Report: #1393015

Complaint Review: Risk Free Merchant

  • Submitted: Tue, August 15, 2017
  • Updated: Tue, August 15, 2017
  • Reported By: Cascadia Vape — Seattle Washington USA
  • Risk Free Merchant


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This company has very deceptive pricing policies, claiming they will make a small loan to set up service and not making it clear they will expect an immediate $300 repayment for the "loan". As for the "service" they provide, they connect you to 3rd party processors such as eDebit Direct who do most of the work trying to set up the site for e-check processing, but in the case that it is not compatable with your website, they refer you back to Risk Free Merchant who provide no help whatsoever even after numerous requests. The Managing Member of Risk Free Merchant I spoke to, Todd Fins seemed to have very little recollection of past conversations, seemed confused about which services were previously discussed and was very erratic about returning calls. Never try to do business with these people!

This report was posted on Ripoff Report on 08/15/2017 03:16 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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Updates & Rebuttals


#1 REBUTTAL Owner of company

Thank you for being honest along with replying to our rebuttal.

AUTHOR: Todd - ()

Dear Client,

Had you called us in leu of posting a complaint would had made more sense. We do not change $300.00 for a setup fee. We do not change anyone a dime for setting up an account or application. Perhaps E Debit Direct charged you. I still don’t understand what you meant by making a lone then demand for repayment. We cannot make loans per my prior response. We are not licensed to make loans.

We wish you much success, health and wealth.

Todd Fins Managing Member

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#2 UPDATE Employee

We don't make loans. Please disclose your company name or call us. Where you approved? Did you use the account?

AUTHOR: Todd - (United States)

Dear Client,

Did you email or call us to resolve this alleged issue?

We do not make loans. Based upon your industry experience, financial stability and or FICO report, we will make every effort possible with approving a merchant account for you. Since you did not qualify for some reason you must had requested our demand draft processing for E-Checks. E-Check will not integrate with every shopping cart. It will allow you to accept payments with a payment button located on your website. You can also email electronic invoices along with many other ways to accept payment. Again, I don’t understand your statement “we made a loan” to you. We are not money lenders. We do not make loans. With all due respect, you sound confused. 

Again, we are not lenders. We would never demand repayment of a loan we never made.



Todd Fins

Managing Member

Risk Free Merchant

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#3 Author of original report

Report Update

AUTHOR: - ()

Today (8/15/17) Todd gave a full $300 reimbursement. Though not happy with the previous customer service I am satisfied with the resolution.

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