My 2 cents: Who cares! The merchant gets their damn money. Unless you have some kind of charge back history, it's stupid. The only thing I will say, as an outsider, if you did it for the rewards perk...why?
Doesn't the reward get off set by the merchant fees? It's a wash. If the intent was for something else, it's really none of their business. They make money. Disclaimer: I don't use them Tyson Burris, President Internet Communications Inc. 739 Commerce Dr. Franklin, IN 46131 317-738-0320 Daytime # 317-412-1540 Cell/Direct # Online: www.surfici.net Forgive the brevity, the typos and my fat fingers! > On Apr 15, 2016, at 4:43 PM, Scott Vander Dussen <sc...@velociter.net> 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:af-boun...@afmug.com] On Behalf Of Mike Hammett > Sent: Friday, April 15, 2016 11:35 > To: af@afmug.com > Subject: Re: [AFMUG] Merchant services > > Same. > > > > ----- > Mike Hammett > Intelligent Computing Solutions > > Midwest Internet Exchange > > The Brothers WISP > > > > From: "Jason Wilson" <ja...@remotelylocated.com> > To: 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 > > > 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 <j...@kyneticwifi.com> wrote: > Authorize.net? > > On Fri, Apr 15, 2016 at 1:02 PM, Scott Vander Dussen > <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! > >
