Universal Merchant Services Dishonest unethical credit card processing and billing Irvine California

Anne;

I am an ex-employee of Merchant Services and would like to respond to your complaint. I can tell you without a doubt that Merchant Services does the best job of listing all of their possible charges right there in black and white on the contract and the comparision you were most likely given by your sales rep. The schedule of fees page clearly indicates all the charges that can be charged for anything. These fees are not hidden and you had to have intialed them in order to have been approved. They may be fees that you don't like, but if you don't like them, you need to complain to Visa and MasterCard for the way they charge your transactions.

I guarantee if you actually read the contract you signed and look at the schedule of fees, you will see that all of these "hidden fees" are NOT hidden at all.

As a 9 year veteran in this industry, I hear this every day. If you make the mistake of signing the contract without knowing what you are signing, you can only blame yourself when something you don't like comes up. If you have questions about some charges on the contract, ask the rep. If the rep cannot answer the questions, that should be a red flag that maybe this rep isn't worth signing up with.

The sad truth of this business nowadays is that if you had an honest rep, who told you verbally what all the possible charges were and explained the contract and your responsibilities as a merchant, you would send him packing and find one who would lie to you and tell you all the things you want to hear, while hiding all the things you don't want to hear. You can't get the service and equipment for nothing and that is what everybody wants these days.

The bottom line is that there are something like 148 buckets of interchange that your transactions can fall into. It would be impossible for any sales level representative to go into all of these for you in detail and you would never understand it all anyway. If you want to simplify, complain to Visa and MasterCard directly, and good luck with that! They own the world and just allow us to live in it.

Good luck and GOD Bless you.