Bankcard USA Jason Hardy held the funds for some BS reason and used harassing techniques by calling my customer to express his suspicions. It appears that Bankcard USA is a very small time company. We recommend using a different company, to be sure. Westlake Village California

My name is Sharon Tan and I respond to all the complaints posted on this website against BankCard USA. In reviewing your complaint and history with BankCard USA, we have concluded to the following-

1. This merchant contacted BankCard USA to enable their business to start accepting credit cards from their customers. They were approved for a monthly volume of $7200 and ticket size of $300.

2. On April 30, 2008, this merchant processed a transaction in the amount of $1457.00 with is beyond their approved parameters. Please note that this merchant was only approved for a ticket size of $300. This flagged our Risk Department and caused them to hold their funds pending verification. Supporting documentation was then requested by our Risk Department to confirm legitimacy of this particular transaction.

Additionally, due to the possible risk and/or fraud involved with your business type, BankCard USA Merchant Services, Inc. has the right to hold your funds up to a period of 180 days or less (please refer to a copy of your Merchant Account Agreement). Keyed businesses are considered high risk businesses because of the high ticket, (which can later evolve to higher dollar amounts of chargebacks, retrievals..etc), keyed transactions, home based business (retail, face to face, swiped businesses have less risks because the credit card is always present and swiped through the credit card terminal).

Also please note that BankCard USA Merchant Services, Inc. is liable for any charges, returns, chargebacks that the merchant processes, under the rules and regulations of Visa/Master Card. Thus, the reason for capturing funds to protect BankCard USA.

Please contact our Risk Department directly with any questions or concerns you may have regarding this matter (800) 589-8200 ext. 32.

Thank you,
Sharon Tan
Operations Department
BankCard USA