• Report: #1043268

Complaint Review: National Debit Card Network | Ripoff Report Verified™ …businesses you can trust. National Debit Card Network, U.S. and Canada based customer service, technical support available 24/7/365 days a year. National Debit Card Network, provider of credit card processing solutions, related merchant account services for independently owned businesses within U.S. & Canada. Offering new & existing merchants turnkey payment solutions at lowest rates guaranteed.

  • Submitted: Sun, April 14, 2013
  • Updated: Fri, September 26, 2014

  • Reported By: anonguest —
Federated Payments - Federated Payment Systems
2 Huntington Quad, Melville, New York United States of America

National Debit Card Network REVIEW: National Debit Card Network dedicated to total customer satisfaction. National Debit Card Network 100% dedicated to its customers, employees, team of independent sales representatives
*UPDATE: National Debit Card Network pledges commitment to Ripoff Report Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program that benefits consumer, assures them of complete satisfaction, confidence when doing business with a member business. National Debit Card Network recognized by Ripoff Report Verified™ as a safe business service.

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Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to National Debit Card Network for its ongoing commitment to its customers, employees and extensive network of independent sales representatives.

Ripoff Report’s discussions with National Debit Card Network have uncovered a strong dedication by the company to achieving customer and employee satisfaction. We have discovered that National Debit Card Network is willing to take all steps to solving any concerns or issues to a mutually satisfactory resolution. National Debit Card Network never wants anyone they conduct business with to feel like they weren’t taken care of. As an industry leader in the merchant services arena, National Debit Card Network wants their merchant customers, employees and sales team members to be 100% satisfied. [continued below]....
..... If they have any concerns, they want to know right away so they can address them quickly.”

The information provided in this report below is based on comments made by Greg Slote during an on-site inspection held by a third-party verification company with no biases toward Federated Payment Systems.

National Debit Card Network 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..

National Debit Card Netowrk is a credit card processing center and merchant account provider operating in both the United States and Canada. Their business model is to focus on improving the operating procedure of small to mid-size businesses by helping them save on operating costs while at the same time providing efficient and excellent customer service. National Debit Card Netowrk acquires leads through internet advertising and by purchasing targeted call lists in which their employees at the call center contact the potential clients. Once a client expresses interest, an appointment is set and confirmed and they will meet with a sales rep to review the services offered. All sales appointments are reported to and reviewed by the regional manager. Leads are also generated by client referrals and if any of those leads result in a sale, the client is paid a referral fee.

Once a sale is generated, the application is reviewed by the risks and underwriting department. Once approved, a welcome kit is sent out to the customer which includes operating instructions for the equipment. The equipment is then sent out to the client. The new system gets activated and tested. Customer service department is directly involved to handle any initial questions. Thereafter, clients can contact merchant support which is available 24 hours a day, 7 days a week.



At times, a client may not feel satisfied with the product or services they received. Upon receiving a complaint from an unsatisfied client/customer, a representative from whichever department is involved will contact the customer. The supervisor from that same department well be informed of the complaint as well as all actions taken to rectify the situation. Recently, a client contacted National Debit Card Netowrk complaining that the equipment he was sent was very difficult to understand and to use. National Debit Card Netowrk, at its own expense, sent the client new equipment that was operated in a different manner which made it easier for the client to understand and use. This is not a common complaint, however. All equipment is thoroughly tested prior to being shipped.

Merchant support helps all new clients to operate and understand the equipment, therefore it is very rare that clients call to complain about the use and operation of the equipment. To resolve this issue, National Debit Card Netowrk immediately shipped the client new equipment. Merchant services followed up to ensure everything was working properly. The client was very pleased on how fast the situation was resolved. Once a client complaint is resolved they are sent a satisfaction survey. If any client fills out the survey and gives a rating which is below an outstanding receives a follow-up call by either customer support or merchant services. To ensure that a potential client fully understands all details and is fully aware of the company’s processes, all new clients fill out the contract with a sales rep present to answer any questions. The client initials every page. Once the contract is complete, the client then reviews it and signs the last page in front of the sales rep.

National Debit Card Netowrk also has protocols in place for dealing with employees who may not be performing up to the expected standards to ensure that they are treated fairly, even if they need to be let go. When an employee is not performing up to standards or other work related problems are occurring, they are first given a verbal warning to get back on track. If that warning does not work they are then given a written warning. If they still do not improve, they are given a final warning. If all that fails, they are then terminated from employment. All employees are issued an employee handbook in which they must sign a “do not compete” order. If they violate that order, or if they are caught stealing customer information, they are terminated immediately.


In response to a complaint posted about National Debit Card Netowrk on Ripoff Report, Vice President of Marketing Greg Slote states that they have increased employee training and staff meeting. Additionally, all employees are instructed to make customer satisfaction their number one priority. Mr. Slote also recognizes the value of working with Ripoff Report and the Corporate Advocacy Business Remediation and Customer Satisfaction Program, and the platform it provides for businesses and clients to interact and resolve issues. “National Debit Card Netowrk appreciates the opportunity to remediate any complaint or issue that may arise from consumers, customers, clients or employees. [This program] allows the business to help resolve the problems.”

NATIONAL DEBIT CARD NETWORK / Statements from the President John Guirguis

"We carefully consider all customer concerns as constructive criticism and use them as tools to maximize our level of customer support. This is true for our sales representatives as well. After all, they are our front line and their satisfaction is of equal importance. We value all feedback and continually improve our processes based on the responses. This is key component of our success and helps National Debit Card Network to remain highly competitive with sustained growth. Expert customer support, talented employees and customer-focused sales team members are the key to our success,” states a high level manager at National Debit Card Network. “We are constantly reaching out to customers and employees alike with surveys, emails, webinars and other tools to remain an industry leader.”

A sales team member from National Debit Card Network recently advised us “I have spent a little over a year as an independent sales representative for the National Debit Card Network. I wanted to let other sales people looking for a position in merchant services and credit card processing know this company provides excellent support, pays commissions on a daily basis and gives me on an average three prequalified appointments each business day. This is a very competitive business and NDCN offers the support I need to be successful.”


"We believe the more knowledgeable the sales team member, the better they can educate the merchant in our products and services. That is why NDCN has lengthened our initial sales training and instituted evening advanced trainings each week.

As we rapidly expand our sales team, we have recently increased the size of our sales support team dedicated to answering any of their questions quickly.


National Debit Card Network proactively conducts what we call our “Merchant Check-up”. On a quarterly basis we reach out to all customers to review their accounts further ensuring we deliver the best customer service and technical support.

We have added close to a dozen customer service experts to help reduce hold times and provide the highest level of support.

We are constantly adding new programs and developing vendor partnerships to provide our merchant customers additional ways to grow their business and increase profits.

Because security is critical in our industry, we conduct criminal background checks on every single employee as well as all contracted sales representatives.

We continually upgrade our sales agent portal to make sure all sales representatives have the latest tools they need to efficiently and effectively manage each of their customer accounts.”

National Debit Card Network acknowledges that complaints posted on Ripoff Report (whether true or not) need to be addressed in a timely fashion. If Ripoff Report’s review discovers a legitimate merchant issue, NDCN address them quickly in hopes of a positive outcome leading to a better customer experience.

In summary, after our review, Ripoff Report is convinced that National Debit Card Network 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 Rip-off 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, 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 to 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 insure that the member business did right by their customer.



Federated Payments - Federated Payment Systems Federated Payment Systems, Federated Payments, FPS, OnePay, National Debit Card Network, MSI Canada, Federated Payments Canada, Wholesale Merchant Services, U.S. Bankcard Center Federated Payments - Federated Payment Systems - you decide Melville, New York


They always say its you. But whats always the common denominator? They are

When an employee almost dies after being found the next morning, blood soaked in an elevator, after using drugs and alcohol in the Melville office with Scott Avery afterhours, you must believe something is wrong

As a former employee of this organization for MANY YEARS at an executive level, I can only agree with the negative remarks posted. Not only have I had a professional relationship with this organization, I have also had an extensive personal relationship with the individuals mention at this company. In the end, I was treated just like everyone else was; disposable.

No matter how good you are, how much revenue you earn them, how hard you work for them It will come to an end and they will fabricate anything to put the blame on the other party. This is a company who fired 20+ employees, just hours before a company Christmas party. This is a company who

intentionally cuts off residual payments weeks before they vest for life to the agent. This is a company who will [and has] take away the livelihood of the most loyal of employees.  All because they are greedy. CEO Jon Levitt says it best with his famous line, My kids eat first.

Jon Levitt recently terminated the #1 sales manager for the past 5 years, via a phone call from home, while the employee was at his desk working to earn this company more. This is a manager who has accounted for over 10,000 of their existing clients. Thats more than Scott Avery, VP, has even accounted for. All over a rumor that this individual was looking to advance his career else ware after CEO Jon Levitt stated, as long as L**** is employed at Federated, he will be a sales manager. Period. Furthermore, they attempted to slander his name across the company after his dismissal rather than resolving the matter privately. This is an employee who would work 65+ hour weeks with no overtime; fueled by his dedication to the company.

They will attempt to discredit you: They will hypocritically denounce you. Calling you irresponsible, dishonest, or disloyal.

Then they use lines like:  Just another case of a rep who cant close Just a guy mad that he cant sell -  You violated your agreement ( usually based on fabricated info)  to rebuttal any blogs like these.

They will tell you: We cant set appointments in your area anymore, its a bad area. (this is how they get you to perform below your contract requirements so they dont have to pay you anymore)

The bottom line at this company is the bottom dollar. I understand free enterprise, I appreciate capitalism, and yes I was part of this organization for a very long time.

Just remember EVERYONE IS DISPOSABLE at this company. 

Federated Payment Systems, a.k.a. Federated Payments, a.k.a. FPS, a.k.a. OnePay, a.k.a.  National

Debit Card Network, a.k.a. MSI Canada, a.k.a. Federated Payments Canada, a.k.a. Wholesale Merchant Services, a.k.a. U.S. Bankcard Center, is directed by Jon Levitt, John Guirguis, and a silent partner who has no part in the daily operations of this company. Evan Schweitzer is the CFO and Scott Avery is the #2 to Jon Levitt.

This report was posted on Ripoff Report on 04/14/2013 11:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Federated-Payments-Federated-Payment-Systems/Melville-New-York-11747/Federated-Payments-Federated-Payment-Systems-Federated-Payment-Systems-Federated-Paymen-1043268. 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 UPDATE Employee

Federated Payments is a scam

AUTHOR: Justintime - ()

Federated Payments is a scam. I was just told by the marketing manager that it costs to much for these guys to keep setting appointments for me. After working for them for about 2 months i have sold 19 accounts and from what i was told thats about average by my manager. about 5 days ago my leads stopped being sent to me. At first they said my sales were too low but when i pointed out i sold 19 accounts they changed the story.

These guys are full if it. I read these posts before i started and the recruiter passed me on to Scott Avery who tried to tell me that this site itself was a scam and the posts here were all made up by competeitors. I can say that 99% of these post sound very accurate after my experience.

Lets see if i get paid on all the accounts. They already held commissions on two deals because they claimed the profit on the accounts wasnt enough. yet they still took the accounts. Sounds like im screwed.

Thanks for wasting my time.
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