Smart Choice Payments Wholesale Merchant Processing Credit Card Processing Las Vegas Nevada

 Smooth talking saleman, Knut Werpen, came into our marina with promises of lowering our credit card processing fees. He stated he worked for Visa and could save us money because we would be dealing with the processor, eliminating the "middleman" processing company. He looked over my last processing statement, went out to call his company and came back with a comparison showing our company could have saved $345.10 that month if we had been with Visa. This price included a lease payment for equipment. I told him I did not need to lease equipment as we had our own. The lease payment shown was $229.99 per month. He stated we had to use their equipment because it had a special "chip" inside to comunicate with Visa directly. Our equipment could not be reprogrammed to do that. The lease was 48 months and in 2 years we would own the equipment. I thought the amount of money we were saving would offset the lease so we decided to contract with him. Did the paperwork. After the firdt couple of months I found we were not saving money and had been locked into a 4 year lease where we would never own the equipment unless we bought it out at the end of the lease. Also, he did not work for Visa, he worked for Smart Choice Payments, a processing company, not the processor. My statement showed various charges for services that were not included in his savings comparison. I spoke with Kelly at customer service. Could not get anything rectified and asked to speak with her manager. She said she would give her a message to call me. In the meantime, I discovered that the machines I had to lease did not have special "chips" in them and I did not get the machines that were written on the lease contract. At that point I realized I had been lied to and called customer service back. Again I spoke with Kelly and let her know I was angry that I had been lied to. She said she did not have anything to do with the sales part of their business. I asked to speak with Knut's manager. Again she said she would leave a message with her supervisor. I never recieved a call back and when I tried to call customer service again, I got a recording to leave a message which I did. Still no call so I decided to call with my personal cell phone. Guess what? Kelly answered the phone immediately and seemed a bit surprised I was on the other end. I asked to speak to her manager, she said she was not available but would again leave a message. I got a call from Craig Dery who stated he was the sales manager. I told him about Knut lying about who he worked for, the reason I had to lease equipment, was not realizing the savings calculated and the extremely poor customer service. He said he would like to personally give me a new proposal. That he was not there during my conversation with Knut and the sales people are not taught to sell that way. Knut has many satisfied customers so he finds it hard to believe what I told him, not to call me a liar though. I asked him why would I lease equipment when I had my own that could have been reprogrammed if his saleman had not said that. He said when you lease equipment you get a better rate. However, I was not getting a better rate. I had been put on a tier program, not interchange. He said he would call me back the next day with a new proposal, rate. I have not heard a word from him. He gave me his direct line 800-756-6277 ext 401 but I have no intention of calling him.

This company is a ripoff. I have found other complaints stating the exact same things I was told by Knut Werpen. If this man comes in trying to sell you processing, turn him out. You will not save money and he will line his and the companys pockets with about $12000.00 by leasing you equipment. I will be contacting our attorney about getting out of this 'non cancellable" lease as this company is unwilling to admit to their salesman's fraudulent practices. I have gone with another reputable company who educated me on why I was not saving money and exactly what kind of lease I was sold. Knut Werpen is a liar who talks smooth with promises of saving you money. It is not true. I did call and speak to him and confronted him with his lies. He hung up on me. What a professional way to do business! Stay away from Knut Werpen, WMP (Wholesale Merchant Processing), Smart Choice Payments, and Northern Leasing Systems, Inc. They are not to be trusted!