information. Can you tell me where you heard that Flagship Merchant Services is now called FrontStream Payments? I would like to verify it for the next update of the review. Flagship has a separate website from FrontStream and I have never seen anything that says the two companies are affiliated with eachother.

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  47. Thresa

    I dislike their $99 fee (they didn’t tell at first) for annual compliance fee, plus $19.95 additional fee if you are not pci-compliance, means you don’t pass the security questionaire. I am relieved to switch to Chase payment tech now since the salesman ( the one I got) is super nice. They offer lower rates and no pci fee.

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  48. RON

    wow what crooks. I have had them for 4 months and i finally had time to look at my statement and i am shocked. they might charge 2% on total transaction but their fees will kill you. I have 35 in discount and 77dollars in fees like, bathch fees, customer service fees, gateway fees, and other crazy fees.

    CROOKS CROOKS CROOKS, will be canceling with them with in the week once i have setup other merchant accounts.

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    1. Ron

      We too have been a victim by Flagship Merchant Services unlawful practices. But since our business has an insurance umbrella that includes legal counsel, we contacted an attorney and got immediately our money that was held under false pretense.
      This is what we found out:

      Flagship Merchant Services work for a company called iPayment,Inc ( http://www.ipaymentinc.com/ )

      Ipayment,Inc (not Flagship Merchant Services) is in fact the company that is registered respectively with Visa, MasterCard and the sponsoring Member Bank (in this case Wells Fargo Bank, NA 1200 Montego Bay, Walnut Creek, CA) and that is charged with the duty of acquiring merchant contracts and supporting them on behalf of said sponsoring bank & credit cards companies

      Flagship Merchant Services work is to recruit small business merchants online or else for Ipayment,Inc

      When a small business owner signs a Flagship Merchant account agreement/contract it is NOT AT ALL with Flagship Merchant Services, it is just a binding contact giving the company iPayment,Inc ( http://www.ipaymentinc.com/ ) ALL TYPES of legal right to basically do whatever with your money, including unlawful fees & money withholding.( Please read the fine print of the bottom of page 2 of your contract, as well as page 3 -you will be amazed_)

      Also, looked over your Flagship Merchant Services application/contract today, you will notice that said Merchant application/contract has not been signed either by:

      a)- any representative from Flagship

      AND

      b)- any representative from Ipayment,Inc

      which in fact makes that application/contract incorrect, unlawful and voidable.

      The contract company Flagship have violated a state’s consumer protection laws by not having specifics in writing (role of Flagship and role of Ipayment) and by not giving you a document that is dutifully signed , among other things. Depending on how the offered merchant services was “sold” to you, Flagship may have had to give you a notice of Ipayment right to cancel your merchant account processor.

      Flagship Merchant Services as well as Ipayment,Inc are guilty of unfair and deceptive acts & practices (UDAP) but they are very careful in choosing small businesses with small merchants that are not able to legally defend themselves, whether it is because of lack of knowledge or/and lack of money for legal battles.

      If you have been victim from Flagship Merchant Services and consequently Ipayment,Inc, I will advise you to do the following:

      - Locate and hire a Consumer Law Attorney if you can afford it

      - email all your supporting documents (email addresses provided), for the transaction(s) made by your business, through Flagship Merchant Account Services, whose funds are withheld.

      Here below is a link for all available Ipayment,Inc emails addresses & telephone numbers;
      http://www.ipaymentinc.com/contact/index.html

      Contact SPECIFICALLY t those four (4) top executives at Ipayment, inc listed below:

      Carl Grimstad: President and Chief Executive Officer, Chairman (private phone: [redacted])

      Philip J. Ragona: Senior Vice President and General Counsel

      Mark Monaco: Chief Financial Officer, Director Tel: 615-665-1858, ext 115

      Robert Torino: Executive Vice President and Chief Operating Officer

      Hope this advice will help you.

      Good Luck!

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      2 / 2 found this review helpful.
  49. David Duren

    Great points and a message that’s very consistent with what you hear on the phone from these providers. Thanks for helping us avoid bad regrettable decisions.

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  50. Jamie Iomo

    Good Afternoon

    Just wanted to show my appreciation for your time and hard work

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