Total Merchant Concepts Reviews
2.6K CLAIMED LOSSES
8 TOTAL REVIEWS
3.8K PAGE VIEWS
Total Merchant Concepts Reviews
Beaters,lyiers, misleading, untruthful company
Over charged my account for 49.50 more than what they was suppose to then gave several date that they was suppose to crdit my money plback every time I call they move the date hatmy money is supposed to go back into my account two to three day more to wait then it went from two to three day to the next day to not at all I warning everyone don't sign with this company they are to high the customer service is very bad they take out money that they are no suppose to take then don't want to refund it. ....... WARNING .......DO NOT SIGN WITH THIS COMPANY..... LOOK At other companies such as the SQUARE or REVAL let total merchant services be your last result,,..,.
Reason of review
Problems with payment
Stay away from
I tried to sign up with this company though my credit union. I never received a swipe card and it took a lot of communication and phone calls to even get the sign up process moving. I've now cancelled the sign up process. This company appears very flaky. In fact, I may switch banks. I've reported my concerns about TMC to my credit union, and they don't seem to be too concerned. So I will most likely be switching my business banking to another bank vs. my credit union. Anyway, I would recommend Square over TMC. I've been happy with the reliability and efficiency of Square.
- No customer service
Reason of review
Problem with delivery
I have only positive commments about TMC. Try to process through a bank's processor- night and day! They are not predatory and overcharging. I am cancelling my service at the end of the month (for a separate reason) and with 30 days notice- no fees. PCI fees, etc are industry standard- not specifric to them. they consistently notified me of deadlines so that I could avaoid fees. This is the place in Vancouver, WA. I mention it because there are many similar names for businesses and maybe some of these reviews are for other companies. I will always recommend their services. If you want to use square, fine. You will still be paying the fees, they are just not as visible because the fees are wrapped in the flat % fee that may or may not be better than the other fees. The monthly fees, etc. billed by TMC are minimal compared to most processors.
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Cancellation fees for the naive, loyal client of 5 years.
I was 23 and admittedly very dumb when I started an IT business. I followed my bank's recommendation and applied for credit processing services through TMC in 2009. I read through the documentation to the best of my ability then, seeing a $250 cancelation fee for closing services without 30-days notice. We have grown substantially over 5 years and have been made many offers for credit processing rates MUCH lower than that of TMC, but they were our first, pleasant to deal with and I liked the company. We received an offer to sell our business, and within a 2-week window, everything was transferred to the new owner. I called TMC to cancel our services and was told we would have a cancelation fee of $250 or MORE. Maybe 5 years of service is piddly squat to TMC. We were a fairly small company and paid roughly $85-$160 in fees every month. We are by no means a rich business, and after 5 loyal years, I feel like we're being smacked on the back for a time of absence. I understand a cancelation charge for terminating early. Like a cell phone plan, if you cancel within a given time, you are penalized. What I did not realize is that there was never a time frame for this contract that I signed. I was naïve in assuming 2-3 years obligation, but without being explicitly stated, this fee would linger indefinitely. We were planning to use TMC for our future processors, but with lack of consideration on their part, we will not make the same decision. For our future business, and for the new business owner of our store, I cannot recommend your services. We were offered to be refunded our cancellation fee if we re-sign with our new business. Simply No.
Reason of review
There is no time period (1-3 years) of obligation, only 30-days notice on the cancelation terms. 5 years of loyalty broken and our future businesses will not be with them. I don't expect a solution.
Secretly Debits Money From Bank Account without notification & accepted payment from my customer and did not deposit the funds, but kept the money.
This credit card processor did not make me aware that a charge back from a buyer was sent to them. Instead, without notifying me, they took the $158 the customer charged out of my bank account, and froze all deposits from our paying customers!!! In essence, they are keeping money that does not belong to them, and I have to provide the merchandise to the customers who paid for it, without getting paid by the credit card processor! It should also be noted, that this was done, prior to me being able to respond to the claim of the customer that ripped us off for the $158! DO NOT USE THIS COMPANY!!! I am calling the Attorney General and the Better Business Bureau today!!! $308 loss, plus my time as an appraiser/dealer at $75 hr, which so far has come to about 10 hrs.
Total Merchant Concepts - Beware
Month to Month contract does not matter cause they will issue an early termination fee regardles of whether you give them notice. I was with them for 4 years. When gave notice that we were going to switch next month they charged me $367.00. There is nothing you can do since they have the ability to debit from your account. Thank god for social media, let your friends know this company scams! I'd recommend a different processor if your considering credit cards. Cherri Perry with the company sent me the email 10 days after they debited my card that they were issuing a fee against early termination - they will debit your account without notice.
DO NOT USE Total Merchant Concepts
I used Total Merchant Concepts for a credit card processing account for a couple of years, mostly because they were "month to month and you can cancel anytime." They cost me plenty of money because I was so small of a business I often had no charges at all for 4-5 months at a time, for which they billed me a service fee. I finally just finished cancelling their services, for which they charged me a cancellation fee as well. PCI compliance fees, Authorize Net fees, this stuff was ridiculous. If you are a small business, use something like Square or even Paypal. I hate Total Merchant Concepts.
If you accept credit cards, beware.......
Please bear with me here….in December 2011, I decided I'd try accepting credit cards. I didn't want to pay monthly rent on a card reader, and I didn't want to do it year round. I'm a tax preparer, and I only needed to use this service for 4 months. I dealt with Total Merchant Concepts in Vancouver. They made it sound so easy..So I paid $85 up front to "set up" the account. In February 2012, I had 3 clients use this service for a total of $963. The fee in February was $15.15. In March 2012 (no activity) my account was debited $58.35. In April 2012 (no activity) my account was debited $20, and I was told by Alex at Total Merchant Concepts that unless I wanted to get socked with an early termination fee, I had to do a transaction of $25 from my personal checking account to my business account which I did on April 17th. All this came about because when I saw the whole thing was a useless endeavor, I called to cancel, only to be told I couldn't unless I did this transaction. Now in May 2012, my account has been debited $65.11, for a total of $244. This makes the fees 25% of what I actually took in. If I had known it was going to cost this much, I never would have done it. I am instructing my bank not to accept another one of these things, just in case they try to sneak something ELSE in. I've had it. I would appreciate some sort of adjustment on my account, because, as I say, the costs involved were just not worth it. I took these charges over the internet…nobody had to do anything on my behalf except grab my money. I should say also that not only was Total merchant Concepts in on this, Pay Trace was also dipping in.
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Total Merchant Concepts