Overview
In this review of Cliq, a merchant account provider based in Costa Mesa, California, we'll take a close look at their services, including chargeback management, mobile and e-commerce solutions, and recurring billing. We'll evaluate the effectiveness of their mobile payments system, how they integrate with e-commerce platforms, and the strength of their security and fraud protection measures. Additionally, we'll assess the quality of Cliq's customer support and go into the specifics of their contract terms, fees, and rates. We'll also examine common customer complaints, industry ratings, and the impact of Cliq's legal history. This analysis aims to give businesses a clear understanding of Cliq's services and their reliability as a payment processing solution.
About Cliq
Located in Costa Mesa, California, Cliq is a merchant account provider that previously operated under the name CardFlex.
Cliq Products and Services
Payment Processing
Cliq processes most major debit and credit cards for standard-risk businesses. Their services include chargeback management, POS solutions, mobile solutions, PCI compliance, prepaid cards, tip management, expense cards, card-not-present payments, payroll, and ACH solutions.
Mobile Payments
Cliq offers tools for businesses to accept payments via mobile devices, such as smartphones and tablets. This feature caters to the growing importance of mobile commerce, providing customers with a modern and convenient payment method.
E-commerce Integration
Cliq supports easy integration with multiple e-commerce platforms, allowing businesses to manage their online stores with minimal effort. This integration optimizes the online checkout experience.
Security and Fraud Protection
Cliq prioritizes transaction security by implementing advanced fraud prevention measures and using cutting-edge encryption technology. This approach protects both businesses and customers from potential fraudulent activities.
Recurring Billing
For businesses offering subscription services or requiring ongoing payments, Cliq provides a recurring billing feature.
Customer Support
Cliq offers dedicated customer support with a team of knowledgeable professionals available to assist businesses with any concerns or issues related to their payment processing services.
Holley Hoffman
As an attorney, I’ve represented several merchant clients regarding outrageous early termination fees, being wrongfully placed on the Terminated Merchant File, fraud, breach of contract, etc. against Cliq when it was known as CardFlex. There was a disturbing pattern of conduct on their part that resulted in many merchants being destroyed. I’m assisting with such a case in New York where my client was forced to file his lawsuit when CardFlex changed jurisdiction to avoid lawsuits in Orange County where its corporate offices are located and where I filed my lawsuits. I’m very interested in hearing from other merchants who have experienced the disgusting CardFlex/Cliq practices. Please contact me at my email address. Thank you.
Cliq
Cliq has reached out to the moderator of this site and we have not been granted access to reply to the comments made above. We are not a bank or financial institution, and apologize for any grievances many of you have expressed with your financial institution. At Cliq, we strive to provide the best level of service possible and continue to make improvements year after year. We thank you all for the feedback and would love to discuss any issues further. We are always just a Cliq® or call away.
Phillip CPO
We offered Cliq the opportunity to participate in our Complaint Mediation Program, wherein they can work with us to resolve customer complaints. To date, they have refused to participate in this our program.
Andy Phillips
Hello Phillip,
I was directed to this site today. Frankly, I was taken aback. First, the lawyer representing herself as Holley Hoffman shall be communicated with directly. It would appear that she is attempting to use this site as a method of advertisement.
Ms Hoffman did in fact represent a client that Cliq serviced in 2010. The case has been dismissed, with prejudice for a variety of reasons. It is public, so feel free to look it up if you so desire. She states she has sued CardFlex for defrauded merchant(s). As stated above, the represented one merchant, even after it was proven that her client had forged documents as his evidence of wrongdoing, thus being terminated by two prior attorneys.
Ms. Hoffman then solicited information from a former disgruntled employee through your site.
Cliq is both an Acquirer and an issuer. I was not aware of the cardholder complaints. I know that we take customer service very seriously. Out of the hundreds of thousands of cards we issue, rarely as it really is a science, but mistakes to happen. We do our best to resolve those issues, but sometimes, as the Program Manager, we don’t even know about them.
I am happy to answer any further questions you may have.
Ryan
Complete nightmare as someone who receives pay through the system. My account has been locked and I can’t get representatives to unlock it and as someone who is now outside the US the card is useless without contactless/chip and pin. Please do not put your employees through this, pay them to their accounts.
Peter Rossmann
As someone being paid via a Cliq card, it has been a nightmare so far, it is not at all convinient, I don’t know at all how much I get charged to do anything with the money on the card and I really would prefer if my company just paid my wage into my bank account and skipped this mess, as that’s where the money is going anyway.
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K
I worked there for 3 years. Absolutely the worst shadiest place to work for. I am surprised they are still in business. They changed nane to Cliq to be less obvious for what they used to do. Their new fraud is to use merchant ACH account and use it as their Ginny pig . When cash flow is low why not…
Raofi
This company is dirty! Everything is shady!
Holley Hoffman
I would be very interested in hearing more about your employment with Cliq. I filed lawsuits against them when they were Cardflex. They defrauded and ruined my clients. I’m helping a client now who has filed in New York (CardFlex changed jurisdiction to avoid suits in Santa Ana) and would appreciate any insight you could give me. Thank you.
Holley Hoffman
I was never a CardFlex employee. I’m an attorney who has sued CardFlex for defrauded merchants, and I’m assisting an attorney who is suing CardFlex in New York on behalf of a client of mine. I would be happy to speak with you, I’m interested in hearing your story. If you want to discuss your case, please call me at (619) 890-8683. I look forward to hearing from you.
Tomasz Wlodyka
The worst bank ever. Horrible customer service. The money was not back at my account, even after the lady from the service told me it will be in a few hours. Never, ever try to open account there.
Lorraine S Booth
Absolutely awful company, would not recommend at all. My daughter worked at a camp in America for the summer, they paid her wages on to a Cliq card, she then had 3 weeks travelling before her return to the UK. Her card was lost/stolen and despite numerous calls/emails to the company verifying who she was, they refused help, they refused to transfer money to another account, they refused any options other than to send a replacement card to the camp that she was no longer at. The staff are rude and arrogant. As parents, we cannot believe they would not help a young female in a vulnerable position in a foreign country. Their service was non existent, their staff are appalling, i fear we now face a long process to retrieve the money still on her card. Avoid this company at all costs!!!
Luisa Spagnoli
I highly recommend the services of this company. They helped us set up our merchant account with ease. The customer support is excellent and the care they give their clients is top notch. The fees are also very reasonable as well.
CPO
Hi Luisa,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!