Low Complaint Total
We are currently able to locate more than 10 Cliq negative reviews, some of which accuse the company of being a ripoff or a scam. A large portion of online complaints about the company appears to have been posted by a single merchant who was upset about a large fund-hold, but the remaining legitimate complaints do express some worrisome trends. Multiple merchants report similarly large fund holds, very high early termination fees (over $1,500 in most cases), and unexpected rate increases after signup. Recent complaints express frustration with the company’s new payroll system, which enables businesses to pay their employees via reloadable Visa prepaid cards rather than by direct deposit. The company has responded to some of these complaints in a professional tone and resolved a few merchant issues, but the content rather than the quantity of these reviews has dropped the company’s grade in this section to a “B.”
Cliq Lawsuits and Fines
In July 2014, the Federal Trade Commission brought legal action against CardFlex, alleging that the company knowingly and illegally processed “more than $26 million in unauthorized consumer charges on behalf of a company called I Works.” According to the details of the case, CardFlex enabled I Works to establish over 300 different accounts for shell corporations and split payments between 30 different business accounts in order to process fraudulent transactions without alerting the card networks. CardFlex settled the suit in March 2015. As a condition of the settlement, CardFlex is now prohibited from processing payments for certain merchant categories.
In 2019, a lawsuit was filed against CardFlex involving a skincare company whose account allegedly had misinformation on it that caused chargebacks in large amounts, and eventually caused the closing of the account and massive fees leveraged against the skincare company that were never returned. The case appears to be ongoing.
In February 2021, CardFlex was sued by a skincare product retailer for a complicated set of issues allegedly caused by CardFlex, primarily focusing on a large amount of held funds, an inability to fix the issue with CardFlex, and an equally large fee leveled at the retailer when they attempted to cancel their account. This case is still in litigation as of the writing of this review.
Cliq Customer Service Options
Cliq offers a dedicated phone number and contact form on its website, but it is unclear whether these lines are serviced by Cliq or by Cynergy Data. It remains to be seen whether Cliq’s rebranding or its FTC settlement has caused the company to correct some of the problems voiced by complainants, but the company does not rank among the best merchant account providers for great customer service at this time.
We have located a single Cliq customer service number:
(866) 634-3044 – Toll-Free Customer Service
Cliq also offers a customer support form on its website.