Cardservice International, Cardservice Republic, Clay King chargeback evasion, forging of documents, failure to fulfill service Irving Texas

Jackinworld.com declined by Cardservice due to the Adult Content of their web presence.

Company Profile
Cardservice International (CSI) is an established leader in the transaction processing industry. Founded in 1988, we have maintained an outstanding track record of bringing groundbreaking products, services and technology to market. Our experience and expertise have helped us remain at the forefront of the industry.

Cardservice International believes in the promise and value small to medium-size businesses offer the marketplace. Through innovation and experience, CSI helps guide these businesses in managing the opportunities and risks associated with establishing and expanding their payment processing capabilities. CSI has one of the highest approval rates in the industry, with most applications approved within two business days. In addition, our technological advances have effectively harnessed and exceeded the growing demands in the processing industry ? allowing us to support nearly every vertical market with increasing and profitable business solutions.

Whether opening a new business or expanding an established one, we provide flexible and secure products and services that enable merchants across the nation to accept nearly all types of electronic payments including:

Major credit cards: MasterCard?, Visa?, American Express?, Diners Club?, Discover?, JCB?
PIN-secured and signature debit
Electronic benefits transfer (EBT)
Gift cards, purchasing cards (levels II and III)
TeleCheck? Warranty and TeleCheck Electronic Check Acceptance? (ECA?) services
All Web-based, e-commerce transactions through the LinkPoint Secure Payment Gateway (LSPG) ? a secure and complete online payment solution
We are proud to be part of First Data Corporation, a company with a merchant base exceeding 4.1 million locations worldwide.*

*First Data Corporation 2004 Annual Report.
Th e First Data Independent Sales agent program is operated by Cardservice International, Inc. 0806
Proprietary and confidential. ? 2006 First Data Corporation. All Rights Reserved.
PREFERRED MERCHANT CRITERIA
? Merchant must have an acceptable credit profile without excessive derogatory credit
? Merchant keys in less than 30% of transactions
? Merchant sells retail or wholesale items and/or has business-to-business transactions
? Maximum annual bankcard sales of $1MM
? A personal guarantor's signature is required on the Merchant Application and Agreement for a private corporation or LLC with ownership value of 51% or greater; a public
corporation must have an authorized officer's signature (a personal guarantor's signature is not required); please include the public corporation's ticker/trade symbol
? Partnerships must have ownership value equal to 100% and one principal (partner) is required to sign the Authorization section; we prefer that you obtain all signatures
? A non-profit/tax-exempt organization must provide a copy of its IRS exemption letter (501C, B or 503); an association, estate or trust may be required to provide a copy of the
formative instrument
? An application for a government entity (federal, state or local) must be submitted with a completed copy of the Request for Approval of Proposal to Do ?Standardized?
Government Business (Form ?A? or ?B?)
HIGH-RISK REGISTRATION CATEGORY
MCC 5962?Any travel-related business that uses outbound telemarketing. This also includes any business that consists of discount travel clubs, membership or subscriptions
to travel services, and/or travel-related newsletters from which the subscriber may select prepackaged trips.
MCC 5966?Merchants classified under this category sell products using outbound telemarketing methods. This also includes merchants known as ?up sellers.?
MCC 5967?Information providers that offer services for a fee via telephone or the Internet; e.g., sweepstakes, polls, rap line for singles, sports picks, stock market quotes,
horoscope readings, psychic counseling, phone sex and online dating services. Audio-text merchants will not be permitted to accept any transactions via the Internet.
First Financial Bank must be the sponsoring bank.
REQUIREMENTS FOR $100,000 MERCHANTS
If the monthly account volume is equal to or more than $100,000:
? A letter with a brief summary of how the merchant's business operates and a description of the product/service provided for the average ticket amount indicated on Merchant
Application and Agreement; please include shipping method, delivery time and refund policy
? Business tax returns?two years
? Personal tax returns?two years
? Business financial statements?two years
? Personal financial statements?two years
? Articles of Incorporation or business license
? Six months of the most recent Visa/MasterCard processing statements, if the merchant has previously processed payments
? If there are no Visa/MasterCard processing statements, please submit the most recent three months of the merchant's business checking account bank statements
HIGHER-RISK BUSINESS TYPES / A SECURITY DEPOSIT MAY BE REQUIRED
? Auction
? Auto accessories
? Barter associations
? Cleaning/janitorial services/supplies
? Computer stores
? Contractors/construction/special trade contractors
? Coupons/certificates
? Diet programs/vitamin sales/herbal remedies?
MOTO/Internet
? Discount buying clubs/home shopping clubs
? Domain name registration
? Door-to-door sales
? DVD/VHS/CD?Internet sales
? Escort services
? Financial aid/counseling/student loans/scholarship
search services
? Freezer and locker meats
? Fulfillment centers
? Furniture stores
? Gambling advice
? How-to books?mail order/Internet
? Long-distance telephone service/prepaid calling cards
? Magazine, newsletter, newspaper subscriptions
? Massage parlors
? Membership clubs
? Motor freight carriers
? Moving companies or auto transport services
? Precious metals/gems and diamonds/rare coins/
collectibles
? Real estate property sales
? Seminars
? Timeshare advertising services and organizations
? Ticket brokers
? Theatre/concert promotions
UNACCEPTABLE BUSINESS TYPES
? Adult-related information services via the Internet/
adult DVD/VHS rentals?Internet membership
required
? Airlines/cruises
? Check-cashing establishments
? Collection agencies
? Credit card protection services
? Credit restoration/repair agencies
? Currency exchange
? Debt consolidation services
? Drug paraphernalia of any form
? Extended warranty contracts
? Firearms MOTO/Internet
? Gambling?illegal/unregulated
? Golf clubs?custom
? Illegal products
? Internet payment service provider (IPSP); e.g.,
aggregator (Internet billing for others)
? Investment opportunities/investment seminars
? Lottery clubs
? Medical benefits packages
? Merchants offering rebates or special incentives
? Money transfer services/cash advances
? Mortgage reduction services
? Pharmacies?MOTO/Internet
? Replicas?designer name products
? Tobacco sales?MOTO/Internet
Cardservice International/First Data Independent Sales will not underwrite any merchant account that uses Internet
advertisements containing nudity or adult content unless this sensitive content is censored, covered, blocked or removed.

Upon notification of decline application Clay King of Cardservice Republic (an Independent Agent of Cardservice International) acted as an intercessor to assist in finding a third-party processor specializing in adult content. The third-party set-up fees ($795.00 US) where agreed to as non-refundable and all application documentation including full fee/refund/privacy policies where disclosed and executed in agreement to by the complainant. Furthermore, It was fully disclosed that turn-around time for applications was 6-8 weeks. The complainant simply backed-out of the agreement prior to the account was fully activated. Contrary to agreements both verbal and written, the merchant proceeded in chargeback though their card issuing bank. Clay King of Cardservice Republic, acting as an independent consultant for the purpose of assisting the merchant in boarding their account with the third party processor, was held responsible for the non-refundable set-up fees. Furthermore, all merchant/customer receipt forms for credit card transactions between Cardservice Republic and merchant applicants conain the exact trailer text contained herein.

Example:

I AGREE TO PAY ABOVE AMOUNT ACCORDING TO CARD ISSUER.

SIGNATURE X________________________________________


RETURN POLICY:
By signing, I acknowledge this as a final and non-disputable transaction for services rendered.


Cardservice was awarded the credit card processing industry's highest award ?Acquirer of the Decade?... a resounding validation of our vision of providing outstanding customer service to each merchant.

I found this company going into my bank account behind my back taking 232.00 out without my knowledge nor consent. I complained to their customer service and actually was so pissed I cussed the Miss Jessica French poodle out before stomping on down to my bank to sign the neccessary documents about this horrible Cardservice international.

I got an email from a Cynthia Garcis that they are sorry and apologize and they will sent a check for 232.oo in separate cover. Now that you mention they haven't paid you. I wonder if they will send it to me. However my bank has thier email stating a refund and the apology and my bank people are sharp. They will go in and get my money back for me and I don't need their damm check. This really pissed me off royal. I am so mad they put us all thru bull#$$%^&&.

This matter has been resolved to my satisfaction. Thanks, Rip-off Report!