I would be appreciative for a doublecheck on a 20k transaction, assuming that is not a normal transaction for that card, I can imagine if you had been robbed of 20k you would be pissed they didnt flag it, having 20k tied up would be worse than a delayed transaction.
The verification call was completely acceptable (assuming it was immediate upon the transaction hold being implemented. The question I have is, how would they have you prove its not kiting?, not being a dick about it, just genuinely curious of your expectations. Im assuming there is an obscure TOS term with their contract with visa where the processor is penalized for allowing a potential kite to fly, I would guess this broad is personally aware of it because she probably got her ass handed to her once learning about it the hard way. Everything up to number 7 is completely reasonable 8 is where it gets hairy 9 and 10, still on track 11 is a complete WTF??!! if she already spoke with you via an authorized account holder email, but if her role is loss prevention also, it would be acceptable for her to have made a verbal identity verification unless you provided an acceptable digital signature via the email up til this point, you just sound like an irritated dick, like we all do when we have an unexpected delay on things that are supposed to be pretty time saving then 12 comes along, that in itself would be enough for me to not ever do business with a company On Fri, Apr 15, 2016 at 4:58 PM, Eric Kuhnke <[email protected]> wrote: > I really don't see how paying yourself $20k with your own card is NOT > going to set off all sorts of automated fraud alerts. This is what any > responsible card processor would do. > On Apr 15, 2016 1:43 PM, "Scott Vander Dussen" <[email protected]> > wrote: > >> I’ve received a few off-list request for my story and a couple here >> on-list. I don’t mind sharing, I just didn’t want to come out with a rant >> about IPPay because that wasn’t my goal. I share this experience because I >> really value this list and the contributions made by all you wonderful >> people. Few things have shaped my business and been as valuable of a >> resource as this list (beginning as Part-15.org to current), so thank you >> everyone! (: Part of that awesomeness is sometimes sharing the less than >> stellar experiences we face, here’s mine with IP Pay. >> >> >> >> 1. I wanted to make a purchase that was not eligible for a CC payment and >> get the cash back rewards >> >> >> >> 2. I contacted Cap1 and asked if I could use one of those blank “courtesy >> checks” they send out to write to myself and basically get a cash advance >> plus then get the cash back rewards. They said no problem, but the checks >> are exempt from cash back rewards. >> >> >> >> 3. I asked if I as a business could run my own card into my own bank >> account for the cash rewards. She said no problem, I asked her to research >> the Cap 1 Visa ToS to verify, she did and again no problem. I then asked >> her to triple verify by confirming with her supervisor, and again no >> problem. They said if you have that resource to process your own card and >> you’re paying your minimum balances etc. it’s a non-issue. >> >> >> >> 4. I researched “Credit Card Kiting” which is the process of paying a >> credit card balance with another credit card- the practice is only a >> problem when there is deception involved. Even the Wikipedia article >> demonstrates its OK when there is not deception. And this isn’t even >> kiting, it’s just processing a credit card for cash in the bank. >> >> >> >> 5. We process a card for $20k >> >> >> >> 6. Tanya Krapil from IPPay halts the transaction, holds the funds and >> emails me asking if it’s legit. (lost a whole day of expected funds >> because of this) >> >> >> >> 7. I reply it’s legit. >> >> >> >> 8. Tayan demands invoices and “documentation” before she will release the >> funds. >> >> >> >> 9. I reply: “We don't share our invoices with parties not involved with >> the transaction, that is not only a breach of confidentiality but >> inappropriate for you to ask. While I can appreciate your concern for fraud >> I have, as the CEO of Velociter, already confirmed the legitimacy of this >> transaction. If at this time you are cause further delays in processing >> this transaction then I will consider your actions as unreasonable >> non-performance and a termination of our long standing business >> relationship.” >> >> >> >> 10. Tayna the replies that she will process this transaction. >> >> >> >> 11. Subsequently Tayna spoke telephonically with other staff and >> determined the card was employee owned. Tayna said she’d process the >> payment but it isn’t a kosher practice. >> >> >> >> 12. Tayna then emails me to tell me just kidding, she’s not going to >> process the payment after all. (losing yet another day of expected funds) >> >> >> >> My grief is that on a $20k tag Tayna doesn’t bother to pick up the phone >> and call, just arbitrarily held the funds and sent an email. Then she said >> two times that she would indeed process the payment only to then change her >> mind later. It’s horrible customer service to say one thing and then not >> honor it, even if you made a mistake. I’m particularly bothered by her >> asking for “invoices and documentation” to support the charge; the US in >> particular is getting so used to sacrificing our privacy and freedoms. >> Tayna is demanding I send over information that completely out of her >> sphere of concern. >> >> >> >> Tayna is citing that it’s a Visa policy not process your own card, but >> has provided no documentation to support that. There is no deception >> involved, we called and pre-authorized the transaction with Cap1 on a >> recorded call and Cap1 gave their blessing. I contract with IPPay to >> process the CC cards I enter, nothing more. Even if there is some obscure >> Visa ToS that prohibits this transaction for this specific reason (this is * >> *not** credit card kiting) Tayna’s lack of professionalism and the >> subsequent headache it’s caused me finished my company’s business >> relationship with IPPay. And I would greatly question who is the >> enforcement of Visa’s ToS, the merchant or the issuing bank. I’d lean >> heavily towards the issuing bank. >> >> >> >> Anyhow, thanks for the feedback and suggestions of other merchants. >> >> >> >> Scott >> >> >> >> *From:* Af [mailto:[email protected]] *On Behalf Of *Mike Hammett >> *Sent:* Friday, April 15, 2016 11:35 >> *To:* [email protected] >> *Subject:* Re: [AFMUG] Merchant services >> >> >> >> Same. >> >> >> >> ----- >> Mike Hammett >> Intelligent Computing Solutions <http://www.ics-il.com/> >> <https://www.facebook.com/ICSIL> >> <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> >> <https://www.linkedin.com/company/intelligent-computing-solutions> >> <https://twitter.com/ICSIL> >> Midwest Internet Exchange <http://www.midwest-ix.com/> >> <https://www.facebook.com/mdwestix> >> <https://www.linkedin.com/company/midwest-internet-exchange> >> <https://twitter.com/mdwestix> >> The Brothers WISP <http://www.thebrotherswisp.com/> >> <https://www.facebook.com/thebrotherswisp> >> >> >> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >> ------------------------------ >> >> *From: *"Jason Wilson" <[email protected]> >> *To: *[email protected] >> *Sent: *Friday, April 15, 2016 1:22:03 PM >> *Subject: *Re: [AFMUG] Merchant services >> >> Scott, I am an IPPay client, email privately your decision to move. >> >> >> >> Jason >> >> >> Jason Wilson >> >> Remotely Located >> >> Providing High Speed Internet to out of the way places. >> >> 530-651-1736 >> >> 530-748-9608 Cell >> >> www.remotelylocated.com >> >> >> >> On Fri, Apr 15, 2016 at 11:08 AM, Josh Reynolds <[email protected]> >> wrote: >> >> Authorize.net? >> >> >> On Fri, Apr 15, 2016 at 1:02 PM, Scott Vander Dussen >> <[email protected]> wrote: >> > Without all the nasty details, I'm completely done doing business with >> IPPay. Any recommendations for alternatives? >> > >> > Thanks, >> > 'S >> > >> > Sent mobile! >> >> >> >> >> > -- If you only see yourself as part of the team but you don't see your team as part of yourself you have already failed as part of the team.
