iPayment Overall Rating
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iPayment Overview
iPayment Logo
iPayment (ipaymentinc.com) is a direct credit card processor that boasts that it provides merchant accounts to approximately 145,000 small businesses nationwide. Founded in 2006, the company is headquartered in Nashville, TN but maintains its main operations center in Los Angeles, CA. iPayment is sponsored by Wells Fargo of Walnut Creek, CA as its Acquiring Bank.
Besides processing credit and debit cards, iPayment offers a wide variety of electronic payment processing services including gift and loyalty card programs, fuel services, paper and electronic check processing, merchant cash advances and ecommerce acceptance methods.
iPayment Sales & Marketing Tactics | C
While iPayment is an actual credit card processor, it relies heavily upon third-party independent sales organizations (ISOs) and independently contracted agents to bring in new customers. This is a common practice among large processors and often results in merchant complaints because the sales tactics of the ISOs and agents are very hard to control. It appears that iPayment is suffering from the usual complaints regarding this strategy, which negatively affects its rating in this section.
iPayment does not appear to directly utilize any deceptive marketing or rate quoting tactics; however, some of its ISOs and agents appear to be doing so. Merchants are encouraged to research any company offering iPayment merchant accounts before signing up.
iPayment Fees, Costs & Contract Terms | C-
Pricing and contract terms of an iPayment merchant account can vary based on several factors including a merchant’s business type, processing volume and the agent or ISO setting up the account. Under most circumstances it looks like the standard contracts have service agreements of 36 months with early termination fees that range from $300 to $500. Depending on the ISO or agent, the terms of an iPayment merchant account contract are likely to be very negotiable. Be sure to read “Fee Sweep” before engaging any merchant account provider in contract negotiation.
iPayment Complaints & Service | D
iPayment has a moderate-to-high number of complaints filed online, many of which can be found in the comment section below. There are two types of complaints that dominate the reports; In the first type, the obvious sources of the merchants’ problems originate with the agents or ISOs that set up the accounts. In these complaints the common theme among merchants are reports of hidden fees, high monthly fees, non-disclosure of the service length agreement/cancellation fees, and high PCI Compliance fees. In the second type, iPayment is the source of the complaints and merchants report receiving poor service and unprofessional customer support.
Since it is our philosophy that the actual credit card processor is ultimately responsible for the agents and ISOs which represent it, we are awarding iPayment a low rating in this section.
iPayment BBB Report | N/A
As of this update, iPayment still does not have a full report or rating with the Better Business Bureau (BBB). Since it has been over 12 months since our last update we suspect that there might be some “behind the scenes” dealings going on between the companies which would keep a potentially poor rating from showing; however, there is no direct evidence to support this belief.
Bottom Line
iPayment is suffering from numerous complaints mostly due to its marketing strategy of hiring independent agents and partnering with ISOs. The company can improve its rating by significantly reducing its future complaint count, and improving its pricing and contract policies so that merchants cannot be set up in expensive long-term contracts.
Leave your review of iPayment in the comment section below.
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70 comments
Myron Fonseca
May 15, 2012 at 8:09 am (UTC -7)
Horrible company to do business with. Held nearly $30K in deposits for months and never once contacted me to notify me of the hold. Business started to increase and they were NO HELP AT ALL. According to the account online the deposits were made to my account.. They could NEVER give me a breakdown of what was deposited and what was held or even any reason whatsoever on why there was a hold in the first place. After requesting several times for a statement of what was on hold and what was deposited they gave me a mickey mouse report stating the same incorrect information as shown in the account online. here we are 6 Months after the hold and still no explanation or statement. there is still more than 12K outstanding that I have NO CLUE when i will receive.
wassim zbib
May 14, 2012 at 6:25 pm (UTC -7)
dont ever thinking of using i payment , THEY ARE A PUNCH OF CROOKS , and thieves , thats how they do their business , by fooling consumers ,, i called consumer affair and im filing a suit against them ,its my first month , they didnt even gave me any service yet , im still using my old credit card processing terminal and company , and they charged me a monthly fee , and when i called they said in a very cold blood , you want to cancell the three years contract (which is i didnt see but they said its their on the papers i signed ,, so i have to pay a 300 dollars termination fee because they fool me ,they set up the trap and i fell in it ,, thats what it is ,, and the funny part that they dont know the people that opened this account , its my responsibility to contact the crooks that walked in to my store and gave me a fake contact number ,,
Jared
May 5, 2012 at 2:34 pm (UTC -7)
My experiences with iPayment has been an absolute nightmare.
No business should consider establishing merchant services with them.
I plan on taking legal action against, them, and think that a class action suit is a realistic possibility.
Dana
May 7, 2012 at 1:41 pm (UTC -7)
I cancelled my I-Payment merchant account in November 2011 because of too many non disclosed fees. Finding out how to cancel was not easy. After months of no longer having an account with them, I discovered that they deducted $129.00 from my checking account in April. I’m furious. I don’t know how to initiate a class action lawsuit on my own, but someone please count me in.
Kent
May 11, 2012 at 7:48 pm (UTC -7)
Consider yourself lucky, Dana. My checking account has been charged a $350 cancellation fee, even though I never completed the sign-up process.
Please please please… run from this sham of a corporation. You’ll spend hours fighting these ignoramuses to get your money back. Luckily, my bank was able to reverse the charge, but only because I caught the scam the day iPayment tried to process the cancelllation fee.
I’ve been using PayPal for months and have been very happy. Their fees are a bit higher, but at least they know how to run a credit card processing business for small companies.
Chuck
April 13, 2012 at 5:18 pm (UTC -7)
Just sitting here contemplating, after reading all these complaints and seeing how they are all similar, what action ‘we’ as a group could or should take. A rough estimate of what they cost me in a span of 20 months is close to $3,000 and that made the shoestring budget for my shop more like a fine thread one. If anyone has any ideas or recommendations I would appreciate the input and would be willing to entertain the idea of a class-action or a group letter to the powers that be in D.C.
Marg
April 12, 2012 at 11:31 am (UTC -7)
In March I signed up with a company called Flagship Merchant Services, when they were not able to deliver a terminal I did not go through with opening an account. Flagship told me they would refund me the terminal fee and I thought great I will move on to another company that can deliver what they promise. I now find out that since February, (how they mananged to go backwards I don’t know) a company called IPayment has been taking money from our bank account. Flaships gave my bank account information to IPayment. I phones to find out what this was about and Michelle was unable to help me so she transferd me to manager John. Both of them told me lie after lie and then told me it was my fault. I should have known that Flagship gave out our bank accout information to others. How was I supposed to know this? Now that I am reading all these comments I am glad I did not complete this transaction with either of these companies. Now I just gottat figure out how to get both to stop taking money and return all of our money to our account. Any ideas?
Jaya
April 6, 2012 at 6:07 pm (UTC -7)
I agree. Stay away from Ipayment. I used to be with them and they take every opportunity to charge you extra by small amounts so that you don’t notice. In addition they go out of their way to make sure you don’t have any information about PCI compliance so they can change you a an extra fee. They are working against everything that credit card security procedure are trying to accomplish.
They also have very poor customer service. If you have a complaint they don’t want to hear it.
Allan Sutton
April 3, 2012 at 5:25 am (UTC -7)
Avoid this company at all costs. During my first year with them, they once refused to transfer an entire month worth’s of funds my bank account until I faxed them phone numbers for all of those orders (all of which were fine — not a single chargeback or declined card; in fact my company has had only had two chargebacks in the past seven years). Once that was done, it still took them several weeks to transfer the funds. There were no more problems for a few years after that, but then the hidden fees began to rise until by last year they were taking around 9% of my total sales between various fees and transaction charges. In addition, they began declining orders from some solid, long-standing foreign customers whose cards were perfectly good. I finally dropped I-Payment, but it took the threat of legal action to even get through to a real person to close the account. And today, a full year after I closed the account, I see they’ve just withdrawn $129 from my bank account for a “PCI compliance fee,” which I’m turning over to my attorney. (By the way, I’ve since switched to PayPal, which has been superb). This company is a very bad player, and has been for many years. Anyone know if a civil suit is pending (or want to start one)?
osman dayanc
April 3, 2012 at 6:49 pm (UTC -7)
Hey
I have the same problem with Ipayment and I really think of suing them. we need a class action against ipayment.
Chuck
April 13, 2012 at 4:48 pm (UTC -7)
Allan I got the same $129 dollar PCI Compliance fee at the first of this month and I closed out the account with I-Payments last December. Since I had no clue what it was for I called and was told it was the compliance fee for the previous 12 months and that it was in my contract. I had already checked my statements from last year to see if I had missed being charged a compliance fee for 2010 and I hadn’t. When I asked them why I was getting charged now and hadn’t then, the supervisor simply said “Well that’s a good thing for you”. It went right through me and I said the BS word and got hung up on. I have the same familiar story of the representative not disclosing any of the hidden costs. When those started creeping up, I called and got a total run-around with no explanations. Closing the account was a circus. It took about four weeks of calling and emailing to get in touch with someone that was semi-honest on how to do it. When I told her I wasn’t the least bit impressed with the company due to the way they kept raising or adding on fees , she told me that they have a lot of people close due to that. Hidden in the contract somewhere, is some clause about all the extraneous fees and she told me if they showed up you could cancel whatever service it was you were being charged for, all non-essentials. The biggest problem I had was when I did call to inquire about them, I was misled and got to take a nice ride on the pervibial ‘buck’ as it was getting passed around. This is only the second provider I have dealt with and I thought the first was a bit shady, but compared to I-Payments, they seem like a great company.
Lewis
April 17, 2012 at 10:45 am (UTC -7)
Same issue here. My wife had a merchant account through First National Processing but closed it last summer to go with PayPal. Early this month we got that $129 “PCI Compliance” charge from iPayment–which is a company that we never actually dealt with directly (everything went through 1NP). I called 1NP and the somewhat harassed-sounding guy on the phone said “about 50″ other people had called and complained about the same thing and that he would put in a request to get our money refunded.
Mike Weldon
April 2, 2012 at 11:41 am (UTC -7)
I signed up with I-payment through my web hosting service Xeran. I was told that I would be charged a monthly fee of 20.00 and the ussual percentage for transactions. Even though my ussual transactions are $3000-5000 they limited me to $1500 which essentially made my processing useless and allowed them to collect monthly fees that increased to 60-80 dollars a month for nothing. Then when I cancelled I got charged $129.00 again for nothing. I am using Paypal now with no problems and no fees if I do not process!
Thereout to be a law! and yes we need to go to cash only like the good ole days.
holly
March 29, 2012 at 11:43 am (UTC -7)
Don’t use this company. They are holding 2100 of money from my business and then this morning took 2800 out of my bank account won’t return my calls and will not return emails don’t use anything that has I payments name on it
Mary
March 23, 2012 at 10:15 am (UTC -7)
Horrible horrible people. They are playing tough with our money. Everybody should stop excepting credit cards so they can be out of jobs. Who are they to hold our money. We make them our partners they go in to our accounts and they control our hard working money while they are rude and hang up the phone on us!! Stop accepting credit cards. They are holding 6000 dollars of mine and try to get explanation they play know it all they are rude and hang up the phone.
Matthew Andrews
March 6, 2012 at 1:17 pm (UTC -7)
Bad news! stay away from these scam artists. They will withdraw from you’re account without telling you for charges you never knew about! bad!
Don
February 17, 2012 at 2:07 pm (UTC -7)
Good luck on doing your due diligence on I-Payments. The service was marketed by Merchant Services Direct seeing an opportunity as banks were closing our or moving merchants to new accounts due to PCI requirements. After 3 months, I am just discovering who I am doing business with….. – I-Payments. Summary and above comments are unfortunately on target. Their “Risk Department” has locked up over $5400 until they can verify with the client..
Even though the nature of our transactions, over $4000 per transaction, was discussed with the Merchant Services Direct sales agent, I am discovering we have a “$900 high ticket limit”. The agent also would not leave a copy of the set up agreement. I am expecting the worst as outlined above. Anyone got an attorney on this? I may need to join up.
Holly
March 29, 2012 at 5:41 pm (UTC -7)
did you ever get this resolved if you ddid maybe you have some advice or anyone for that matter have any advice?
Dou Wade
February 15, 2012 at 4:26 pm (UTC -7)
Do not get nowhere near this company because regrets will follow. It has numerous hidden fees, nebulous statement and high cancellation fees. On top of all it is not easy to get it off your bank account. It is just a scam. It doesn’t deserve to be in business. We all have to fight until it simply disappears.
kevin
February 14, 2012 at 8:00 am (UTC -7)
I got a statement with fees from this company for my company. I have never used this company before. It looks totally scam. If this company can do this to anyone, you could be the next victim. be very careful !
Dianne Bey
March 5, 2012 at 12:42 pm (UTC -7)
I had the same thing happen. I opened up a webpage with IPAGE. It was impossible to finalize my website without filling out a window with ipayment.inc…perhaps. Not sure. But I got an email the next day. They had my personal info and pretended to be ipage and asked how much sales volume I would have.. I had already been told by ipage I would be charged $54 for the year, no more. Six months later $404 have been taken out of my bank account from ipaymentinc…which is different from Ipayment merchant services??? Noone will take responsiblity. when I reported fraud to Wells Fargo, ipayment inc fabricated a false application with my signature..not sure where they got it… ipayment claims they used to be affiliated with ipage and are no longer…though Ipage has an ipayment icon on their services…not thrilled about being ripped off. I have voice recordings from ipage and ipayment that contradict each other…apparently I have no booking… I have never sold anything nor have had anything for sale….no credit card services.. They took out $5 then, $30, then $35 then $79.90 every month without my knowledge for services I didn’t use. I’m furious!!!!!!!!!!!!!
Dianne Bey
March 5, 2012 at 12:49 pm (UTC -7)
Curious…Did they tell you that they had your application? They fabricated an application in my name with my signature after I signed up with Ipage…They got my personal info…I was ripped off $404…for services I didn’t need or use…a total scam…
Jason G
February 10, 2012 at 7:40 am (UTC -7)
Worst customer service I have ever experienced in 7 years of business.
Will not release funds although I have a perfect track record for 7 years of business.
Never return phone calls. (no exaggeration)
I truly regret the day I made the switch to this company and cannot leave fast enough.
Remember, value is not always in the price and this company will end up costing you money.
Steve
February 8, 2012 at 10:00 pm (UTC -7)
Congratulations on looking up reviews of this company before you sign your life away. Now go do the reasonable and smart thing and find another solution for your merchant processing needs. Find any other solution. These people are the worst most dishonest and dishonorable people I’ve ever dealt with in the money business, which as you already know is full of dishonorable people. iPayment with their “ISO” amount to classic bait & switch con artists. They’ll tell you something that almost sounds too good to be true to get you to sign up and then they’ll hit you with reality and it ain’t pretty. We’ve paid an outrageous amount of money in fees. We were better off using PayPal to process credit cards. Run. Run for your life.
Jim Jones
February 6, 2012 at 3:03 pm (UTC -7)
Wow!
I should have stumbled onto this website before I signed up.
I agree with all of the “overcharging” remarks left on this forum.
I agreed to a flat monthly charge and the discount fees associated with each transaction. I got charged a PCI Non-compliance fee $24.95, a fee that indicated I needed to update my information ($19.95), even though I was unaware I needed to verify my information. A surcharge fee… the list goes on.
All these charges are conveniently “Masked” under the “MTOT” line item on my bank statement.
I guess contracts don’t mean anything when dealing with this company… it’s just a Buyer Beware type thing.
Brenda Day
February 4, 2012 at 12:55 am (UTC -7)
I was severely disenchanted with IPyment.. Yes, they misrepresented costsn and their front line Customer Service is laughable. The one page signed agreement said nothing about a “PCI compliance fee”. In fact, it was a very straight forward agreement that show “….no other yearly fees applicable..”. Yet, within 1 month I was billed for an egregious amount and I spent 1.75 hours on the phone “attempting” to reach IPayment’s customer service (the same phone number I was told to use if I had a customer present and I needed IPayments assistance with merchant charges). What retail customer is going to stand around for that length of time while IPayment has their finger up their nose. Only to finally reach a representative who parroted some nonsensical policy statements repeatedly and then got rude with me. The rest of the day was spent communicating between a Cynergy Data Customer Service Manager and a manager at IPayment.. Both managers seemed efficient, knowledgeable and service oriented. I was assured that they would take off a considerable portion of the “hidden fee” if I was willing to give them another try. I was satisfied with the compromise but still leery of this enterprise. So, I was able to get the IPayment manager to agree to waive the $300 cancellation fee IF I again experienced any questionable practices within the next 3 months. You know the end to this song. I cancelled via email and phone call within 14 days. However, IPayment has continued to charged me $10 a month for Service Fee (Bahahahahaha). They do not know what service is and I have NEVER used their service. Additionally, I have yet to receive Any response from either company, And just to kick sand in my face? I saw an additional, nonsensical $25 fee (apparently for the hell of it), IPayment debit from my bank account today! I am beside myself with frustration and aggrevation! At this juncture I believe they owe me $145. That could be used to pay my auto insurance this month. Oh how I dream getting a letter in the mail someday that says a Class Action suit filed against IPayment and it’s affiliates. They are ripping off the little guys and we are left powerless to do a damn thing!
Jim Jones
February 7, 2012 at 10:26 am (UTC -7)
Was overcharged $250 by years end.
Buyer beware… contracts don’t mean anything with this company.
ipayment Contact Information Primary Contact: Mr. Carl Grimstad (President)Complaint Contact: Mr. Dante Croupe (Dir of Risk Mgmt)Mr. Afshin Yazdian (EVP & General Counsel)Mr. Marcus Smith (Sr Dir of Operations)
Holly
March 29, 2012 at 5:43 pm (UTC -7)
Did you happen to get anywhere contacting the people that you listed?
LS
February 3, 2012 at 12:05 pm (UTC -7)
All of you researching about going with IPayment, do not go with them. I stumbled across this site researching about iPayment. I have been with them for a little over a year and my monthly fees have been consistently going up and up and up. The web is obviously loaded with complaints about this company and for good reason. I have had the same experience as many of you here , fees not at all what I signed up for and each month more and more comes out of my bank account. I have a small business and have been so fed up with them…I can’t afford all their undisclosed fees.
I have contacted them over and over about the why my fees are so high, not what I signed up for, etc. to which they reply back with a copy & paste response about PCI compliance, various discount fees associated with different credit cards, blah blah blah. (literally everytime I have contacted them, I get the same exact response back). Even when I contacted them as to why when I refund a customer’s credit card for a transaction it actually costs me more than what the customer was charged. Is that even legal?
In addition, you need to be a financial guru to figure out their monthly statement and where the money is really going between what actually gets deposited into your bank account, then ultimately deducted by them. My merchant service provider who I signed up with (paybyweb) said the PCI compliance fee would be waived if I could present them with the compliance certificate, which I did, guess what, fee not waived.
All of you who have posted here unfortunately know the drill. We have all been taken by this company. I own a small business and can’t afford what they are doing so I have been searching around trying to find out the real bottom line of who actually is the processor with different merchant accounts. It is like searching for a needle in a haystack. You don’t know who the processor is until your account gets approved by the merchant service provider, then its too late. Just spoke with Flagship and found out their processors are iPayment and First Data. It seems that no matter what Merchant account you go with, iPayment or First Data will be the processor and you will end up with more fees than disclosed. If anyone knows of any better merchant service provider, please post it. There should be a class action lawsuit against iPayment.
Chris
January 25, 2012 at 11:14 am (UTC -7)
Absolutely the worst merchant we have ever signed up with. We are cancelling our account having only been with them 2 weeks. They are complete liars and their risk department will find something wrong with your transaction, tell you you have broken your contract and withhold your funds… BY ALL MEANS STEER CLEAR OF THIS COMPANY!
Jill Rodriguez
January 10, 2012 at 1:08 pm (UTC -7)
April, apparently the only person in the Activation Department asked me if I had anymore questions. When I asked if she could walk me through how many steps I needed to complete before I was able to collect payments online, she screamed,
“I feel like we’re going around in circles!” Then she interrupted me when I tried to ask any other question ultimately hanging up in frustration.
I have never had a worse customer service experience.
Tyler
January 6, 2012 at 10:28 pm (UTC -7)
I-payment is responsible for the worst business relationship I have ever had in 20+ years. Here are a few of my top complaints with these thieves;
> I had recieved a payment of $7K from a long time customer, I-payment requested all of my bank records, personal information and such, (this came in multiple request over three weeks) Finally they decided to not transfer the money to my acount, after three weeks! They told me to refund the money to my customer and thay I should request a check. They withdrew almost $300 from my account with out notice for processing fees! I called customer service and they could care less, and this was after multiple dropped calls and three days of trying to even get someone on the line.
> I have 0 charge backs, and my whole sale customer has a 4 year relationship with me with four to three simular transactions per year.
> hidden fee’s- the standard fee structure for I-payment is approximately $100 per month for not even running one transaction. here is what was explained to me
- PCI non compliant fee $30
- Statement fee $10
- Tax ID # $14.95
- Account FEE 4.95
- on line statement access $ 14.99
- minimum account fee $25
> I was told over and over that there wasn’t a contract and it was a month to month. WELL not so much,,,,,, now to cancel, they will charge me $500. This can be taken from my account at will since I provided them a routing #.
> I tried to dispute this with my bank and they said I had a contract with them, and all fees are legal. They also told me that this is really common and legally they can’t help. Though it was understood that I-payment are complete thieves.
> My average fees from I-payment per month are approximately 19.5%. ( this isn’t counting my $7K experience.
I hope this company gets what is coming to them.
Extremely angry !
Tyler Andersen
Eric Sams
January 4, 2012 at 1:39 pm (UTC -7)
iPayment ripped me off for $558. I never used the service nor had a sale. They just kept charging my account anywhere from $45 to $179.90 even though I never made a sale or used it. When asked about the fees, they just made up a bunch of B.S. How are they charging extra fees on an account that is paying. They are a complete fraud and stay clear from them. They have had over 222 complaints made to the BBB. Please file a complaint now!
dennis
December 12, 2011 at 8:25 am (UTC -7)
I signed up a merchant account with Flagship and their payment processor is iPayment. Flagship will do anything for you to get you signed up. Once you are signed up, you are on your own. I have to jump thru hoops to close the account with Flagship & iPayment.
Here is my experience – When I first signed up, I didn’t have the bank account info with me, and the Flagship rep said it is ok, just give me the account info later on. He entered a phantom bank account number to get me signed up. I send over a voided check to him later on to confirm the bank account number. 2 months later, I got a “return fee” charge from iPayment because their monthly charge was not going thru my bank. Come to find out the Flagship sales rep gave iPayment the wrong bank account number. Long story short, I called iPayment, they asked me to get with Flagship. I called Flagship sales rep, he asked me to talk to iPayment. I wasted so much time resolving an issue that was not caused by me. Come to closing of account, I called iPayment, they said I have to fax the request in to close the account. I faxed in the request. They said they never got it. I am emailing it now, and hopefully they can respond this time to close my account.
Avoid Flagship and iPayment if all possible!!
laurel
March 22, 2012 at 3:06 pm (UTC -7)
I tried to close this account with ipayment. I sent in the requested form 1/6/12. My Feb. bank statement had another debit from them. I checked with my bank and they had debited 3/5 also. I spent over an hour on the phone tracking this down. They found the email after I looked up exactly when I had sent it. Then they would only credit the 3/5 debit. Very hard to deal with and very time consuming. Get away from them ASAP.
Neo
December 5, 2011 at 6:57 am (UTC -7)
This guys are crooks, they make bogus “fees” and the lastest in the scam they offer “Free Merchant Services” .. I should have know better .. this guys are the worst – they have been charges for $ 60 last month November … now its $ 140 – and I have not processed a single card yet !! ( i’m a start up) — if someone planning to fall for their game – DON’T it is a company filled with crooks and thieves – period.
Bryan
November 29, 2011 at 10:04 am (UTC -7)
iPayment is absolutely the worst processor I have every had the misfortune to work with. They are completely unprofessional. Signed up 28 days ago and now finally process my first transaction and they are placing a hold on it!!!!!! These guys are crooks and I am getting out as quickly as possible.
Anonymous
November 8, 2011 at 2:47 pm (UTC -7)
I have had a similar problem with 1st national processing and iPayment. They have held over $6k in payments for 18 MONTHS… William in the Risk Department will not refund them to me (merchant) or the card holder… And will not respond to any communication from me, my attorneys or even the California Attorney General, with whom we filed a complaint. There is a serious issue with this company, and if you have any problems, please file a complaint with the California Attorney General, and the FTC — 877-382-4357. They will do nothing until enough people lodge complaints, and your time is just as well spent there to help get this type of business stopped, as it is warning people to stay away!
Brenda
October 23, 2011 at 1:00 pm (UTC -7)
Biggest misrepresentation of services ever! I originally spoke with Robert Denson, who instructed me to print the application and fax it. Having second thoughts, I did NOT fax the application yet I was approved and issued a merchant account. I read the “Welcome Packet” and see that the account is activated when you process your first sale, so I do NOT use their services and call to cancel the account. In the meantime, I am charged $5.00 monthly statement fee (of NO activity)???? I leave many voice mail messages, email messages…no response! I call AGAIN and send a letter demanding iPayment to cancel this account. Finally achieve that only later to be charged $350.00 cancellation fee! This charge gets me a $28.00 overdraft fee from my Bank! iPayment claims it could be up to 30 days for a refund. Again, I never faxed the application to iPayment. How can they conduct business this way? SCAM SCAM SCAM
Nicole Campbell
November 18, 2011 at 4:01 pm (UTC -7)
I completely agree with you! This company is a Scam, we just recently changed merchant services from ipayment because we were tired of being charged outrageous fees… Well when we first were told about ipayment we could leave whenever we wanted NO CONTRACT. Well we found out the hard way and they took $350 from each of our stylist.There are 8 of us signed up for 1 machine. This story could go on and on. The most rediculous excuse for a business… they only word that I can use for them is criminal! Thank goodness my bank has my back!
Anonymous
November 18, 2011 at 7:35 pm (UTC -7)
You NEED to contact the California Attorney General, or these types of people will continue to take advantage of people.
My contact CLEARLY states what they can charge when the account is terminated, and they overcharged me. There is NOTHING legal about it, but until people speak up… they will continue to get away with it!
doug
April 12, 2012 at 2:14 pm (UTC -7)
what was in the welcome pack? did it list anything about the etf?
Herchel
September 16, 2011 at 7:45 pm (UTC -7)
iPayment Inc., is simply the worst merchant processor in the US. They should be terminated for bad business practices and scamming their customers. Which ever comes first; being iPament changes your contract terms, fees and complementary add-ons. Therefore, don’t and I mean DON’T go with these guys.
You want professional service and a ease processor go with First Data or another service if asked by Authorized.Net which merchant processor you can use. I cannot emphasize the revenue I lost by using this site. Never the less, the service I got with this company was rather worst. They charged me $59.99 “fee” with no name. A $49.99 for “MISC-MOTO Merchant ACCT” – very discrete when hiding those fees on your statement. When asked why? The risk department simply said “because your a risk”. I have just started using their service not even a week and I got this treatment. They closed my account and the guy even laugh over the phone when I told him, “this was illegal on every way”.
I guess they just deserve the boot and I hope someone does something about it; the law department if you know what I mean. I just let it go, but I feel someone should not commit the same mistake I have.
Will
October 12, 2011 at 3:16 pm (UTC -7)
I should have read your message before I signed up with them. I have a line for ** ADDITIONAL FEES of $79.90 and other fees that don’t make any sense.
I tried closing the account; they will charge me again because it can take THEM up to 30 days to close the account. In the mean while they’ll charge me again because they’re in the process of closing my account.
WORST experience I ever had with a merchant EVER!
Dianne Bey
March 5, 2012 at 12:56 pm (UTC -7)
I agree. I had $79.90 taken out of my bank account on consecutive months. This company should be charged with fraud. They fabricated false application documents with my digital signature and sent it to Wells Fargo who won’t credit me for the unauthorized payments because this company provided them with this ‘application’…I can’t believe it…I have no recourse as Ipage hasn’t responded despite several phone calls and tickets..and the same with Ipayment…(Ipayment inc. not to be confused with Ipayment…separate companies I think..) I was told to phone the police and report it. I am hoping to get a refund. I got one salesperson to admit that I did not have a complete application and recorded on my phone…Help!!!!
Victor T
July 27, 2011 at 4:08 pm (UTC -7)
Sales agents can change prices and terms. To get a good deal you need to find a combination of good middle size processor and honest, professional Independent Sales Agent (ISA). You will have lowest possible rates, no early termination fees, no batch fees, no minimum monthly fees, no hidden fees, free PCI compliance and no surprises.
Randy Steinberg
July 15, 2011 at 10:57 am (UTC -7)
Count me in – my business account got drained of almost $600 in the last 3 months for various fees – none of which are in their schedule of fees I signed up for and they cannot provide any documentation or evidence of any agreement or description of these fees or how they are charged, names, contact numbers or even an address of their company.
This sounds like fraud in my book and I am pursuing as such.
Aaron M. Wilds
July 13, 2011 at 11:52 am (UTC -7)
I would recommend that every business STAY AWAY FROM IPAYMENT INC. This was my processor of 7 years. Like many small businesses I would review my statement from time to time and being busy perhaps I should have payed more attention.
Bottom line is that they use “MISCELLANEOUS FEES”..to the tune of $60.00 per month..with NO explanation of what these fees are for. They will not answer questions regarding the “MISC. FEES”..only directing you to send them an email.
They have very shady business practices including long funding times 3-4 days? no doubt so they can make money “on the float”. The worst is the hassle and way they rip you off when you try to cancel. When I finally wised up and decided to take my business elsewhere they would NOT take a cancellation over the phone. Instead they fax you a form and then you have to fax it back to them. Even then get this..they hit my account AGAIN. to the tune of $110.00. When I contacted them they said that all closures will take up to 30 days!!! so they can open an account in 1-2 days but it takes 30 Days to close it…NO this is simply a way of taking even more of your money or in hopes that you’ll forget about them and perhaps they will get 2-3 months more out of you.
This is a TERRIBLE company with horrendous customer service STAY AWAY!
Businesses BE WARE!…. They also failed to inform me when I cancelled that I needed to contact Authorize.net seperately to stop the 10.00 per month gateway fee I was being charged. UNLIKE ipayment Authorize.net was VERY professional and kind and took care of everything right over the phone.
Eric Gillette
July 15, 2011 at 3:01 pm (UTC -7)
Aaron, sorry to hear about your experience with iPayment, er. . .ahem: “iStealYourMoney”.
In any case I agree with you that Authorize.net had nothing to do with them, and is very professional — it is for this very reason, I simply kept my Authorize.net (since I got grandfathered into only paying $5.00 per month for their Automated Recurring Billing program), and I simply switched to a new payment processor (Cynergy Data).
Cynergy is a bit more expensive (my rate is now 5.95% instead of the low 2.59% I had with iPayment), but to me it’s worth it in the long run to work with a company that I can call and get answers from, and when I charge a transaction — whether it’s $40, $400, or $4,000 — they simply deposit the funds into my account within the agreed upon 2 business days (if I put through a charge on Monday, funds are in my account on Wednesday like clockwork).
I have now been processing through Authorize.net for 8 years, and have been processing with Cynergy for about 1 year and it’s like night and day.
Cynergy had a questions about one of my transactions — guess what they did??
Did they hold my funds? Did they cancel my account suddenly and label me a high risk?
None of the above, they actually called me (there’s a novel idea) and asked what the transaction was for, and asked if I had documentation demonstrating that the client participated in the transaction and asked if they could call the client to verify.
Of course my answer to all 3 questions was a resounding: “YES!”
I simply faxed them the contract, they called the client to verify, and that was that.
My client told me all they asked her was:
- if she knew who I was.
- did she authorize me to charge her credit card for $1,250.
- did she receive the services I promised her (building and hosting her new website).
Of course she answered yes to the first two questions, and for the last question she answered: “Eric is still working on it, but he told me it would be all done in about 2 weeks time as that is what we agreed upon from the beginning.”
They didn’t hold my funds, they didn’t go crazy and suddenly cancel my account — they called me back, told me they spoke with my client, and that the transaction was successfully verified.
I asked the VERY nice lady I spoke to if this was something they’d do with future transactions. Her response??
“We may randomly choose transactions to verify based on the amount or other criteria that we feel make it necessary to verify the transaction, but we will always contact you to inform you of such. As long as you comply with what we ask for documentation wise, and we can verify the transaction with the client, we will *NEVER* (emphasis mine) hold your funds.”
We also discussed my 0% chargeback rate a little bit, which she said was “excellent”, and that “as long as you take care of your clients, you should never have a problem with us holding your funds or anything like that.”
My reply to her: “Wow. I really have to say you guys are a bit higher with the fees, but it’s good to breathe easy when it comes to my transactions. You guys give me the freedom I need to operate my business and do things I need to do on the fly, like process transactions using my cell phone when I meet with a client in person, or process online if a client faxes me their contract. That’s what I need.”
Her response?
“My pleasure Mr. Gillette — let us know if there’s anything we can do to help you with your processing needs in the future. Have a good day!”
That is what I call customer service, and a good company to do business with.
UPDATE: on the $250 iPayment owed me. . .I got the run around on that for awhile, until I eventually spoke to a CSR who told me they had to mail me a check, and that I’d receive it within 7 business days. It’s been 9 business days. I’m gonna call them on Monday and see what’s up and let you folks know how it turns out.
Robyn S.
June 23, 2011 at 12:33 pm (UTC -7)
Watch out for this company and their $100 annual compliance fee that is buried in the contract in addition to all other monthly fees. Waste of money for a small business.
Phillip Parker
June 23, 2011 at 12:43 pm (UTC -7)
Hi Robyn, would you mind giving us a little more detail so that new merchants can better understands what to look for?
Eric Gillette
June 13, 2011 at 9:51 am (UTC -7)
Hey good news all, after waiting 6 months, iPayment *FINALLY* deposited the funds to my account after closing my account suddenly back in early November 2010 after I processed around $1,500 or so in transactions.
They then charged me an “Early Termination Fee” — even though they were the ones who terminated my account ($500).
I got them to refund $250 of this fee, but it still hasn’t yet hit my bank account more than a month or so later. . .
Phillip Parker
June 13, 2011 at 11:24 am (UTC -7)
Thanks for the follow-up on this, Eric!
Mark Boyce
May 9, 2011 at 7:44 am (UTC -7)
Do not use iPayment. Fees are endless, statements are unintelligible and you can not get them out of your bank account. If I cannot get the bank to honor my stop payment I will have to change banks. Just do not use iPayment. You will be sorry.
Courtney W
June 11, 2011 at 1:51 pm (UTC -7)
I’ve experienced the exact same issue. I’ve tried to cancel (was told no fee by salesman and nobody said anything about a fee when I called). I’ve asked the bank to dispute the last charges and I’m closing my bank acct monday.
Processing Pro
April 20, 2011 at 9:07 pm (UTC -7)
From your website:
iPayment (ipaymentinc.com) is an electronic payments processor that boasts that it provides merchant accounts to approximately 145,000 small businesses nationwide.
Philip, while your intentions are honorable, your information is way off the mark. Here is what I mean:
iPayment is not an electronic payments processor.
This was taken directly from iPayment’s website homepage:
iPayment, Inc., is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA
Please update your review of this ISO to include the following:
‘While iPayment is an actual credit card processor’, please see above, iPayment is only an ISO
‘The ISOs (who sell the accounts) are responsible for creating the pricing structure, contract terms and fees’, iPayment creates the contracts, writes the terms, sets the fees and solely is responsible for ripping off the merchants, even, in a lot of cases, after the account is closed.
‘RipOffReport has a fair share of complaints listed against iPayment but since most of them appear to be fee based disputes, it’s very likely that the complaints are caused by the ISOs that originally signed the accounts’,
iPayment is the ISO that is most likely responsible for all of the complaints sent to RipOffReport, do not blame the agents and ISOs that work with iPayment as they too are merely victims of iPayment’s deceptive business practices.
‘Conclusion: iPayment is a large credit card processing company’
Please visit the iPayment site, as well as any site that you are referring too first, before you make claims that have no basis in reality. Thank you for your time.
Phillip Parker
April 20, 2011 at 11:08 pm (UTC -7)
Hi Processing Pro,
Thank you again for the comment. I can see your confusion regarding my statement of iPayment’s status as an electronic payments processor. I think you are misunderstanding how I’m using the term. To clarify, I use “electronic payment processor” simply to indicate that iPayment provides this type of service to merchants (e.g. credit card acceptance, electronic check processing, gift card processing, etc.).
iPayment is both an ISO and a Processor, and Wells Fargo provides the line of credit for the merchant accounts making it the Acquiring Bank. Acquiring Banks play a minimal back-end role in the credit card processing industry. Since iPayment is a processor, it can register reseller companies as ISOs underneath it. These ISOs can set terms of the contract and pricing within certain limitations set by iPayment, and the independent agents that work under the ISOs can also set terms and pricing within limitations of the ISO. Merchants are often confused on who to blame for their problems. Was it the agent, ISO, or processor? The processor is usually where the source of the problem starts because they are allowing bad resellers to keep selling. The resellers are to blame for hiring poor agents and not training them well, and the agents are too blame for signing up merchants into bad deals for big commissions. Based on the complaints merchants file against a provider, it is usually obvious where the problems are coming from.
This is why I created CardPaymentOptions.com. So that merchants could avoid the bad ISOs, Agents and Processors and find providers that treat their merchant customers right.
Joan
April 18, 2011 at 4:13 pm (UTC -7)
I made a purchase on my card on March 30, 2011. IPayment removed the funds from my account on April 6, 2011. As of today and NUMEROUS phone calls, they still have not released my funds to the merchant I made my purchase with. Since this was an ordered item, I had to pay for it in advance. Now, I am not sure if my merchant will give me my item when it does come in. This is a purchase of over $6,000. I do have my reciept and invoice. Do I have any recourse for this ?
Joan
Eric Gillette
April 19, 2011 at 9:25 am (UTC -7)
Joan,
Welcome to the world of credit card processing.
In this world, the merchant is the one who takes absolutely 100% of the risk in doing business after accepting a credit card for the following reasons:
1) The credit card issuer will not hold the customer liable for the charge if they claim it was “fraud” of if they simply say they “don’t recognize the charge”.
2) If the merchant ships you a product and you claim your credit card “was stolen” or that you “don’t recognize the charge” and the merchant didn’t ship to your billing address and shipped instead to your work or other address, guess what happens?? The merchant loses the money you paid, and the merchandise they shipped you at an address other than your billing address.
3) Under no circumstances will the processor be liable for any charges, nor will the credit card issuer, so if the customer claims “fraud” or “unrecognized charge” guess who takes the hit in *EVERY* case?? The merchant again.
This is why I can say beyond a reasonable doubt that for a $6,000 charge, I highly doubt that whatever you bought for that price, if it is a tangible item, the merchant will likely not ship it — he’ll take a loss if he does.
Think about it. . .you’ve been charged, so from your perception you “paid” already, however, since his merchant provider (iPayment) is holding his funds and not paying them out to him, he has *NOT* been paid from his perspective, therefore, why would he ship you a $6,000 item when he has no idea when iPayment may decide to release the funds back to him? Could be 90 days, could be 180 days. Either way, on a $6,000 item, I know me personally as a merchant, I wouldn’t wait 30 days for those funds, let alone 3 months, or even 6 months!
I think your best bet at this point would be to contact the merchant and ask him what he thinks you should do.
I know that in May if iPayment hasn’t released my funds from my clients, I will inform my clients to dispute the charges on their cards, and I will rebill them with my new merchant account.
The good part about my business is that I work personally with all my clients, and have worked with most of my clients for 5-6 years or longer in most cases, so when they heard iPayment held my funds, yet I still performed the work I promised them, even without payment, my clients all understood how damaging it was to my business to have funds held by my merchant provider for no reason (I never had a single chargeback in the 19 months I had been processing with them, and my clients even called William to verify the transactions!).
That said, each of my clients told me whatever I needed them to do in regards to the charge, they would do, so basically, I’m giving them until May to release my funds (that would be 180 days), if they don’t I’ll instruct my clients to take action.
Phillip Parker
April 19, 2011 at 9:58 am (UTC -7)
Hi Joan,
This has likely happened for one of two reasons, or both:
A single $6,000 charge may be over the merchant’s approved “high ticket” transaction limit, or unusual from in the merchant’s transaction history. In this case, most processors will place a temporary hold on the transaction to verify that the funds will be collected from the customer and that it wasn’t fraudulent. These type of holds usually only last 1-2 weeks.
Or, The processor decided to establish a cash “reserve” with the merchant, which holds money as sort of an insurance policy against losses if the transaction is fraudulent, or the customer disputes the charge.
The processor/merchant account provider actually does have a lot of risk is a situation like this because they are the middle man and can be left holding the bill. A merchant account is a line a credit and the processor pays the merchant before the money has been collected from the customer. If the transaction is fraudulent, or the customer disputes it after the merchant has been paid, the processor is the entity that takes the hit. The only recourse the processor has is to collect the disputed charge from the merchant. If they are unable to collect from the merchant, then they take the loss. This is why processors hold funds for unusually large transactions, or merchants they deem as “high risk.” The unfortunate part is that the merchant is often caught by surprise and many of these processors do a poor job of communicating why a hold is happening or a cash reserve is being placed.
victimized by ipayment inc
April 15, 2011 at 12:52 pm (UTC -7)
Ipayment has been successfully sued and the owner appears to be dodging a $300,000,000.00 judgment against him. Maybe this is why the company has such a huge tract record or poor customer service and shady business activity.
Ever since Ipayment began holding several thousand dollars of our money, we spoke to William in Risk management back in Sept of 2010. He was very rude on the phone and advised the funds would be on hold and they’d review the account in 30 days to see if they could be released. 30 days came and went, no funds released. We called William every 30 days for 6 months straight. Never answers phone, always goes to voice mail. Each time we were polite and asked for a call back. Not once did he attempt to call us. Either he doesn’t care about customer service or he is scared of a possible confrontation.
6 months later they again held more funds. Called spoke to another person in Risk Management (who was actually a nice guy–you can still be nice and deliver poor news) and advised they were closing our account and here’s the kicker–they would be holding our funds (back from Sept. and recent) for another 7 months. He explained it would take 30 days to cancel the account then they can hold the funds for another 6 months beyond that date. Contract says they can only hold funds for 6 months. Can someone say fraud????
Our business is now at the doors of bankruptcy and we’ve had to cancel and refund customer’s unshipped orders. William called us to see why we were refunding some orders. He was rude and proceeded to tell us how to properly run a business. Huh? He ended up hanging up on us during the phone conversation midway through my sentence. Didn’t even bother trying to call him back–why bother? Again, this was from a company we paid for a service. The good thing is we new what to expect from the conversation and recorded it!
If your reading this, most likely you already use this company, so there is no sense in warning you to stay away. Here’s what you can do, won’t get you much results but if your having a problem report them to the better business bureau. This will not force things in your favor, but in the very least you’ll get a call back. Report it to there state’s attorney general. Once they get enough complains on file, they’ll open an investigation. Once a company is being investigated by the attorney general, they’ll always find areas to focus on. Close your bank account and end your relationship with this company ASAP.
Eric Gillette
April 15, 2011 at 2:02 pm (UTC -7)
It’s disappointing to see that iPayment is still defrauding hard-working people out of their money by using the same deceptive practices over and over.
If they continue at this rate, they won’t have any merchants left to process payments for in the first place!
I can certainly agree with everything that has been said, and still have an open issue with iPayment where they held almost $2,000 in transactions from 3 of my clients, saying that my business model was “high risk”. I’d been processing with them for 19 months without a single chargeback when I got the phone call from William to let me know I was a “high risk” merchant. Oh, and to this day, I *still* have no chargebacks. Not even one, yet they’re still holding my funds which they’ve been holding since October of 2010. When I called in February of 2011 as William had instructed me to do to get my funds back (he told me to call after 90 days) he told me that their could still be chargebacks that they’d be liable for and that I need to call again in May 2011 to get my funds back. All this from me, a guy who has had NO CHARGEBACKS whatsoever, and still don’t to this day — even with my *current* merchant provider! My business is built on relationships that I develop with my clients to help them improve their businesses. This is the reason I don’t get chargebacks, because I provide a service that is invaluable to my clients. William couldn’t understand that. He also thought it was odd that I would use an app on my cell phone to process credit card transactions when I was face-to-face meeting with some of my clients. Either he lives in the stone-age, or doesn’t realize that it makes sense for me to process a card using my cell phone when I’m meeting face-to-face with a client.
In any case, we’ll see what happens in May. . .I get the feeling he’ll give me the run around again, but I’ll keep an open mind and post back here with what the outcome is, since at that point, the time-frame for them to be held liable for chargeback will be over, so they’ll have NO excuse to try and keep my funds unless they are just as everyone here has been describing them — a fraudulent company.
I’ll keep you all posted as to what happens in May when I call back — that’s about 2 weeks from today.
David
April 5, 2011 at 9:58 am (UTC -7)
Avoid Ipayment. My experience is that they use deceptive practices. If one looks, there are several investigations against them. Whatever you do, don’t supply them with your banking information. My experience is that they will debit your account without authorization and make it very difficult to recover your funds. There are many good companies out there to process your credit card; Ipayment is not one of them in my opinion.
J
April 4, 2011 at 9:16 am (UTC -7)
I have no idea how you could give this company an OK rating here. We’ve used this company for a while and has held over 10,000 worth of funds longer than 180 days per the contract. If you valid your business and financial goals, stay clear of this company!!!! If you are already a “customer” and you’re looking at reviews online because you are starting to have problems with them–don’t do what we did and hope the situation will get better. It will get much worse.
They do not return phones calls.
They are very rude when you ask them questions.
They will not provide any written documentation.
Rick Ranelli
March 31, 2011 at 8:39 am (UTC -7)
ipayment is a rip off, there pci compliance program is a scam, i cancelled service because of it, six months later they debit my account $139.00 say it’s for previous years compliance fees. totally dissatisfied with this company.
Tara
March 16, 2011 at 3:36 am (UTC -7)
Do not use ipayment they close your account and then commit fraud by trying to take money from your account the next day. And then get emails to tell you to call bank and reject charges thats great but should of not been taking in the first place.
http://www.ipaymentinc.com Stay away from this site
Dianne Bey
March 5, 2012 at 12:53 pm (UTC -7)
I totally agree with you. They fabricated an application and sent a copy to Wells Fargo…Wells Fargo wouldn’t credit me the fraudulent charges. I don’t recall filling out an application with them at all!!! I didn’t as a matter of fact. They took money out of my account for absolutely no services whatsoever…I didn’t agree to the money taken out, and had no services…no credit cards, no sales, etc… I didn’t need it in the first place. They pretended they were Ipage..and got my website name the day after I signed up, asked me how much volume, and started taking money out of my account. I said I am an artist and don’t plan to sell anything…I’m fuming.
Eric Gillette
January 21, 2011 at 2:34 pm (UTC -7)
I spoke to the guy William at iPayment’s Risk Department. I had been processing with them for over a year, and HAD (and still have) NO chargebacks — none! Not one or two. . .NONE. I literally have a 0% chargeback rate. Most of my clients I have been working with for 5 years or longer. In November at the height of my business’ busy season, iPayment decided to suspend my account (and hold my funds for 180 days) because I was in William’s exact words: “A high risk merchant”. I laughed at first because I thought he was joking, and I mentioned to him that I had a 0% chargeback rate in the 19 months I had been processing with them. He said that didn’t matter, and that my business model (I’m an online business consultant and help new and existing business owners get their businesses online or enhance their business presence online) was “risky” as he put it. They of course dipped into my bank account for an additional $500 which they claim was to hold a “reserve” in the event of any chargebacks, and as I mentioned I have a 0% chargeback rate! I told my clients what transpired, and they all agreed it was crazy. I of course, did the work my clients requested me to do at no charge to them, since they had already “paid” me via credit card and iPayment held the funds, but I wasn’t about to penalize my clients for my processors insane actions. Instead I went back to my old processor, who accepted me with open arms, and even matched the rates that iPayment was giving me, since it was the reason I left them in the first place. Avoid processing with iPayment at all costs. If you go through a merchant service provider, ask them who their processor is, and if they tell you it’s iPayment, ask them to set you up with a different processor. You do have a choice.
Adam b
January 15, 2011 at 5:43 pm (UTC -7)
This company does not give you a original copy of the contract. The salesmen gives you a copy from a small printer on the lab top. he adjusts the months form 12 to 48 on the lease. then gives you the copy of the original, after editing the sheet in the computer. Very bad. The state needs to move on first data global leasing that hires these jerks. ipayment says they are not linked to first data, but the salemen adjusts the contract to get commissions.
John Griessen
January 9, 2011 at 1:24 pm (UTC -7)
I “signed” up with National Merchant Bancard and when it came time to start, they had changed the prices from $8/month to $35/month with sortof the same terms, but with a $75 to $150 yearly PCI compliance fee.
So they’re just a bait and switch sales tactic operation.
They had started a process with authorize.net and with ipayments.com for a web based virtual terminal app, so if you wanted to you could get going for $35/month. I’m waiting until I have some internet sales volume to support it.
Until then I’ll use paypal, google checkout, and amazon payments for
small volumes of credit card sales, and probably even more sales by image check.
John