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I'm suffering with iPayment right now. Rates are low but the people are RIDICULOUS and my cell phone number still shows up on my customers' bank statements even after a least 10 calls to customer service.
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We chose First Data because of their stability and reliability.
Did you read the contract before you signed it? First Data had a 6-month contract but that was no big deal. I don't have a cancellation fee or anything like that with them either.
They also dropped me for no stated reason after six years (they reserve this as their contractual right) and a total of five chargebacks in all that time. I think I was just not making enough money. They sent me a form letter about it and I tried repeatedly to get through to the person named on the letter, but she was hiding behind her desk like a 13-year-old instead of acting like an adult and returning calls. When I googled her name, I found out this was standard operating procedure for her, for her pals in that department, and for ipayment in general.
All I can say is that if they are heading for economic ruin, they deserve it.