Is this article we'll discuss a company that operates under the business name of “The Card Association” or “The Card Association Merchant Services” based in Scottsdale, Arizona. We'll provide insight on the services that The Card Association offers and how it is choosing to market those servicess. Additionally, we will delve into its ownership, related business ventures, legal issues, and other feedback we have received. If you have any further information that you believe should be added to this review, please leave it in the comment section at the end of this article.
About The Card Association Merchant Services
Most publicly available information about this company appears to me intentionally limited and hidden. However, through various methods, we have gathered a few facts that the owners were unable to hide. The Card Association is formally owned by TCA Commerce LLC, which is actually owned by Redfynn Technologies. Redfynn is one of many brands that market the credit card processing services of Paysafe Group. The Card Association, on the behalf of Redfynn, is engaging in questionable marketing tactics which we will cover below. It is not clear as of this update if Paysafe condones the actions of The Card Association.
Management & Ownership
The companies and individual behind The Card Association have been intentionally hidden in regard to the company's web presence. Not only is the information omitted from the company's own website, but the owners have also elected to hide their domain registration information behind a company called “Domains by Proxy,” which is a service that provides private domain registration services. Despite these efforts, we have uncovered two individuals with direct connection to the company, and a possible third who may also have involvement. These individuals are Richard Miller, Micheal Crawford, and Craig Wolman. The role each has in The Card Association is undisclosed but a few things seem to be implied by the evidence we collected.
Possible Leadership Team:
- Michael Crawford: Appears to be a co-founder and the General Manager of the organization.
- Richard Miller: Likely in a CFO or accounting roll, but evidence suggests that Miller could be involved as a co-founder.
- Craig Wolman: Involvement is unknown; however, Wolman and Miller are partnered in a related business discussed below.
Misleading Address Information
The Card Association website lists the address of the company at 1201 South Alma School Rd.,
Mesa, AZ but there is no other evidence to support that a company by such a name operates at this address. We also located another address associated with the company at 5010 E Shea Blvd, Suite 140 Scottsdale, AZ. This address is also used by Miller and Wolman for their accounting and tax service business, Miller Wolman CPAs.
Normally, we would assume that a CPA has only provided services to a business for the filing and establishment of an LLC; however, in this case, it appears that Miller could have a deeper involvement due to his filings listing the address for The Card Association and TCA Commerce as the same as as that for Miller Wolman CPAs, as well listing himself as a primary contact.
|Misrepresentation of services
The Card Association Customer Reviews
Here's What Their Clients Say
|Yes, including reports of misrepresentation.
|Appears to utilize unethical strategies.
At this time, we are unable to locate specific complaints regarding The Card Association Merchant Services. This is likely because the owners chose to use a generic brand name that is also used to refer to the actual card networks, Visa and MasterCard. It also appears likely that duped businesses are actually getting placed with Redfynn Payments for credit card processing services. If you have any direct dealings with The Card Association, please tell us in the comment section below.
The Card Association Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Intentional Brand Misrepresentation:
The Card Association is using at least three types marketing strategies that we would consider as predatory scam tactics:
- Misleading Brand Association: The use of the term “The Card Association” appears to be an attempt to deceive business owners into believing that the company is somehow a direct arm of the card networks or a regulatory agency.
- Deceptive Website: The company’s homepage presents itself as an organization “Backed by the Durbin Amendment” wherein disgruntled business owners can report grievances regarding their current merchant service provider. It further makes statements alluding to readers that they are filing reports with an agency that oversees the processors for which they are reporting.
- Telemarketing Misrepresentation: We have received reports indicating that the company is engaging in “slamming”, which is a deceptive telemarketing technique intended to fool victims into believing that they are speaking either with their own credit card processing provider or a regulatory agency. This tactic is intended to mislead victims into believing that the call is not a sales or marketing call, but intended to help them solve a problem. In reality, companies that engage in slamming are attempting to fool unsuspecting businesses into switching their merchant processing services without honestly communicating what is actually happening.
Jobs & Employment
As of this update, we were unable to locate any reports or reviews by current or former employees of The Card Association Merchant Services. It should be noted that recruitment by merchant services companies that utilize deceptive marketing often engage in “agent hiring mill” practices wherein promises of high commissions and residual income are used to entice naive sales people into high-pressure sales positions. These agents are often poorly trained on the details of the services they are selling and encouraged to engage in unethical sales tactics.
If you have worked of The Card Association Merchant Services. Please use the comment section below to tell us about your experience.
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