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Complaint Review: ElitePay global - Henderson Nevada

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  • Reported By: E-Money — Scottsdale Arizona USA
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  • ElitePay global 2850 W Horizon Ridge Pkwy Ste 200 Henderson, Nevada USA

ElitePay global Credit Card Fraudsters Henderson Nevada

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Below is the email I sent to FOX News in Arizona:


To Whom It May Concern,


RE: Breaking News


Well, it may not be breaking news, yet I truly believe my personal experiences and knowledge in the credit card processing industry could benefit many business owners along, with innocent individuals seeking employment in the credit card industry!  Learning how to fully understand credit card processing is like trying to learn a new language.  Sadly, many business owners place their trust in individuals (i.e. Senior Account Executives) who sell credit card processing services thinking they are getting the best deal in town and the business owner ends up getting defrauded by the credit card company at times without the Senior Account Executive having the slightest clue.  However, many times the Senior Account Executive does know exactly what he’s doing.


I have been in the credit card processing business for 8 years, ran appointments in Tucson, Orange County, Iowa, and now I am back here in Phoenix.  Also, I was the head of retention for 3 years at multimillion dollar credit card processing company so, I pretty much know all the ins and outs.


Now, the main reason why I am reaching out to you is because of a company called ElitePay Global who are complete fraudsters and have a sales rep by the name of Paul Leeman in the Phoenix area, who without a doubt has and is trying to defraud the heck out who knows how many innocent merchants (i.e. business owners) that are trying to make an honest living and save money on their overall credit card processing. Not to mention the merchants, he’s trying to defraud that I have in my portfolio.


I met with a new prospect by the name of Vince Monday the 24th and presented to him what I could do for him and his business and exactly how much money I would be able to save him.  He would not move forward that day being he received another quote from Paul Leeman who said, “he could give him a flat rate of 1.00% on all credit cards and a flat rate of 0% on debit cards”.  I explained to him that was impossible and pulled out the Visa-USA-Interchange-Reimbursement-Fees-2014-Oct-18 (which I have attached to this email) and explained to him these were fees no one could avoid.  Unfortunately, I was unable to get him to move forward that day being Paul Leeman’s magical rates where probably still chillin in the back of Vince’s brain.  While I was there I tried locating the business on the BBB and it was next to impossible so, Vince allowed me to take a picture of his business card which I have also attached to this email and surprise, surprise, when I went back to my office I was able to Google ElitePay Global and found out ElitePay Global are truly credit card fraudsters.  If you look at the email in a red font below, you will see my communication with Vince and his wife Jill and I have used fictitious names to protect their identity.



I have another merchant I signed into my portfolio back in May and I helped him get out of 3 leases he was getting raked over the coals on.  In addition, I saved him a substantial amount of money on his overall credit card processing.  We have spoken to each other many times over the phone throughout the months and I have also, helped him with some other issues he had regarding his merchant account.  So, I decided to call him last Friday the 20th and ask him if he would provide a reference letter for me and to just tell me what he likes best about the service I have provided for him. To be sensitive to his time, I told him I could draft up a letter with the things he just mentioned and email the letter his way and he could make any necessary changes and then I would stop by to have him sign off on the reference letter.  I have attached the recording of our conversation on February 20th.


 Then, I call my merchant yesterday and he says, “I am glad you called, I wanted to talk with you about something”.  I swing by his business and he explained to me someone came in and showed him how they could save him money on his processing with the magical rate of1.00% on all credit cards and 0% and all debit cards telling him that their company does not have to pay the interchange fees (complete lie).  I told him how that is not possible and pulled out the latest interchange sheet from Visa which is public information and anyone can easily access the information online at and went over it with him.  Believe it or not, I’m actually, a real laid back guy and understand people will always be soliciting my merchants and that’s fine with me.  It just bothers me when sales reps sell with deceit.  He gave me the guy’s business card and it was the exact same individual who tried to deceive Vince and Jill however, this time Paul had wrote his cell number on the card.  I became very upset and said, “I am going to call this s****.>




It blows my mind how these fly by night credit card companies are able to deceive so many business and cheat them out of their own hard earned money.  There’s another company by the name of NPMG (National Processing Management Group) that was owned by Lance Morris who rocked business owner in the business community here in Arizona in the early 2000’s by selling with lies and deceit.  This guy used to have it made financially and drove Ferraris.  However, in my opinion you ‘reap what you sew’ and this Lance Morris lost everything and ended up going bankrupt. Below is a link on just a taste of some of the things he did to people.


After going bankrupt, Lance somehow was somehow not barred from credit card processing and started a new credit card company with a different name and continued screwing people.  The only good thing about this story is he’s now finally in Jail.  Furthermore, his real name isn’t even Lance Morris, his real name is Tim.  He somehow stole someone’s identity and the real Lance Morris lives in Germany and has no ties to NPMG or credit card processing.




As I mentioned before, credit card processing is so complicated.  I have attached some of Visa’s interchange fees from 2008 when it was only 5 pages long and a lot simpler to kind of get a basic understanding of the card types compared to Visa’s now 20 page list of interchange fees from October of 2014.  Visa and MasterCard have roughly 500 different card types and it’s the card issuing banks that get paid the percentage on the card type and Visa and MasterCard get Dues and Assessments (.11% on volume and $0.0195 per transaction on all sales).  By far, this is the most competitive industry out there in my opinion, being there are over 33,000 different credit card companies out there and companies such as ElitePay Global and NPMG make it that much harder.  I have seen other news stations do stories on credit card companies and I do not know if my story is of any interest to you.  If not, no worries, just delete this email and move on to the next story.  I really enjoy Fox 10 News and your staff is friendly, professional and you all do an outstanding job!


This report was posted on Ripoff Report on 05/14/2015 02:26 PM and is a permanent record located here: 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

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