Formerly Known as CardFlex
Located in Costa Mesa, California, Cliq is a merchant account provider that previously operated under the name CardFlex.
Cliq Payment Processing
Cliq processes most major debit and credit cards for standard-risk business types. Their services include chargeback management, POS solutions, mobile solutions, PCI compliance, prepaid cards, tip-management, expense cards, card-n0t-present payments, payroll, and ACH solutions.
Cliq Location and Ownership
It is unclear whether all of the restrictions applied to CardFlex will also apply to Cliq, but it seems likely that at least some of the injunctions against CardFlex’s principals will endure. Cliq resells Cynergy Data contracts. Cliq is a registered ISO/MSP of WoodForest National Bank of The Woodlands, Texas; Evolve Bank and Trust of Parkin, Arkansas; and of Stride Bank, N.A. The company is headquartered at 2900 Bristol Street, Building F, Costa Mesa, California 92626. Andrew Phillips is the president and CEO of Cliq.
Cliq Review Table of Contents
- Costs & Contract: Cliq typically offers a three-year contract through Cynergy Data with a Liquidated Damages-style early termination fee.
- Complaints & Service: Cliq has received over 10 public complaints.
- BBB Rating: Cliq has no rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
- Sales & Marketing: Cliq appears to rely primarily on inside sales agents but has received a few complaints about its sales team.
- Rates & Fees: How Merchants Got The Best Rates With Cliq
12 Responses
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 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.
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.
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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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…
This company is dirty! Everything is shady!
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.
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.
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.
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!!!
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.
Hi Luisa,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!