Report: #585143

Complaint Review: Ripoff Report | MSI Canada | Ripoff Report Verified™ …businesses you can trust. MSI Canada takes consultative approach to developing long lasting relationships with merchant customers, Independent Sales Offices (ISOs), & Cash Advance Partners, assisting in the enhancement of businesses. MSI Canada provides credit card processing & related merchant services for small to medium sized businesses, specializing in helping merchants gain tools needed to grow.

  • Submitted: Wed, March 24, 2010
  • Updated: Mon, September 11, 2017
  • Reported By: xMSI — Vancouver British Columbia Canada
  • MSI Canada | Ripoff Report Verified™ …businesses you can trust. MSI Canada takes consultative approach to developing long lasting relationships with merchant customers, Independent Sales Offices (ISOs), & Cash Advance Partners, assisting in the enhancement of businesses. MSI Canada provides credit card processing & related merchant services for small to medium sized businesses, specializing in helping merchants gain tools needed to grow.
    1 St. Paul Street A301
    St. Catherines, Ontario
    United States of America

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Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to Merchant Services Inc. Canada for its high level of dedication to its customers, employees, and outside sales team.

Founded in 2007, MERCHANT SERVICES INC. CANADA provides credit card processing solutions and related merchant account services for independently owned businesses. They are highly dedicated to their customers, employees and vast network of outside sales representatives. MSI Canada offers EMV compliant terminals and equipment backed up by expert LIVE North American based customer service and technical support 24x7x365. Merchant Services Inc. Canada enhances the way their customers, sales team and Independent Sales Offices do business.

Ripoff Report’s discussions with Merchant Services Inc. [continued below]....
..... Canada have revealed an ongoing commitment by the company to customer and employee satisfaction. This means that they can expect that Merchant Services Inc. Canada will take all actions necessary to find a mutually satisfactory resolution to any issues or concerns that may arise.

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 Merchant Services Inc. Canada.

MSI Canada 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..

Federated Payment Systems 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. Federated Payment Systems 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 Federated Payment Systems complaining that the equipment he was sent was very difficult to understand and to use. Federated Payment Systems, 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, Federated Payment Systems 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.

Merchant Services Inc. Canda 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 Merchant Services Inc. Canada 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. “Federated Payment Systems 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.”

MERCHANT SERVICES INC. CANADA / Statements from the VP of Marketing, Greg Slote

"At Merchant Services Inc. Canada, we hold both our customers and our team of outside sales representatives in the highest regard. Acknowledging and resolving issues quickly on either end is of the upmost priority. Merchant Services Inc. Canada is constantly expanding our services and network of independent sales representatives. While in such high growth mode, it is imperative to minimize any customer issues while maximizing the success of our employees and team of outside sales representatives.”

After speaking with the management at Merchant Services Inc. Canada, sales representatives, and employees as well as anyone who filed a complaint in the past, Ripoff Report is proud to give Merchant Services Inc. Canada a positive Rating for making every effort to ensure that all customers and sales team members were satisfied. Greg Slote, Merchant Services Inc. Canada’s VP of Marketing and Public Relations, assured Ripoff Report that the business continues to perfect their products and services to confirm the highest possible level of customer satisfaction.

Other employees shared similar thoughts. “Our customer support team is highly trained to provide 100% customer satisfaction with any equipment or account questions that may arise”, stated one employee. A member of the outside sales team remarked, “The support I receive is second to none. If I have a question in the field, it’s answered quickly by MSI Canada’s sales support team or my sales manager.” Merchant Services Inc. Canada reaches out its customers on a regular basis because they hold the belief that communication is the key to customer satisfaction.”

Merchant Services Inc. Canada knows that employee satisfaction is equally important. Its sales team members have a dedicated group of sales support professionals, access to their own web based agent portal manage their appointments and accounts, upfront commissions paid daily and a dedicated sales manager.



"Merchant Services Inc. Canada conducts a “Merchant Check-up” by contacting all merchants on a quarterly basis to review their accounts further ensuring we deliver the best customer service and technical support.

Merchant Services Inc. Canada added 10 customer service experts to help reduce hold times and provide the highest level of support.

Merchant Services Inc. Canada added new programs and developing vendor partnerships to provide our merchant customers additional ways to grow their business and increase profits.

Merchant Services Inc. Canada extended the length of our ongoing sales training for our independent sales representatives.

Merchant Services Inc. Canada doubled the size of our sales support team dedicated to answering any of their questions quickly.

Each customer service / technical support representative undergoes an intensive training program before ever speaking with a merchant customer.

Merchant Services Inc. Canada upgraded our agent portal to make sure all sales representatives have the latest tools they need to efficiently and effectively manage each of their customer accounts.

At Merchant Services Inc. Canada, security is critical in our industry, so we conduct criminal background checks on every single employee as well as all contracted sales representatives.”

In summary, after our review which included discussions with representatives of Merchant Services Inc. Canada and their customers, Ripoff Report is convinced that Merchant Services Inc. Canada is committed to quality delivery of services resulting in total client, employee and sales team 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, assures them of complete satisfaction and confidence when doing business with a member business. this program works.



MSI Canada Merchant Services Inc. Canada St. Catherines, Ontario

MSI Canada, AKA Merchant Services Inc Canada, AKA Federated Payments Canada Corp. All have the same registered published address located at A301 1 St. Paul Street St. Catherines, ON. This address does not exist nor is this company operating in Canada legally. They have 'managers' based out of New York who hire, manage and control employees in Canada.

They are members of the BBB and remain in good standing by coercing complainants by hiring a lawyer based out of Montreal who sends a demand letter trying to extort $50,000 in my case. The BBB will NOT investigate complaints involving legal matters so the lawyer is a clever way of eliminating any black marks on the BBB file, thus retaining their standing.

To date, I am owed $11,651 by this company for outstanding commissions and wages. I have already filed with the Employment Standards Branch to receive my overdue compensation from December 2009! The law in Canada is that ALL commissioned employees and or contractors must be paid at least minimum wage if commissions do not reach this amount. This is the LAW!

Plus, this company has fraudulently changed the terms and conditions of every contract that I signed up with my customers for MSI (totalling 26). As incentives I offered each customer a certificate or coupon that had a signficant value to sign up with me. I would release these coupons which cost me money when I received commissions from MSI. I never released the coupons because I never received any commissions from December 1. I clearly wrote on the terms of the contract on the first page the value and quantity of said coupons. My customers received copies of contracts with these removed. I have the original copies as evidence.

Beware of signing up with MSI and working for them as a company. If you did work or currently do work for them, be advised that by LAW you must get at least minimum wage if you do not sell anything or up to this amount. If you have a claim, just Google Employment Standards Canada and file a complaint.

If you have been a victim as a customer email the BBB corporate office.


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#1 UPDATE EX-employee responds

great company to work for

AUTHOR: theyrippedmeoff - (Canada)

I previously worked for Federated from 2008-2010. I was extremely please with all of the support and service they provided. When i first started as a sales rep, i was a bit nervous as it was all new to me. After a few weeks it took right off. T

he reason I am posting this is because a friend of mine recently started with Federated and he happened to stumble upon this posting and I felt compelled to stand up for Federated and provide some good info about them. The support that Scott Avery and his team offer is second to none. I even visited the office for a Christmas party and got to meet everyone. I was shocked to see over 400 people at this event.

I was always paid right on time and accurately. In fact, even after I left due to personal reasons I still continue to receive my monthly residual income right on time every month. My contract with them said I had to remain an active rep for at least one year and sell 2 account per month to receive ongoing residual income just like the person who started this post said too. I did my part and they held up to their end perfectly.

I have over 200 clients in the GTA Ontario area. I can honestly say 99.9% of them never have problems with the service. I have 1 person who had some trouble getting setup but that was because they were using a system that we informed them wouldnt work very well.

The best part about working for Federated is the residual income. I havent been with them for 8 months now but still receive a direct deposit every month for just over $3800. they split the monthly revenue on the accounts i signed with them 50-50. i couldn't be happier as this income is going to be there for a long time. Bottom line, Federated is a great place to work and make a TON OF MONEY!

Hope this helps, Tim P. - GTA

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#2 Author of original report

The company has addressed and resolved my issues

AUTHOR: xMSI - (Canada)

Since Ripoff report does not allow posters to retract their statements, I am updating additional comments to acknowledge that my original posting was in reaction to a miscommunication between MSI Canada and me which has since been completely resolved. MSI Canada is indeed a legitimate and reputable company operating legally in Canada. The same is true for Federated Payments in the U.S. In addition, Scott Avery and Scott Glazer are two separate individuals and are neither liars or scam artists.
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#3 Author of original report

the company has addressed my concerns to my satisfaction

AUTHOR: xMSI - (Canada)

The company has addressed my concerns to my satisfaction and I have ceased actions pertaining to employment issues.
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