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] > <javascript:_e(%7B%7D,'cvml','[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
