Commerce Payment Systems

I received the wrong credit card terminal and when I called the number was off the hook. About two weeks later the after hours service started to answer the phones but they have no access to Commerce records. I never activated my account but they still managed to pull $ 19.95 out of my acccount. What I have surmised so far is this company is closed and the computers are running the credit card processing. I’m closing my checking account to stop them from taking anymore of my money.

A nightmare company that resorts to sneaky business tactics. They sign you up for a contract that stipulates very low fees then out of nowhere they tack on new monthly fees. I was charged ridiculous fees that were not stipulated in my contract without ever getting any advance notice averting me the changes. I just noticed they have an F business rating too. STAY CLEAR OF THIS COMPANY.

They bring you in with a low «rate» then add a 3% surcharge because it’s a special card! I ask how do I know if the card will carry this fee, they said you don’t … that sounds great! Not! Do not use this company!!! Do not use this company!!!
Do not use this company!!!
Do not use this company!!!
Do not use this company!!!
Do not use this company!!!
Do not use this company!!!
Do not use this company!!!

I don’t take time out of my day to write bad reviews but this was one review I had to write. Do business with this company at YOUR OWN RISK. There is a 65% chance that you will regret doing business with these guys. We looked at all the reviews and decided to go with them anyways after multiple reassurances by the sales person about our concerns with the reviews. It was a huge huge mistake.
I won’t say that this company participates in fraud but it’s just a horrible company with horribly trained employees, horrible and contradictory rules. They will make the most effort to keep your money with them as long as possible. They will make excuse after excuse. They will make you go through loops and jumps and at the end still not give you your money.
Danny Sanders is the sales person we dealt with: she is a liar. Flat out lair.
Mikel in underwriting: incompetent, contradictory, and also a liar.
I’ve gotten so angry due to their tactics that I I have lost the ability be mad at them anymore. It was our fault for ignoring these reviews. We lost a lot of money doing business with them. TAKE YOUR BUSINESS ELSEWHERE. There is absolutely no reason to go with these guys when there are better reviewed companies out there.

See more horrific reviews here!!!
Do not sign up!!!
Best processor after trying out tons, Costco’s Elavon.

Been a customer for a few years and I just started reviewing my statements with more scrutiny. Discovered that I am getting charged over 6% on my transactions. Called to complain and they keep saying someone will get back to me or my «account will be reviewed by management» NOTHING
STAY AWAY from ths company!!!
Aweful customer service and they are complete scammers!!!

I’m experiencing the same issues every body has we keep being billed about $ 121 per month when we have not processed a dime in the last 3 months using them. We have called to cancel. and nothing gets done. This people are thieves just out to take your money. My credit card processing fees using their virtual terminal were much higher than i was told it would cost at the beginning, they also charged a volume fee, so by the end of the month I was paying about 5% (much higher than Paypal, square and all others) so i stopped processing and been trying to cancel, but they keep billing my account, now I’ve contacted my bank’s dispute center and hope to get this thing solved as soon as possible. DO NOT USE THEM.

Commerce Payment Systems charged me 79.90 each month for months without my approval. When I looked into their services they said they would not provide services to me without my giving up highly personal information. When I said, fine let’s not do business, they began charging my account anyway! They now contend I was approved anyway! To hell I was approved. I disapproved them! Now I cannot get my money back. Just thought I would give additional insight into the term: TERRIBLE!

I have been a customer of this business since 2011.
We have attempted multiple times to cancel our account with them. I have sent emails, faxes and jumped through all the hoops they have set up, to no avail. Alas, they are somehow still able to pull $ 44 /​month out of my account.
Interestingly enough, I went on Unilocal to see if anyone else has had this experience. I was shocked to see that there are almost 30 other reviews that have had the same experience. Yet somehow, those other reviews are hidden by the Unilocal filter. Look for yourself!
I would not recommend using Commerce Payment Systems due to our challenges cancelling our account. That said, I will mention that they performed as expected for our Merchant Account. If they could just learn to do honest business and cancel their accounts in a timely fashion after a customer requests, I’d imagine they wouldn’t have so many upset customers out there that are trying to warn others…

I’m agree with everyone else that has posted about commerce payment systems. Here is what I went through.
Got a friendly call to get setup. I decided to sign. They didn’t set the proper expectations up front. They wanted all bank statements, references, credit checks which is not unreasonable if disclosed up front. Once I received the terminal, I looked over the terms and did not agree with it. They limited how much a single transaction would be and would not budge until I sent in references. I refused to do so and said please cancel my account.
Guess what, instead of cancelling, they continued to bill me month after month for about 4 months. The funny thing is they were charging me around $ 100 per month like I actually had transactions but I never even used their service.
Getting my account cancelled was a nightmare. After they received the terminal back, they still billed be for service. WTF! Getting a refund is ridiculous as well. Don’t even get me started there.
WORST COMPANY EVER AND WORST CUSTOMER SERVICE I HAVE EVER SEEN. THE BBB SHOULD SHUT THEM DOWN.

I agree with the previous review. Commerce Payment systems customer service is borderline pathetic. Most of the time you sit on hold for 15 – 30 minutes. Managers are never available and NEVER return phone calls.
I called for 2 weeks straight and every time I called they said someone would return my phone call. They overcharged our account by $ 855 from a July statement. I have called every week sine we received our statement in august for July.
I would NOT recommend this company to anyone.

Commerce Payments System’s Customer service is atrocious. While the reps are nice, you are on hold for at least 45 minutes every time you call and then most of the time you are transferred to someone else because they can’t help you. The underwriting department doesn’t check their email so you have to call in and remind them that you responded then they go find your email or pretend they never got it. I was told when i signed up that everything would be done in 24 – 48 hours and it was a super easy and straightforward process. Literally 1 month later I’m still on the phone with them for about an hour every couple days in order to try and get the funds transferred to my bank that have been sitting in nowhere land for the last month. And i finally today, after an hour and a half on the phone got my account fully functional so i can swipe cards now as well. If only i could get the money into my bank account now…
Unless you like to waste a lot of time, i would steer clear of this company.

Beware of this company they are white collar criminals. Google Commerce Payment systems and check out Rip Off Reports. You have been warned as they have stolen money from me and many other victims

I agree with the prior reviewer. Signed up with them and switched as I was signing up. Still got charged several monthly fees and for a swiper I had returned and never could get anyone to refund our money. This business is about as crooked as they come. Find another processor.
Fast forward several weeks and several phone calls later. The company refused to refund multiple charges to the account, despite the fact that I had canceled with them in July and again in August and they continued charging through September. It’s just not worth the headache, the time and the money. Plus, they hide major fees that make their service all but unusable. I can’t stress it enough, this company is rotten to the core.

Pirots of internet
I search on Internet to open a e-​commerce merchant account. I saw their advertisment with the promise of Low 0.39% Rate, No Hidden Fees. Free Terminal & ²⁴⁄₇ Live Support.
I have to tell you, they are all lie. I got to into a contract with them to have $ 14.95 monthly fees but I end getting charged more than $ 79.00 monthly fee and whenever I called, different people say different thing and for the 3 months that I was with them, I didn’t get a straight answer what are those charges are. not to mention it took them more than 2 weeks to deposit my successful authorized transation into my bank account rather than 2 days. I do not recommend them. They have many hidden fees and the rates that they advertise are not true. BE AWARE

This company is a rip off and a fraud. They originally told me the fees would be very modest compared to others, less then $ 25.00 per month. Since then they have charged in excess of $ 75 every month. I discontinued service on 9÷22÷2011 and they have taken over $ 400.00 out of my account. If I call to get this straightened out, I am put on hold and never answered. Stay away from them at all costs! Thye should receive NO stars or negative ratings.

This company ripped me off for nearly $ 300 in «hidden fees» in less than four months. Every month customer support says they will submit a claim to management, and if approved, a refund will be credited the following month. Well your money is gone forever, so avoid this company like the plague.

This place gets 1 star only because I can not give it 0.
I began working with this place in Aug 2010 and it took me entirely to long to stop service in November 2010. TERRIBLE customer service! I repeat, TERRIBLE customer service! Save yourself the headache and don’t even bother signing up — honestly!
I switched to Bank of America for merchant services, not only did they beat the current rates I had, but customer service is great — I even have the cell phone number of my rep incase something goes wrong. Oh, and if something does goes wrong with CPS (such as being over charged, like I was every month, account problems, you name it) good luck ever getting the right person on the phone. You will ALWAYS be re-​directed to someone who can’t help you and wants you to call back.
I’m not rambling here — just speaking my experience, and for the company I referred. I was embarrassed to say the least to refer someone here!
Don’t let the friendly people in the INITIAL phone calls suck you in, because once you sign the contract the customer service goes right out the window.
If you don’t believe me — sign up and let the throbbing migraines begin.
My greatest advice is: STAY AWAY AT ALL COSTS!!!
Regards,
Finally Happy at Bank of America