Zodaka Review: Fees, Complaints, Comparisons, & Lawsuits

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An ACH Processor for High Risk Businesses

Founded in 2017, Zodaka is a payment processor that enables high risk merchants to accept ACH transfers through a dedicated app. The company was specifically founded to help cannabis merchants accept digital payments from customers, but its technology can theoretically facilitate payment for any business type. Zodaka does not utilize debit and credit card processing networks, so it is not technically a merchant account provider. Moreover, the company requires customers to have the Zodaka app and an active account in order to pay for goods using Zodaka.

Zodaka Location and Ownership

Zodaka is headquartered at 12074 Broadway Terrace, Oakland, California 94611. Jordan Friedman is the CEO of Zodaka.

Zodaka Review Table of Contents

  • Costs & Contract: Zodaka offers pay-as-you-go pricing with no typical credit card processing fees.
  • Complaints & Service: Zodaka has received fewer than 10 public complaints.
  • BBB Rating: Zodaka currently does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Zodaka does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Zodaka

Zodaka Review Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any Zodaka complaints that accuse the company of being a ripoff or a scam. In fact, the credit card processor is not showing much merchant feedback at all. For now, we will assume that this indicates that the company employs a proactive and available customer support team.

Zodaka Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Zodaka. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Zodaka Customer Support Options

The Zodaka website provides a customer support email form but does not list a dedicated customer support number. We will award Zodaka an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

Zodaka Review Online Ratings

Here's How They Rate Online

No Profile Available

The Better Business Bureau does not currently maintain a profile for Zodaka. We therefore will not factor a BBB rating into this review.

Zodaka Review Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Transaction Fee 4.5% + $0.35
Early Termination Fee $0
PCI Compliance Fee $0
Equipment Lease Terms $0

Zodaka Contract Terms

Zodaka appears to simply license its platform to merchants and charge a pay-as-you-go rate without any contractual commitment. We have seen at least one report claiming that the company’s fixed ACH fee is 4.5% plus $0.35 per transaction. This is significantly higher than typical ACH processing fees, but it is justifiable given the service’s high risk focus and lack of other costs. Zodaka does not charge any of the fees typically associated with merchant accounts because it does not use Visa and MasterCard’s credit card processing networks.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. For now, it seems as though Zodaka’s overall pricing will be competitive with even the cheapest merchant accounts.

Zodaka Review Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside Sales Team

Zodaka appears to rely on an in-house staff to market its services. There is no evidence at this time indicating that the company employs independent sales agents, and we are unable to locate any Zodaka complaints that report unethical behavior by the company’s sales staff. The company’s use of ACH networks reduces the number of common merchant account fees that it is likely to charge.

No Misleading Quotes

Zodaka does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that Zodaka is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our Zodaka Review Review Summary

Our Final Thoughts

An Interesting Option for High Risk Merchants

According to all available information, Zodaka rates as a dependable payment acceptance option for high risk merchants. The company’s primary hurdle is the fact that customers must download and use its app in order to pay merchants, but it is otherwise an interesting workaround for hard-to-place merchants. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Zodaka Review Treat You?

5 User Reviews

  • phil

    Hey Phillip Parker,
    this sh***** Zodaka is down long ago. Their domain is not valid anymore. Zodaka was a fraud system and now it is completely removed from everywhere except your shiny website

  • Mark

    I was a customer using Zodaka for a one-time purchase. I was charged around $300 for an item from a merchant and received the package as normal, then Zodaka charged my account again for the same amount without telling me over 10 days after the first transaction. I had to contact customer service to find out why, and they told me that “the first check didn’t go through so we charged it again” which was proven false by my bank. I have waited over a month now and have not received my money back. I am considering hiring a lawyer as Zodaka has been no help in returning my money.

  • Adam

    Zodaka has by far been the worst payment processing company I have ever encountered. Not only did the send all of my money to the wrong person, they then tried to blame it on me… except they billed my account, but couldn’t manage to send funds to the correct account that they had been billing. Furthermore, before they had sent any checks, their accounting lady had called me to verify my information. Still, they managed to send funds to an account that ended in a number I had never been associated with. I was given a run around for 2 full weeks before they resubmitted my checks. Once the checks were deposited they were marked as fraud because the company they use to submit their checks, a company apparently called “Green”, not Zodaka or Zoda Pay themselves have open fraud claims against them, apparently multiple as my bank told me. So all of their deposits are held for 10 days. This means that I will have gone almost a month without receiving funds. This entire time I kept every single email and piece of correspondence with Zodaka, sending back screenshots to them showing them how they were not being honest and at times misleading me. I would never, ever recommend this company to anyone. If I could find which regulatory body was in charge of overseeing them, I would be reporting them and providing every piece of evidence possible to make sure that they are either shut down or fined. With the ACH options that are out there, no one should ever choose to work with a company like Zodaka, Ever. Ohh… and as I just remembered, the account they were billing, which was the account they should have been depositing to, they billed it 3 separate times for the incorrect amount and I had to have that corrected 3 separate times. The entire thing smells fishy and has hints of a laundering scam all of it.

    I would recommend to stay away from Zodaka at all costs. And anyone thinking of using them, I would happily provide all of my correspondence with them to prove to you in writing, and with their employees email addresses and names attached, just how awful they are as a company.

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