• Report: #996803
Complaint Review:

National Payment Processing

  • Submitted: Mon, January 14, 2013
  • Updated: Thu, May 15, 2014

  • Reported By: James P — Shallotte North Carolina United States of America
National Payment Processing
3247 W. March Lane Suite 220 Stockton, California United States of America

National Payment Processing NPP Alex Talamante and National Payment Processing are a complete SCAM, Stockton, California

*Consumer Comment: NPP National Payment Processing & Alex Talamantes ARE THIEVES and Liars

*Author of original report: Still trying to lie and scam folks...

*REBUTTAL Individual responds: Alex Talamantes Response

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

Show customers why they should trust your business over your competitors...

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

Avoid this company at all cost; they do not honor their word
nor their own contracts.   Their entire program is a complete fraud!

We had become a reseller for this very dishonest processor and within the first month we had to break our relationship with them.   They are a complete SCAM and I believe their entire system is set up to SCAM both their own agents and their customers.  

They outright lie to customers, they do not pay out what is owed to their agents who have brought them business, they overcharge customers and hit them with fees that are hidden and the list just goes on and on.

Do not trust this people even if you have a signed iron clad contract.   They will not honor it and will just tell you story after story as to why you should just keep giving them more business and "it will get better" and we will eventually pay you what we owe you.   They are a complete fraud operation!

As an agent who signed up with Alex Talamantes of National Payment Processing, I have been lied to so many times, I have stopped counting.     

If anyone has any doubts about how dishonest this company is or how Alex Talamantes (Their sales Channel Manager)  will lie to you about why they do not want to pay their obligations to you, just contact me and I will be glad to show you a signed contract by them that states the following...


Upon Account Activation we will pay out the following to our agent...

Well, after having 5 accounts activated, we were told they are not going to pay us, the agent, until the "accounts start processing".   So, we thought, Ok, we can understand that, even though the contract doesn't state that as a requirement, we went along with it.  So, shortly thereafter these accounts start to process and we request payment and say, "these accounts are now processing".   We then get told, well, they need to hit a certain amount of processing.  What?  More unrevealed, not in the contract conditions!   So, we ask How Much do they need to do"?   The thief Alex Talamantes states, "$25.00 is required".   We ask him "where does it state this in the contract"?  He says, "It doesn't" but that they will not payout their obligation regardless.  What???  You are not going to honor your own signed contract?

Well, a couple more days go by and a couple of our accounts hit or exceed the $25 mark and we again request payment.   Again the thief, Alex Talamantes says "we are still not going to pay this" and of course we ask "why"?   He states, we need to see more processing before we will pay.  ARE YOU KIDDING ME?   So we ask, what exactly is the amount then that you will finally pay us what you owe us?   The response that we got it almost unbelievable!   "We are not sure, it is usually $25 but may be higher if we want it to be".  

Well, what about your signed contract that doesn't state any of this??

BEWARE, these people treat their customers (merchants) and their agents the same, THEY
RIP YOU OFF and will tell you lie after lie not pay out what they legally owe you.  They are a fraudulent business with skilled thieves working for them who openingly admit they do not care about or honor their own contracts.

I have all the documentation to back up the above, if anyone has any doubts or is even remotely considering becoming an agent or customer of this dishonest, unethical company, PLEASE DO NOT and I will be glad to show you all the documentation to back up everything I have said in this post

This report was posted on Ripoff Report on 01/14/2013 03:51 PM and is a permanent record located here: http://www.ripoffreport.com/reports/national-payment-processing/stockton-california-95219/national-payment-processing-npp-alex-talamante-and-national-payment-processing-are-a-compl-996803. 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. READ: Foreign websites steal our content

Click Here to read other Ripoff Reports on National Payment Processing

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
1Author 1Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

NPP National Payment Processing & Alex Talamantes ARE THIEVES and Liars

AUTHOR: James - ()

Alex Talamantes last rebuttal continues to AVOID the truth.   Nothing has been resolved with this company, they still have not paid on any of the accounts that were activated as their contract stated they would.   Here we are now 10 months later and 2 of these accounts are STILL OPEN WITH THEM and are STILL ACTIVE, yet they have not paid the commission on either one of these accounts.  

Alex Talamantes is an outrageous liar and he knows the company he is working for is ripping people off!   Yet he shamelessly tried to defend their theft.   So Alex, why hasn't the two accounts that are still open and still active not being paid on?   These accounts have now been active for 10 months, well past your 90 days and yet we have not been paid on them...

Don't let this greedy, lying, SCAM operation anywhere near you!   Their only goal in business is to rip you off and will go to just about any length to do do.  Just Google National Payment Processing complaints and you will see it is not just us, there are hundreds of victims of this SCAM operation.  

Let's wait and see how Alex decides to try and cover up his lies now that the truth is out and we are 10 months into this and he still hasn't paid out the contractual commission owed...


Respond to this report!
What's this?

#2 Author of original report

Still trying to lie and scam folks...

AUTHOR: James P - (United States of America)

Sorry, but Alex Talamantes is still lying and not telling the truth.   Here are the facts and he just does not want to confront them and be honest about them.

Our contract CLEARLY states that upon approval (NO MENTION WHATSOEVER about having to process anything or any dollar amount) a commission would be paid.    So, after 5 approvals, we attempted to get paid on them and that is when all the lies and fraud started to become apparent.   The lie and con man Alex Talamante tells us we cannot get paid until the account processes some transactions.  So, as we stated in our initial filing of this complaint, we wait and then reapproach him once a couple of accounts successfully processed a couple of transactions.   Then instead of honoring the contract and keeping his word, he tells us that they need to hit a certain $ amount in processing for us to get paid.   We now start to see the fraud developing but continue to try and work this out.  So we ask, "How much needs to be processed" and we are told $25.00, a COPY OF THE email is below proving this is what we were told.   So again we wait and when the $25.00 treshold is met by an account we AGAIN ask to be paid and again we are told NO, the amount you were told of $25 "MIGHT" not be the right amount.  What???   So, we ask "so, what is the amount" and we are told by the lying thief Alex Talamantes that "he doesn't know for sure".  AGAIN see the email below PROVING this is exactly what happened and what was said.

So, ask yourself before signing up or trying to work with this company and lying Sales Channel Manager Alex Talamantes if you would trust them and if you think they are going to treat you any better or more fairly then they did us?   We have a signed contract and they are openingly and willingly committing FRAUD by not honoring their signed agreement


Hi Alex,
This report below is inaccurate.   We both know that NAME OMMITTED hit over $26 in processing already and I know that NAME OMMITTED hit at least $25.00 and NAME OMMITTED hit at least $15.00 (but your report shows zero for everyone).  Something is either wrong on their end or they are intentionally trying not to pay our commission, as 2 days ago McGee didnt even show up on the report.

I am getting very concerned with this.  There is either incompetency on their part or outright fraud trying not to pay our commissions.   I need to see the commission payments on the 2 deals I know for sure hit their processing amounts ASAP or we will not be able to move forward with any additional deals or processing

Hello Jim,
There is no fraud being committed. The bonuses will be paid but the processing requirement is to simply see production out of the account. As mentioned before there was a threshold of $25 but I will check to see if that has changed.

Please review the attached Appendix A.
You will see on the bottom note that it states Affiliate will be paid $150 for each activated account
There are no fraudulent activities being committed. The Appendix A states itself that upon account being activated.  

I will see what I can do but as I mentioned the only account that I see on file that has processed over $25 is NAME OMMITTED. NAME OMMITTED shows no processing. Check your I-Access and you will see no processing is showing up.  BUT THEY WERE APPROVED AND ACTIVATED

As for the solid number I will see what the processor tells me because the reason that I cant even give you a solid number is because they dont give us a solid number. 


It was $25 threshold but they indicated changes might be made to the threshold due to some Agents only having Merchant do threshold amount and not processing anything at all after the bonus was paid.

Respond to this report!
What's this?

#3 REBUTTAL Individual responds

Alex Talamantes Response

AUTHOR: Alex Talamantes - (United States of America)


The documents and agreement signed by the Agent clearly states that there was an activation needed to get paid per deal. Another part of the Agreement stated that these accounts had to remain open 90 days. If closed within those 90 days the bonus paid to the Agent would be reversed. As far as his accounts go 3 out of the 5 accounts he subbmitted closed within 30 days. As for the other 2 accounts that he speaks of they were never activated due to the accounts never processing at any point since signed up. This is just another case of an Agent wanting to get the best out of a great company that does there best to offer all Agents a great deal. He has tried in various ways to ruin not only my name or NPP but we have handle all issues as promised. If you would like to hear more in regards to this issue and how National Payment Processing truly does business. Please contact me and we will be more than glad to sign you up as one of our Agents. 

Thank you 
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?