Sorry, but this is a ridiculous reason to leave IPPay. Also, it is a grey area when it comes to legality.
On Fri, Apr 15, 2016 at 8:55 PM, That One Guy /sarcasm < [email protected]> wrote: > ther may be ftc regulations that would create a criminal liability for > processors allowing kiting > > On Fri, Apr 15, 2016 at 8:05 PM, Tyson @ Internet Communications Inc (ICI) > <[email protected]> wrote: > >> 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 <317-738-0320> Daytime #* >> *317-412-1540 <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 <[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 <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:[email protected] <[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 <http://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. >
