Smart Card Merchant Services / merchant credit card processing service

1 Phoenix, AZ, United States Review updated:
Contact information:

I began using Smart Card Merchant Services in February of this year. On February 1, 2017, their salesman, Mark Timbol, promised his rates would beat my previous provider. I showed him what I was paying (~2.5%) and he assured me that my costs would be lower. They did not provide me with a statement of charges for a couple of months, in spite of numerous email and phone requests for one. When I finally got a statement, I discovered that their fees were over 30% HIGHER than my old processor and about 60% higher than promised. When I initially tried to contact them by phone or email to get this fixed, I was either given the runaround, was unable to get a representative, or my voice messages and emails were not answered. When I finally got in touch with Anthony Matthews, Director of Sales Support, he told me that they were mistakenly charging me retail rates instead of the wholesale rates that were promised. He said he would fix it and get me a refund of the overcharges, and that a bookkeeper would call me to explain the details of the refund and new rates. No refund came and no bookkeeper called. When I finally got back in touch with Anthony, he said he made a mistake and didn't request a refund, and that he would fix it and get back to me. He never did, and doesn’t respond to voice mails or emails. Still trying to settle this, I called support. After well over an hour talking to, getting transferred to and disconnected from various support personnel, a representative told me that my request for reimbursement of the overcharges had been denied. Attempts to find out why failed. Then I was told by a supervisor, Alex, that there was no record of any requests for reimbursements of overcharges. I can't find out who to talk to about this.
In addition, Mark Timbol told me that my version of Quickbooks (Enterprise 13) would work fine with their software, but the software strips out address information from my Quickbooks records when I process a charge. This is obviously NOT fine. Their solution for this is for me to spend thousands of dollars to upgrade my version of Quickbooks. If I had known their software wouldn’t work with my version of Quickbooks, I would not have signed the contract, since part of the reason I went with their company was that it was compatible with Quickbooks, a significant convenience when processing charges.
In connection with their contract, I was required to lease equipment from First Data Global Leasing with a 48 month contract. Although their contract says it is separate from the Merchant Services contract, since I can’t get the merchant services without the equipment contract, they are linked and not separate.
Their misrepresentations throughout this process, and their complete lack of response to my complaints and issues are very disappointing, to say the least. I feel that I have been defrauded. Therefore I have filed a complaint with both the Better Business Bureau and the Santa Clara County District Attorney’s Office. I am also going to post disparaging reviews of their companies on Yelp and Angie’s List, as well as any other review web sites that I can find.

Stay away from these dishonest people!

  • Updated by jblazar, May 29, 2017

    It turns out that the salesman was scammed, and not even paid for his work. He quit.

May 17, 2017
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  • Ch
      6th of Jun, 2017

    I was approached in a similar manner. The caller represented himself as a someone that worked for my current merchant service, but as a third party sub contractor type of thing.. it was always nebulous. They needed to make an appointment to show me how our rates are going to be cut in half because we had earned some safe rating and could now be charged wholesale rates.. i'm pretty sure the entire thing is fictitious. they are in the business of leasing terminals and software at ridiculous prices. There is no literature, whatsoever. I called back the salesman a few minutes after he left after doing some quick research and told him to tear up the contract.
    whether or not he follows through with it remains to be seen..

    0 Votes
  • Ho
      26th of Jul, 2017

    Both of you email me ASAP I will help you I work for an honest CC processor and I will get you out of this email me [protected] I am a national accounts manager and work at the corporate office in Dallas tx.. I will help anybody with first data with a vengeance I'm tired of them giving my industry a bad name.. Email me I'm going to handle this..

    0 Votes
  • Ho
      27th of Jul, 2017

    I am trying to help both of you individuals who wrote a complaint on these immoral pieces of human garbage.. I assure you I can help both of you.. I work within the industry for an honest company. I am a national accounts manager and work at the corporate office I know all the tricks and how to get out of them. I will make you both feal better about this matter with giving you knowledge of how to beat them at their own game.. Email me ASAP [protected] and I would hurry cause this is only going to get worse for you.. Seriously guys this is a quite serious manner for your business..

    0 Votes
  • 1t
      8th of Nov, 2017

    I am a First Data ISO, and these people thought we were a veterans company. I listened to their spiel, and then simply said... I feel sorry for the people that falls for this scam. I asked her if she went to church, and she hung up on me. :)

    0 Votes

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