Appstar Financial Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Accepts credit, debit, and EBT. Customer service issues reported.
No setup fee. Independent sales team usage.
Specializes in various industries. Early termination fee ($495).
Offers interchange-plus pricing. Three-year contract terms.
Provides POS equipment/software. Public pricing not disclosed.


In this review of Appstar Financial, a merchant account provider for small and mid-sized businesses in the U.S., we'll take a close look at their services and business practices. We'll cover key aspects such as rates and fees, contract terms, and common customer complaints to give you a clear picture of what to expect.

We'll discuss Appstar Financial's range of services, including payment processing for various types of transactions, e-commerce and mobile solutions, gift and loyalty programs, and different POS systems. We'll also highlight recent legal challenges the company has faced and evaluate the effectiveness of their customer support.

Additionally, we'll assess the company's marketing tactics, particularly their use of independent sales agents and telemarketing, and how these strategies impact their customer relationships. Our goal is to provide insightful guidance for those considering Appstar Financial's services.

About Appstar Financial

Appstar Financial is a U.S.-based merchant account provider that primarily targets its credit card processing services to small and mid-sized businesses. Although we have not been able to verify it independently, numerous Appstar Financial reviews indicate that the company may be under the same ownership or affiliated with the following merchant services providers (as indicated by third-party reviews and information): Apex Merchant Group, Eliot Management Group, Trans Tech Merchant Group, Summit Merchant Solutions, First American Payment Systems, Merimac Capital, and Certified Payment Processing.

Appstar Financial Products and Services

Payment Processing

Appstar Financial offers payment acceptance services, including credit and debit card payments, EBT, check services, and gift cards, tailored for small to medium-sized retail, home-based, and e-commerce merchants. Their offerings also include a cash advance program, discounts for cash payments, EBT processing, e-commerce solutions, online reporting, and ACH processing. They provide various processing equipment such as card readers, terminals, and mobile payment solutions. Previously, they had a “$100,000 breach” program to address payment fraud, but it appears to no longer be available.

E-Commerce Solutions

Appstar Financial's e-commerce solutions are designed to help businesses enhance their online presence. This includes setting up a virtual terminal on computers or mobile devices, enabling businesses to accept, securely store, and manage payments from a single dashboard. Their solutions include options like,, and Shopify, or integration directly into existing POS systems.

Mobile Solutions

Appstar Financial provides mobile solutions that enable businesses to use their point of sale (POS) system on the go. This includes mobile terminals and smartphone hardware attachments for processing payments, monitoring inventory, and engaging with customers. These mobile solutions allow businesses to process payments anywhere, organize and maintain real-time inventory data, and target new customers with user-friendly marketing features.

Gift and Loyalty Card Programs

Appstar Financial offers customizable gift and loyalty cards that can be branded with a merchant’s logo and design. These programs enable merchants to track card usage and offer promotions and discounts to customers.

POS Systems

Appstar Financial provides various POS systems, including countertop terminals, mobile POS devices, and integrated POS solutions. Their offerings include the Clover family of products and the Samsung self-service kiosk. These systems can integrate with tracking and reporting, business management, and customer engagement tools to streamline operations and enhance customer service.

Appstar Financial payment processing
AppStar Financial offers standard payment processing services

Appstar Financial Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 100+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits Yes

Comprehensive Overview of Appstar Financial Reviews

Our thorough research has unveiled over 100 negative Appstar Financial reviews, with numerous business owners labeling the company’s practices as predatory. The complaints frequently cite deceptive sales tactics by representatives, incessant telemarketing calls, undisclosed fees (including Early Termination Fees and PCI compliance fees) prior to account setup, and unwarranted holds on client funds. Additionally, there are reports from former agents about mistreatment and being assigned to non-genuine appointments with business owners. We encourage those with personal experiences with Appstar Financial to share their reviews in the comments section below, contributing to a broader understanding of the company’s operations.

Legal Challenges Faced by Appstar Financial

In late 2016, Appstar Financial, operating under Amazon Processing LLC, was implicated in a class-action lawsuit alleging multiple violations of The Telephone Consumer Protection Act of 1991. The case was voluntarily dismissed in early 2017, suggesting a potential settlement, although specific details remain unclear.

A subsequent lawsuit in March 2017 accused Amazon Processing LLC of improperly classifying workers as independent contractors to avoid providing standard employee benefits, such as breaks or overtime pay. Available information indicates that Amazon Processing was mandated to compensate the plaintiff, though the case’s status as a class-action lawsuit is undetermined.

Clients seeking non-litigious remedies to their grievances with Appstar Financial are advised to report their issues to appropriate regulatory organizations.

Customer Support Offered by Appstar Financial

Appstar Financial lists a toll-free customer support number on its website, although it remains ambiguous whether this line serves sales inquiries, support requests, or both. Despite the availability of this contact method, the effectiveness of Appstar Financial’s customer service department appears to fall significantly short of the standards set by leading credit card processors known for exceptional customer service.

Contact Information for Appstar Financial Support

  • (866) 754-5368 – Toll-Free General Customer Service

Considering the volume and nature of feedback, alongside Appstar Financial’s approach to customer support, the company is provisionally rated in this review. Enhanced with SEO-targeted phrases like “reviews,” “review,” “complaints,” “customer reviews,” “customer complaints,” this analysis aims to provide a balanced view of Appstar Financial’s services while improving its online visibility.

Appstar Financial Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 49

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Nearly 30 Complaints

As of this review, Appstar Financial has maintained Better Business Bureau accreditation since 2002 and has an “A+” rating despite having 25 complaints filed within the last 36 months. Only 7 of these 25 complaints were resolved by the company to the satisfaction of the client. The remaining 18 were resolved to the dissatisfaction of the client or received no final response.

What Merchants Say

In addition to the 25 complaints filed with the BBB, Appstar has also received 24 informal reviews on its profile. 15 of the reviews were positive in tone while the remaining 9 were negative. This recent customer review describes the company apparently going back on an agreement about equipment that resulted in much distress for the client:

A representative name called ***** called me. He introduced to me that , their company is partner with clover to process credit cards payment. And they can give me a better deal then my current company I’m with. I told him the equipment I’m using now I own it I’m not leasing it from any company. He said to me if you agree to work with us appstar, we will restock your old equipment and give a lower processing fee. So I agree to it if they are taking the old one and give a new one that is fine. And I have all this communication documents in writing from. So after they shipped their equipment to me. Is time for him to send me the return label for me to ship the old for restock. When i call him don’t answer my calls no more. I sent him messages if I don’t receive the return label to ship the equipment. I will disconnect the they sent me and go back to my old one. The next day he called and said he is working on it. Then it pass three weeks and they started taking money from me . I sent him messages again and he call back and said to me. *************** we are sorry we can’t restock the old equipment. And I said then I can’t work with you because there’s no way, I will disconnect the equipment I paid for and work to pay for same thing. So I disconnect the equipment they sent me. When they saw is not working that is when they call me back to discuss the options. And he call to discuss opoint, i said to him they should take the old equipment. And i keep the new one like the agreement was. He said to we can’t do that. why don’t i do Garage sales with it. And I said no that was not the agreement. He said to again do you know we can mess up personal credit. So told he should try it I will suit them and he said what can I do to make you work with us and pay your bills. I said go by the agreement. So he told he will call me back. I didn’t hear from him after three weeks. They went ahead to charge my account $2,350.00 without my consent. I mailed their equipment back to them.

Customers stuck in similar situations would benefit from knowing what options they have for recourse regarding fraudulent account activity.

A “C” Performance Overall

We have adjusted the BBB’s rating to a “C” for the purposes of this review based on how our criteria would score the number and content of complaints.

Appstar Financial Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Processing Rates Variable
Monthly & Annual Fees Yes
Cancellation Penalties Yes
Equipment Leasing Yes

Variable Contract Terms

Appstar Financial’s merchant account costs and fees may vary depending on factors such as business type and the agent setting up the account. Credit card processing fees seem to comprise a swipe rate of 1.59% plus $0.10 and 2.19% plus $0.10 for keyed-in transactions. Despite these seemingly low rates, there have been numerous complaints from business owners alleging higher processing rates than initially quoted. Many report being charged unexpectedly high fees and feeling misled about Appstar’s cost-effectiveness compared to their previous merchant account providers. To make an informed decision, business owners are encouraged to review our list of the best merchant accounts.

Virtual Terminal and Payment Gateway Pricing

Apart from its storefront payment processing, Appstar Financial also promotes its virtual terminal and payment gateway services. However, specific pricing for these services is not disclosed. Typically, additional rates and fees, including gateway fees, technical support fees, batch fees, and extra transaction rates, apply to these e-commerce services.

Appstar Financial e-commerce payment gateway Appstar Financial provides e-commerce solutions, including access to a payment gateway

Appstar Financial’s Additional Fees

Appstar Financial’s standard merchant account agreement appears to entail a three-year service commitment with a $495 Early Termination Fee (ETF) and an annual PCI compliance fee of $125, automatically deducted from a business owner’s checking account. Additionally, the contract seems to renew automatically for successive one-year terms, with limited cancellation options. Those opting for equipment leases may encounter further conditions and fees, including long-term, non-cancellable contracts. Business owners are advised to consider more affordable merchant account providers.

AppStar Financial virtual terminal Appstar Financial offers access to virtual terminals

Appstar Financial Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

Independent Sales Agents

Based on customer reviews, it’s apparent that Appstar Financial relies heavily on telemarketing and independently contracted outside sales agents to market and sell its credit card processing services. Like most merchant service providers that use these tactics, the company appears to incentivize agents by linking higher commissions with higher rates and fees for its customers, including lease terms on credit card processing equipment. Due to this practice, agents are often focused on setting up expensive merchant accounts and long credit card processing service agreements in exchange for higher payouts. These business practices do not compare favorably to those in our list of best credit card processors.

Deceptive Sales Practices

It is unclear if Appstar Financial management condones aggressive sales tactics or encourages high merchant account pricing, but some complaints from former and current employees express sales strategies so aggressive and misleading that the reviewers are in disbelief . It appears that, at a minimum, there is a lack of oversight and education of many of its agents. Additionally, it looks as if Appstar Financial enforces agreements even when clients describe the use of deceptive sales tactics by an agent. Other than problems regarding Appstar’s telemarketing and sales agents, we found no other obvious examples of deceptive marketing, but if you suspect that the company is charging you undisclosed merchant account fees, we recommend seeking a third-party statement audit.

Our Appstar Financial Review Summary

Our Final Thoughts

Appstar financial credit card processing company holds a position as a substandard provider. Its standing is influenced by several customer complaints and unfavorable contractual terms that fail to align with the best interests of clients, significantly dampening its overall rating. Complaints often cite high fees, hidden costs, poor customer service, early termination fees, and deceptive sales tactics, which are compounded by aggressive telemarketing. These issues have placed this company among the worst-rated providers on CPO.

Despite these challenges, potential clients should carefully approach contract negotiations with this company. Businesses must meticulously review the proposed terms, paying close attention to fees, service clauses, and penalties that could hinder their financial flexibility. Comparing this provider’s pricing and conditions to those offered by top-rated merchant account providers is essential. Doing so ensures competitive rates and favorable terms, empowering businesses to make better-informed decisions for their credit card processing needs.

Location & Ownership

Appstar Financial is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio, and Wells Fargo Bank, N.A., Concord, CA, with corporate headquarters located at 4619 Viewridge Ave, Ste. C, San Diego, California 92123. Appstar Financial shares this address and ownership with the now-defunct Amazon Processing LLC. Mark Leibowitz is listed as the founder and CEO of Appstar Financial. Mr. Leibowitz founded Amazon Processing in 2002, which became Appstar Financial according to their management team page.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Appstar Financial Treat You?

103 User Reviews

  • Randy Starnes

    Muffler Man of Holly

    Hi! This is Randy with Muffler Man of Holly in Michigan. Stephen Murphy is our account representative and he is excellent. He is responsive and has made sure our account is well managed. When we needed help with technical support he made sure that we were three wayed with him so any problems could be resolved. We have had no problems with timely deposits or unexpected charges.

  • james Grant

    Letz Get Krackin seafood

    Appstar is so so so so bad of a company 😫 to start off, I applied for clover on their direct site but later found out a company named Appstar picked up the sale, unsure how that was possible. Clover site says you have 30 days to return product if you don’t like the service. After two weeks I tried returning the device thinking it would be better to go with bank of America’s pos system since I a am a member there. Appstar said I could not return the device and that I had to pay over $5,000 to break contract. At that point I said for get it I’ll keep it. Random withdrawal amounts of $300+ $400+ multiple times monthly taking from my account when it was agreed upon to only have withdrawal amounts of around $100. After so many un agreed withdrawals I blocked all ACH holds due to fraudulent activity. I have money stuck on my clover pos system that they refuse to transfer to my bank. They will not transfer the funds nor will they give me a straight answer as to what will happen with the funds. At this point they give me a list of requirements for them to deposit the funds into my account. I completed everything they requested and I still can not get them to deposit the funds. Lastly they ask my bank to sign a bank letter which the bank says it’s illegal for them to do, so at this point Appstar is saying they will not send me the funds, however they are still billing me for a service I cannot use! I’ve never been scammed so bad and I couldn’t tell you how much headache and pain they have put me through just to scam me. No on will give me a straight answer as to what happens next. They stole all my money and this should definitely be illegal!!! I cannot open my restaurant or take any point of sale orders because they will bully me for every dollar that enters the pos. This company is extremely dangerous, should be banned, doing business. Clovers reputation is bad for allowing Appstar to take advantage of business owners. STAY FAR AWAY AND PAY ATTENTION TO ALL THE REVIEWS!!!

  • Hhaekim

    LCso wings2018

    I noticed last week , $119.92 every month abd annual fee $92 automatic took out my business check acct . I resurch about this automatic payment. I found out it was appstar. I never used credit merchandise and never connected. I try cancel and returned merchandise.
    10/2018 to 12/2023 appst took out money for almost $7,000.00
    No contact no tex information send me . Unfortunately I did know automatic payments from appstar.
    They said even I don’t used still charged fee and annual fee without any letter and phone call.
    This appsta is very bad company. I have a credit card company. No cancel fee no contact paper.
    Please do not use this company

  • Brad Larson

    Strike & Spare Bowl

    I have send a next day mail envelop to cancel my credit card service with you on July 17, 2022. Do I have to do the same thing with my Z11 credit card machine. If so what is the address to
    place. Thanks Brad

  • Karen

    Dari Delite

    I have used app star for 8 years and their rates got higher and higher and once I got a legal person to investigate this they were charging hidden fees so I just needed to save money and I chose another company and I tried to cancel. I’m not under any contract mind you ,and they want to charge $ 595.00 to close the account I’m hiring a lawyer to bust them so I wanted millions to know this and avoid this company to help fellow Americans so they don’t have to deal with this company

  • Will Crossland

    CrossTech Automotive

    AppStar is terrible. To any small business, I highly recommend going with another company. Do yourself a favor an avoid the headache. They held a $4k transaction for fraud, then returned the money to the customer while we were left to pick up the pieces of their broken system. They will not let you out of the contract even though they are at fault. They dive into your business via accounts, transaction history, and everything in between. Crooks is all they are, and they don’t want to see your small business succeed.

  • Laura

    Worst expieruence i have rver had i cancled my account they took over 1800 dollars after the fact over several days no fees were in my contract just them verble telling mee it was $495 i put a stop paymnet and thy used a different code to get more money from me…when i signed up in november the agent said $40 in srvice fees and 64 for the machine rental for a total of $104 in actualaity it was $189 plus card fees wich they took from me and my clients so that added another $100 or so depending on what i did in card sales i called and when i tried to cancle at first i got told i couldnt cancle… outrageous fees for me and my consumers and terrible custermer service and the are sneaky for lack of a better word thanks you to my bank for uncovering this i have also reported it to the better business bureau they have several bank codes watch out stop payment wont work change your account numbers

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • C Miller

    In May of 2018 AppStar Rep. Robert M. contacted me, Charlton M. at my business and attempted to sale me a credit card machine when I declined the sale, Robert M. then contacted his Supervisor who recorded the conversation, stating that I could terminate the agreement at any time with no cancellation fee and offered me a tremendous discount. I was mislead by Robert M., AppStar, Merimac and First American Payment. After 3 months I noticed an unreasonable amount of fees and charges coming out of my account. I then sent the credit card machine back to them and blocked them from my bank account. I was then harassed by their collections department saying that I owed them a huge cancellation fee, which I didn’t. In March 2019 they filed a collection on my personal credit report, which I was never advised nor did I ever believe that I would be a Personal Guarantor on the agreement. How does a company have the right to lie, mislead, and ruin ones credit, who doesn’t owe them? How does a company have a A+ rating with the Better Business Bureau, when they have over 64 negative complaints against them within a 3 year span?

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Angie Caloca

    I am a new business and was grossly mislead about AppStar services by the Rep who signed me up. I have tried multiple times to cancel my services as I am so uncomfortable with them that I will not process an innocent customers card for fear of what they will do with that information. They have taken money out of my acct without my approval. Is there anyone who has successfully cancelled with AppStar and avoided the $495 fee?

  • Jennifer Wildonger

    Horrible company. Worked for them for 2 weeks and could not take the pushy to the extreme sales tactics. I could not believe how they would not take no for an answer and made me feel like I was stalking those poor people. Read the reviews on their service. That is no better.

    • tom lamantia

      Jennifer, working there for about 1.5 month. sales managers are high pressure, no interest in trusting salespeople. Uncomfortable with their tactics. feel like I’m playing good cop to their bad cop. email me back with your experience,

  • Nellys

    A rep came into our dealership on several occasions wanting to talk to us about switching to Appstar. The last visit the person was here for over 4 hours trying to persuade us to switch but we said no. And because we said no, she refused to purchase a vehicle from us, that she drove for over an hour, and wasted the managers time. After reading all of the complaints, I am happy we did not switch.

  • Peter K.

    Appstar violates their own contract terms. Fails promised refunds. Threatens customers. Appstar does not respect their own sales people. If you are stuck, consider a counter suit, upheld in most jurisdictions. After all, they understand money. Best thing is avoid Appstar altogether. With all the complaints, contact me regarding any class actions being considered.

    One of a series of letters to Appstar

    Xxx (Sales Representative)

    Thank you for relating to Appstar the $0 closing fees you quoted me. It is inappropriate for me to intermediate between you and your company regarding the contractual components you presented. Besides, from his communications, Mr. Xxxxxx (in operations) indicates he has nothing more to contribute.

    It is unfortunate that Mr. Xxxxxx does not respect your representation of Appstar, which also his company, by not honoring your statement and the position Appstar has entrusted to you.

    Perhaps the response of a Circuit Court judge will be more convincing, should he unwisely pursue. Recapitulation of fees and trends of same rebutting his calculations will be presented. As I related to Kyle in operations on his recorded line, counter-billing Appstar for loss of time and productivity at my professional fee of $600 per hour has also been historically upheld in these cases, should that arise. I reiterate these charges here.

  • Michael Parker

    My office has been solicited by three different representatives of AppStar – who seem to work like a tag team. I was greeted by one representative who took some notes about the size of my business and the past 3 statements of our current merchant service provider, and then said representative #2 will call with the comparison. Rep#2 called and made a presentation indicating how much they have saved other business owners and how he saved one business owner from having to pay termination fees. Impressive… rep#2 showed me copies of statements of a particular business (redacting the names and address) showing the comparison and savings of this particular client. When I asked why they were showing me statements of 2014 and not more current, he said “oops” and fiddled to find more current statement – which did not adequately show a proper comparison.

    Rep#2 wanted to collect as much information about the business as possible, including the name of the owner, the tax id, the owner’s DOB and SSN. I said show me the rates and he sends me a screenshot of his spreadsheet calculations. He claimed he did not want to show me the actual contract with the rates because I could use that to negotiate with my current merchant service provider. When I asked about what types of charges I could expect on AppStar’s statements, the rep#2 connected me with rep#3 who was the man who knew the numbers.

    While rep#3 was less “pushy” than rep#2, he was insistent on getting the owner’s approval and information. i was able to “convince” rep#3 to provide the contract with the rates listed.

    true to the claim of rep#2 and Rep#3, the rates that were listed were lower… way lower than my current processor. Rep#3 explained the “INT” as the interstate rate (or cost) which was the actual charges from Visa/MC/Discover/AmEx. He explained the per transaction charges. BUT he could not clearly define the “DFA” (which he noted as dues, fees, and assessments)

    After reading on this website of the experiences with all of the business owners, I will tell AppStar when they call back to “stick the contract where the sun don’t shine”. I am saddened to realize how the hundreds of hard working business owners who have had unnecessary stress added to their lives by deceitful companies… but I am relieved that they shared their experiences. Because of your help, I will not become a statistic in these companies’ con game.

  • Sarah Disney

    The do not do next day deposit. Customer service said that we were not eligible..was never told why. They have called our customers/clients to questions why we were charging them, was very embarrassing because we have been working with most in many years.

    They are the WORST Company we have worked with. The previous companies provide next day deposit and our customers/clients were never called to confirm the amount we had charged.

    They have promised all what we were getting; next day deposit, automatic charges and more. We have received services explained above.

  • russ

    Stay away – Stay Away. Company has repeatedly cold called and robocalled me. I am on the donotcall list and have asked them to stop calling numerous times yet they still call. Either this company is a scam, very disorganized, or unethical. Regardless – stay away! I have filed local and federal law enforcement complaints.

  • Jon Blackman

    I have found Appstar to be absolutely predatory in their attempts to sign up small businesses. The sales representatives were absolute liars as they told us anything we wanted to hear. Their many, many fees are hidden in the labyrinthine legalese that makes up their contract. Even though we found most of them after beginning processing through them our monthly fees DOUBLED. For Buddha’s sake, steer clear of this company. We are trying like mad to disentangle ourselves.

  • Mara

    I am so glad I researched and found these reviews. When the salesman came in and I started asking questions, he didn’t have the answers and had to call his manager to answer them. I told him I needed the weekend to think about it. Well, Tuesday came along and he seemed rather frantic, asking if I was alright because he hadn’t heard from me. He kept calling and trying to set up another meeting, etc. I finally emailed him and said I wouldn’t take kindly to high pressure selling. He then started every other email with “I’m not trying to by pushy but….”. I didn’t respond, then I got another email saying he stopped at my business but I wasn’t there. Ugh. So, I emailed him back drilling him with questions. He was going to lease me the terminal for free, waive the setup fees (which he never disclosed that there were any), drop the interchange rate from $10 to $5.95. It all seemed too good to be true, so I looked up their reviews online and came across this. Just this morning I emailed him and told him I was going with a different company. He emailed back asking why and I told him I didn’t want to have a contract. He responded to me with, “Gee Mara, any large processing company will buy out another’s contract at any time.
    A contract protects both parties and AppStar in writing guarantees throughout that contract period your rates won’t be going up on you.
    That is a common merchant complaint signing up with companies without contracts questioning and fighting billings like people have to do with some cable companies.
    I wish you would reconsider for you’re being offered a tremendous package in writing and we truly value and appreciate your business. I won’t do business with someone who condescends me. This all seems super shady and I think I may have saved myself a lot of troubles.

  • Cristina M.

    I had a bad feeling about the salesperson when he first walked in. He initially came to sell us gift cards, but ended up suckering us into listening to his sales pitch about a more professional and cheaper alternative to the POS system we were using. He used very aggressive language to try to reel us in. I stated to him very firmly that I wanted to look over the contract and check my other options. He responded by saying, “Why would you want to do that when you know this is the best deal?” repeatedly. I left it up to the other two owners because of not I was going to go off on him (I really should have just kicked him out), and unfortunately they signed a terrible contract. Now we are stuck with this terrible business that said it would only be $30 more than our other POS system, that they would pay our cancellation fee, and that we would not have to pay for the equipment after we cancelled for 6 years. We are charged A LOT more than $30 in comparison to our old system and they lied about paying for the equipment after we cancelled. When we figured that they were terrible con artists a day or two later, we called the company to complain. They were condescending and acted like they were not in the wrong. Please DO NOT even let these people into your store! And NEVER sign anything without thoroughly reading it, even if the salesperson is super aggressive and manipulative.

  • Dana

    This company is an absolute scam. I was with them for close to five years. When wanting to leave the company they told me I had to pay a $495 early termination, that my agreement renewed every year. In addition, they set me up with a swiper that I was paying $35 a month for and early termination on that is $300, a 5 year lease, absolutely insane. A swiper, one that does not even read a chip. New law came into account that anyone who claims fraud on a chip card and does not have a chip reader there is absolutely nothing you can do about it. So not only do they do nothing about fraud on the customers part they don’t even send you a new swiper that reads chips when it has become part of the law. Oh, and they charge you fro the chargeback as well. I do not recommend this merchant to anyone, hope they go out of business, but doubt it, they are great scam artists.

  • North end pizza

    Sarah came into my shop explained to me how it works,not only that ,she showed me the ups and downs,gave me good advice,no pressure.
    When i call they pick up their phones on the spot,they do not hook you up and leave you.
    They do not stop here,they want your business to grow,and they help you out by giving you the tools.
    Thank you sarah ,thank you appstar.i hope we can make bussiness for a long time.

  • Daniel Allen

    The sales representatives were less than professional(should have been my first clue) promised lower rates and fewer fees. Also promised to pay my cancellation fee from my previous provider. True to form non of it was true,in fact the fees paid to my previous provider included monthly statements and web account which I was informed would be additional from Appstar. When I made calls to get my cancellation fees paid I was told they don.t do that. In addition, they delay large payments claiming security issues and also delaying payments from reoccurring customers. After 3 occasions I was told they would raise my ticket limit to avoid delays,never happened. In 30 years of doing business this company definitely ranks as one of the worst I’ve had the misfortune of dealing with.

  • Brooks Atwood

    TERRIBLE, TERRIBLE TERRIBLE. If you are considering using this company, RUN!!! They are currently holding a large sum of MY money paid in by MY customers saying that they have to wait on them to receive the product. My company has been in business over 10 years with no problems until I signed on with these fly by night pirates. I provide a custom, made by hand product and my typical invoice is $1000 or more. Apparently APPSTAR is more suited to candy or sodas or maybe the odd carnival ride. NEVER CONSIDER THEM!

  • Reyna

    This is a very bad company to do business with, they send there representatives and offer you a lot of things that are not true. They promise to pay the contract with your previous company and they don’t do it, save your self a lot of headaches and reject them. not thing is true!!!!!

  • Tony

    The only way to get anywhere with these unethical jerks is to file complaints with the BBB in San Diego. When they respond, you must respond! They fight tooth and nail to keep their rating with them and it’s the only thing that will motivate them to do anything!


  • Marjorie Stampfl

    Well, we’ve finally been free of harassment from this company. We closed account (due to selling business) on July 23, 2014 and, after getting billed for an additional month of (no) service, we went directly to manager of our bank who immediately put a stop payment for that company. That worked perfectly. Every month since then we’ve received an attempt to collect from bank, along with a detailed letter, both of which we have ignored. Each month the amount got smaller until it was a cost of $.75. Unbelievable! So wish the reputation of this company could extend to everyone in business.

  • kathy dowell

    This company is a total scam. They are now harassing me with threatening constant phone calls and letters. They sent a rep to my retail store and he told me so many lies, He told me this was a trial process and if they could not save me money I would get a full refund of my set up fee. after he left my store I heard nothing from no one, I already had a merchant account but was doing this on a trial basis to see if I could save money. I heard nothing from no one after he left my store, I only had his card. He would not answer, nor return my calls. I am very very busy as I run my business by myself, and really did not take the time to figure out how much money they were taking from my account I got the two companies confused. below is a letter I wrote the company, by the way their company threats come from First American Payment Systems. I had to close my bank account to keep them from taking loads of fees out after I figured out what they were doing, and if you have a 20 year or so business you know what a hassle that could be to change all of your payment accounts. PLEASE BEWARE OF APP-STAR.

    To Whom It May Concern:
    I am a local business owner, in Galax Virginia, and have lived in the area my entire life. I have been in business for 20 years. During this time I have never had anyone to come into my store and blatantly lie to me as did your previous employee Joel S. Niten. He came in and wanted to take a look at my current merchant account. I was very busy and didn’t have the time at the moment, so he just waited and was there for probably two hours total. I let him look at it, because I didn’t want to be rude and just tell him to leave. He explained how much money he could save me compared to my current company. He ask me to sign the paper to give him permission to look into it further. After he left I tried calling him. He never would return my calls. I am very busy as I run my business alone. So I assumed there would be someone contacting me, sending me something in the mail, I never received anything, and had no idea how to contact the company. On July 14th I searched the internet and found a way to contact your company, talked with George ID 7030 at ext 2849. I explained to him how there had been no contact, and he told me to go online and view my statements. This is when I realized I had been paying all the charges that I wasn’t supposed to pay. I called George back and found out the copy of the contract I had was marked with Xs and notes that were not on the one he had. I explained everything to George and he said nothing could be done because Mr. Niten was no longer with the company. Mr. Niten also told me if your company could not save me money compared to my current one I would receive my money back. After I was able to review my statements in July I seen during the first quarter it cost me $155.19 for 32.00 in sales. Boy what a great savings.
    I needed time to consult my lawyer and show him the papers I had, He has advised me to send this certified letter in writing requesting all false charges be returned to me by check at the above address and cancel all contracts which are null and void due to misrepresentation of your company. He explained to me even though the Mr. Niten done his scheming and quit your company, or got caught and was terminated. You company would still be responsible for your employee during his employment with you. I request to have no further business with you company, and advise you to better screen your employees, and have someone to contact clients after they have left a place of business.
    Thank You
    Kathy Dowell

  • Marje Stampfl

    Only wish I had had the time to look at reviews of this company. You always get the telemarketer routine when you begin with them, then the fees begin to climb. You try to complain but when running a business (motel) and checking people in and out at the same time you’re on the phone it’s almost impossible to find an agreeable level of charges.

    And then you sell the business to retire and the run around begins. We sold the business in July and just received a bill for August for the pin debit account. Upon calling on this question I stated that I was still awaiting word from them as to where to send the machine. Certainly not going to use it in my retirement. Only now I was told to contact Merimac who now insists on the final year payment of a 3 year contract of $200 plus and, return the machine.

    I so pray that new business people will see these reviews and take heed. My purpose now is to inform anyone local I run into. Possibly the Better Business Bureau?

    Processing credit cards is the only sad part of doing business. Thank you for listening.

    • Judy Rocca

      I am sad to read another company has been scammed by Appstar Financial and Merimac.
      After going through the same experience I wonder if all of us who have experienced being scammed by these two companies came together and contacted the Attorney General in California (Appstar) and Texas (Merimac) might they finally look into the practices of these companies.
      Small business owners have a challenge from the get go.. it just seems impossible that there is not any help out there to STOP THESE COMPANIES FROM STEALING!!!! Who holds these companies accountable for their accountability?
      The way they conduct business is just wrong!!

      • kathy dowell

        I have a small business in Galax Va. Had a appstar rep come into my store when I was busy. He told me he would like to check rates and compare with my current merchant account, if I would sign to do a trial basis with his co. and if they could not save me money I would get my 100.00 back under no obligation. He told me so many lies, and after he left the business card with the contact info apparently had bogus phone numbers because I could never get in touch with anyone. Had no idea how to contact the company. Several months went by and finally after researching online I got in touch with them, I had never gotten a statement but was told to go online and look at them, it was then I seen how much they had charged me. I told them I no longer wanted anything to do with their scam. then they started harassing me saying I owed them a $500.00 fee then the next thing I knew it went to over $600.00 now they say they are taking me to court for over $800.00 in fees. Do you really think they can do this?

    • Tony

      The only way to get any action from these scam artists is to file a complaint on the BBB website in San Diego, CA. They try very hard to keep those complaints off of their rating in order to continue to reel in other unsuspecting victims. That is how I finally got them to go away….. These guys are the scum of the earth!


  • unhappy

    Monthly maintenance and annual fees are ridiculous. They may save you money on rates and per transaction fees, but will make up their money elsewhere. And when you cancel your contract, get ready to be treated like scum of the earth. Never have I had such a rude and pushy experience with a financial company in my life!

    My personal opinion: Go with COCARD (TransFirst) if you wanted to be treated with 110% customer experience and loyalty. I have used them in the past with another employer and have now just gone back to them again. NEVER will I use another company.

  • Judy Rocca

    January 26, 2011 I signed a contract with AppStar. I opened a boutique and my neighbors daughter just started working for the company. I told her I was open to considering the company if their prices were competititive and fair. She told me she was going into training for 3 days and made an appointment for the third day.
    She came to the store with the equipment and called her boss Juan Palazzo in San Diego. Over the phone he taught her how to set up the equipment and then she handed me this contract with many pages and said sign . here…here and here.
    She did not go over the contract with me and neither did Juan. They did not explain the contract terms, pricing or the fact the merchant activity machine was actually contracted with another company. I made the comment…”there are so many pages…maybe I should read through this first”. With Juan on the phone she stated…it is just your standard contract….you have nothing to worry about.
    The only information they did give me was the American Express and Discover Card were billed differently than Visa and Master Card. They made sure I understood that!!!
    One year into the contract I called them because my partner disappeared and I needed to understand the contract. I spoke with Robert Close. I told Robert in the last year many reps from other companies advised me after reviewing the contract…I was being overcharged incredibly and on top of that was renting a merchang activity machine that had a Momentum 4500X sticker on it. It is not a Momentum and I was paying over $80.00 a month for a machine that is worth $250.00. Robert did work with me and lower the fees a bit and then told me he could do nothing about the contract with Merimac, but he would contact them to see if I could get a better rate.
    For a while I was charged $79.00 for the machine and then without any notice it went back up to $89.00.
    How could they have me sign a contract with Merimac but have not ability to talk to Merimac about their fees…services, etc???
    Robert told me I had a 3 year non-cancellable contract with AppStar and even if I closed the store…AppStar would still demand payment.
    Within the next 2 years I called in often with issues and always told the technical person I was talking to I still was being told my fees were higher than I should pay.
    Well I made it through the 3 years and actually closed my store last week 7/31/2014. So that meant I completed my contract plus!! Called and spoke with a Stacy who told me I had a new contract and would be required to pay monthly fees regardless of the fact the store was closed and I would not be using their services. I asked to speak to her boss and she told me a Harry Mort was her boss and he would call me back.
    I received a call from a Joseph who said he was the Supervisor of Operations and he was calling on behalf of Harry Mort. I explained my store was closed…contract ended and that when I talked to Stacy she told me they automatically extend the contract and I am obligated to pay. I asked him why they are not required to contact the customer when the contract is about to expire and he told me that was not their responsibility. He told me I had no options. I asked to speak to his boss and he told me he was the only one I could talk to….no one else would talk to me. I commented how was that legal…I would be paying for a service I was not using! He responded “it is in your contract”,
    My issue is they do not go over the contract with you and point out anything. In fact in my case I had a Mgr. and a sales rep involved and they were only interested in setting up the equipment!! They explained nothing about the contract (except American Express and Discover).
    Does the company have no accountability for misrepresentation (Merimac Lease) disclosing fees and additional fees before they set up the equipment and coerse the customer into signing???
    I have read the other complaints and there must be some way for all of us to resolve this issue? If the company keeps performing deceptive businesss practices they must be held accountable. How can a company honorably charge for a service they are not providing???
    Of course Juan Palazzo is no longer with the company!!! Surprise…Surprise!! The Sales Rep quit the company over 2 years ago.
    Also Joseph told me all I had to do was tell them I was offered lower rates and if I could show them the proposal of the other companies rates AppStar would match the rates. He said everyone in the company knows that. When I told him he was the first one to tell me that he had no comment.

  • Brian Shevlin

    Robert Close is the horrible unethical lying representative of AppStar that I had to deal with. I also, like every complaint here, was sold by a smiling representative who showed me discounted monthly rates if I switched to their company. After switching, there were more than 10 major mistakes and errors in the first 90 days, including charging me $109 in fees from the month prior to me signing up. When they were unable to do what they had promised, which was to transfer my account to my new account with them, they again charged me 1 month service fees of $69.80 for an account that they were unable to transfer. They are now saying I owe $495 to close the account that they could not transfer. This company’s purpose is clearly to prey and steal from small businesses that are unable to afford expensive lawyer fees to litigate illegal and unreasonable business practices. They lied to me about the actual fees, they constantly charged me incorrect and “accidental” additional charges every single month, just so you would be forced to cancel your contract with them and pay huge fees for canceling the account that they couldn’t provide. Sad, evil horrible business that should not only be shut down, but the people who operate this company should be investigated for criminal behavior.


    I too have bad experience with Appstar Financial I paid my monthly fee for a year faxed the letter to cancel and then they took funds out of my business account Which I had to close to have it stopped. I have contacted the BBB in SanDiego and in St. Louis along with the Attorney General in St. Louis so far no help. How can a company still stay in business with these complaints.

  • Rachael

    Doug came in to talk to us about their merchant fee rates, which we agreed to. My boss had made it clear that this was just a meeting to talk about what they offered, not to sign anything that day. At first Doug was seemed nice, but when things got busy and said I had to go, that changed. I then said I would talk to my boss and call him back in two days and said what time I would call him at. Instead of waiting for me to call he came into the office two days later at the time I said I would call. I pointed that I had said I would call him, to which he responded that he is driving really far to meet me and working around my schedule. I said I didn’t have time to talk with him many times before I finally had to get my boss to make him leave. When my boss came in to tell him to leave, it didn’t go very well. Doug was on the phone with his manager and handed the phone to my boss so my boss could talk to his manager. His manager was very rude on the phone, even asking my boss why he such made poor business decisions because we wouldn’t sign up with them. My boss handed the phone back to Doug and told him to leave. The whole thing was very irritating, long and very unprofessional.

  • Tony

    A representative of Appstar Financial contacted my business and claimed to be able to reduce our credit card processing charges by a large margin. They wanted copies of our processing statements which is standard. The sales rep, David Beck, became very pushy and in a huge hurry to get a quote for my store manager. My store manager was scheduled for a “stress test” and David Beck, who represents Appstar Financial, was extremely persistent that he provide the information that he needed so he could get a quote. He then duped my store manager and coerced him into signing documents with my name in order to obtain what he called a quote, when in fact it was a merchant account for processing services. He then submitted this paperwork knowing that I had not signed or authorized my signature in order to create new accounts. He did so without any power-of-attorney or corporate resolution authorizing creation of any account or any binding contract for my corporation. When the paperwork was returned to my business, it was brought to my attention and I promptly told David Beck that I didn’t authorize, nor did I want any contract with Appstar Financial. He in turn then had a supervisor from San Diego call me and tell me we were obligated for this contract. This supervisor then advised me he would turn me over to his legal/collection department. My company is a corporation and it requires an officer of the corporations signature to make any legally binding contract, which it clearly did not, as I have not signed anything. The only officers are myself and my wife. This conduct is reprehensible and must be stopped!

    • maureen

      All of you, you NEED to contact the BBB. No, NOT because they will help you, they absolutely WON’T, but so they will no longer be able to keep up the fraud of an “A+” rating. Last I checked they had over 200 really BAD complaints against Appstar, but amazingly, hilariously (if it didn’t cost us all so much) continued their A+ rating. I worked with one of the bosses there, and he said his hands were tied, none of us could “prove” Appstar was a scam, we had all “signed” their fraudulent contracts. Obviously, the BBB is not to be trusted anymore than Appstar. I worked with them for MONTHS on this; but it says right on their BBB page that Appstar has “paid” for membership in the BBB, and as I recall from the Dateline special, that’s what really gets you the A+. But I think if that 200 complaints number turned into 500, and then 1000, it would be impossible for the BBB to maintain and explain away the A+ rating. Please help, and lodge a formal complaint, all of you, because that’s the only way to protect future business owners like us, from going thru the hell Appstar put us through. All of you, do you know that Appstar has ruined all of our credit; it has. It is so hard to fight and disprove that.
      In our case, their own rep was so disgusted at our treatment, he QUIT, and offered to testify in our behalf if we wanted to sue them, or if they sued us. Like some of you, we got smart and shut down our business bank accounts (TWO of them!); but at the cost of our credit. I live to see these slimeballs, especially DAVID RASPBERRY, who some of you have mentioned, go to JAIL. Horrible, horrible, unethical crooks and thieves. They will not stop until all of us together make them stop! Report them to the BBB!

      • Tony

        I have submitted a complaint with the BBB and have most of the complaint ready to file with the Texas State Attorney General. I am awaiting their response before I proceed with the AG’s office. These guys are really BAD!!

        • maureen

          Tony — I feel for you. I filed a formal complaint with the BBB, both in Texas and in San Diego, where they claimed to be based out of when I told them the contract was not legal under California law, where we signed it. Guess what? After months of proving to the BBB with paperwork, bank statements, an actual copy of California Law, and proving they were based in Texas and lying, etc………the BBB did nothing. They said “there was nothing they could do,” that all 200 of the complaints on the BBB site were “resolved.” I read most of them. they were “resolved” because Appstar made some horribly unfair “offer” that did next to nothing to rectify the problem. When the business would not accept such offer, as ridiculous and disingenous, the BBB said, repeatedly: “Business (Appstar) made good faith offer to resolve situation, client declined, this case is considered resolved.” It was absolutely maddening. I took it to the top of the San Diego office. They all said they were ‘very concerned’ and saw a “pattern” of abuses. But they weren’t serious. Appstar is a paid member of the BBB. The BBB does not ding the ratings of paid members. Google the story on the BBB in Los Angeles.
          Also of concern: one year ago when I filed my BBB complaint with the San Diego BBB, they had over 200 complaints on Appstar. Now, one year later, they have “208,” SEVENTY of which are from 2013 alone, AFTER they listed “200.” Pretty bad math, there. All I can figure is the BBB is REMOVING the complaints! There were over 8 in the last month alone! You absolutely cannot trust the BBB. Go straight to the Attorney General. Any of us here, I’m sure, will support you with our own cases if you need it. Send them all of the complaints here as well, and on the BBB site; they’re not blind. Good luck to you! Bring these evil crooks down!

  • Michele Murphy

    I am rejecting this response from the Business Appstar. My 3 year quota was up on 8/17/13 and customers should be able to cancel any time before it rolls over to the next year.(Like I did) Not wait thirty to ninety days before it expires in writing . I know It is in the letter I signed back in 2010 but, this is a way for this company to make extra money when My term was for filled and I called to cancel on 8/2/13 to not extend this service.. That means I called 15 days before my term was up that should be sufficient. I signed the documents 3 years prior. The letter that Appstar sent to you saying still keep my account open was because I was changing terminals. Please look into this company for it is trying to gauge small business owners by putting things like. “Cancellation needs to be in writing 30 to 90 days prior to year up.” Calling ahead of time to cancel is sufficient enough.

    NOT SATISFIED!!!!!!!!

  • Brandon

    I was a sales rep for this company. they actually have great rates but there is alot of hiden fees and the equipment prices are outragous. they didnt pay me nearly what i was promised and failed to pay me my final commission. I give them an F

  • Don

    I signed a contract with them and cancelled it within 3 business days. That’s when they gave me a hard time especially the manager Christopher. He called me a lier after I told him why i was cancelling and told me they would charge me the cancellation fee which they did. He was very arrogant and so was the local rep. These individuals woul not work with me and are not very professional, I will not do business with company again and will not recommend them to anyone. The agent also said that the reviews on this site were wrong and not true, don’t believe them.

  • Nick

    The rep Debra Frye came in to sign us up for Appstar, she made changes to the contract, when we got the paperwork in the mail, it was different. We we sent the swiper back and did not proces any transactions. Heard from other merhcants, that Appstar is the worse, $1200 to cancel, and they keep taking $75 per month from your account, plus $95 as an annual feee. Had to close the bank account.

  • D

    I worked for this company for one week and one day. They tell you 2-4 appointments per day is possible. I never received more than 2 per day. I ran 11 appointments. Of the 11 only 2 customers knew I was coming and actually wanted to see me. The rest either did not know I was coming or said they only booked the appointment to get the annoying telemarketer off the phone. Training was over the computer for 4 hours. They went through a massive agreement customers have to sign in about 10 minutes. Then they assign you to a manager and give you an appointment the next day. You have to check in prior to each appointment. After you are asked to leave, get a no or someone somewhat on the fence you have to call and your manager will ask to speak to the customer. Each customer I had I read the right way and knew they were not interested. But my manager insisted she talk to them and when she got nowhere she would tell me to move on and that person was a jerk. Every time you call your manager you are placed on hold because each one is dealing with a sales rep or sales reps in the field. It was terrible. From what I hear all processors are like this. So not just AppStar. Don’t waste your time working for them.

    • Diane

      Im suppose to train on Thursday 2/26/2015, I came across this page of complaints. Now Im sick to my stomach, I saw an A+ from the BBB. I was so excited because of the money I could possibly make. So much for this career move, Im glad you gave a feedback and that it wasn’t just from customer complains.

  • Greg

    I went into contract with Appstar about 1.5 ago. They didn’t pay my cancellation fees to previous to previous provider, as promised, I did not hear from agent since my contract started, even though I left him dozens of messages about it. BE AWARE!!

  • Tom Beecher

    I concur with this website’s review of Appstar Financial negative marketing tactics of repeated telemarketing calls using aggressive methods. Even after courteously informing them we’re happy with our current processing and not interested they continue to call. Time to reevaluate what this is doing to your name “Appstar”; Do not use “Appstar”


  • G. Mayfield

    I had a salesman visit my business from App Starr. Salesman had shady practices selling machines using the company name. Made several calls to the company and ran into a brick wall because company refuse to believe there was fraud on the salesperson part. Calls to set up account were in error which revealed the poor management and customer service of App Star. Appstar has been unprofessional, the salesperson rude and angry because he was exposed for stealing money from the potential customer. Further legal action has been taken.

  • Mike Grover

    While canceling with Appstar I was informed about the cancel fee and the very small window to cancel without a fee. Cost me $595.00 to get away from them. This was after many years with them. I also have never liked their billing fees. Stay away from Appstar!!!

  • Beverly Meneses

    My experience with Appstar is less than pleasant. On May 6, 2013, a rep named Daniel called our office asking to speak to the owner. My daughter answered the phone and asked who it was. I knew it was a sales call and I picked up the phone and said we’re not interested. Daniel says, “Well the other girl said the owner was available. I don’t know what you guys are all about, but I want to talk to the owner.” I told him we’re not interested and to please do not call again. He called three times in succession, each time progressively becoming more rude. The third call he said, “What are you gonna do about it?” after again, we told him not to call back. If their telemarketers are an indicator of how they do business, I definitely would not consider them. A quick search on the internet revealed the numerous complaints about this company. Obviously, they’re not worth doing business with.

  • Lenny

    Man called me at work attempting to trick me into having someone from the company come by our garage tomorrow. I asked what was in reference to and he said credit card processing. I politely said no thank you that we were happy with who we had and he proceeded to hang up on me. I called the number back and was prompted to join their do not call list and that they had purchased their leads from Dunn and Bradstreet but apologized for any inconvenience. 2 minutes later the SAME person called me back and I said you just hung up on me and now you are calling back. He responded with something like “well I get this all day people saying no, and not even giving us a chance and you aren’t the business owner so I dont care about anything you have to say. I asked him if this is how his company does business, to which he replied, yes, i am just being honest. I informed him that I am the office manager and make all calls related to our credit card processing and that we use the company our owners daughter works for so we will not be changing. After hearing that his attitude changed and he said ok and hung up. I just couldn’t believe the nerve he had hanging up mid sentence the first time and then calling me back again. If I were anyone I would NEVER do business with this company and I feel sorry for anyone who already has.

  • Jared

    I signed up for appstat about a year and a half ago under the impression I was not in a contract, I hate contracts, weather its my lobby rugs, telephone, uniforms etc.. I went to close my accout and they said I was in a 3 year contract and had to pay $595 to get out of. Everybody I talked to just kept reading the same scribt about the contract and verbal aggrements dont count.
    The papers I signed said nothing about a contract, but the fine print references another set of documents that they dont give you that says the 3 year term.
    I was lied to my my salesman and now hes gone, I owe $595 or If i stay they can give me beter rates now. I dont want to do business with someone I cant trust and you cannot trust appstar.
    Even if you stay for 3 years the window to cancel is very small, and then it auto renews for another year, but it says it all in the 20 pages of fine print that they dont give you and isnt anywhere on the contracts that you sing, but they can email it to you later.

  • Karen

    The complaints here about the salesperson and the cost of services and their collection practices is all too familiar. I did sign up with these scam artists but ended up never using their service; not even once. The cost was to be $29.95 per month plus a percentage for each sale processed and a small per item charge. The cost was negotiated to be less than what I was accustomed to with Paypal so I decided to sign up. Some months later when I discovered someone was taking $65 and $64 per month from my checking account, I contacted my bank to put a stop on the charade. I then realized who it was and immediately overnighted by FedEX a termination letter to three locations of AppStar. I explained to the salesman at the outset that I rarely use credit card payment services. In fact I have such a rare need for them that I FORGOT I had signed up with them until I discovered the charges which soon discovered had accumulated to over $500. When I received an acknowledgement from AppStar of my decision to terminate, they told me I would have to pay a $640 termination/cancellation fee. I told them I was not giving them one more dime for a service I NEVER once used. The man, David who phoned me the other day, says that it is stated right in their contract they will not honor salesmen’s agreements. Hmmm… Not even if it is writing on their Agreement form? So now they are going to file a report with the credit bureaus on me personally about my non payment for a business agreement. They have attempted twice to collect the $640 from my bank account using different ach names. Fortunately I bank with a small town bank who watches out for me. These people truly are scam artists. Watch out for them. I wish I’d looked at the reviews before I signed.

  • Jamie Bellows

    I had an agent come to my business to give me a quote. He came at 11:30 in the morning. I am the sole owner operator and employee of my business. He said he would be able to save me over $150.00 a month on my credit card services. First I would have to lease the equipment credit card machine,pin pad and check reader from them for 60 months. This was at a rate of 79.99 a month but he could get it down to 59.99 a month. Thats $3,599.40 it would cost me to rent this equipment. I asked how much it would be if I bought the equipment outright. Was told the cost would be the same. Then I was told he need me to sighn an application so he could get me a quote rate as to what I would save. Finally after saying “NO” I would not sign anything and he wouldn’t leave. I pulled the “silent partner” (my husband) card and said I would discuss it with him just to try to get him to leave. Still he wouldn’t go. Said he wanted a meeting with my husband. Called my husband knowing he had day off and said I needed his help. Meeting set up for 5:00. Finally he left my store at 2:30 . All the while I was trying to wait on and help customers. 5:00 came and he proceeded to put the pitch to my husband. Once again tried to get signature on application to get rates. This time with my husband saying”NO” he was able to aquire the rates. After some figuring my husband pointed out that I could buy all the machinary on line for less then a thousand dollars. That he might save me $50.00 a month, possibly. At which point the sales man wanted a voided check so we could sign the deal . We said no we would contact him if we were interested. At which point he went off about how could we not sign when he was going to save us $700.00 a year. When my husband finally losing patients raised his voice and told him to leave he did. A VERY BAD experience. And oh yeah he said at the push of a button I would have the thermal paper overnighted to me. I can only imagine the extra cost for that. My opinion is that this is a major scam and people should be warned.

  • Sean'a Puertas

    I have the same story.. The sales agent continued to come into my salon and acted so nice and sincere. As a new business owner I was a little unsure, but he explained everything to me. I signed the contract and now I’m dealing with the devil. 90% of his explanation was a lie! How he worded the contract was false. I have a small town salon and I’m being drown by fees and stuck in a contract that can only be cancelled for $400.00 they constantly charge my acct for this and for that… It’s exhausting! Frustrating! And just unbelievable how backstabbing an manipulative this company is. Run run run run away from appstar financial!!

    • Caroline

      File a complaint with BBB of San Diego, where the corporate office is located. Keep all records of contact, fees, etc. As of right now we are entering arbitration with them. They have done the same to us and have cost us more than $1000.00 ….good luck!

  • Sue

    Appstar contacted us surrounding our merchant account. We had been dissatisfied with our former merchant services, and our contract had just come up for renewal. We switched to Appstar, based primarily on their A+ BBB rank, which I confirmed personally. I guess the BBB is not what it used to be. Our problems with Appstar are that, once we changed over, they began to question us regarding large charges. On one occasion a client charged $6000 for new equipment for their office, and we were not funded for over a week while Appstar “confirmed” with our client by phone personally that she had made the purchase. It made it look like they were checking up to make sure we weren’t thieves even when we confirmed with them that this purchase had been made in our offices. We were furious. Our client was irritated, and it made our business look cheap and not trustworthy. When we called Appstar, they told us that we were only approved for charges of $1200 and that all charges above that had to be “approved” before we were funded. We never discussed this “limit” when they signed us up. The client’s account had been debited the first day, and we paid for the equipment a week before Appstar gave us OUR funds. I asked them what would happen if a client wanted to make a large purchase on their credit card and they said “we would probably have to see our financial statement.” What??? Then he went on to say that in reality that “they were giving us a loan when they accepted our customer’s credit card.” We never had this happen with our old processor–they just sent our money no matter how high the purchase amount. I cannot recommend this company at all. They make you look like you have bad credit or something, even though you have an excellent business and a good rating.

    • Pat

      You cannot rely on BBB ratings anymore. If you are a paying customer of the BBB you can get just about any rating you want. I even had the BBB call my business a couple of years ago and try to get me to join. When I refused, the salesperson threatened me and told me my business could get into a lot of trouble. I did an end around and got the guy fired. However, do not make big financial decisions solely based on BBB ratings. I no longer release any of our financial info to D&B anymore for similar reasons. My company is in it’s 60th year of business, so we are not new to running a business. You can find out a lot about companies on the internet. Take the time to do the research yourself.

  • Anthony

    I was pursued by appstar and how they were the best, there rates were better then my existing provider, however after i signed the agreement with them they gave me a limit to where i can only process payments of less than $500 and then they tell me that i was not approved for my online merchant service. I requested a higher limit but was denied so i was forced to re-open with my previous provider after i closed that account. Appstar will not let me cancel my account unless i pay $500.00. What i do not understand is how they can change what i signed for after the fact. There service is horrible and i was lied to. Now they want money to cancel.

    There service, after the fact and all the sales pitches, was not suitable for my company and was not brought to my attention until after i signed the contract. The issue was that i process payments over $500.00 frequently and i would have to have the customer call and approve the payment.

  • Dr. David Bennett

    STEER CLEAR OF AppStar Financial services. From start to finish they will make promises to get you to sign only to renege on those promises after you sign the contract.. When asked where the contract modification were they said that they will only send an “AMENDMENT” to the contract after the contract is signed.

    VERY untrustworthy AVOID AT ALL COSTS.

    Better Business Bureau of no help what so ever. Don’t know if paid subscription by AppStar to BBB is of any concern.

    [Last paragraph redacted for solicitation violation]

  • Caroline

    I am STILL having issues with this company!!! BBB is a joke in San Diego, they are not helping either! We signed, and changed our minds within 24hrs, but not only did they not honor the cancellation that was made, they took money out of our account each month, sometimes 2 times a month. Each time the merchant transaction ID was different and the amount of the transaction varied by a few cents or dollars here and there so it was hard to stop their unauthorized transactions with the bank. Not only that, but NOT ONCE did we get a statement on our “account” to show what the charges were for!!! *APPSTAR IS JUST A LEGALIZED SCAM!! & it appears no one is stopping them from stealing from all of these small business owners!!! They should have been put out of business long ago, but they continue to make easy money stealing!!!!! IT IS SO WRONG! I rate this company F-

  • robert

    was mislead into signing a contract. after signing, immediately retracted , sent back 2 days later cancelling as instructed, faxed desire to cancell as instructed, now being charged monthly payments, or i can pay $ 400 now to cancel.
    run from these people.i see why they have a d rating

  • Sue Bishop

    This company keeps calling my residence and no one speaks when I answer. I have tried to get my name off calling list, but they have deceptively added it each time. I want them to stop calling and remove my name from their list.

  • Steven

    I too question how Appstar got the A+ rating from BBB! I can assure you, it is not due to their customer service nor their honesty. If you are approached by these people, DO NOT sign a contract with them. They told me that when I finished leasing the credit card machine after a 2 year contract, the machine would be mine. The company that owns the machine says that is not the case and now I am stuck paying $54 a month for a CC machine that every other company gives you free when you sign a contract with them. Further, I have not received a statement for over a year, which is how I found this site….I was trying to locate contact info to find out where my statements were and came across this site and felt COMPELLED to leave a review……my rating….F-

  • Easton Yoder

    Appstar Financial is a scam company do not do business with them. I had a sales rep. come in an promise I would save $1,000 a year by switching to them. after all the fee’s on the bill i was paying 4 and 5% on credit card processing. I call every month to complain they didn’t care. then charged me $495 to cancel service. Stay away from this company.

  • LaVerne Dumas

    I have been with Appstar for nearly three years. During that time they have charged me an annual fee, a monthly statement fee, and taken $$$$$ every month far and beyond anything else I have been paying before. The saleperson talked a good talk and didn’t mention that there was a $450.00 closing fee. I hadn’t read the fine print until later (4 pages). I am trying to get out of the contract 60 days early and they refuse to allow it without the penaly. Don’t get involved with this company, they are rip off artists.


    A rep (Haywood Scott) called from 877-553-1136 which shows on the caller ID as “800 Service” he was very rude and ended up hanging up on me. After reading these reviews, this was probably the best outcome. I called back that number and the automated system immediately gives an option for removal from their call list. I removed all my business numbers and then I went to the website to find a customer service number that would allow me to report the rep. This number is listed on the website (858) 712-0150 but it does not allow you to speak with anyone unless you know a name. At this point, it may not be worth it especially since, as previously mentioned, this is probably the best outcome.

  • Philippe

    I have been called over and over again by appstar, there are pushing it at every phone call. The last person that called me, beside interrupting me every word I was saying, was calling me “honey”, “sweetly” at the end of pretty much every sentences. Forced me to accepted an appointment. Now I am usually contacted on the phone from other company for services; in a year and a half of business I have never encountered a services provider that is so desperate and hard sell mannered. I strongly desappreciate there ill mannered still.
    On one side I appreciate that one person from that company told me about a certain “Durbin amendment: putting the processing fees down 50%”
    But nevertheless it’s too much hard sell for me to move forward with them without questioning everything the might want to say or sell.

  • robert jenkins

    I have been a consultant with this company for several months and have not seen any of the above complaints surface in any way. First, the merchants I have called on about 60% of the time fail to provide a current monthly statement as requested at time of my appointment. This is due to their having no statement from their current peocessor for the last 6 months or longer. Secondly, they are not too happy to even talk to me because they have been ripped off so many times by previous companies. No one undercuts our discount rates and I am a local rep and the only one in a 60 mile radius, so our service is beyond reproach. Previously, I was a banker for over 25 years and pride myself on representing our services in an honest, truthfuo manner. I constantly check back with my customers to see if they have any complaints or need anything else to help them in their business.
    I can say most of the commpanies I commpete against against do ALL of the things we do not do.
    We are not affiliated with “Summit Processing” in Ft. Worth, Tx.

    When Visa/Mastercard lowered their interchanage rates in 2011 App Star was one of a handful of companies who passed on these charges to their merchants. The remainder of companies added these charges thereby raising their rates! DO A LITTLE MORE RESEARCH IN YOUR WEBSITE!!!!!

    • maureen baumgartner

      Robert: You don’t know what you are talking about, because YOU are not a merchant getting RIPPED OFF by them. We made the supreme mistake of signing an “Application” “just to see if you qualify” with a nice local guy (who has now quit in disgust over this nightmare) only one month ago. We were never shown a “contract” and never shown or given the 19 page “terms and conditions;” he just said we could “apply” to see if they liked our credit. Turns out the “application” was a BINDING CONTRACT, it was “approved,” and a week later, they set a “limit” of $500 for our business. We asked how could we be bound to final terms that weren’t decided until AFTER we signed an “application.” They basically said too bad, that’s our policy, you signed. They KEPT our first $8000 in sales, and are STILL sitting on it. We have had NO money since December 17th, and are barely keeping afloat. Harry Mort, the “supervisor,” has made MULTIPLE false promises to release our money, on a DAILY basis, and every day, it turns out he LIED. They charged us over $400 in “processing fees” on $$ they NEVER processed into our account. Harry told me to refund my customers, then run it through again later when they receive their refunds. So I DID, just as he instructed. THEN, he now says, Appstar “accidentally” ran, “on their end” a DOUBLE $4,000 refund (I ran 4k as instructed, then they ran another 4k refund to the same customer “on their end” without my consent. They admit they did it, but now they say they are “holding” our other sales money, $600, hostage “until they get paid back the 4k they mistakenly ran a refund on.” WE haven’t received a DIME of this money, it is all Appstar holding it, and screwing up, yet they take NO responsibility for running a huge refund w/o authorization. I thik they’re lying, they just are using it as leverage over us. Our local rep is so disgusted and downhearted he called me to tell me he QUIT Appstar! Oh yes, more money in FEES this morning, $20 for taken 7 “25 cent per transaction” debit cards. That’s a debit card fee of $2.58 per card on small amounts! This is a scam company that doesn’t even tell you their “application” is in fact a “contract,” and that they “reserve the right” to change the terms after you sign. Harry NOW promises they’ll WIRE money to my account tomorrow “if our mistake is corrected and we’re paid back our 4K” for THEIR OWN mistake. Like every other promise good Ol’ Harry has made, this one too is a LIE! Just Google “Appstar Scam” Robert: and then YOU DO A LITTLE MORE RESEARCH!!! There are THOUSANDS of complaints like mine. In 21 years, we have NEVER dealt with a company like this. Harry says I am not “allowed” to talk to anyone higher than him, and will not give me a number for a higher up. This after I followed all his instructions! His WORD is not good, and he has zero integrity. He just whines: “I tried!” Now we have ZERO money and must borrow to stay afloat! The BBB is PAID by Appstar, it even says it right on their website! There is an AD for them on it, too! Robert, by now I hope you’ve quit in shame and disgust, like our rep did, who is an honest guy. You know thousands and thousands of us aren’t all lying and only YOU are telling the “truth.” Shame on you! Stealing from hardworking small business people! Didn’t your mother teach you morals???

    • Daniel

      I worked for this company and within 3 weeks started noticing more and more shady practices. The same corporate sales manager named “Christopher” in one of the previous comments supervised me. He quit the company April 7, 2014 or so I was told. This company focuses on dimwitted sales people that have a good heart to win over a merchant’s business. The merchant trusting the salesman (who to the best of his knowledge is ethical) takes the bait and signs a binding contract in which they call an application for a better rate. My sales manager didn’t want the merchant to read our “application”, wanted me to fill out the “application” for the merchant, and was not willing to give rates in writing until the merchant signed their life away. I was met with tons of opposition when I asked for details about our contracts and practices. I was repeatedly told that I’m a salesman and not a processing expert or a customer service agent. Which seems impractical since we’re selling on the premise of having a “local rep” available to the merchant. My sales manager tried to bully me over the phone into ripping off people and even took to coercing me into outright lying. I am guessing they didn’t want their salesmen to think and have their own mind even though this a 1099 job. This has been a great experience for me because I met several business owners and learned about the processing industry and this fraudulent company. This knowledge will certainly help me seeing that I am currently finishing up a business degree in leadership and entrepreneurship. I am sorry to all of you who have been scammed. Here is some information on the company: This company does business as Amazon Processing, LLC and that will also show up on a majority of their paperwork as this is the name they use in order to process through Visa, Mastercard, Discover, and American Express. The Leibowitz brothers (Mark and David) who own and run AppStar Financial also own Mulligan Funding, LLC. Appstar Financial purchases their leads for their sales through Dun & Bradstreet, Inc. Also, you may want to take up your issues with the Federal Trade Commission at instead of the Better Business Bureau which is just another company with less viable information than that of Fox News. Hope that helps!

  • Ascar Egtedar, MD

    This company is full of rude, pushy con artists. I never completed my application process yet they continue to charge my office account with false charges and are very tricky about it. Then they charge a $495.00 close fee to close an account I never opened! What a joke!!! You will be sued for non authorized transactions and to all the businesses out there…BE VERY CAREFUL ! This company is horrible!!!

  • David Reite

    Don’t Use Them, They are Scam Company, The salesmen lied to my face when I asked him what something on the contract said! Long story short, it ended up costing us $2.50 more to use appstar per transaction. I called up to complain about it, and cancel an they still wanted me to pay the early term fee. I told them, why when your salesmen lied to me about the % on the contract….Anyways I now have a ding on my companys credit report because of these !#$@#$% In principle I will not pay them.


  • Jack

    In 15yrs of retail and numerous processors I’ve not run in to anything quite as bad as Appstar. The salesman was the most endearing quality within Appstar. Too bad he was terminated after 6 months. Within a year a competitor was able to beat their rates. So as a good businessman I changed processors – save money when possible- This is when the “ugly” side of Appstar appeared. Was told I needed to send a letter stating my desire to close account. Done -out of mind – next days challenges ahead. Well much to my chagrin 26 days later I received a statement charging minimum fees both for my credit card and debit processing. Call them to be told no letter received. Hmmm find original letter and fax again along w printout of confirmation from fax machines prior activities back 1 month. Done – out of mind- next challenge. Week later receive call from person stating they has best rates and how could I leave? Watch me walk out – should have run. 1 month later a repeat of the prior month – no letter received etc etc.. By now I’m close to livid – remaining calm knowing I’m dealing with challenged staff I attempt for the 3rd time to fax closing letter and ask for all fees to be reversed – was told “absolutely not!” That’s when I resorted to 1 “F-bomb” and was assured by the recipient that she would now guarantee my account to be closed. Finally The catch 495.00 to close account and 100.00 to close debit account(never mentioned). So for 595.00$ I am free from Appstar. May someone read this and not become a victim of Appstar Finacial

  • Bill

    the worst ive ever dealt with. They have lied and tapped my account for fees and charges that make no sense. Im going to cancel according to my contract 30-60 days from my anniversary date, but am worried that they will continue to bleed my account because of thier ambiguous contract language stating that they may, at thier discretion, collect “additional” and “other” fees from my account. Has anyone had any success with issuing a stop payment at thier bank to keep these vultures out? If so, what kind of fallout ensued?

    • Norma

      I tried the stop payment but it didn’t do anything and now will be closing my checking account. So I am sure collections will follow by these vultures. I also feel lied to.

      • TIna

        I ran two seperate businessess and therefore had two seperate accounts with App Star. Had the same problem with them saying they never received my cancellation letters. They continued to take the monthly fees out of both of my accounts for 5 months! Back in November they finally acknowledged my cancellation letter and took a hefty $495.00 fee out of my checking account. Around this same time I closed my other business and closed that checking account. I thought since I no longer had a checking account for them to rob, I was in the clear! WRONG! They went ahead and took the other $495 cancellation fee from my other business! Both businesses are LLC’s so I thought that offered me some protection but they said because both accounts had my SS# as a back up, they could take the money from any of my accounts! BEWARE! All in all they got roughly $1600 out of me!

  • Gem

    My recent story is so egregious, it is disgusting. The AppStar sales rep came into my retail store in the morning. I told him now was not good. He was persistent and listed off other merchants he said he had signed up. I then gave him my contract with my then provider, for him to review while I waited on customers. He came back to me and said they could beat the terms. I said what would be the lenght of my contract and any termination fees. He said, ” that is the beauty with AppStar, there is no contract. You can get out whenever you want and there is no termination fee.” He then highlighted where I needed to sign to implement the terms he had discussed with me. I signed where he had highlighted. He then gave me my copy of the application. I’ve seen discovered I have been hit with an annual fee of $95. I called the company to get an explanation since this was never disclosed nor in my application agreement (which is all he said there was…and I never received anything except that). The guy over the phone tells me my contract references the annual fee. I tell him I have no contract and what the sales rep had told me. He said he pulled it up and would be glad to send me a copy. I said no, that they had to honor what had been represented to me. He said for me to read page 4 of my application agreement….I looked at my copy the rep left me. He had taken out pages 2-4 so I would not have a copy of them to read later. I talked with 4 people today at AppStar. Each one was defensive and had no concern whatsoever about the sales rep’s tactics, deceptiveness, etc. I have filed with the BBB, hopefully they’ll do something. I am filing with my Attorney General’s Office also. Also, I let our merchant association head know. P.S., I have left 3 messages on the cell phone of the rep from the business card he left me. He has yet to call back, and one was from over a month ago.

    • Chang

      My name is Chang doing deli in sorrento valley area.
      I have almost same experience with you.
      Could you update me the next story?
      I made contract last december and I am still using Appstar but I really want get out.
      they charged $125 this month for PCI compliance again.


      • Norma

        Your only option is to close your bank account and go rogue to make them work with you. Hopefully you did not enter into a lease agreement for any equipment. I was told that I was going to be given equipment and then I found out after I signed all the paperwork that it was a non-cancellable lease. I am not even the owner of record for the company and they are trying to damage my personal credit because I signed. I am now in settlement talks. I am not going down without a fight. Hurt my credit, way overcharged for several hundred dollars worth of equipment. I wish I could give you some good news, but I am on a mission now to make sure no one uses this company if I can help it.

  • Phil Hewett

    I was considering becoming an agent for AppStar, but after reading a few of these I’ve reconsidered. I’d be interested in the results of your full review. Is this the same AppStar that used to be based in Texas? Why did they leave?

  • Bridget Connelly

    We had the most bizarre experience with this company yesterday. It seems that they feel harassment is the way to go to get new clients. On Monday, someone from the Appstar office called and spoke with the person who works at my front desk (who happens to be my mother.) They said they would like to bring some information about their company. My mother said it would probably be a waste of time, since we are very happy with our current company. He said he would just send someone with some forms for us to look at. On Tuesday, one of their agents arrived with a form that had already been filled out and ready for me to sign. When my mother told her we were not interested, she said she needed to call someone from her office. So she went outside and talked on the phone and reentered about 4 times. Every time she came in my mother was more and more definite about how uninterested we were. I run a Pilates studio and it is really distracting to have this going on during a class. On the fourth time she reentered she handed my mother her cell phone and said my boss wants to talk to you. When my mother said she did not want to speak with anyone on her phone, this woman insisted. My mom told the man, very adamantly, that she didn’t want to be involved with their business in the first place but now there was no chance of it at all. After she hung up that phone, the man called the phone at my studio and told my mother that SHE was being unprofessional. I was not surprised to see all of this company’s bad reviews.

  • Todd

    I cancelled by merchant account back in June, to be effective on my one-year anniversary in August, to avoid the cancellation fee . AppStar continued to charge me a monthly fee, despite the fact that there was no activity on the the account. When I called them to complain about the fees and reiterate the fact the account was still opened, AppStar stated that they did not received the signed letter, and that they were only willing to cancel my account for a $495 fee. What?! They stabbed me in the back with the monthly fees, and then raped me with a outrageous cancellation fee.

    What a mess!

    Stay away from AppStar Financial. Process at your own risk…

  • Tracey Hartley

    I signed a contract in late Jan 2008 that renews automatically every year. I called this summer to cancel when I closed my business and I was told that to avoid a $495 cancellation fee, I had to send something in writing 30 – 60 (maybe 90) days prior to the anniversary date in order to avoid the cancellation fee. I have continued to be charged almost $40/month in monthly fees, including almost $8/month in a statement fee. I am upset about two things. First, they charged me a “compliance fee” last week of $124.75 for an account that they know is closed because I told them this past summer. Okay, fine, that’s understandable. BUT, when I called today, I was told that the amount would not be refunded or even prorated when my cancellation is finally effective. The lady I spoke to today said that I was told wrong this past summer because I cannot cancel early by sending something in writing, but that in order to cancel AT ALL I have to send it in writing 30-60 days before my anniversary date. I am irritated that I have to keep this checking account open to continue $40/month in fees, but I am FURIOUS that they will not issue a refund of a compliance fee that I did not SPECIFICALLY agree to, but because I didn’t opt out of it, they are charging me.

  • Daryl Cipperly

    I would like to let everybody know how unhelpful Appstar has been for me. I closed my business on March first of 2011, and my contract is not finished until September of 2012. I have contacted Appstar a couple of times to see if they could do something about the early termination fee of $495.00, and so far they have told me that they can’t do anything. After I spoke to them the first time back in March I did the math and my monthly fees would have been about the same as the early termination fee, so at that time I decided to just ride it out until the contract was up. The other day I got a notice of insufficient funds from my bank, and what I found out was that it was another fee from Appstar that I was totally surprised by. I went back through and looked at my contract again and discovered that the wording in the contract stated “early termination of this agreement MAY result in an early termination fee of no less than $495.00”. The “may” portion is what I am having a problem with now. That would lead me to think that somebody who was able to make a decision could look at the facts and work with me, but so far I have not found that person. If anybody has been in this spot I would certainly like some advice on how to find the right person to talk to. Thank you for your time.

  • Jeanette Driskill

    VERY misleading! Salesperson looked at my previous contract and told me there would be no problem canceling this service. I was in a 3 year contract. Now AppStar won”t let me out of my contract. We also had requested a much higher daily limit then we received and was told they could up the amount after looking at our checking account balances. Well we do not keep all our funds in our checking account and it is really none of their business, they said we had a good credit rating. Our main item is a $5000.00 piece and our salesman knew this going in. I am very unhappy and would like to get more information on how to get out of this contract!

    Thank You!

      • kathy dowell

        Well I have been dealing with the harassment from Appstar and First American Payment System now for about 7 months.
        I have found out after filing complaints with the BBB that Appstar claims to have no association with First American Payment System. First American Payment System is the name of the company that will continually harass you with screaming phone calls threatening you because they say you owe them over $600.00 for canceling your contract. Of which most people never knew they had in the first place. I am currently dealing with a company called Commercial Services Group, Inc. 2401 Stanley Gault Pkwy Louisville, Kentucky. which I thought was an independent collection agency. I had received a letter from them stating if I did not send the proof that the debt was invalid within 30 days then they would assume it was valid. I got all the proof together all 30 pages of it, I had copies of all the stories from everyone on this site, along with the papers the sales rep left with me. On these papers (a so called contract) I made the sales rep put everything in writing that he told me, how this was a trial to see if they could save me money and how he needed my signature to check my current rates, among other things. So I called them today to get a name so I could send it all certified mail to a certain person. The man that answered the phone, I realized later was the same person I had already sent the papers to by email that the sales rep left me with. This is a copy of his email reply:
        I’m sorry I should have been more clearer, the Contract states that nothing written on it is valid. anything that will be included must be on an Addedum sheet.
        So he would not even listen to me, he just kept saying the things the rep wrote on my contract meant nothing. unless it was on a separate addendum sheet. and he kept saying that the salesman was not a representative of his clients company. How crazy Is all This?!!! While talking to him It was just like I was talking to the same group of people, I’ve been dealing with for 7 months, threatening to ruin my credit and so forth. Does anyone know, are these people all in together or what? So here is a copy of my email to him.

        Kenneth Sutton

        Today at 9:55 PM
        I called you company today to get the name of someone there, so I could send (by certified mail) all the proof I had gathered, stating this was an invalid debt, as your company had ask for in a letter I received (copy attached). You stated to me, the information regarding your client, that I was going to send meant nothing, and it would do no good to send it. I ask you to send me that statement in an email.

        The documents you have sent are copies of papers filled out and signed by Joes S. Niten. of whom you stated earlier was not a representative of the said creditor, your client (First American Payment Systems). You also stated in your previous email that anything he wrote on the documents included, is null and void unless it is written on an addendum sheet. The copies of the papers he left with me, which was another copy of a bogus contract, (that I sent to you in a previous email), you also said meant nothing. see below:

        Kenneth Sutton

        I’m sorry I should have been more clearer, the Contract states that nothing written on it is valid. anything that will be included must be on an Addedum sheet.

        From: Commercial Services Group to Kathy Dowell Jan 28.

        So it seems to me that you and I both have a set of papers you call a contract, of which nothing written on them is valid or means anything. Filled out by a man who is not a representative of your clients company.

        After speaking with you on the phone today, evidently Commercial Services Group, is also owned and operated by the same people as Appstar, and First American Payment System. You are all in this together, because you were not concerned about this being a valid debt, you did not want to hear about the proof I had ready to send you in writing, that this was all a scam, and that it has happened to a lot of people trying to make it in the small business world, but I am sending part of it to you anyway in this email.

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