To each their own! Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Apr 16, 2016 10:27 AM, "Jeremy" <jeremysmi...@gmail.com> wrote:
> 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 < > thatoneguyst...@gmail.com> 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) <t...@franklinisp.net> 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 <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 <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 <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 <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" <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 <http://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! >>> >>> >>> >>> >>> >>> >> >> >> -- >> 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. >> > >