Forum Moderators: buckworks
I'm about to sign up with paysystems. Heard many good things about them, but...
I've read the contract and I think it is very abusive. Basically they can do what they want and I have hardly any rights.
Now, if there business conduct is very ethical that is not necessarily a problem.
But just in case, I would like to hear what peopel say that use them for some time. Also I would like to hear what kind of problems people might have encountered using them (objective please). If you have a story where you feel they abusively revoked funds, don't leave out their story so I can make balanced judgement.
I thank you for sharing your thoughts.
I always feel like I'm at their mercy or that of any shopper who makes a mistake.
They do offer round time support and quick reports on sales and all. But I don't remember how many times I've threatened them with complaints to consumers protection agencies and the BBB. But they don't care.
I've looked at others, but apparently, there's not much better in that industry. Paypal so far, even though they have lousy phone support, is better.
The upside to Paysystems, is that they pay quickly. But I never recommend them to others.
Sorry for not providing a clearer picture, but that's my experience with them.
Paysystems is the cehapest service availavle right now (excluding Paypal), so I guess I have no choice
Use a more expensive system just pass the cost on.
I have been with PaySystems for a while now and they have been good to me, but I do agree that $25 is a lot for a chargeback. However, you can get your money weekly and their wire fees are nothing compared to those at 2CheckOut. Also, there has been no downtime yet .... hopefully there won't be any either. Touch wood.
Could you elaborate on what kind of mistake on behalf of the shopper. How exactly does that affect you? What kind of charges? Can't you just cancel an order if you spot a mistake?
It is new to me that they even charge you for the shoppers'mistake.
I've looked at other services and it seems that the grass looks greener elsewhere but I don't believe it is. I've heard many complaints from people using 2checkout and Worldpay.
Since I already know where Paysystems tries to screw merchants, I've started avoiding possible errors.
mcalvelo, if your customer puts his shipping in Phoenix, Arizona, but by mistake puts Switzerland for a state and you have shipping based on location, Paysystems is incapable of voiding this transaction. Since there is no Arizona in Switzerland, they will not charge anything...
On big items, this can be very costly. Customers putting countries by mistake happens all the time. People just don't know how to type or don't pay attention. It's not even fraud attempts. There is nothing to protect you from errors that come from your customers. You can't always redesign the shopping cart, especially when you're using Paysystems. That's why I had to stop using theirs.
Also about the fraud transaction, they told me to wait for their investigation. Later, they cancelled the order. Then they told me that if I had cancelled the order myself, I wouldn't have been charged.
From all the problems I've had with Payssytems, I noticed that that they're not even enforcing rules stated in the user agreement. The only rule about them is that once they charged the merchant for something, there is no refund.
Many of their tech people and the guys at the fraud department are cluless people who must have been working at Walmart before they got this cosy office job because. I always feel like I'm years ahead of them on their own system and merchant process service and know more about their system than they do.
Unfortunately, I don't think there is a better merchant service. If there is such a thing in the universe, they can sticky me right now. It'll probably be a scam or just as bad as PaySystems.
Like I said in another post, I just work with the least incompetents of the bunch. So far that's Paypal and Paysystems.
You'd think some of those merchant processing companies would gotten the clue already and started offering better service and fair rules as part of their competitive advantage...
[edited by: Harry at 2:12 pm (utc) on Jan. 29, 2004]
Michael
Also, Paysystems' charge-back process leaves a lot to be desired, and the client/customer comment section takes days to make contact via this system currently. I'm also not a fan of them sending out email confirmations in batch several hours after the sale... I want my info -now-.
Paysystems seems a good option. I see many pro's and so far I'm very pleased with everything (except the contract).
It's good to know what kind of "problems" might occur to avoid them.
What I find strange is that you have costs for errors made by the customer. It's my understanding that an order approved by paysystems can at any time be cancelled by the merchant.
If, as in the example of harry, a customer provides wrong info, I would pick up on that and cancel the order myself. It does concern me that paysystems - from what I gather - my charge you costs.
I know you were all waiting for me to jump in here at some point...
First off, this thread began with a discussion re: the PaySystems contract. I have addressed that via sticky mail, but due to the length of my response...if anyone wants to see the answer, sticky me and I will forward it on to you. Very briefly, my response indicates that our contract is admittedly one-sided, but that is a neccessary part of our business. This (webmasterworld) is an online community where we are open and candid and from what I see, trustworthy. However, it is foolish to think that fraud is not a real problem. I, personally, encounter individuals every day who apply for accounts and upon further research, are discovered to be fraudulent. Our contract ensures that if someone is successful in opening an account under false pretenses, we will be protected from their actions...I guess I didn't shorten anything.
Secondly, our role is a payment processor. Our prime function is to provide merchants with the ability to accept credit cards at their business. That does not mean that we then take responsibility for all tasks involving the exchange of money in your business. If someone walks into your store and pays with a stolen credit card, or a bad check, the onus is on you, the store clerk, to make sure that transaction is clean. The same applies here...our most successful merchants look at each individual transaction (and if they don't have the time because they process so much, they hire help) and make their own determination beyond the screening that is taken care of by our software. If there was a perfect fraud screening solution, it would be patented and sold to the banks and obtaining an internet merchant account would be as simple as opening a savings account. There is a risk associated with doing business online; we limit that risk...we do not eliminate it nor do we claim to do so.
I hope that makes things quasi-clear. If any of you has questions pertaining to individual accounts, or specific questions, don't hesitate to get in touch with me and I will do my best to alleviate your concerns. Andy will attest to my prompt replies. (99% of the time :)
Looking forward to helping your businesses succeed.
Cheers
James
If your system was well designed, it would void an order from Arizona, Switzerland. And if your support staff were fair and smart, they would have told me I could cancel my orders before sending them to some clueless joe who copy pasted my arguments back to me... and then charged me for it.
And if Paysystems offered good service, they would call people back when they leave messages. You guys are incompetent fools.
Just a suggestion... please don't flame in public. Use StickyMail.
-Matt
a/ make sure you have an account rep at Paysystems
b/ use the *tollfree* number to contact your rep
directly at his/her extension.
making your contacts through a single person
who knows you and your history is invaluable
in keeping problems small and under control.
your account rep can also be a valuable source
of information about ecommerce in general,
because that's all they do all day.
in other words, make friends with your account
rep, just like you would with any other vendor.
+++
Your input has been of great value.
There are pros and cons to almost any business agreement and one looks for balance.
The most important issue might be business ethics and good faith.
Reviewing the site of paysystems, your comments and my contact with the sales rep. have made me conclude that I do believe paysystems has certainly many pros, although also some cons.
Nevertheless, I will sign up because I do believe the act in good faith.
As stated in the previous message, it is very important to have one contact only who knows your history.
I thank you all, and, hey should I have a serious problem, I'd be the first to let you know.
Cheers!
mcalvelo, just stickied you with details.
