• Report: #489173
Complaint Review:

Ripoff Report | MSI Canada

  • Submitted: Wed, September 02, 2009
  • Updated: Mon, September 29, 2014

  • Reported By: JTK003 — USA
MSI Canada
www.msicanada.com Internet United States of America

Merchant Services Inc. Canada REVIEW: MSI Canada demonstrates strong commitment to merchant customers, internal employees, team of independent sales representatives in Canada. Providing highest quality merchant service, credit card processing in industry.
*UPDATE: Merchant Services Inc. Canada 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 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. 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 MSI Canada took money from my bank without permission Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

MSI Canada answered me promptly when I applied for an account. I spoke with Erin O'Conner, a friendly guy, but later realized he was a lier.

He told me everything I wanted to hear and that I was 99% sure to be apporved for this Merchant account I was applying for.

I stated that there would be "no out-of-pocket startup fees" and that all the fees would come out of the processing. I signed the contract that stated "MSI canada could take out whatever funds they please, whatever, whenever", assuming this meant when I was approved.

I then noticed $89 out of my bank without any notice whatsoever, and it of course bounced. I emailed Erin, and he said he would check with underwriting. I have never heard from him again. Noone will answer my calls, call me back or reply to my emails.

They sent me a letter just recently saying that I have breached their contract and I have 14 days to pay or they will take further action.

To this day, they still have not told me if I have been approved for the account.

Beware giving away your bank info and what you sign when you apply for merchant accounts. They don't like to tell you about the fees, or they will lie about them.

Long story short, MSI CANADA is a lying company and don't sign with them!

EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E. According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days. If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges. Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get. And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state. Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth. If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here. Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck Let us know how you do! ED Magedson Founder RipoffReport.com Author of www.ripoffrevenge.com Rip-off Report PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 09/02/2009 06:10 PM and is a permanent record located here: http://www.ripoffreport.com/reports/msi-canada/internet/msi-canada-merchant-services-inc-canada-msi-canada-took-money-from-my-bank-without-permis-489173. 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.

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#1 Author of original report

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They waived the fee that had been sent to collections.
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