• Report: #1010417

Complaint Review: EuroPay Solutions | Ripoff Report Verified™ …businesses you can trust. No upfront fees. EuroPay Solutions specializes in internet-based payment processing. Due to streamlined, efficient structure, EuroPay Solutions is flexible, can react to individual customer requirements. Founders of EuroPay Solutions have many years of experience in online payment business, always having right ideas, solutions for customers.

  • Submitted: Thu, February 07, 2013
  • Updated: Wed, April 16, 2014

  • Reported By: BostonMike — Boston Massachusetts United States of America
Euro Pay Solutions - EuroPay Solutions - David Isaac Solomon
Honved Utca 8 I em 2 Internet United States of America

EuroPay Solutions REVIEW: EuroPay Solutions dedication to merchant satisfaction. Confident in its services, EuroPay Solutions charges nothing upfront. EuroPay Solutions specializes in internet-based payment processing. Their past and current objective is to provide the highest quality international merchant account & ePayment Services to PSPs, e-commerce companies & mail-order businesses via national & international payment systems. California, Nevada, Switzerland, United States, European Union
*UPDATE: EuroPay Solutions receives a positive rating for their commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. By joining our innovative program, EuroPay Solutions made a serious commitment. Their commitment to finding accounts without upfront fees, making sure clients are paid in full and on time from the bank allows clients to feel safe, confident, and secure. EuroPay Solutions recognized by Ripoff Report Verified™ as a safe business service.

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REVIEW UPDATE JANUARY 16 2015: Europay Solutions remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Europay Solutions is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, Europay Solutions has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, Europay Solutions has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Europay Solutions remains committed to improving customer satisfaction. [continued below]....


Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com
 Europay Solutions is Rip-off Report Verified

Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to EuroPay Solutions for its commitment to excellence in merchant services.

Ripoff Report’s discussions with EuroPay Solutions have uncovered an ongoing commitment by the company to total merchant satisfaction. This means that merchants can expect the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. EuroPay Solutions listens carefully to merchantand/or broker concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the merchant services offered and the support for the merchant accounts they provide.

EuroPay Solutions’ principal, Mr. David Solomon, has informed us that his personal philosophy is that his clients are a precious resource. As a successful businessman, Mr. Solomon feels it is critical to listen to his clients and respond properly. By always putting his clients first, Mr. Solomon hopes to maintain EuroPay Solutions as a successful enterprise both now and for many years to come.

Another top executive of the company told us that Mr. Solomon's personal business philosophy is based on the premise that "success in the marketplace comes from the company management’s strong market knowledge and the quality of its system and product offering, enabling merchants to process high volume transactions and achieve their goals and business objectives, while reducing the risk of transaction fraud”. EuroPay Solutions' mission statement says it all: "Our goal is to provide our clients the best quality merchant services by managing risk with our experienced risk management team, assuming liability for merchant losses, and ultimately participating in long-term processing relationships." Some of the other things Ripoff Report learned in the course of its review is that typical customer feedback reads: “EuroPay Solutions (and Mr. Solomon) truly communicates all aspects of the merchant account in a timely and effective manner. We are very pleased with the responsiveness that he and his partners show us. They are serious about meeting commitments, and deliver on all their promises.”

The information provided in this report below is based on comments made by Josh Russell during an onsite inspection held by a third party verification company with no biases toward Europay Solutions.
EuroPay Solutions is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

EuroPay Solutions target market consumer is any business selling goods or services online. They first get merchant leads either through their website or a broker who is in touch with the merchant. Then, they collect compliance materials, which include: corporate documents, identification and proof of address on the shareholders, previous processing statements if they have them, a short application and business summary describing their business, and a list of their website addresses. Next, they forward the materials to the bank they feel is best suited for that particular merchant. Upon approval, they get a contract to the merchant with rates and terms, and after getting a signature, they move to the integration phase of the account.

Their company has created a model that streamlines the merchant account approval process so that merchants are able to know what their options are with various banks. That is, they get answers back quickly after underwriting their account so they know which banks will accept their account and which won’t. Their vision is to use the several banking relationships that they’ve established over the past 10 years to place merchants directly with a bank so that the merchant can feel secure in knowing they have a partnership with the bank and have full control of their processing funds and account at all times. This contributes to their vision of creating a place in the market wherein merchants refer each other knowing they can have a sense of security for their business and their friends’ businesses long term.

In order to advise and suggest products and solutions for clients, their office utilizes certain practices. First, they have a telephone or Skype call with the merchant and/or broker. Once they’ve established what their needs are, they give them options of different solutions that they think they can get approved for them (i.e., banks, countries of the banks, terms of the accounts with respect to different aspects of their processing needs such as recurring billing, etc.). They educate merchants on the various options and solutions available to them as much as they need too based on their previous experience with credit card processing.


Their sales process consists of speaking to the merchant to determine their needs, letting them know what they can offer them as far as rates and terms go, educating them on what this means to them and how they can help their business by educating them on how their process works during processing with regards to avoiding chargebacks, keeping a steady volume going on the account, and always keeping their account in good standing for ultimate longevity of their processing model. Once they’re sure the merchant understands fully, they will then issue the contract, and if they have questions or want to dispute the rates or terms, they negotiate back and forth until they come to an agreement. They feel as though they can always settle with the merchant based on the notion that their long term commitment to a relationship with them is far greater than getting the highest possible rates for their account(s).

After signing up with Europay Solutions, a customer can expect to go through a specific, standard process. Once the contract, or merchant agreement, comes back signed from the merchant, they send them integration materials and logins for the gateway so they can connect the back-end or payment page of their website to the gateway for seamless online credit card transaction processing. Over the first couple weeks of processing, they encourage the merchant to stay on top of any error codes their getting back from the gateway and any problems that occur with their processing in general and to cc: us on all emails going to the support staff for the gateway so they can make sure their needs are being met.

EUROPAY SOLUTIONS / Complaint Resolution

The Common complaints their company usually receives relate to the functionality of the particular gateway a merchant is setup on. In some cases, a gateway they place them on for processing does not easily work with the payment back-end they already have in place. Fields may not be named the same thing or just may not be the same, and they may not be able to get declines on transactions at a higher rate than they should be. In these cases, they work closely with them and the support staff of the gateway to figure out, one, what they may be doing wrong, and two, what inconsistencies between the back-end of their website and the processing gateway may be causing the errors and leading to increased declines. If these problems occur, it’s usually addressed in the initial days of processing and resolved to where their approval ratio is up at above 80% where it should be.

During the onsite interview, Josh Russell was asked to describe a specific situation in which a client was not satisfied with the level of service or products they received: “Recently, a new merchant had fully integrated their back-end to a payment gateway we set them up with, and upon beginning to take orders online, they were getting an unusual amount of declines. We worked closely with them as a liaison between the technical staff and the support for the gateway to quickly diagnose that the fields they already have designated in their payment system didn’t properly match up with those of the payment gateway. Rather than rewrite their entire back-end, they decided it was better to just get another account. For this as well as other reasons, we usually will apply with more than one bank on behalf of the merchant. We were able to quickly transition them to another gateway under a different banking solution, and the same cards that were getting declined due to the inconsistencies of the fields were now getting approved. So, they didn’t lose any transactions or customers in the process, and the smooth transition made them happy and allowed us to retain the merchant hopefully for the long term. The merchant (client) responded well, and since we are close with them and communicate via Skype on a regular basis, we expect to be well-informed of any problems they have so we can address them as they come up.”

In an effort to follow up with their clients, Europay Solutions tries to keep in touch with their clients on a regular basis. Their main practice is to have a connection with them on Skype so they feel they can message and/or call at any time if they have questions about their processing account.

Because of the multiple direct banking relationships Europay Solutions has established over the past 10 years, they are able to connect merchants with the bank they get their account approved at directly. The EuroPay difference is that they place the merchant directly with a bank, not a processor. Clients have the relationship with the bank they partner them with, and they control their funds and account at all times. This is what they believe sets them apart from other competitors.

Mr. Russell was asked what changes he has made in his position since complaints were made on Ripoff Report to ensure that consumers are receiving the best customer service possible. He stated, “The complaints we received on Ripoff Report were very personal in nature and did not have anything to do with customer service. They were from ex-employees upset with the company and did not concern the way we handle our clients, the sales process, or our processing model. Even still, we aim to please, create long term relationships with our brokers, merchants, and banking partners, and any issues that arise, we address as they come up.”

Europay Solutions is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. As a growing company, they are looking to get their name out into the merchant processing world. Under any circumstance, they are pleased to be partnered with other well respected companies that consumers know and trust. They see this as an opportunity to show the type of resilient company they are and how good they are at helping their clients and partners in the industry to find resolution. The partnership with Ripoff Report under the Corporate Advocacy Business Remediation and Customer Satisfaction Program is something they are honored to join forces with in order to get the EuroPay name out there for people to see and for more opportunities to show the processing world what the EuroPay Solutions’ name really stands for in the industry and what their team is capable of.

EUROPAY SOLUTIONS / EuroPay Solutions’ Head of Operations

In the age of expanding global commerce, the evolution of payments has undergone huge technological advances, which have greatly improved the ease and convenience of doing business. EuroPay Solutions specializes in the fast growing credit and debit card processing industry. EuroPay has entered into agreements with 16 banks in order to give clients options and also achieve better terms and wider acceptance/approval of clients. The company is setup and based in Switzerland and specializes in offering global processing/acquiring services to major and mid-sized organizations. EuroPay has become a global payment gateway for e-commerce transaction processing to blue-chip organizations. Our reliable, fully integrated electronic systems are supported by uniquely skilled professionals and allow us to deliver the highest level of customer service at the lowest possible cost. Contact us to see for yourself how we connect our merchants to our many banks through our state of the art processing platform.” ~ Josh Russell

EuroPay Solutions’ support team have expressed that they feel very confident doing their job. The programs manager at EuroPay stated, "I have seen Mr. Solomon take personal interest in the system design and component selection for the merchants. With his extensive knowledge of the financial services industry, I know that he has the best solutions for creating a platform that benefit our merchants. It always gives me great pleasure to go back to the merchant a year after integration and find that the payment system has exceeded their processing expectations.”

EuroPay Solutions takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "EuroPay Solutions provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. David is truly concerned about my contribution to the company as Head of Sales and providing growth opportunities for me. He takes the time to listen and communicate with employees, partners, and clients." Ripoff Report was pleased to learn that EuroPay Solutions’ past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.”


Besides the personal statements made against members of EuroPay Solutions on Ripoff Report, there were some claims of brokers and/or merchants not getting paid. Although these were from ex employees who had been let go and were upset with the company and consisted of unfounded claims that were never pursued, we felt like communication was lacking with these individuals, and as hard as it is to be cordial with individuals when they’re upset, we have now established mediation guidelines to successfully communicate with those who have a grievance with the company, whether that grievance is well founded or not. These guidelines include Ripoff Report’s procedures for resolving such matters along with steps that EuroPay takes to make sure our employees (ex and current), brokers, banking partners, and merchants’ voices are heard and their disputes with the company resolved.

EuroPay Solutions recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report’s Investigation,EuroPay Solutions has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our investigation, which included discussions with Mr. Solomon and many of his past and current associates, Ripoff Report is convinced that EuroPay Solutions is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer and assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program,they agree to allow Ripoff Report contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can ensure that the member business did right by their customer.



David Isaac Solomon - EuroPay Solutions Scammer, Liar, Fake, Thief, Criminal, Roger Samara Internet

I worked with this guy for almost a year and never got paid a cent, even though I found out later that there were deals that went through that I was supposed to be paid on.

David is a first class liar, thief and criminal. His partner Roger Samara is now in federal prison in Florida for running a scam, where he stole people's identities and opened merchant accounts, keeping the money for himself and I assume his partner. He was arrested on his arrival in the United States in the spring 2012 by the United States Secret Service.

Both David and Roger are out of Montreal, Canada.

I know of numerous people who have been stolen from by this guy, some to the tune of hundreds of thousands of dollars.

While we were working together the guy did nothing but lie. He lied about his background (said he used to work for Goldman Sachs). At that time he was actually in prison. I know of 3 times David has served in prison, twice in the United States and once in Canada. Search David Indy Chityal (his real name before having it legally changed in Montreal) online and you'll find a lot. If you search David Chityal and David Solomon you'll find the name change document in French from Montreal's newspaper. A simple google translation will reveal the truth.

He will try to tell you that David Chityal is his brother in law. Another lie.

The guy also would tell people he had cancer. He supposedly had and recovered from cancer numerous times. He also said he was a 2 time survivor of pancreatic cancer. As we all know, that is impossible.

If I had a dollar for every time the guy was dying I'd be rich.

Bottom line, stay away from this guy, he's trouble.

I'm sure either the authorities or someone he's stolen from will catch up with him eventually. Karma is a nasty thing...

This report was posted on Ripoff Report on 02/07/2013 12:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/Euro-Pay-Solutions-EuroPay-Solutions-David-Isaac-Solomon/internet/David-Isaac-Solomon-EuroPay-Solutions-Scammer-Liar-Fake-Thief-Criminal-Roger-Samar-1010417. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 Author of original report

David's ex wife speaks

AUTHOR: BostonMike - (USA)

I found it interesting that David's own ex wife has posted twice on one of the threads.  It appears he doesn't pay his child support either.  What a surprise!

So if anyone has any doubts about the validity of the claims against David, by me or by anyone else, all they have to do is read the poetic words of David's ex.  I've taken the liberty of repeating them here in case anyone missed them:

David Chityal changed his name in my opinion, simply because i think he didnt want to be associated with what he perceived as his shitty family anymore. mother(margret machado) is a thief(i hope she sues me for defamation simply because i have proof) , father is ookay funny guy although the children have mad ea vilain outta of him , sister is neurotic, david loves his sister, so she thinks.. he was gonna pay for his sisters second boob job. also for her car.. did he? or does he abandon people he loves? 

david does abandon people. He is first a coward. yes he lies..so?

but let me tell you, most of you are mad, because he f**ked you... but all of you are f***ers from inception, just NOT the master f***er.

I beleive that Dave has an opportunity to do right in an industry that he is extremely good at.

if only he would pay his child support in Canada. Hes a bum. this link was sent to me.. 

since i have asked governement to helpme track down David to collect my child support, i hope this medium will result in dave calling me and wiring $$ to his children.

I dont think dave is in Hungary at all with his wife Suzanna. In fact, his other montreal Girlfriend Jezebel called last name Van der Gaast is/was doing business with the father  In France.  

Davis is a master of illusions. u bet your sweet a** if he tells you hes north, hes south! 

Pay your child support u bum! V.


What if you do not pay?   .. well you can rip off jane d**k and harry, angry babies, but rip off your children and canadian laws dictate this;

If you do not pay your child support, the wrath of the entire feminist judicial and jail system will come down on you.(ok thats from me);

You can have your drivers licence revoked even if you drive for a living You can have your passport cancelled denying your charter right to travel You can be sentenced to six months in jail and unlike common criminals, you will not get early release or parole or probation. You will serve every single second of your sentence. The only way to get out is to pay whatever child 
support is supposedly due. This is debtor's prison. 

And while you are in jail, your child support payments are still due and mounting up 

Send me your banking information. I will seize your account for a judgment. I am doing this for your own protection David. think of your furture, you have other things to do then back in jail, which appears like some wished you there. :s V-
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#2 Author of original report

A threatening email from David Solomon

AUTHOR: BostonMike - (USA)

Today I received an email from info@europaysolutions.com that was both threatening and obscene. Not only did Mr. Chityal/Solomon threaten the safety of myself and my family, but he threatened to post false accusations of criminal acts by myself on the internet and tell authorities of supposed criminal acts that never took place.

So those who are defending this guy should know what he really is, a thug and a two bit criminal.

His day will come.
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#3 Author of original report


AUTHOR: BostonMike - (United States of America)

That's interesting considering the company isn't even registered.  There is no company. 

And I am not a reseller who was "terminated".  I quit as David's agent when I discovered who he really was, an at least 3 time felon and a criminal. Maybe in the "company rebuttal" they would like to rebut something about Mr. Roger Samara and his conviction for identity theft after he opening up merchant accounts and then kept the money.

Here is Mr. Samara's lovely mug shot. If Mr. Chityal/Solomon ever landed in the US or any other Western Country he would be wearing the same outfit.

Funny he should mention Interpol, they are looking for him.
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#4 General Comment

Open Letter to all

AUTHOR: Xee - (Hong Kong)

First off I would like to say I have been following this little saga of defamation for the past few days.

 To my surprise I am shocked that the author of this last message in this string is called NickCage49. 

I too am in the internet industry and run a ultra successful dating company. I have met Mr Solomon on 3 occasions, once in Montreal Canada (2011) at the Qwebec Expo, and the other two times also in 2011 during the shows in Amsterdam and Prague.

My impression of the man is that he knows banking and merchant processing better then just about anybody. The business model  he pitched me in 2011 is was precisely that of what his firm has stated in a very professional rebuttal.

I have never had a chance to work with the firm Europay Solutions as we have long been processing via our existing channels for many years. I need to add that I personally know of other dating and adult sites that are processing via EuroPay, every single one of them are more then happy with the level of service, professionalism that employees of this firm have given. Important to note/add is these firms have saved what adds up to be tens of thousands of dollars per year in processing fees as Europay placed each one of them directly with a bank. I also can confirm that Europay does not handle merchant funds as all their clients are direct with the respective bank the firm places them at (also confirmed to me by industry).

I wish to state that I never get involved with this type of "drama" as its usually written by the "Haters" and "Trolls" of our industry. I am writing this today as I find it appalling  that the authors of these reports have spoken against the employes family/spouse.That is where I draw the line, what worse is that "Nickcage49" on a search of my contacts popped up a Bruce Friedman from AdultB2B.

Bruce you should be ashamed of yourself to say the very least, I can clearly remember that in Europe in 2011 Europay sponsored you and flew you in all the way from Thailand and comped the entire trip for you. Worse then that , the poor team at Europay probably had no clue that you have no real clients of substance to even bring to the table. I have spoken to you out of professional courtesy in the past Bruce, you have given me the same pathetic speech show after show. Even your so called marketing tips that you spam to everybody in the business are out dated and totally "Plagiarized" . You can count on not having our business ever Bruce, what levels you have dropped to on this one baffle ones mind and I do think you need to seek help.

I will add that I had the pleasure of actually reaching out to Europay today, had a very nice call with David, and am happy to say our firm is now proud to call ourselves his client, and are now one of the 35 000++ followers of his on Twitter.

Bruce , there is no justification for the slander and damage you have attempted to do to this man, I guess the plan backfired as now his business will grow exponentially from the mud slinging, and character assassination  you have been an architect of.

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#5 Author of original report


AUTHOR: BostonMike - (United States of America)

Where is your company supposedly incorporated? Not in Cyprus.  I have checked the registry in Cyprus. So where are are you incorporated?
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#6 UPDATE Employee

Response to Claims against EuroPay

AUTHOR: EuroPay Solutions - (Hungary)

To any reading these posts, weve posted The Company's position in response below.

Re:  Claims against The Company of merchants being defrauded.
Company Structure:
The Company does not hold any client funds.  Its not The Companys policy to do so, nor is The Company licensed to.  The Company connects merchants directly with banking partners of ours, and from there, the merchant has all control of the account.   They get paid directly from the bank as The Company works merely as a reseller for the banks it works with.  Moreover, The Company is not a payment gateway.  We simply make introductions to the banks that we deal with, and from there, the banks work with and pay the merchant directly.  Without control of merchants' funds, fortunately we are not responsible for merchant payouts.

Re:  Motive/Validity to Claims against The Company.
All complaints have shown up starting the evening of February 5th, 2013.  Just prior to this, the day of February 5th, 2013, The Company terminated three resellers and employees who were not performing for the company.  Any previously earnings these individuals had due under the company are being paid as scheduled.

Re:  Those behind the Slander against The Company.
Our lawyers in Geneva were the ones who brought it to our attention that someone was posting these things.  They have contacted Interpol, and theyre getting IP addresses and will be subpoenaing the Internet records of those they suspect of this defamation from their local Internet service providers.

Candid Remarks from The Company.
In recent weeks, we have let go employees.  We have findings to show, after further investigations complete, that these employees are the ones responsible for launching this campaign against us to discredit our company.  Aside from our legal investigations into these matters, wed like to say in response that, we are proud to have satisfied customers who work directly with tier one banks, we handle zero funds of any merchants, we act as the middle man for many banks, and were quite successful at what we do.

Anyone interested in inquiring into any of these matters personally with The Company, please contact us at info@europaysolutions.com.

The Companys 
general counsel is the firm of...

Spiegel Sohmer
1255, rue Peel, bureau 1000
Montreal, Quebec H3B 2T9

Any questions or claims can be addressed directly to them as well.
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