First Data Merchant Services Stay away from them Atlanta, Georgia

Mr. David, please don't pretend to be consumer when you are not. To clarify we need to say that based on our experience every merchant has a set advance limit for every transaction and limit for total monthly charges based on their credit worthiness and past transactions history and industry that they represent.

 We didn't start out of blue charging wrongfully the client or neither none of client filed a charge back or made any claim that we charge them 10 times more than we should.

We had all the necessary documents including but not limited to signed invoices indicating the delivery of goods. This wasn't the reason that self center processor (First Data)  hold the fund. Their reparative has contacted our client to verify the transaction which is very unusual for processor to do so.

Also need to inform you that they had inspected our showroom which has over millions of paid off merchandise.

We also need to say since they write whatever they want for their own benefit doesn't give them a right to do however they want.

So please don't defend the big boy that is bullying every one because he can.

It might be worth a shot at having your customer write a letter and copy a drivers license validating the transaction is legitimate and having it notarized and sent to Mr Davenport.  They are correct though. If you were cooking along with an average ticket of say $1000 and all of a sudden you did one for $10,000, they are well within their obligations to the cardholder to ensure it wasn't a mistake with you accidentally putting in too many zeros.  Also, if your credit cannot support the possibility of YOU having to come up with the potential refund personally if the money is no longer in your business checking account, you can't expect the processor to sit on the back fence waiting for a catastrophic loss.

When you go overseas and plan on using your credit card, you always tell your issuer so they can note it on the account in the event someone is worried your card is being used overseas. Likewise as a merchant, if you're going to do something anomalous like a transaction 10 times more than your average, etc., you need to call ahead so they can prenote your account and maybe even call with the customer there so the processor can do a bank referral for authorization.

In any event, if you cannot provide proof positive the sale will not at some point reject back to them leaving them with no way to collect that large sum from your checking account (I assume when you got the $16K in your checking account you spent at least some or all of that money and didn't hold it in case of a refund request right?) they have a right to cover themselves against a potential loss.

When a merchant signs with a processor there is an expressed partnership involved in which all parties must agree to the level of risk assigned to each. Processor are responsible not only for processing your charges and depositing to your checking account. You also hire them to mediate customer disputes and charge-back requests but you should never expect them to allow themselves to be left holding the bag at the end of the day.