Yeah, the initial call to Cap1 was not so much a pre auth as verifying this was OK with their ToS.
Thanks, `S --- Sent mobile, typed by thumbs. On Apr 15, 2016, at 15:56, Travis Johnson <t...@ida.net<mailto:t...@ida.net>> wrote: This seems like it was a lot of work and issues and headaches (phone calls getting pre-auths, then calling again to double check, etc) all to get cashback rewards that probably equated to less than $400. Your time should be worth more than that as the CEO of a company. Travis On 4/15/2016 2:43 PM, Scott Vander Dussen 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<http://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:af-boun...@afmug.com] On Behalf Of Mike Hammett Sent: Friday, April 15, 2016 11:35 To: af@afmug.com<mailto:af@afmug.com> Subject: Re: [AFMUG] Merchant services Same. ----- Mike Hammett Intelligent Computing Solutions<http://www.ics-il.com/> [http://www.ics-il.com/images/fbicon.png]<https://www.facebook.com/ICSIL>[http://www.ics-il.com/images/googleicon.png]<https://plus.google.com/+IntelligentComputingSolutionsDeKalb>[http://www.ics-il.com/images/linkedinicon.png]<https://www.linkedin.com/company/intelligent-computing-solutions>[http://www.ics-il.com/images/twittericon.png]<https://twitter.com/ICSIL> Midwest Internet Exchange<http://www.midwest-ix.com/> [http://www.ics-il.com/images/fbicon.png]<https://www.facebook.com/mdwestix>[http://www.ics-il.com/images/linkedinicon.png]<https://www.linkedin.com/company/midwest-internet-exchange>[http://www.ics-il.com/images/twittericon.png]<https://twitter.com/mdwestix> The Brothers WISP<http://www.thebrotherswisp.com/> [http://www.ics-il.com/images/fbicon.png]<https://www.facebook.com/thebrotherswisp>[http://www.ics-il.com/images/youtubeicon.png] <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> ________________________________ From: "Jason Wilson" <ja...@remotelylocated.com<mailto:ja...@remotelylocated.com>> To: af@afmug.com<mailto:af@afmug.com> 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 [http://remotelylocated.com/wp-content/uploads/2012/07/cropped-Remotely-Located-Logo.jpg] Jason Wilson Remotely Located Providing High Speed Internet to out of the way places. 530-651-1736 530-748-9608 Cell <http://www.remotelylocated.com>www.remotelylocated.com<http://www.remotelylocated.com> On Fri, Apr 15, 2016 at 11:08 AM, Josh Reynolds <<mailto:j...@kyneticwifi.com>j...@kyneticwifi.com<mailto:j...@kyneticwifi.com>> wrote: Authorize.net<http://authorize.net>? On Fri, Apr 15, 2016 at 1:02 PM, Scott Vander Dussen <sc...@velociter.net<mailto:sc...@velociter.net>> wrote: > Without all the nasty details, I'm completely done doing business with IPPay. > Any recommendations for alternatives? > > Thanks, > 'S > > Sent mobile!
