Accepting credit cards - what company NOT to use

A.K

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IMS - International Merchant Services
55 East 63rd Street
Westmount, IL 60559

http://www.ims.com/

My co workers and I have had nothing but problems with this company.
*"accidental" $95 charges (2 months in a row)
*Uppping the monthly fees right after we signed up with them
*They were rude to me trying to close my account - the lady actually HUNG UP on me (and I was not being rude or anything at all... I understand how to be nice to people in call centers!!!!)

There were other issues, I just can't think to put them into words right now.



My suggestion: work with your bank where you have your business account, work with someone at your local branch who will help you if you end up having probs with the account, and make copies of everything you sign, and read everything you sign.
 


great tips moose_goose! I've never heard of this company, but I know mine has been nothing but a pain to work with. Unfortunately I'm signed into a contract and can't shop around for a while yet...
 


stonegirl said:
great tips moose_goose! I've never heard of this company, but I know mine has been nothing but a pain to work with. Unfortunately I'm signed into a contract and can't shop around for a while yet...

Usually on the monthly statement you get it will list some sort of change to teh fee structure, like "visa implimented an new charge.."
You can call before the "effective" date of that new charge to say that you do not agree to the new fee and they have (?) to let you out of your contract. Guess it's a loophole...
 
Accepting credit cards - what company NOT to use

moose_goose said:
IMS - International Merchant Services
55 East 63rd Street
Westmount, IL 60559

http://www.ims.com/
.


I live right near here. Too bad you aren't closer, you could march right in there and speak to someone who couldn't rudely hang up on you.
 


Pete said:
I recently switched my processing to Elavon through their partnership with Costco.

So far, it's been pretty good - but it's only been a month...

Watch out for periodic rate increases with this company (I profusely vented about them in another thread). The nice lady I talked to said rate increases are in my agreement and statements "in fine print". Sure.

Also, they did not put a tip line on my credit slips. AFTER I specifically asked the local rep and he told me it would be no problem. I was in a massage while he was setting up my terminal and came out to find a note "Sorry I couldn't set up the tip line. As a massage therapist you are not supposed to accept tips. Thanks, Tom". Going back and forth with this doofus and calls to the call center didn't resolve anything. I understand tipping is a whole separate discussion BUT...Is this really a good way to handle this?

I am in a 3 yr contract with Elavon and I will be looking for another company when it expires.
 


Beware of any provider that mentions SECURITY METRICS.

SM is not a credit card provider, they do "web site security scans". I used to have my service through a local provider. I started receiving threatening messages on my statements that if I do not comply with Visa/MC security requirements I will be fined $500,000. You had to complete a lengthy questionnare suited more more a large company like Wal Mart and have your web site scanned for holes. I had my site professionally done by a very reputable company. I sell GC's but at the time it was done thru PayPal. I got tricked into doing an annual scan ($99). Sure enough they found a plethora of problems and to fix them I needed to download software by Security Metrics. They were persistently calling me. When I tried getting an explanation what the problems were the tech named Casey would talk down to me, sigh patiently etc. I may be a female and a dumb masseuse but I studied computer science for a year so I have the basic idea how things work. Casey would patiently sigh again and tell me that I wouldn't understand so he wouldn't bother explaining it to me. They treated my web designers like crap, too. I had a number of heated arguments with the local business who got me into this mess so the harassing calls stopped but I never got my $99 back.

Another MT, a friend, had their service thru them as well. They tricked her into doing quarterly scans of her web site for $300. She does not even sell GC's online! All her web site has is her address and list of services. Their rationale was: what if someone hacks into your web site, sets up a shopping cart, someone buys a GC and then they take the shopping cart down. And you will never know. That's why you need peace odf mind through Security Metrics.

So keep in mind: Security Metrics - bad news. I personally don't recomme3nd doing business with anyone who does business with Security metrics. They are bad news and all they want is your money.
 


Pete said:
Anastasia said:
Also, they did not put a tip line on my credit slips. AFTER I specifically asked the local rep and he told me it would be no problem. I was in a massage while he was setting up my terminal and came out to find a note "Sorry I couldn't set up the tip line. As a massage therapist you are not supposed to accept tips. Thanks, Tom". Going back and forth with this doofus and calls to the call center didn't resolve anything. I understand tipping is a whole separate discussion BUT...Is this really a good way to handle this?

Interesting. I was able to get the tip line on my machine - no problem. I had to go thru tech support to get it reprogrammed, but it's there and working just fine. Perhaps you should call again...

I did call and complained. The sales rep I talked to at the HQ was actually very nice and tried changing it for me (she said her fiance is an MT so she must understand out issues!). She said that their security department would not let them change my code. She asked me if I did any skin care services and in fact, when the account was set up I had an esthetician (am looking for a new one now). The rep said that then they should've allowed the tip line. Tried again - same result.

I think I am the only MT in town who doesn't have the tip line. Everybody else had no problem setting it up with their providers.

When I was arguing with the intial sales rep (local) he told me that according to Visa/MC policies there are only 3 types of businesses that are "allowed" to accept tips: hair salons, restaurants and ... fast food restaurants!

To me it seems more like Elavon's interpretaion of Visa/MC policies.
 


I use http://www.propay.com it's a bit more expensive than others but I have found no hidden fees. I do have a very small cc business so the small annual fee is perfect for me.
 


calmhead247 said:
I use http://www.propay.com it's a bit more expensive than others but I have found no hidden fees. I do have a very small cc business so the small annual fee is perfect for me.

Ditto! They're not the cheapest but since I'm a really small practice, I found they're the way to go. They also haven't j3rked with me :)

I hope that those of you with cc company problems have better luck. It IS frustrating to get messed with.

Hugs!
~Jyoti
 


jyoti said:
calmhead247 said:
I use http://www.propay.com it's a bit more expensive than others but I have found no hidden fees. I do have a very small cc business so the small annual fee is perfect for me.

Ditto! They're not the cheapest but since I'm a really small practice, I found they're the way to go. They also haven't j3rked with me :)

I hope that those of you with cc company problems have better luck. It IS frustrating to get messed with.

Hugs!
~Jyoti

I am looking at maybe signing up with ProPay. Calmhead247 and Jyoti would either of you be willing to share you experiences with them with me. I know both of you have said they aren't the cheapest. I am curious as to which 'program' you sign up for with them and if you use the reader, if you call in or do it online, any problems you have ever had with them, if you get the card or transfer to your bank account and how transferring has been for you... all those questions. You can PM me if you prefer! Thanks!
 


gpcmassage...

I have the premium package for $59.95/yr. If you want anything higher you have to show a history of accepting cedit cards. The only anoying thing is a transaction limit of $500. It is a $3000 a month limit but if you sell a gift certificate for more than $500 you have to process it as 2 seperate transactions. Fee wise it's only $0.35 extra but it is annoying.

I call the number in using my cell and I do an imprint recipt for the client and myself. The card reader seems good but it doesn't tell you if the card is declined until you hook it up to your computer, then you have to track down your client and get another cc#.

I also like using the debit card they give you. Since I don't use my massage money to pay bills,(I massage PT) I don't have to wait for it to be transfered to my checking account. I only use my massage money to purchace items that I could use a credit card on.

hope this helps!
 


I am not happy with Charge

They put me in a package the is too expensive for my practice. So for me to get out of my contracte I need to pay $300 because it is a 3 year commitment.
 
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    MONDAY at ๐—”๐—Ÿ๐—œ๐—–๐—˜ ๐—ฆ๐—ฃ๐—”, 4915 Steeles Ave. E, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿฎ๐Ÿต๐Ÿด-๐Ÿฌ๐Ÿด๐Ÿต๐Ÿด. 3 Sexy Young Girls Today at Alice Spa. Open 10am to 9pm : MIKO: from Taiwan, is young, very pretty, slim & busty internet celebrity who can make your face shine. 5'2", 100 Lbs, long black hair. Excellent service strong massage bbbj cim dfk, all menus. SOPHIA (11:30am-9pm): is a cute, young & pretty Singaporean girl
  36. HollywoodSpa:
    Monday at ๐ŸŽญ๐—›๐—ข๐—Ÿ๐—Ÿ๐—ฌ๐—ช๐—ข๐—ข๐—— ๐—ฆ๐—ฃ๐—”๐ŸŽญ, 4578 Yonge St, Unit 100, North York, ON: MIMI & TRACY. โ˜Ž๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿฎ๐Ÿฎ๐Ÿฎ-๐Ÿฑ๐Ÿฑ๐Ÿฑ๐Ÿฐโ˜Ž MIMI is a slim Chinese spinner hottie with a great ass, great body slide & liberal services. TRACY is a slim, taller & pretty lady, very friendly with an extensive menu. When you visit ๐ŸŽญHollywood Spa๐ŸŽญ, you will be treated with tender care \
  37. bnwellness_wilson:
    have 4 masseuse are working today. Young sexy Michelle 25โ€™s with curve body open mind and new Tenteant Anita 30โ€™s with curve body open mind, young pretty popular Lily small 25โ€™s with curve body and cute GFE Ella are providing deep tissue massage, pls call 4163985777 book appointment and walk in always welcome, back entrance and parking available. 350 Wilson Ave North York
  38. ForeverWarden:
    Monday at ๐Ÿซฆโค๏ธ๐Ÿ”ดโ™พ๏ธ๐“•๐“ž๐“ก๐“”๐“ฅ๐“”๐“ก ๐“ข๐“Ÿ๐“โ™พ๏ธ๐ŸŸฅ๐Ÿ”ดโค๏ธ๐Ÿซฆ 2190 Warden Ave, Unit 201, Scarborough ๐Ÿฐ๐Ÿญ๐Ÿฒ-๐Ÿด๐Ÿฌ๐Ÿฌ-๐Ÿณ๐Ÿด๐Ÿด๐Ÿณ: Bella, Cali & Cindy. Bella is around 5โ€™3โ€ with a thin to medium build, C Cups, and a pleasing personality. She can offer dfk, bbbj and cfs as well as a good massage experience. Cali is a slim and beautiful Korean lady with a complete range of services. Cindy is a slim beauty, 5โ€™4โ€
  39. Jennyโ€™s Spa:
    ๐ŸŽ‰๐Ÿ’JENNYโ€™S SPA๐ŸŽ‰๐Ÿ’ โœ…5170 DUNDAS STREET WESTโœ… ๐Ÿ‘ŒETOBICOKE ONTARIO M9A 1C4๐Ÿ‘Œ โ˜Ž๏ธ( 647-893-5196)โ˜Ž๏ธCall or Text โ˜Ž๏ธ( 437-888-3759)โ˜Ž๏ธCall Only (ETOBICOKE) OPEN 10am to 9pm MONDAY to SUNDAY ๐Ÿ”ฅโœ…GRAND OPENING๐Ÿ’ฏNEW GIRLS EVERYDAY๐Ÿ”ฅEXCELLENT MASSAGE + SERVICE QUEENS NOW AVAILABLE AT JENNYโ€™S SPA FOR ALL YOUR MASSAGE AND SPECIAL EXTRA NEEDS๐Ÿ”ฅ๐Ÿ’ฏ๐Ÿ˜˜๐Ÿ”ฅโค๏ธ๐Ÿ‘Œ ๐Ÿ”ฅTWO BEAUTIFUL NEW YOUNG ASIAN GIRLS EVERYDAY๐Ÿ”ฅ ๐Ÿ’ฏREAL PICTURES OF ATTENDANTS๐Ÿ’ฏ ๐Ÿ”ฅ๐Ÿ’‹Limited Time Special Promotion๐Ÿ”ฅ๐Ÿ’‹ โœ…๐Ÿ’ฆ30 Minutes Nude Massage w
  40. SugarLoveSpa:
    Monday at โค๏ธ๐Ÿ’™ ๐Ÿ’œโŽ๐—ฆ๐—จ๐—š๐—”๐—ฅ ๐—Ÿ๐—ข๐—ฉ๐—˜ ๐—ฆ๐—ฃ๐—”โŽ ๐Ÿ’–๐Ÿ’—๐Ÿ’˜: ANA, CAMILLA, ELLA & TIFFANY. 1270 Finch Ave W (at Keele St), Unit 18. North York, ON โ˜Ž ๐Ÿฐ๐Ÿฏ๐Ÿณ-๐Ÿฏ๐Ÿฒ๐Ÿฑ-๐Ÿฎ๐Ÿฒ๐Ÿด๐Ÿด โ˜Ž ANA is a young, short and sweet lady, 5โ€™1 & 105 Lbs, very tight, with a small to medium booty. Ana is a versatile honey who provides great massage, & can accommodate your needs. CAMILLA is from Mexico and Indiana
  41. Golden Flower Spa:
  42. Pink Flower Spa:
  43. Annie Spa:
    ๐ŸŽ‰๐Ÿ’ANNIE SPA๐ŸŽ‰๐Ÿ’ โœ…7-1001 SANDHURST CIRCLEโœ… ๐Ÿ‘ŒSCARBOROUGH ON M1V 1Z6๐Ÿ‘Œ โ˜Ž๏ธ (647) 891-9688โ˜Ž๏ธ โ˜Ž๏ธ (416) 291-8879โ˜Ž๏ธ (FINCH & MCCOWAN) OPEN 9:30am to 9pm MONDAY to SUNDAY ๐Ÿ”ฅโœ…NEW MANAGEMENT๐Ÿ’ฏNEW GIRLS๐Ÿ”ฅ๐Ÿ”ฅ ๐Ÿ”ฅGORGEOUS NEW YOUNG ASIAN GIRLS - TODAYโ€™s ROSTER INCLUDES: ๐Ÿ”ฅ Judy๐Ÿ˜˜๐Ÿ”ฅOur new Asian massage girl Judy is a vision of refined sensuality, with a graceful figure and smooth, flawless skin that radiates warmth and allure. Her striking black hair frames her delicate features, and her poised elega
  44. Lulu_Villa_Spa:
    Sasa friendly Vietnamese girl Judy is a gorgeous model type Vietnamese Girl Cherry ๐Ÿ’ From Malaysia Part time School girl Sami Vietnamese Girl Natalie filipina mixed Petite girlโ€จโ˜Ž๏ธ647- 446-0886
  45. luckywellness:
    Lucky Wellness Center 4379721888 295 Eglinton Ave E,Unit 7,Mississauga Kiki and chloe Sarah works
  46. Lulu1980:
    Phoenix Blossom Spa ๐ŸŒน๐ŸŒน๐ŸŒน Three girls every day ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ 5124 Dundas West Street, Etobicoke โ˜Ž๏ธ 416-817-3366 ๐Ÿ‘ Newโ—๏ธNew girl โ—๏ธCindy, sexy girl 1.65 M.pretty boobs 36D๐Ÿ˜˜Superb service ๐Ÿ‘ Sweet girl Luna deep massage ๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜๐Ÿ˜˜ Hot and sexy body very provocative service ๐Ÿ˜๐Ÿ˜๐Ÿ˜๐Ÿ˜โค๏ธ You are welcome to make an appointment at any time or walk in directly through the back door. We have ample parking spaces available
  47. Alibi Massage and Spa:
    ๐Ÿ”ฅNOW at Alibi Massage & Spa ๐Ÿ’ƒ Breathtaking ladies ๐Ÿ’†โ€โ™‚๏ธ Pure pleasure & relaxation with an exclusive twistโ€ฆ ๐Ÿ“ž905 212 1222 ๐Ÿ“1380 Matheson Blvd East, Missisuaga
  48. New spring spa@:
    ๐Ÿ’–๐Ÿ’–๐Ÿ’–sexy hot busty ๐ŸŒน Indian ๐ŸŒน๐ŸŒนkorean girls๐ŸŒน๐ŸŒนworking ๐Ÿ’—๐Ÿ’—at markham โ˜Ž๏ธ416-669-8508โค๏ธโค๏ธโค๏ธ
  49. DareDevil:
    ARIA WELLNESS ADDRESS: 360 HWY 7, UNIT #6, RICHMOND HILL,647-222-5683/905.886.9993 (PHONES CALL ONLY, NO TEXT'N AVAILABLE) โ™ฅ๏ธTODAY'S Schedule!โ™ฅ๏ธ Loaded lineup with Young Beautiful Girls : New Girl Joey, Lovely Lisa, Charming Chloe, Magical Mia and Work out๐Ÿ‹๐Ÿšด๐Ÿ’ช Babe Amy! BUY 10 HOURS (GET 11 HOURS) **TODAY'S PICK OF THE DAY IS LISA**
  50. wonderspa:
    ๐ŸŒบwelcome to wonder spaโ˜Ž๏ธ416-5000-800,L6a4H8๏ผŒopen sun at 10 to10.we have 4young beautiful girls working everyday,Ensuit shower available ๐Ÿ…, friendly nice girl Sunny providing deep tissue to relax message back walking hot stone and nice body slide,back walk ๐Ÿ…joey is very good looking,big big breasted sweet sensual oil touch,deep to relax massage,really popular,must try๐Ÿ”ฅ๐Ÿ”ฅ
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