Merchant Lynx Services Review

Merchant Lynx Overview

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A Multi-Location Credit Card Processor

Merchant Lynx is a merchant account provider based in Palm Beach Gardens, Florida, with offices in Georgia, Pennsylvania, New York, Illinois, and Arizona. Merchant Lynx also goes by the name Groundhog Enterprises and claims to have entered the credit card processing industry in 1994, but the company’s Better Business Bureau profile reports the company being found in 2006 and we have located no complaints filed before 2005. Merchant Lynx uses iPayment for its payment processing network and First Data Global Leasing for its equipment leases.

Merchant Lynx Headquarters and Ownership

Merchant Lynx is a registered ISO/MSP of Esquire Bank NA, Jericho, NY, with headquarters at 348 Hiatt Drive, 2nd Floor, Palm Beach Gardens, FL. John Kucyk is listed as the president and CEO of Merchant Lynx.

Merchant Lynx Services Review Table of Contents

  • Costs & Contract: Merchant Lynx offers a three-year contract through iPayment with a $495 early termination fee and an expensive long-term equipment lease.
  • Complaints & Service: Merchant Lynx has received more than 100 public complaints.
  • BBB Rating: Merchant Lynx has an “A” rating with the Better Business Bureau and has received 54 complaints and 303 reviews in the past 3 years.
  • Sales & Marketing: Merchant Lynx has received a high number of complaints about its sales practices and sales representatives.
  • Rates & Fees: How Merchants Got The Best Rates With Merchant Lynx
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Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • E-commerce
  • Restaurant

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Merchant Lynx Rates, Fees, and Costs

Key Points

Swipe Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $495
PCI Compliance Fee $159
Equipment Lease Terms 48 Month (locked)

Merchant Lynx Pricing

The standard Merchant Lynx terms and conditions describe a three-year agreement through iPayment with automatic renewal for one-year terms and an early termination fee of $495. Multiple merchants also report a PCI Compliance fee of $159. Other fees, such as a monthly minimum fee, a statement fee, or a rate schedule appear to vary from merchant to merchant and can be found on a separate document known as the merchant application.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Merchant Lynx also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates may apply to these e-commerce services.

Contract Complaints

There are currently a high number of merchant complaints about most of Merchant Lynx’s contract terms, from the expensive early termination fee to non-cancellable, 48-month equipment leases through First Data Global Leasing. Responses to merchant reviews from the company confirm that there is a $99 application fee to be paid upon submission. Though the fee is refunded after approval of the application some merchants have reported difficulties securing that refund. Merchant reviews also detail a monthly lease payment of up to $85 over that 48-month term. Merchants also report other undisclosed fees and higher-than-expected rates such as being charged in excess of the flat monthly rate they were initially quoted. Overall, there is no information online that suggests that Merchant Lynx Services offers competitive contract terms. Public merchant reviews of Merchant Lynx’s pricing and fee structure are consistently negative, so merchants are more likely to see savings with a top budget merchant account provider. See the Merchant Lynx program guide.

Are you happy with your Merchant Lynx fees? Tell us about them before your go!

Response from Merchant Lynx

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Merchant Lynx Complaints & Customer Reviews

Key Points

Total Online Complaints 100+
Live Customer Support Unknown
Most Common Complaint Hidden Fees

High Complaint Total

We are currently able to locate approximately over 100 Merchant Lynx Services complaints, and the majority of these complaints outright accuse the company of being a scam or a ripoff. Common issues include nondisclosure of contract terms, misrepresentation of rates, expensive contracts and equipment leases, aggressive sales tactics, and poor customer service. Some of these complaints appear to have received very unprofessional rebuttals from company representatives, but most have not received any sort of response.

Merchant Lynx Lawsuits

Merchant Lynx is currently the defendant in a federal civil suit filed by Liberty Salad, Inc. The lawsuit alleges that Merchant Lynx charged unauthorized rates and fees following a sales agent’s nondisclosure of the company’s program guide. This case appears to be in settlement talks. Merchant Lynx was also investigated by the office of the Florida Attorney General in 2014 in response to allegations that the company “violated Florida’s Deceptive and Unfair Trade Practices Act” and “engaged in telemarketing without holding the telemarketing license required by the Florida Telemarketing Act.” As a condition of the investigation’s termination, Merchant Lynx paid over $40,000 in fees.

Merchant Lynx Customer Support Options

The consensus among complainants appears to be that Merchant Lynx Services does not offer reliable customer support, and many merchants report instances in which they were unable to reach any representatives at all for extended periods of time. It is unclear at this time whether the contact information on the Merchant Lynx Services website leads directly to a customer support staff. This supports our decision not to include Merchant Lynx in our list of top-rated merchant account providers for great customer service.

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Response from Merchant Lynx

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Merchant Lynx BBB Rating Summary

Key Points - BBB

Product & Service Complaints 27
Billing & Collection Complaints 15
Advertising & Sales Complaints 12
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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.

Over 50 Complaints

As of this update, Merchant Lynx Services has an “A” rating with the Better Business Bureau and is showing 54 complaints filed in the last 36 months. Of the complaints, 27 are due to problems with the services or products, 12 with advertising or sales issues, and 15 with billing and collection. Out of the total, 13 were successfully resolved, while 41 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

Despite 54 complaints filed with the BBB, Merchant Lynx has 303 informal reviews on its profile which average a rating of 5 stars. 295 of the reviews are positive while only 8 are negative One complainant details continuous charges:

What a scam! Merchant Lynx continues to keep our business account information on file even though we never received any equipment or service from them. They continue to access our account with erroneous fees.

Merchants stuck in a similar situation should understand how to take the necessary steps to cancel an account without paying a fee.

A “D” Performance Overall

In light of the company’s complaint total and resolution ratio, we have adjusted the BBB‘s rating to a “D” for the purposes of this review.

How has Merchant Lynx treated you? Tell us about it here!

Response from Merchant Lynx

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Agents

Merchant Lynx Services appears to utilize telemarketing and independently contracted sales agents to market its services. These practices usually result in a high complaint rate, as they are structured to motivate sales agents to sign merchants up for the most expensive contracts possible. Merchant Lynx appears to be no exception, as we are currently able to locate numerous Merchant Lynx reviews that describe deceptive sales practices by the company’s agents.

High Volume of Sales Complaints

Multiple merchants report nondisclosure of contract terms, misrepresentation of rates, and high-pressure or aggressive sales calls and practices. We have also located multiple reports of unprofessional behavior by sales agents, including leaving a sales meeting suddenly to avoid providing specific information and engaging in fake phone calls with their employer to reassure a merchant. These types of complaints have remained consistent and even possibly intensified over the last year.

Definite Red Flags

Taking into account the high total of Merchant Lynx complaints that echo similar frustrations with the payment processor’s deplorable sales tactics, we have assigned the company a “D”  in this section. If you suspect that Merchant Lynx is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Did you get what you expected from Merchant Lynx? Tell us why, or why not.

Response from Merchant Lynx

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Merchant Lynx Marketing Example

Merchant Lynx Logo

Our Opinion of Merchant Lynx

Not a Competitive Option for Most Merchants

Merchant Lynx Services rates as a substandard merchant services provider according to all available information. The company offers expensive contract terms through iPayment and appears to sign merchants up for costly long-term leases through First Data. Additionally, many merchants have reported behavior by the company’s sales agents that ranges from unethical to rude. The high volume of complaints filed against the company has earned Merchant Lynx a place among the worst merchant account providers. Merchants are encouraged to read their contract terms carefully before signing up for this company’s services.

We rely on your feedback about Merchant Lynx to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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84 Reviews Leave Your Review for Merchant Lynx Below

  1. Beatriz was an amazing help to a customer in distress.
    So thankful.

  2. Diane Ramsey says:

    So angry… salesman’s misrepresented all the details
    Sounds so great has you sign an iPad and you don’t get any of the terms…. the terms i was told were wrong !!!!!!! Can’t even read my email i supposedly signed because it requires a password that i wasn’t given and doMy have the ability to set up. Could you be more dishonest ?????

  3. Maria T Chapa says:

    I completely agree. They don’t disclose all the information that a merchant needs to know. When I took my complain to them, they mock me. I ask to speak to their supervisor, instead I got another employee that make himself pass as a supervisor. They just washed their hands saying that they were not responsible for whatever promises the contractors or independent sells person promise. That is totally wrong. Then merchant lynx should not have contractors or independent sells persons because that reflects on them too. At the end of the day they don’t care as long as they get our money. It doesn’t really matter by what means they get.

    1. Brian Clark says:


      Since sales staff may not review these, make sure you understand which contract terms you should avoid when signing up for a merchant account.


  4. george says:

    i am going to my attorney. this steve khym is a
    snake and a liar. stay away from him and the
    company he represents

  5. Vivo says:

    Allentown Pa ! steve khym this guy is great con man! Told my father who is 60+ no contacts the machines and free. Even when we showed him the documents showing he was lying he still said they were free. One month later $150 first data charge in the bank account. Steve has now ghosted us and won’t return anyone’s phone calls. The company won’t do anything as well. We will be taking this to our lawyer who knows the DA.

    1. george says:

      i am going to my attorney. this steve khym is a
      snake and a liar. stay away from him and the
      company he represents

  6. Shirlene Erwin says:

    Issues with Credit card in the Risk department. Holding funds, it was a fraudulent charge, this batch 419 was reversed with batch 425. Holding our funds from Batches 420,421,422,and 423.

    1. Brian Clark says:


      This article may help: How to make a payment processor release your funds.


  7. Mel Sherif says:

    Do not ever use this company, they charge you amounts that not mentioned in the contract, percentage WRONG, pooooooor customer service and really it is BAD. Again, please stay away from them.

    1. Patricia says:

      Did you get to end the contract with them? I have been trying for a long time and have been unable to do so!

  8. Randy Jacobs says:

    Merchant Lynx Services in my opinion is 5 star company. With 24/7 customer services support, helpful and courteous staff members. The staff is always prompt. I have been with other merchant services and none compare to this company. They have great rates and next day money guaranteed. Keep up the great work. I would recommend this company to everyone.

    1. Phillip says:

      Hi Randy,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  9. Sheri Ralston says:

    We have not gotten our funds from LINX in 2 months. Customer service either doesnt answer or doesnt have answers when someone picks up. Says they will have someone call me bacl but they dont. We have suspended processing with them until they pay us what they owe.

    This post will help: How to Make Your Payment Processor Release Your Money


  10. Concerned Citizen says:

    Merchant Lynx should not be trusted! They set businesses up on illegal surcharging programs — They convince business owners that they’re allowed to surcharge every card type by 3.99% when you’re really only allowed to surcharge credit cards. This puts businesses at risk of being banned by card brands! They also push businesses into signing outrageously expensive, non-cancellable equipment leases. They are dishonest swindlers. Do not trust them!

  11. My experience is bad.
    I was advised by sales manager John Dill to give up my 2.49 % fixed rate for V M D , surely when I got my May bill (open interstate) rate ,I paid about 3.6 %
    It’s been one month that I am asking John Dill and his Staff at merchant lynx to change it back to the 2.49% one month and they ignore me don’t call back
    Many deposits into my accounts were short, and often I had to fight them on no deposits day after.
    I can’t do business with those guys. Bad experience. When I told them I may be interested to buy Pos they were visiting me almost daily. When I changed my mind about the Pos treatment changed
    Stay away save your money

    This post will help: Best Merchant Accounts for Restaurants


  12. Dave C says:

    Ive been a client of MLS for nearly 4 years now and am looking forward to another great year with them. They have gone above and beyond to provide me with consistent and accurate funding without issue and provide additional features through their processing that help me grow, and grow fast! They are great for small businesses and will accommodate your needs from top to bottom. Thank you MLS!

    1. Phillip says:

      Hi Dave,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  13. Diaa Jamhour says:

    Merchant Lynx Credit Card Services Bad experience not recommended

    From The Editor
    This Post Might Help: Best All-Purpose Credit Card Processors

  14. I’ve asked this company to remove us from their calling list, but they rudely refuse. They are not “Merchant Link Services”. Merchant **Lynx** Services is a similarly named company riding on the reputation of a decent company. Really, if you have what it takes to compete in the same market, make a real and unique name for yourself. I’m not going to the grocery store to buy Foldgers coffee. I want Folgers. I don’t understand why anyone would trust their business to a company who tries to scam them from the very beginning of the relationship.

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  15. Jon says:

    I don’t have the service but the harassing phone calls trying to solicit my business is ridiculous. I’ve asked representative to take me off list numerous times and they still keep calling and calling 2-3x a day. I will not use or recommend the service.

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  16. marcelo semblat says:

    the worst merchant services in the world they put some transaccions on hold to verify and its been more than 2 month then and i didnt recive it yet
    I sent them all the information they needed to release it and they did not incluided the customer stataments the worst customer service does not return calls, they lie to you, william who is superbly the manager does not do anything to help you they treat you like a spam instead of realizing that you are a customer of them it is incredible how they can hold you money for 2 months without anyone claiming the transactions and with all the information they asked me to send.
    Finally I already changed merchant and they told me to sue them because they can not keep the money for so long without justification and probably want to keep it

    From The Editor
    This Post Might Help: Why Credit Card Processors Hold Funds

  17. Igoromelkin. says:

    Have my own restaurant business, and started to use this company about 6 month, I wouldn’t recommended to some businesses have contracts with Merchant Lynx, My experiences to have business with this company bring me to many troubles, service they provided terrible bad, still waiting money from my customers 10 days, can’t operate my business with service Merchant Lynx provided, Never recommend to sing contract with them, highly risky to your business.

  18. Bernard's Jewelers says:

    We are a family owned business in Grand Prairie, TX since 1969. Signed an agreement with Merchant LYNX Services on 12/09/17. Equipment never showed up. They began auto-drafting what they termed as a “Customer Service Fee” from our business account on 12/18/17 and again on 01/18/18. I called, explained the situation on 4 different occasions. Couldn’t get them to respond had to call our bank to cut them off our account! We were never reimbursed us for the fees they took. I would not recommend this company to anyone!!

  19. Sovannthan says:

    I was new to the whole Merchant processors. I first signed up with my bank. It was going well but the rates were incredibly high. The good thing about my old merchant account was that every year they deduct the early termination fee. (5 year contract)
    When a representative came in and mentioned that my processor is a big rip off and cost way to much that I should sign up with Merchantlynx, (not knowing that I just got sucked into a wormhole). They promised and guaranteed that they will buy out my contact with ( I will call it) Merchant A. Mind you that never happened. When Merchant A charged me an early termination fee, I contacted MerchantLynx, they told me they do no such thing. I tried contacting the representative that came in, he completely fell off the Earth. Of course I was debited $295 from Merchant A even though it was a 5 year contract and I stayed with them for a year and it didn’t dry me out.
    Anyways I finally made a decision after 2 years that I was going to close my business. On my contract it stated that I will not get penalized if I decided to move on from MerchantLynx. I contacted Customer Service and was told that if I have proof that my business is closing that all fees will be waived. I signed all required documents and even sent in proof my business was closing on said date. 1 month later I was charged the Early Termination fee of $495. I called to try and clarify why I was being charged when all required documentations were sent. They told me that it didn’t matter, they saw fit to still charge me the fee. Even though they had explained that if a business is no longer active it voids all contract.
    I thought this was the end with MerchantLynx sure enough they charged me an annual fee of $179 for a new year! (Pending chargeback)
    Avoid MerchantLynx if possible! Your contract means nothing! And if you terminate they will still try to suck up your last dime!

  20. Todd Nappi says:

    I cant accuse these people of stealing however I can say that the company culture is to mislead the customer into thinking they will save money and have smooth transactions.
    My first few transactions went through without an issue, then, I posted some larger transactions. Not only were the larger transactions withheld, without any official notice (you have to notice on your own that your money is not coming through, they do not notify you at merchantlynx, nor do they tell you clearly which transactions they are hoding back nor do they tell you when they will release the money, nor do they ask for all the supporting documents at one time, such as a copy of invoice from customer, a letter from you bank stating your account is able to receive ACH withdrawals….These people actually tried to REMOVE funds from my account a week after the funds were deposited. The customer did not chargeback, they simply wanted to hold the funds until they finished review.
    So, they were holding about $12K of my money, before we signed on we made clear that we usually earn about $25K to $50K per month in credit card payments, and I showed them my past statements, showed we never had any chargebacks too.
    They called me on the cellphone while I was in traffic, I said I could not talk at the moment but the “William” a risk assessment employee proceeded to tell me he was going to hold my money until I came up with various paperwork and he was unhappy that the money he tried to pull out, my bank would not allow him to withdraw. My bank saved my butt because this guy tried to take our entire monthly earnings only 3 weeks after we signed on with merchantlynx. In ordee to sign on we were already scrutinized, already submitted paperwork and all was reviewed.
    I could get nothing in writing as to how much money they are holding, when they would return it. Then they wanted the names, phone number, credit card numbers of my customers…information that was already input when we processed the charge.
    I began using “Square” while this was going on with merchantlynx and Square has excellent service, a great website that can generate invoices online…merchantlunx tries to scam you with a $70.00/month terminal some old school, bulky thing with a receipt roll that no one uses anymore.
    I never want to hurt anyone’s business. I have to tell you though. You simply cannot trust merchantlynx. Call and ask for supervisor…you wont get one.
    I promise you, you will have serious aggravation and seat of pants policy making from merchanlynx. The company will take your money and if you do not notice, the money will be gone until you pursue them. After half hour on the phone, they will give you hours of homework like no other bank, card processor or service requires. William asked for one or two documents every few days, not all the items at one time, so he dragged on the delays in receiving my hard earned funds. I nearly gave the money back to customers and asked them to send checks. Then when he finally released the money, it was with a stern warning that they better have access to my funds to take them whenever they want them. Now, merchantlynx does not even process the credit card, they use “Authorize,net” another company actually runs the car. Merchantlynx is only a middle man charging you a redundant fee. This is NOT a credit card processor but a nickel and dime monthly drain on your bank account. Say, for instance you are a very small business like a plumber and you just processed a customer payment for 10K. You might have $15K in your checking account. You spend $7K on materials, have $8K left…well, merchantlyinx, just on a whim, will pull back that $10K charge, leaving you with a negative balance in your bank account! Then hold you hostage until you submit all kinds of redundant paperwork. They will not put in writing what they are doing. It is all heresay.
    I can prove this, I am happy to. One day this company will get what they have coming and be punished for their actions. I hope that I am called upon to support whoever it is that will serve merchantlynx their death sentence. There are several services out there Do Not use merchantlynx you will be sorry. Wehn a cheesy salesman from Merchantlynx calls you and wants to come to your business, tell him NO!

  21. BODY SHOP says:

    This is the WORST 3rd party rep for statefarm glass claims!!! Hopefully statefarm can get someone that knows what they are doing. I had a rep from this company try to get me to put in socials of my employees

  22. Frank says:

    Worst company ever. Fees went off the roof after just a coup,e of monts depiste their promesses. Costumer and tech support are awfull… If any! better off with Square, at least you you exactly what you are going to pay.

  23. Doreen McClurkin says:

    This merchant is horrible. The sales rep promises you savings per month. When you get done paying fees for not one but three accounts there is no savings. They charge you multiple fees then promise reimbursement. The reimbursement takes weeks to get and they tie up your money when they took it right away from your account! I would not recommend them and if they take any further fees that require reimbursement I am going to report them to a governmental agency.

    1. Jaron Rice says:

      I’m sorry you’ve had to deal with that, but sadly that’s a common theme. I’m in Pasadena, Maryland so I come across a LOT of MerchantLynx accounts.

  24. We used this company in 2012. They are the worst that I have had to deal with CC in over 20 years in business. Slick salesperson but after that not good at all. I point blank asked if there are ANY hidden charges and the answer was no. The early termination fee is hidden on page 3 in the small print. Make sure to look for it because it is also a 3yr contract. The PCI charge of $159 is charged when ever they want to charge you. RUN from this company.

  25. Jon says:

    JUST DONT! 1 Star is too much credit. They will sign you up even if you do not want their services. We decided not to go through with this company when the representative advised us we will need a new terminal as ours “was not compatible.” We paid for our system and did not want to lease one from them. The representative still opened the account and we were charged a monthly fee even though we do not receive any services through this company. They are even trying to charge the 500 cancellation fee after we called about this unwanted account. Of course, the representative who came to our location can not be reached and no one ever returns our calls as they tell you when you call. Just avoid the headache and do not provide any information to this company.

  26. Alize says:

    This company is the worst. They are the type that will add little charges here and there just hoping that most people won’t notice. They added a $4 monthly fee and said it was directly from master card so there is nothing they can do. This is a total lie as I am a smalll business bookkeeper and work with many merchants and no one else had this charge from MasterCard.
    They give you the run around and work on trying to drive you crazy just to get you to go away. I will be canceling and I don’t even care if it costs me hundreds of dollars to do so. I am worried about this 4 year contract with first data for the machine. Ugh

  27. Charles Francis says:

    Call to cancel and told them not to bill me a $99 fee for EMV fee would no longer using system and closed account. Been customer since 2012. Not only did they bill me but charge early termination fee. Took 8 phones calls and Everytime put on hold promised they would look into it. Send this send that all it was bull last call two supervisors and the final was too bad contact your bank. Last people I would do business with and will tell every business owner I know to stay away. Just bull

  28. MGOW says:

    The biggest mistake we made is using this company as our card processing company。 We are dealing with a service provider who is so awful, unfair business practices and deceptive sales tactics, bad serves, hidden fees, bad business ethics, all bad things, you name it. Complains about this company are all over the internet. But ML is still in business and continue to rip off merchants. I wonder under what law this company is operating. We need to keep calling State Attorney Office. This company needs to be shut down by authority to avoid any more victims.

  29. Oscar says:

    1910 Distribution Co
    Acct #: 4228997200040926
    Contract Signed:7/28/16
    Equip Installed: 8/2/16
    1st Trans Date: 8/8/16
    ML offered great rates & we changed our previous CC provider. What they didn’t tell us is that their cust serv is horrible, they hold initial deposits for weeks & they dont offer assistance with PCI compliance in effort to add fees. My overall experience has been that they treat customers as a foe rather than a commercial partner.
    1st sign of bad service was on Aug 8th when we filled out the PCI compliance questionnaire. Its a complicated process filled with a ton of very tech terms. We tried working through this process yet we didnt have any prev guidance from ML or knowledge that we would need this. I called & after an hour on the phone I still had no hands-on customer support & or solid answers. We spoke to a person in PCI compliance that instructed us to answer all the questions YES. We did that & submitted then received notice that the test failed & we had to make changes to our server & operating systems. If we dont make these changes we will be subject to heavy fines & fees.
    Our business is mostly cash, check & terms but we use CC processing to bill ONE customer. Their transactions are charged wkly & avg around $30,000 a month. Our first wkly transactions totaled $6863. After a couple of days we noticed that the funds had not been deposited into our account, at that point we called cust serv.
    I had sensed a culture of bad serv but the second call confirmed my suspicions. Everyone that we talked to was rude & not helpful. Their hold times are very long & we were transferred to various depts before finally being told that the risk dept is who we should talk to. We were not able to immediately able to reach somebody. I finally received a call from Ben Grimes & he said the transactions were over our avg. This didn’t make sense considering that our monthly avg is well above that amount. They requested 3 months bank statements & copy of 1 invoice. We sent this info over to them the next day expecting that our funds would be released. They came back needing with more info which we sent. Days later Ben states that its still in investigation & that he had trouble contacting our cust. This is odd since we called them numerous times through the process. Keep in mind that we have been dealing with customer for 6 years & have never had any issues. You might think that this is an isolated issue yet my colleague is going through the exact same problem with his company Texas Stone Creations. His charges are closer to $20000 & his money is being tied up exactly as our is. Seems more like common practice rather than an isolated incident.
    I called to cancel the acct on Thurs 8/18/16. After a very long time on hold & various transfers we finally got a hold of the cancellation dept. They stated that we would get a call from corp in 24-48 hrs. I didn’t get a call & called back the morning of Mon 8/22/16. The person in cancellations stated that I had made a call at noon & they still had 3 business hrs to contact me. The day passed & I received no call. On the morning of Tue 8/23/16 I called again. I spoke to Cristina in cancellations & she said that they had 48 hrs to call me from the previous Thurs. I told her that time period had expired the previous day. She then said that it might take them about a week to respond to my cancelation notice. I was speaking to someone in the cancellation dept yet she stated that she could not help me. I asked to speak to her supervisor & she said that there were none on site. She also said that nobody in her office would be able to help since only someone in corp could call me. I then asked for the number of someone in corp & she said that that number was not available for her to give.
    We have sent all of the paperwork requested & they have made contact with our cust. On 8/23/16 we still have not received funds. I also have $20,000 that are ready to charge yet I can’t process ML.

    To make matters worse I received a nasty email from Ben Grimes stating that we were in this situation because we had made charges we were not authorized to do. Unauthorized? We have been dealing with our customer for 6 years and have never had any issues until I mistakenly signed up with Merchant Lynx.

    1. Xw says:

      I repeated that it was the biggest mistake to get involved withML. The rate they charged Avg. 3.7% while out contract rate is 1.85%. It is very difficult to find one to talk to to clear questions and issues. The sales agent disappeared as soon as we signed paper he provided. He never return calls. It is a horable ripoff, scam company.
      We got charged $99 on sept. 11 for no reason. I called dust serv and was told to get refund in 5-10 buz days. There has been issues(s) every month. We are so exhausted dealing with ML. If you can, get out, the sooner the better.

  30. xw says:

    As I wrote before that it was our biggest mistake to get involved with Merchant Lynx. There is not service at all. At the beginning of each month, we have to call or email Merchant Lynx to clarify the fees charged to our bank account. There have always been over charge than the contract rate. On June 9 its sale pushed us to sign a 36 month leas contract for chip card reader device, It cost $150 to buy it. Merchant Lynx charge $32 per month and told us it would start working in two or three business days. Now it has been two month. The device as not been active and now one called us or show up to tell us what to do. Its customer services promised us to contract them as soon as we could they would take care of it. We emailed them many times for over charged fees for April and June. No idea how long it will take for the customer service to have hands on our issues. For the chip card reader, its customer service kicked the ball to First Data which we never had contracted. It has been a very, very painful experience dealing with
    Merchant Lynx and it is exhausting. This company should be out of business so no more victim. We still have to keep fighting with it until we get ourselves out of jail.

  31. xw says:

    This is a very, very back company. Authorities should shut it down to avoid more victims ripped by them. All the reviews told the truth. We had fee and other issues outstanding for four months. We email them and called them. They always had excuses, either not feeling well, sick or away from office. We spent tons of time dealing with them. Problems have not been resolved. Now they are going to charge a one-time fee for the chip card which is not in the contract. Please never get involved with this company. We made a big mistake and got stuck.

  32. Jim says:

    I’m glad I took the time to review this company and I’m glad I found this website. At the same time, I feel bad that all of you who signed with Merchant Lynx, thinking you were doing what you thought was best for your business, turned out to be the wrong one. I wish you all good luck with resolving your issues but know that because of your feedback, one small business owner isn’t going to fall for their b.s. I called the guy who came to see me and told him about all of the bad ratings of who he works for and all of the complaints left on this website. I also told him I have known one of the guys in the video above for about 6 years now, so I called him and my friend told me to stay away from Merchant Lynx as well. He was friends with one of the two owners, Phil, from when the company started and that’s why he was in the video. Good luck to all of you small business out there. Just know that your efforts of feedback have helped someone and there will be one less victim for Merchant Lynx to feed off of.

  33. ramiz sinanaj says:

    I signed up with this Merchant Lynx about 4 months ago. What a mistake, they didn’t send card processing hardware they didn’t process a single transaction. they just cancelled the account and charged me $500. and the customer relations department isn’t in anyway considerate. this company is a scam.

  34. Charles Brauer says:

    They lie, they cheat, they steal. My original contract was an enticing 1.7 on MC/VisA. Within 1 year it is 2.75. The sales rep is MIA. My addendum says month to month processing. They claim 3 year contract with $495. early cancellation penalty. I have sent the addendum to them 3 times, yet they have no record of it. STAY AWAY FROM THESE CROOKS!

  35. Mike says:

    This is a scam 100%.
    We signed for on account they fraudulent created a second account. And then they start to take money from my banking account.
    We even did not start to do business with them but they were stealing money from my account.
    With a lawyer I forced them to give part of my money back, but the rest of my money was gone because they said they use a third party and was this thirth party responsible for the rest of the money.
    Of course they did not know who were this thirth party.
    Be careful with these thieves

    1. G says:

      Mike, what is the name of your company? I’d like to speak to you about your experience with MLS. I had a similar experience, and I think if there is evidence of MLS doing this to more than one person, our case will be stronger.

  36. Leah says:

    Their claim of “NO FEES” is just a big fat lie. They have fees for EVERYTHING. I recently got a $189.00 “enhanced security package” fee in the middle of the month that I never asked for or agreed to. There is a monthly $14.95 iaccess fee to get into your account–and since they went paperless you basically have no choice but to pay it. A $99.00 application fee, a $10.00 signature fee–yep, a signature fee! A $5.00 monthly statement fee, a random $25.00 fee that I have NO idea what for….and in March 2016 a notice that all my promised percentages (1.99%) were all increasing. I used the Waltham, MA office and the account executive, was Karen Druziak. The last time I looked (May 2016) their rating with the BBB was an “F” and not a “C” as it states on here. BEWARE!! Do not use this company. I wish I had looked before I signed.

  37. Raed Ayoub says:

    Where do I begin, a Merchant Lynx salesman came into my salon with the promise of having my cc fees reduced dramatically, showed me an example of what my bill will look like. Everything looked great and signed on with them, first 3 months everything was perfect, exactly as Steve Kim(sales Rep in NY) presented, then on the 4th month everything changed, all of a sudden , i got bombarded with all of these extra fees adding to a total of $200 – $300 a month extra. Now my statements were higher than before i switched, i curse that day i signed on with Merchant Lynx. Have you ever called the customer service #, you are on hold for a good 45mins to an 1hr, i cant tell you how many hrs i have spent on hold and every customer service rep i got in touch with said there is nothing they can do and they will have my sales rep contact me or someone from Merchant Lynx. months passed i still i have never received a call or email from either one, so i just bit the bullet and dealt with them. After a yr goes by, Mr. Steve Kim walks through my door as if nothing happened and i explain to him exactly what has happened, he smiles and says why didn’t you try to reach me, at that point i wanted to choke him. He tells me that i need a n ew chip terminal and he is going to make sure i get the rate that i was promised, this time i have him write everything out, word for word, months go by and nothing has changed, not only am i getting charged the extra fees but now my rate has jumped from 1.7 to 2.7. I call and email Steve Kim and no response, i also receive a nice bill from First date telling me i signed a 48 month lease. I am now involving a lawyer and would like to see if we can start a civil law action suit against this company. I did after extensive research get the Merchant Lynx headquarters in NY. I went to their office and demanded i speak with someone, Vic the VP spoke with me regarding the matter, he was polite and spoke with me regarding everything but his only resolution was that rates go up and there is nothing he can do, so then why have me sign a contract, if the contract i sign is not upheld, looks like i need to go to court bc First Data wants $4000 for me to cancel the terminal, i now have been using a different processor and they are great and honest. Here is the information: Vic Fattore(VP os Sales & Marketing) [REDACTED – contact information], 411 Theodore Fremd Ave, Rye NY 10580, just in case if anyone needs to get in touch with them directly and not be on hold for hrs. If anyone has any advise on how i can handle First Data, i would be greatly appreciated.

    1. xw says:

      I had similar nightmare experience as yours. Same pain…. In my situation, on top of the 48 month contract, ( I am in the second year), thye added a chip reader machine lease contract with additional monthly charge of $32 for three years. The First Data chip reader only costs $149 online sale… I have read so many complaints about Merchant Lynx。 I hope for a class action….

    2. Jay says:

      I am going through the exact same nightmare. In fact, my sales rep was also Steve Khym (he uses Khym not Kim). This scam-artist made me sign a non-cancellable lease contact with First Data, while Khym insisted that I am signing a cancellable contact – no disclosure and I don’t even have a copy of the lease agreement. I thought I was the only victim and Khym made a mistake. No response to my many many emails and phone calls. Their Customer Svc Desk is absolutely helpless – they are all the same scam artists. How do we stop this company ripping-off these poor small merchants? Can we initiate a legal action? BTW, did you resolve the lease contract with First Data? I now owe close to $5,000 to First Data due this scam-artist, Steve Khym’s fraudulent sales. I am thinking to bring these cases to public media, like New York Times, Newsdays, ABC, NBC and CBS etc.

      1. Raed Ayoub says:

        Hi Jay,

        I am going to court to nail these scam artists, A court date will be set within the next 15 days, i wanted to make sure i get as much as evidence as i can how they scammed me before i took it to court. Now its on! Im suing them for
        $5,637.05 , that includes all the overcharges, cancellation fee and the terminal rental. Every month i pay the stupid fee for my terminal and i dont even use the terminal, i switched to another company because i was sick of the overcharges and my rate kept going up. I hope one day i get to see Steve Kim, on all my contracts thats the way he spells it, Karma is Karma. Where are you located?, Shoot me an email so we can discuss this further, [REDACTED – personal contact information]

      2. Joe says:

        Hi Jay,
        I too am interested in what action you had taken. I too have been scammed by Steve Khym and was told the same pitch. I’m sorry I did not do my research beforehand. I was tired of my old credit card companies rates but in all honestly they were better than what fees I am seeing with this company. Any news or updates you can provide me with would be great. Thank

        1. rich says:

          Im in the same situation, please help

    3. Lee Ann Barberis says:

      This guy Steve Khym scammed me also, I did sign the lease and he was going to give me a copy never came back, (haha and an free iPad also)I cancelled with them and paid the $495.00 fee, what a rip off, If I would have has the lease I would have had my lawyer check it out and would have 2 business days to cancel……I was with BOA with no monthly charges, why would I sign this….he filled in the amounts later….

    4. Court says:

      Steve Khym also came to my business. He was very friendly, knowledgable and low pressure.
      He reviewed my credit charges and showed where he could save me money. Every question I had, he answered properly. I was very interested but was too busy to complete the transaction at that moment so I asked him to come back another day to finish. He returned on that Friday with the contract so I started to review the details. The contract he showed me was poorly copied, the top was blurred out and impossible to read. I asked him why the contract didn’t have the Company name on it. He acted nervous and immediately circled some small print in the middle of the contract “the name is right here” he said. I put my glasses on to read this ridiculously small print and showed him he had circled the wrong words. Actually the name Merchanlynk Services did appear elsewhere on the contract but in tiny letters and not as if Merchanlynk was the originator of the contract, but more like it was subordinate to some bank.
      Steven Khym got more and more flustered as I quizzed him on why the company name wasn’t on their own contract and he stammered that no one had ever asked him that before.
      I continued to read the contract and pressed him on several details including why I couldn’t read his handwriting where he itemized the “no charges for equipment” and “1.99% on all charges“.
      Finally, he got so nervous that he said he felt insulted that I was questioning every little detail. I repeated that the fact that his company hid their name was worrisome and made everything else suspicious.
      I asked him to erase the pictures of the checks he had taken to start the process and crossed out my signature and told him that with all due respect, I was not comfortable doing business with him or his company. He left in a huff and I then looked up his name and found this site.

      From The Editor
      This Post Might Help: Top-Rated All-Purpose Merchant Accounts

  38. I never got past the application stage and they set up an account and charge my checking account monthly even though they have never processed a payment. I have spoken to them on the phone , have faxed and mailed correspondence and they still charge may account for monthly fees and more They charge my checking monthly anywhere from $10 to $90 to $495.

    Are you with Merchant Lynx? Learn how to resolve this complaint.

  39. Richard Karlen says:

    Merchant Lynx Services should be shut down by the authorities! They took unauthorized fees from my checking account. Merchant Lynx Services does not provide their phone number on either their account application or their client statements, but, instead the phone number of their processor, ipayments. ipayments, which takes the funds from my banking account says they can not assist me with the account nor can they provide contact information for Merchant Lynx Services. I have filed complaints with the BBB and Massachusetts Attorney General. Do NOT DO BUSINESS WITH MERCHANT LYNX SERVICES.

    Are you with Merchant Lynx? Learn how to resolve this complaint.

  40. cindy says:

    I cannot believe this company is still in business. I switched from one processing company to Merchant Lynx. I was told they could save me over $100.00 per machine, I have 2. It ended up costing me about 200. per machine each month with all the hidden fees. I cancelled the contract 2 months later (Sept. 2015) and am still getting bills for any little thing they can think of. This month was 179.00 twice for annual fees. This company is a RIP OFF!!!!!!!!!!!

    Are you with Merchant Lynx? Learn how to resolve this complaint.

  41. Max Gow says:

    My biggest mistake for starting my restaurant business was to sign a contract with merchant Lynix. My business account keeps getting charged with fees that are not in the contract. Emails to the company got no response. I don’t understand under what law this company operations. Hope no one repeats my nighmare experience. Never sign up with this company. They should go out of business

    Are you with Merchant Lynx? Learn how to resolve this complaint.

    1. Gow says:

      Thanks to CPO! Merchant Lynx took my case very seriously after I posted comment on CPO. My case was put in the capable hands of a lady. Her first name is Tyana. I sent her a spreadsheet with all the fees charged, dates, amounts and ref and marked the items I had questions. She reviewed my spreadsheet and identified the root cause of the issues immediately. She corrected all errors by Merchant Lynx, cleared all confusions and answered all my questions. She is outstanding. I am quite happy now.

  42. Mark Barton says:

    I thought I had a similar resolution but I just got charged $ 189.00 twice for compliance fees. It’s been 3 months since I thought this was resolved. Now it’s starting all over again. I’ve never delt with such a corrupt company. Beware!!!

    1. max gow says:

      my account got charged the fees are not enough in the contract. They opened a 2nd account for my business without my knowledge and they kept charge me. If has been three months that the problem was reported to the company. They funded me a small fee but the main problem still exits and I am still getting charged the fees I don’t even know what they are. Under what law does this company operates?

      Are you with Merchant Lynx? Learn how to resolve this complaint.

  43. Mark Barton says:

    This company misrepresent their rates and fees in order to get me to sign a contract. Once I began to process cards it came to my attention that they had established a second contract at a higher rate. They used the signature page from the original contract to establish the second contract. That is fraud and forgery which is a federal crime. Then they had the audacity to send me a copy of that contract by email. That is mail fraud and also a federal crime. I immediately requested that both accounts be closed. They were not they dragged their feet for more than 90 days in order to justify charging me substantial termination fees. I am currently in contact with my states attorney general.

  44. B Ryan says:

    This company charges way too much for processing. They charged me a $159 annual fee in December after I dropped the company in august. They charged me a PCI compliance fee in May of $159. The new company only charges $30 for PCI and no annual fee. When I called Merchant Lynx to ask for a better processing rate they raised my rates. Do not do business with these people.

  45. Julie says:

    As of today, I believe Merchant Lynx owns me $4,154.65 in overcharges for my two business locations. I was double charged for PCI fees and annual fees. I was told it would be refunded. It was not. I was sent wireless terminals which I told them I did not want. I sent them back and continue to be charged for them. The company that provided our online ordering cancelled the service, I was told by Merchant Lynx that they would not charge me a cancellation fee as I was continuing to use them in my stores; they charged me $495/location. I was charged fees for 5 months of service which they did not provide while I was still using my old credit card provider. I talked/emailed my contact at Merchant Lynx and he has refused to respond to these claims. I asked for a copy of my contract, which I didn’t remember signing; I was sent the contracts-the signatures are not mine nor is my address mine. My attorney sent them a letter outlining the problems/overcharging to which they refuse to reply. I have since switched to another credit card processor but continue to be charged by Merchant Lynx. I have filed a complaint with the Attorney General, will follow up with a complaint to the BBB and will go with all the other options listed on this website under “How to Report Bad Credit Card Processors”.

  46. Lori says:

    WORST company I have ever dealt with. I’ve only been with them since December 2013, but it has been a nightmare. The only month the fees were as stated in my contract were the first month. Since then, they have overcharged every month. There are add on fees that were not agreed to and are not in writing anywhere. When I speak to the sales rep (look up slickster in the dictionary and you’ll see his pic) he promises me I will get a call from corporate to fix everything. Weekly calls to him and nothing back from corporate. If you call the toll free number on the statement it’s only a call center. They don’t have authorization to refund fees, although the can see our contract and know that I am being overcharged. BE WARNED – STAY AWAY FROM THESE FRAUDS!

  47. Jay says:

    Be careful about this company. We signed credit card terminal lease; lease clearly stated 36 months and after 36 months we owned terminal. After 36 months, I was told by Merchant lynx that it is not true. What a rip off. How can I file a law suit in small court against this company. I have everything in writing. Please help.

  48. Julie Swanson says:

    We just had a salesman come in and get my husband and I to sign up with Merchant Lynx. He told me on the phone and in person to my husband that there is NO Contract and now we have a lease with the credit card machine company that my husband did not sign for. He forged his initials afterwards. I am trying to figure out how to get out of it. I already put a complaint into the BBB. I am waiting for a call from their office in NY which I will most likely not get. I am thinking of changing bank accts which is a PITA but I don’t want to have money taken out for the machine. It is such a scam and I am going to get to the bottom of it. There are so many complaints online about them. I am pissed!!! Any other suggestions??

    1. Phillip says:

      Hi Julie,

      This article may prove helpful: Cancelling a Merchant Account Without Paying a Fee

      1. Julie Swanson says:

        I just wanted to give everyone a short update. Merchant Lynx called me and told me they closed my account and waived my early termination fee. I am so happy! If you want more info, please let me know. The complaint with the BBB did help I think to get this situation resolved so do that first if you haven’t.

        1. Joe says:

          Hi Julie,
          If you can contact me with any information on how to get out of all the fraudulent charges and contract that would be greatly appreciated.

  49. Pawel Hanczaruk says:

    Merchant Lynx services was the worst business decision I ever made. The sles rep that walked in my door blatantly lied to my face. She gave me a break down of all this money I was going to save by switching, I didn’t save anything. The one time fees became monthly fees, and you have to fight to remove them. The “easily transferable” lease I am still paying for three years after selling my business. It was a very frustrating experience that put a bad taste in my mouth. I advise any one to do your homework when considering merchant services, and stay away from this company.

  50. Jason Pack says:

    This company is horrible. As noted in the comments above they have hidden charges, misrepresented lease agreements. There really is no working with this company. If you are looking for a merchant… go somewhere else.

  51. Jacob says:

    I have been trying to get away of merchant lynx for over a year and still have not been able to. They opened additional accounts I did not approved, been charging my checking account on additional fees, checking service fees and other issues.

    Never completely settled our compalint with BBB and now I still have to deal with the fact they will not reinburse all money;s owed.

    Pass it over, never do business with this people.

  52. Michael says:

    Outright lying and deceit. If you sign with this company you just have to hope you don’t go out of business because there will be a surprise waiting for you in the form of a lease termination fee. How the Pan Gregorian group that is suppose to be looking out for and trying to get good deals for restaurants can endorse this company makes me wonder what kind of payoffs are going on there. I’m sick one a representative of this company stepped into my store.

    1. Phillip Parker says:

      Hi Michael,

      Can you elaborate on your experience. Simply accusing a company of deceit isn’t very helpful for other merchants or for when we update the review.

      1. Eddie Kania says:

        I was a victim of deceit also. Specifically, they set up 2 accounts for me, one for swiped cards, another for keyed cards, I only signed up for 1 account. The Customer Service rep aslo informed me that there was a steep termination fee if I terminated before 3 years. This was a one sentence blurb buried in 3 pages of fine print which I didn’t have time to read while the sales rep pressured me to sign, and I had customers waiting for me. No one should be scammed for months, when I received my 1st statement, I closed my bank account and they couldn’t withdraw any more funds. Don’t be fooled by these scam artists.

  53. Keith Elliott says:

    Merchant Lynx Services has more hidden cost in the program than ever. would not recomend any company use this credit card prosser!!!! I have filled a complant with the bbb.

    1. Phillip Parker says:

      Hi Keith,

      What “hidden fees” did you experience?

      1. Ricky says:

        Hey quote a flat rate and then after the first couple of months you ALWAYS pay more.

  54. Marietta Business says:

    Merchant Lynx and First Data are bad companies to deal with. Merchant Lync came into my business
    and promised lower rates and a free credit card machine. Two weeks after starting with them I received notice in the mail that I had a 48 month lease of $79.95 a month which i never signed up for. I cancelled immediately and went back to credit card company I had been using. This was in 2007. I had to stop payments thru bank several times but did get them to stop and I never paid them anything. I was turned over to collection agency and they sold to another collection agency and now I am going to court with local attorneys who buy bad collection debts. They are saying I owe $7000.00 but settle for $5000.00. They produced contract that had my inititals on it. I had initialed a one time charge of $79.95. The salesman added the 48 months after he left my office. I am going to court because this is wrong. I will be going to court on April 30. This is so wrong.

    1. Linda Robinson says:

      Case was dismissed because if was fraud committed by Merchant Lynx and First Data.

      1. Jmichael says:

        Same thing happened to my business.. Peter Rhee was the sales scammer.. Showed us in writing on paper he took with him how we woud save with their processing fees. He even suggested he could lower our rates to make up for the cost to replace our owned equipment with his equipment.. We owned our equipment and they showed up with two mismatching used units and TOOK our old units with them.. Then the free credit card processors turned into a 48 months lease costing us over 4500.00 for the term.. .. To make a long story short I filed an afidavit of forgery and then closed my bank account.. I presented the forgery document to the collections agency and they said they could not collect on my debt if the contract with First Data was signed on a Merchant Linx contract. I presented the forged contract that was filled in after we left and the collection agency sent the debt back to Merchant Linx and no other collector bought the case..

    2. Mark Barton says:

      They used my signature page on the one contract I did sign for a rate of 1.7% and fraudulently created a second contract for a rate of 2.20% . They made some simple changes on the fake signature page in order to make it appier original but it is clear that my signatures are exactly the same as the original contract that I did sign. I would be more than happy to testify on your behalf.

  55. sandy ahart says:

    This company has more complaints than you are aware of; many having to do with employee pay and the company’s flagrant failure to pay employees, especially after they have quit. One of the manager’s, [name omitted], is a disgusting pig who should be in jail for fraud. Don’t walk, run away from this company as fast as you can when they come calling.

  56. John says:

    How are there no comments on this company? I have dealt with this company and can say that Philip is right on the mark on this one. Hidden fees out the wazoo, and their termination fee is actually around $600-700. I have taken credit cards since the late 90’s up till now and have never had a multi-year contract. All my processors that I had dealt with, up to Merchant Lynx Services, had offered me a month to month, no termination fee. Merchant Lynx Services also promised me the same, to match whatever offer I had prior to Lynx. But, my addendum was “lost” and they requested that I pay upwards to around $1600-2000 to leave them (termination fees+lost monthly fees which were undisclosed.) I tricked my salesman Joel Cardonick and got him to do a three way call to Merchant Lynx Services customer service. I told him that I was just checking on my account and needed his expertise in closing them. I got him, on record, to state that another addendum existed that stated that I was on a month to month contract with no termination fee. The rep told him to find the addendum and fax it, otherwise I was to be held to the terms with a termination fee. Needless to say, I never heard back from Joel or Lynx, when I would try to contact Joel, no one would pickup. Also, whenever their reps called you, their business numbers were always blocked. I have received notices from them about a few weeks after this incident, stating that they will, essentially, attack my credit if I do not pay them. I will tell you, if my credit is harmed, I will litigate and have more of a reason to do so after their illegal actions.

    Their promise to the BBB a few years ago, stated that they would disclose all terms of the contract, and follow up with their customers, to ensure satisfaction. They did not do this and I doubt they ever had. There are so many blogs about this company I lost count. And I have now took it upon myself to go after them personally, with the help of a couple State Attorney Generals and plan to bring about federal and state criminal charges against them.

    There is more to this story, but I will not bore you with all the details, all of which have been forwarded to law enforcement. If you have been contacted by this company or have done business with them, be vigilant, document everything, and be especially suspicious when it comes to the contract and the behavior of their sales staff.

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