The issue is how it was handled. On Saturday, April 16, 2016, 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] > <javascript:_e(%7B%7D,'cvml','[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 >
