It sounds to me like the issue has little to do with whether IP Pay wanted to do the transaction or not. It has to do with the fact they promised to do it, then rescinded that promise, creating a serious operational rift.
Personally, it sounds like Scott was trying to nickel and dime some extra cash flow, but attitudes of superiority aside, an extra nickel, or an extra dime, is an extra nickel or dime. the problem arose when the dishonesty took place on the part of IP Pay. it doesnt matter whether what scott was doing was right or wrong, once a business commits to something, they need to do it. It doesnt matter if the story was Scott was going to trade crack for heroin, and the heroin dealer said hed give him back 5% of the crack on the transaction. Once the word was given, it would be a matter of principle that the word be abided by, and in this case, it was not. any company, who allows its representatives to not stand by their word (given on behalf of the company) is not worth dealing with. It could be a matter that this sheila decided to allow the transaction, and it was her supervisor who made the decision not to allow it, but the reality is, the coos should not be in a position where she is allowed to communicate decisions to customers she is not allowed to make if this is the case. Once a representative of a company makes a commitment on the behalf of the company, unless they are going to terminate the employee, that commitment needs to be adhered to. If I were scott, Id do something very simple to determine my relationship with said company. Id call and ask to speak with that sheila, if the call is transferred to her, then the relationship is done On Sat, Apr 16, 2016 at 11:26 PM, Scott Vander Dussen <[email protected]> wrote: > In my OP explanation message I cited my reason for leaving, and it's not > what you've cited here... But whatever! > > Thanks, > 'S > > Sent mobile! > > On Apr 16, 2016, at 16:56, Chuck Hogg <[email protected]> wrote: > > Um, so if you don't seewhy this isn't allowed, I don't know what to say. > And to quit a processor over running an unnatural charge that wasn't a > normal part of your charge history is crazy. I bet they tried to help you > and thats why the runnaround only to be told by their bank that its a > no-no. Its also in most merchant agreements. > > > > On Saturday, April 16, 2016, Jason McKemie < > [email protected]> wrote: > >> I would have done the same thing. >> >> On Saturday, April 16, 2016, Jeremy <[email protected]> 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 < >>> [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]] *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. >>>> >>> >>> > > -- > Regards, > Chuck > > -- 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.
