I just called Paysystems because there is no e-mail available on their contact page. Basically my question is whether or not I could combine an e-commerce account with a Point-of-sale? Basically I would have to open 2 accounts. However, this is not why I am posting this. He told me that in about a week new fee's and information about E-commerce and the gateway, etc is changing. I recommended they post about it here and let everyone know now before they sign up and everything changes in a week. Maybe they will.

So until you see something about the new fee's posted on their site or at the very least a small description here, I would not sign up with them.

I'll tell you what, I am not impressed with paysystems so far. IT just seems that their system is lacking in a lot of things and I would go a different way if I could - being Canadian limits the choices though - I guess maybe my own merchant account might be in order.

I've been in communication with GDCCommerce and I am impressed with their rates and quick communications. Give them a thought if you go the Merchant Account route.

We've received a new contract from paysystems about a new system. They mention new additions such as more customisable payment pages and your own branded descriptor as well as a virtual-terminal style systems for manual order entry. I phoneed them up earlier for some clarification and they said this is a 'free' upgrade with new systems, so it looks (for existing customers at least) there are no new fees.. At least that's what they told me..

I haven't recieved anything from them in the way of email or letters so I assume this is an automatic upgrade?

So far I didn't received any notification...

I have been trying to find out about this for the last two weeks ...... rasied a ticket - ticket was closed saying "contact sales"..... emailed sales twice over past two weeks.... still no response whatsoever :rolleyes:

I've just set up a client on the new 2CO system and have had some issues which needed tickets raised - each time we received a helpful response within a few hours.

Based on this, I think I'll be moving my own processing to 2CO.

I got the contract.

It is similar to one I got from PlanetPayment, processed through Pago and a german bank. I'm not sure if I ever wrote about PlanetPayment but they took my application fee and did eventually send the contracts, I sent them back with all the required details via Fedex and then waited and waited, I followed up frequently only to be told excuse and lies. I waited months, I think 4 if I remember correctly, before doing a chargeback (successfully) and then go for WorldPay.

The info says refer to Schedule A for fee but I can't find that anywhere.

I'm with PaySystems and I haven't received any details yet. I have not been impressed with PaySystems at all, they lack completely in Fraud Protection, and they accepted a chargeback to a spammer.

I got a bunch of papers the other day. I'm supposed to send in a lot of papers, like drivers license and sorted business papers. Went to live chat for an explanation, but was told to contact sales. From what I understand, these papers have to be returned before June 30th, or the account will be locked.

Wow, really? I live in Australia, so these papers may be delayed beyond a reasonable time frame.

It usually takes weeks for me to get mail from them.

Hey all.

There has been much discussion about PaySystems, and not much in the way of conclusions, in the last couple weeks. This post is intended to bring everyone up to speed on what we are doing, and where we will be a few months from now. My apologies for not participating much in the last 2-3 weeks; we are extremely busy with the migration process and trying to make it as seamless for our merchants as possible.

As most of you now know, we are in the process of "migrating" all of our US and EU merchants off of the old platform. The changes are taking place quickly, and as successfully as we could have hoped for. For those who are not directly involved, the changes for merchants will basically be:
1) Statement descriptor will read company name (www.xyz.com) rather than www.mypaysystems.com. We will continue to put our billing number on the statement, unless the merchant specifies another customer service number they would like to use.
2) Settlement will take place via ACH on a daily basis rather than weekly settlement as it previously was. (EU merchants will continue to get settled in the same weekly pattern)
3) The payment page will no longer be heavily branded "PaySystems". As the migration takes place, our IT department will be working with our merchants to have their logo uploaded. That will be the only branding on an otherwise generic payment page. (All the payment pages have already been changed, but myPaySystems will remain on each page as per VISA/MC regulations until that specific merchant is flipped...then our branding will be removed.)

There will be no rate increase, and our merchants will still have the full functionality provided by our MCC.

From here moving forward, our product offering is a direct merchant account for EU and US merchants (with a Canadian solution to be launched in the near future). We are having great success in boarding new merchants, with our main advantage being that we still have our company infrastructure intact; this enables us to continue to provide tel/email support and handle disputes which will now have a slightly greater chance of being resolved in the merchant's favor...although I am sure many merchants with direct accounts can attest to the fact that internet charge backs are very difficult to resolve.

I will continue to follow this thread; I am really too busy to follow everything in the forums at the moment, but I will try to clarify anything ambiguous.

Thanks to everyone for your patience and co-operation...

Cheers
James

You may wish to have your Telephone sales people updated on fee's etc because he told me there is now a monthly fee, etc. Sounds like there is mixed information being put out.

Clarification: current merchants will not experience any rate changes. New US clients will have a $9.95 monthly statement fee and new EU clients will have a $49 monthly statement fee. Of course, a gateway will be neccessary with our merchant accounts, so tack on another $20 - $30/month for that, depending on what features you require...recurring billing, advanced fraud checking, etc.

James

I'm confused. You will no longer be a 3rd party processor? We will have to setup our own SSL and such?

Elm

Correct. We will no longer be a third party processor.

SSL - As far as current merchants go, they will continue to process on a payment page residing on our servers. With a new merchant, it will depend on the integration method they choose with their gateway. For example, Auth.Net has two integration methods, AIM (Advanced Integration Method) and SIM (Simple Integration Method). With AIM, the merchant will require an SSL because the credit card details are being entered on the merchant's site. However, if the merchant chooses SIM, which is the same cost, then the cc info is entered on Auth.Net's servers, very similar to our payment page.

Cheers
James

I just got the documents today and I certainly need clarification on a number of points. One document says everything has to be back to them before June 15th, which is next to impossible considering today's date.

1.866.883.9033 - we will help you out.

James

You say you're no longer going to be a third party processor. Does that mean that you're not going to process any payments unless we have a merchant account with our own bank, and use some kind of system to integrate with yours?

I'm really confused.

20 days to make all these changes... Can you provide us with a list of things we have to do to insure a smooth migration?

Will our current recurring subscribers be transfered to this new system?

Originally posted by jacker
Correct. We will no longer be a third party processor.


What?!

Are you kidding?

Seriously.... are you kidding?

What happens to those of us who haven't received any notification, paperwork, or anything else to hear about this until stumbling upon this thread?

Seems to me I should speed up my investigation into alternative payment solutions... if you aren't going to be 3rd party anymore, and will start charging gateway/statement fees, etc... then I may as well move to CDGcommerce or some other reputable company who doesn't have a history of changing their entire processing platform without even a single notification.

:eek:

(For Canadian folks, it looks like PSIgate is our best alternative.)

I have this sick feeling that one day in the near future I'm going to wake up to an email from a potential customer who is telling me that our order form is broken.... because paysystems has killed our account or whatever.

What a mess. Total lack of information from PaySystems has absolutely shattered what little trust/expectation I had left for them.

:mad:

This whole thing is my point. Took 4 posts for them to say they will no longer be a 3rd party processor. No one knows if existing customer's stay as they are or will be converted over or what is going on. This is just gonna happen in a week without warning. I wonder if my host knows.

Originally posted by zerodamage
This whole thing is my point. Took 4 posts for them to say they will no longer be a 3rd party processor. No one knows if existing customer's stay as they are or will be converted over or what is going on. This is just gonna happen in a week without warning. I wonder if my host knows.


Again, to clarify: merchants that are scheduled to migrate to our new platform have received notification or will receive notification shortly. Those that are not scheduled to migrate (among others, Canadian and Australian merchants) will be left as is on the third party platform and will continue to process as usual.

Cheers
James

Originally posted by jacker
Again, to clarify: merchants ....

Again?

To clarify?

:rolleyes:

Is there an ETA when the changes will come for Canadian Clients?

Jeremy

There is no official ETA at the moment. I have heard a few different estimates being discussed; a reasonable window is 2 - 8 months. Being located in Canada, we would like to take advantage of our homegrown clients and board new ones ASAP.

James

Originally posted by jacker
a reasonable window is 2 - 8 months.

Is that when you will make the announcement about upcoming migration, along with a list of things to do, options, impact analysis, etc...

Or is that when you are suddenly going to spring this change on us without any warning at all? (Unless every other Canadian customer of yours happens to be reading this thread...)

:confused:

Originally posted by jacker
Again, to clarify: merchants that are scheduled to migrate to our new platform have received notification or will receive notification shortly. Those that are not scheduled to migrate (among others, Canadian and Australian merchants) will be left as is on the third party platform and will continue to process as usual.

Cheers
James

What about those of us in the UK?

Originally posted by ant0
What about those of us in the UK?

Perhaps more "clarification" will be forthcoming? :rolleyes:

ant0 - our UK merchants are receiving instructions on migrating. If you have not received a package (migration kit) yet, don't worry; the delivery is staggered to enable us to establish a smooth flow.

mrzippy - we will make an announcement to all of our Canadian merchants when the time comes. I am sure most of our US merchants (and the EU ones that have received their package) will attest to the fact that we have spent some time putting a program together that has made the migration relatively easy. Noone likes to do excess paperwork, but we have tried to keep it to a minimum, and we will handle Canadian clients in the same way.

Cheers
James

Originally posted by jacker
I am sure most of our US merchants (and the EU ones that have received their package) will attest to the fact that we have spent some time putting a program together that has made the migration relatively easy.

I'm sure.

Maybe some of them should post in here.. or the many other threads in various forum websites where there are so many questions about what is going on...

Originally posted by mrzippy
I'm sure.

Maybe some of them should post in here.. or the many other threads in various forum websites where there are so many questions about what is going on...

I frequent most of the forums I am familiar with...would you be able to point me to other forums where our migration process is being discussed? It would be appreciated.

Thanks
James

Maybe you should just email all clients and explain to them what is going on, that is what you should do. You would avoid a lot of confusion, and would inform people in advance what is happening. I know if I was only notified a few weeks before I had to move (when I could have been notified months before), I would be very frustrated/annoyed.

Originally posted by jacker
I frequent most of the forums I am familiar with...would you be able to point me to other forums where our migration process is being discussed? It would be appreciated.

Thanks
James

Most of the forums where the "heavy" debating is going on are customer-only forums of various service providers. I am trying to point them all to this thread here, since it's the first one where I've actually seen some real information about what is going on.

FYI - most people are concerned about the lack of communication regarding this "migration".

For example, let's say that you did email or notify all the US customers... do you really think none of the CAN or whatever other customers are going to find out?

Do you think they are going to just sit and wait for you to maybe one day email them, too?

Not likely. There is a lot of questions like, "hey you got emailed, why didn't I? What is going on?"

So why don't you email EVERY ONE of your customers and explain your "migtration" schedule on a worldwide basis, provide a faq of top 10 questions, etc...

Simple stuff...:rolleyes:

Originally posted by jacker
ant0 - our UK merchants are receiving instructions on migrating. If you have not received a package (migration kit) yet, don't worry; the delivery is staggered to enable us to establish a smooth flow.

mrzippy - we will make an announcement to all of our Canadian merchants when the time comes. I am sure most of our US merchants (and the EU ones that have received their package) will attest to the fact that we have spent some time putting a program together that has made the migration relatively easy. Noone likes to do excess paperwork, but we have tried to keep it to a minimum, and we will handle Canadian clients in the same way.

Cheers
James

All I can say as a UK merchant is they sent me a new contract, demands for documents and website changes a whole 6 days before they are required! With little or no information on what exactly is taking place other than listing 3 changes. I had to call them to get any clarification, although the lady on the phone was helpful it would have been nice to have had much more warning, not get it to us before 6 days or risk having your processing suspended. If what I received is classed as a migration pack then it's a joke frankly.

By the way.. I would consider 2 months advanced notification a MINIMUM amount for such a critical change as you are describing here. (moving from a 3rd party solution to a real merchant account..)

Anything less then 2 months will likely not make your company look very good.

Thats too late, they are already looking bad and a lot of confusion is going on to what is happening. 6 days is completely unacceptable.

What happens if we don't want to go ahead with this move. When you lock the account I presume you will continue to pay any money in the reserve/holdbacks for the following 6 months?

If what I received is classed as a migration pack then it's a joke frankly.


Here here. PlanetPayment tried to pull this sponsored merchant thing off with Pago and Deutsche Bank without success.

The documentation is weak and a forum should not have to be used to clarify such, whatever happened to decent communication?

I'm missing parts too, refer to Schedule A for fees, there is no Schedule A. :rolleyes:

Originally posted by MattF
What happens if we don't want to go ahead with this move. When you lock the account I presume you will continue to pay any money in the reserve/holdbacks for the following 6 months?

Jacker, here is question #1 for your FAQ that I presume will now be given to Canadian clients in 2 months? :rolleyes:

mrzippy - thanks for pointing people here.

BTW, I am trying to skim the posts and provide the most relevant answers. If I miss something important, it isn't being intentionally overlooked - please point it out to me.

I understand where the concerned merchants are coming from. If there is one piece of the ecommerce puzzle that is important to the merchant, it is their payment processor because without that, the moneys cannot be collected. However, in this case change does not indicate instability. We are getting our qualifying merchants (US and EU, at the moment) to have their own descriptor, a more transparent (unbranded PaySystems) payment page, and in the case of US merchants, daily settlement. There is no integration work required, nor will there be any pause in processing; we will continue to take your billing calls as our telephone number will remain on the cc descriptor.

Essentially, all that is required is some completed paperwork. We set some tight deadlines, but they were intended to get our clients to fill out the info quickly. If we had given the two months notice, we probably would have been looking at a situation where 10% complete the docs as a priority, and the rest (like me) wait until the last minute to do it anyway. We are not penalizing people for missing that deadline; we just want to get this over and done with as quickly as possible.

For the merchants that have not received the package, there is nothing to worry about. The third party platform will continue to run as usual; if you would like to speak to someone here, our support lines are open 24 hours.

James

MattF - yes, if you choose not to move over, your reserve will continue to be released to you month by month for 6 months. Also, where is the reference to schedule A? I am not personally dealing with EU migration so that may be something I am not familiar with. Let me know and I will straighten that one out for you.

Thanks
James

As a current EU customer, once we have sent your requested papers, what else do we need to do? I'm not clear about gateways and such.
I also still want to make sure our current recurring customers remain intact, and don't have to sign up again.

Elm - the recurring clients will remain on the same engine provided by the current MCC. Once we have received the papers, your job is complete.

James

Jacker, thanks for the informative posts. You are greatly helping to clear up all the questions and concerns.

With regard to the short time duration to try and "speed up" the response from your customers.... that is a very lousy way to do it.

Why? Because it penalizes the cautious companies who must involve their legal department, carefully evaluate their options, etc...

It would have been better if you gave an incentive for quick response. Something like, if you return your paperwork within 1 week we will give you a credit of $25 worth of transaction processing. Or whatever. But the point I am making is that you are freaking a lot of people out by the rush rush rush attitude. People have questions, and when it seems like they are being rushed for no good reason, then you are in trouble. Your reputation will be damaged. Just look at a few of these threads... you are losing your reputation here at WHT as we speak.

You are helping to fix this problem with your informative posts, but the fact you even had to get in here and practically be BEGGED to provide more information is not a good thing. People prefer to work with a provider/supplier who is proactive in thinking about things from the CUSTOMER side of the coin.

Cheers. :)

All that being said... you (paysystems) might have the nicest technical system in the world...

... but if your customers don't trust you any more, then it doesn't matter.

I'd personally rather utilize the services of a company that is more service oriented, provides high support, and pro-actively communicates with me.. even if it means costing a little more and maybe not offering as many features, etc...

:cool:

Take that as you will... but there's little point developing a world-class technical architecture if your customers feel like they're being screwed or not being listened to.

mrzippy - point taken. I am not in any position to make sweeping changes to our infrastructure, but I do understand what you are saying. The response has been overwhelmingly positive, thankfully. For those merchants that are disappointed with the migration procedure, we apologize...the new platform will definitely serve you well.

Cheers
James

Originally posted by jacker
We are getting our qualifying merchants (US and EU, at the moment) to have their own descriptor, a more transparent (unbranded PaySystems) payment page, and in the case of US merchants, daily settlement.

What do you mean by "qualifying merchants"?
I am a long term customer in the EU (Austria) and so far got no papers, so what would qualify me? Is this based on processing volume?

Walter

We have staggered the migration kits being sent to EU merchants. The large volume merchants received the package first, but all merchants in the EU qualify...you should receive everything within a month.

Cheers
James

Thank you for keeping Webhostingtalk users informed :)

How are these migration kits coming?! Mail?

I was looking for a merchant account couple days ago, so I called them, I had to wait 45 mins, but when someone picked up the phone, it was very friendly and helpful.

so does his mean we have to start paying monthly fees or else move to another provider..?

If you are using them, yep, thats what customer support told me couple days ago.

Jacker,

When we signed up several months ago, my Paysystems salesman promised "All these features are coming out in the next few weeks"

-support for CAD and USD within the same account
-Canadian ACH deposits
-support for Canadian taxes

It's been over 3 months, and now it appears that CAD merchants are getting nothing for at least 2 to 8 months.

Could you please outline your plans and timeframe for CAD merchants.?

I was not very impressed to have all these promises made with no resolution.

What about those of us that are located in Asia? Will we be migrated to the new system?

Originally posted by fstudios
so does his mean we have to start paying monthly fees or else move to another provider..?

Originally posted by TheStarKillers
If you are using them, yep, thats what customer support told me couple days ago.

Jacker clearly stated:

Originally posted by jacker
Again, to clarify: merchants that are scheduled to migrate to our new platform have received notification or will receive notification shortly. Those that are not scheduled to migrate (among others, Canadian and Australian merchants) will be left as is on the third party platform and will continue to process as usual.

Originally posted by Walter
Jacker clearly stated:....

Walter, he also clearly stated this:

MattF - yes, if you choose not to move over, your reserve will continue to be released to you month by month for 6 months. Also, where is the reference to schedule A? I am not personally dealing with EU migration so that may be something I am not familiar with. Let me know and I will straighten that one out for you.

so after 6 months the account is locked if we don't move over to the new system?:confused:

they even stopped accepting international clients.

i wanted to get new account for one of my customers (as i always used to) they told me that they dont support international anymore..

so i think i'm stuck with 2checkout :(

jacker:

I've got a bit of a situation!

I asked these questions to your support dept, who told me to contact your sales dept via email (and apparantly, they didn't know the answer). So, I contacted sales, and waited around 4 days for a reply. I contacted them again (through your online form this time), and waited a few more days. As of yet, i've had no reply whatsoever.

My questions are as follows:

1) Based in the UK and are not registered as a Limited Company (but rather just a Sole Trader), I cannot provide you with 'proof of company registration' as asked for on the migration documents your company sent me. In this country, a Sole Trader can pretty much trade under whatever name they wish - the individual running the business is fully liable, however. So, I cannot provide you with proof of company registration (as I don't have a registration certificate, or anything else which proves my company has been registered) - thats just how it is here (although if anyone in the UK can advise me otherwise, please do :)). Is this going to be a problem -- can this step be skipped, or would you like me to send you something else?

2) The 'Pago' form asks for 'Legal name'. Again, being a sole trader, would I enter my own name as the Legal name, the name under which I trade, or would I enter it as 'My Name T/A Company Name' (where T/A is 'Trading As').

I don't know about you, but when a question such as this arises, my first thought would be to contact Support - not Sales. I aren't usually one for making a fuss and complaining, but I certainly don't like being passed around to different departments, just because its easier on for the Support dept to pass me around, than it is for them to find the answer themselves, on behalf of the customer. After all, isn't that what the Support department is for -- providing Support? Also, if (as seemed to be the case from the previous person I 'talked' with, through online chat) you'd like everyone to phone you rather than contact you online, why bother even having an online support area? You may as well just state that support is only provided through phone.

I'm sorry to make a fuss (I very rarely, if ever, make a fuss or complain about anything), but i'm completely stumped now as to what I can do with regards to the migration, and even if I do get the documents sent out, they aren't going to be with you by your recommended date of June 15th.

Can we have less of 'I don't know and I don't care - go bother a different department', and more internal communication to find the answers to your customers questions, please.

I am very sorry I have to say these things, but this is how and why I believe this situation has turned out. I'd be grateful if I could get a reply to my email(s), or a reply to this post, just to clear up my questions.

I understand and respect that you must be busy with the migration of your system, but the whole process would be a waste of time if your customers cannot migrate over with you.

Thankyou.

Originally posted by michaelderbyshire
jacker:

My questions are as follows:

1) Based in the UK and are not registered as a Limited Company (but rather just a Sole Trader), I cannot provide you with 'proof of company registration' as asked for on the migration documents your company sent me. In this country, a Sole Trader can pretty much trade under whatever name they wish - the individual running the business is fully liable, however. So, I cannot provide you with proof of company registration (as I don't have a registration certificate, or anything else which proves my company has been registered) - thats just how it is here (although if anyone in the UK can advise me otherwise, please do :)). Is this going to be a problem -- can this step be skipped, or would you like me to send you something else?

2) The 'Pago' form asks for 'Legal name'. Again, being a sole trader, would I enter my own name as the Legal name, the name under which I trade, or would I enter it as 'My Name T/A Company Name' (where T/A is 'Trading As').


Those are exactly the questions I've been waiting days for an answer to as well.

I think clarification needs to be made regarding these two statements:

Originally posted by jacker

There will be no rate increase, and our merchants will still have the full functionality provided by our MCC.


Originally posted by jacker
Clarification: current merchants will not experience any rate changes. New US clients will have a $9.95 monthly statement fee and new EU clients will have a $49 monthly statement fee. Of course, a gateway will be neccessary with our merchant accounts, so tack on another $20 - $30/month for that, depending on what features you require...recurring billing, advanced fraud checking, etc.

James

Your first post states there will be no rate increase. Perhaps you meant that to reference the discount rate, even though you did not specify that.

Then after questioned because your phone reps are opposing your claim, you "disclose" that US merchants will now have a statement fee of $9.95 as well as a gateway fee (necessary according to your post) of $20-30/month. EU customers have a statement fee of $49/month. Your EU customers have stated several times there was to be a section A explaining these new fees, but it is not present in the packets.

So perhaps you should clarify exactly what it is going to cost the businesses that stay with you. You state that your "rates" are not changing. That means this new statement and gateway fee are on top of the discount rate and transaction fee....correct? That is something to seriously consider when deciding to stay with your company or not.

Well that's it.... given the sly underhanded way PaySystems are dealing with this whole affair, the apparent attempt to 'hide' or 'bury' the new fee structure, and the astounding lack of information to current vendors, I'm off.

I will be closing my myPaySystems account and setting my 2scheckout account as my primary payment processor (especially now that the v2 system is supported by WHMAP).

This has been a fanastic example of how 'not ' to treat customers :angry:

(BTW, nothing would ever entice me back to MPS now - IMHO they have behaved extremely unprofessionally throughout this ongoing fiasco)

With payment processing being such an important part of any online business accepting online payments, this is certainly not an area I (and probably everyone else) enjoys being messed around in. I have (as have many others, it seems) waited patiently for answers to emails which it the sales department (who apparantly are supposed to have all the answers) have blatently and completely ignored.

Come tomorrow, lets hope someone comes here and clears up what can only be described as a complete mess in terms of lack of information. We need answers to our questions, and ignoring our emails and fobbing us off in live chat is not going to work.

I have this feeling that the reason they give you such short notice is so that you cannot not change to another merchant provider, by giving you 6 days you don't really have much choice but to accept their offer. This is only a thought and may not be the case, but just something to think about.

Thats very true. I must also admit that thought had crossed my mind too.

Aye, still waiting for a reply here.

Obviously moving payment processor is time consuming and difficult, especially when processing lots of recurring transactions every month.

So is it correct in that the new PaySystems structure will be a merchant account at the same transactional rates as before (which were already quite high due to being 3rd party processing rates) BUT also with an -additional- $10-50/month statement fee (US / European respectively) AND a $20-30/month gateway fee?

So, in essence... 3PP-type rates but with the additional cost of a typical merchant account structure on top of it all?

I really don't see how they could make the claim of "no rate increases" when these monthly flat fees would have a much larger impact on many smaller merchants than any difference in the processing rates would.

That is much akin to selling a car for $5,000 but then as you walk out of the dealership, you find out that if you want the tires, it'll cost an extra $15,000.

I'd sincerely hope that they made a point to make clear mention of these monthly costs when they informed their merchants, as it is not something that is trivial or should be "discounted" as "not a big deal" for many folks.

I already have a merchant account that I get a decent rate through, I just never bothered moving anyone from Paysys (or 2checkout) to it unless they needed to make a change then I moved them over "while we're updating may as well get you into the new system". So exactly what reason would I have for wanting to go through all this hassle (and expense)? I'll just move people over to the new system as they come due for renewal and save myself money and the hassles of dealing with a company who, quite frankly, has a shaky track record at best.

Good morning.

Hope everyone had a good weekend...it was Grand Prix weekend here in Montreal - the city was a zoo of good times.

There has been a ton of posts here since Friday; I read everything and will try and answer all of the questions in a general fashion. If anyone feels their question was ignored, speak up and I'll answer it.

Rates - for current merchants, there will be NO RATE CHANGE. I do not know how to make it any clearer. I stated that new merchants will have monthly fees, but for migrating merchants, all fees will remain as is. The Schedule A referred to in the EU package is the original rate schedule that was part of the original contract. I understand the confusion there...in hindsight, we should have included a copy of that.

Sole Traders - please enter your info as you see fit. In other words, enter your legal name as the name on your bank account. Enter your T/A / DBA as the name your customers would recognize. As for proof, please place a note on the agreement that you are a sole trader; that will suffice provided you supply the rest of the supporting documents.

General - The Sales department has been designated as the main point of contact for this process; that is why Support has been passing questions off to us. We receive hundreds of Sales emails each day, and try to process them all - if we have overlooked any of you, feel free to email me directly - jacker@paysystems.com - and I will respond to your q's.

Cheers
James

Originally posted by jacker

..


That's very informative, thanks!

I am thinking I would rather eat 25 a month in Merchant/Gateway Account fees at CDG for a few months and not have to deal with all of this 3rd part stuff. I mean the 5.5% of 2CO is obsurd to me. This whole thing is leaving a bad taste in my mouth. I am not bad mouthing 2co mind you, i just may skip all of this and go straight to a merchant account.

Jacker: Few issues here.

First off, you can not expect every client to login to the MMC to receive information about this. I have not gotten anything in the postal mail regarding this, nor email.

So basically you are no longer a 3rd party merchant... and in addition to the fact you are staying with your rather high 3rd party prices (compared to the standard merchant account), I will have to aquire and pay a gateway monthly fee and per transaction fee just to keep processing with you? And if I do not want this, or agree to the new terms my account will be closed? And you gave me virtually no notification of this? If I wanted a merchant account... that is what I would have gotten.

Basically you seem like you will be putting many of your clients in an unpleasant position... There is no way of keeping things as-is? This is just sheer stupidity...

Aaron

There are no rate or fee changes whatsoever for existing clients. You will not need to acquire a gateway...feel free to contact me to discuss further.

Cheers
James

Originally posted by jacker
Aaron

There are no rate or fee changes whatsoever for existing clients. You will not need to acquire a gateway...feel free to contact me to discuss further.

Cheers
James

Then I am confused as to what exactly this update is offering. Is it offering just the ABILITY to link your account up with a gateway so it operates like a real merchant account? For all customers of yours who want everything to remain the same... nothing will change?

The update will provide existing merchants with 1) Daily settlement and 2) Own descriptor. The accounts will continue to operate with the exact same technical setup.

James

Originally posted by jacker
The update will provide existing merchants with 1) Daily settlement and 2) Own descriptor. The accounts will continue to operate with the exact same technical setup.

James

Ok, great :). So the advantage of getting a gateway is just to take advancage of the virtual processing (ie collect CC data on my own page and run it through your site). Is batch virtual processing supported through some sort of API?

I am a bit confused. I am from India. Will my account continue to be a 3rd party processing account. Also since you havestopped taking clients internationally, is it also possible that you request me to close down my account one fine morning.

Please clear up these things.

Abhishek

Aaron - If you want to obtain a gateway, then you can, and that would give you some functionalities that are not offered, or are different, with the MCC...I am not sure what you are referring to with "batch virtual processing"...please explain a little. Thx.

Abishek - your account will continue to be a third party account. We will not request you to close down your account at the drop of a hat...if there is ever a situation where we are not going to be able to process for you, we will give you ample time, and assist you, in finding another provider.

Cheers
James

- deleted -

Thanks Michael - that is pretty much right. The only thing I should point out here is that if you want your own gateway, you will be subject to the $20 (approx.) monthly fees that gateways charge. The recommended option is to leave things as they are; just fill out the forms and return them.

James

Originally posted by jacker
...if there is ever a situation where we are not going to be able to process for you, we will give you ample time...


Is that Paysystems "ample", as in "return all these legal documents in 6 days or we shut you down"?

or real-world "ample" as in "we realize that it is a difficult and time-consuming process to switch payment processors and will give you 90 to 120 days to do so"



:D

:)

sightz - There was never a threat to shut anyone down...we gave a tight deadline to emphasize to the merchants that we wanted the documents back ASAP. I do understand where you're coming from, and I would think that a reasonable time for our clients will be 30 - 60 days if we ever need to give them notice. Hopefully, that will never be a question.

Cheers
James

Jacker, In all honesty your comments are taken with a huge grain of salt, since you work for PaySystems. Here are some tough questions...Why do reps lie about fees, rates etc...What is the story with the new chargeback fee of $125.00. Why did you loose the ability to process Amex?? Why do you hold funds without just cause. or those who remeber processors like websitebilling and jinix did the same, before going under....

Originally posted by jacker
There was never a threat to shut anyone down...we gave a tight deadline to emphasize to the merchants that we wanted the documents back ASAP.

What is the purpose of giving a deadline if the "deadline" is not enforced and is totally meaningless.

Where I come from, if you say there is a "deadline" of xyz days, then after that "deadline" passes something happens.

So you are saying that nothing will happen after your deadline passes?

In that case, I think "deadline" is the wrong term and is very misleading. (Obviously it's misleading since many merchants are rightfully confused as to what happens if/when they miss the so-called "deadline". :( )

Why doesn't PaySystems.com get their own forums for support, anyway?

Seems kind of silly to use WHT to distribute and support such basic information, but after 6 pages of this stuff....

I'm glad WHT is useful, but this is an indication there's some problems with the support mechanism at paysystems.com....

I wonder if "paysystemstalk.com" is taken?

Originally posted by mrzippy
I wonder if "paysystemstalk.com" is taken?

I was bored... it is now :cool:

Sounds to me like a new forum has just been born. ;)

Originally posted by cdgcommerce
Sounds to me like a new forum has just been born. ;)

Yes, that's all very well and good.... but what will the fee structure be for this new forum? Will there be a one off sign up fee? A monthly reading fee? A fee per post? Or a combination of these?

I feel it is vital that these items be addressed in a clear and transparent manner so that all paysystemstalk.com forum members are fully aware of the pricing structure which will be implemented.

:D

At least 75% Sales Fee, And 24% will go directly into the local pub, wich will leave an outstanding 1% to you!
Ain't life great?!

I believe Paysystems was good a while back, but from what I have seen over the bast couple of months, it looks like they are running themselves into the ground. I wouldn't process a penny with them!

Originally posted by Ei-Hosting
At least 75% Sales Fee, And 24% will go directly into the local pub, wich will leave an outstanding 1% to you!
Ain't life great?!

Mark

I think the pub is getting gypped...:)

I called the so called merchant account department because i had several declines. They told me it was becaue the cardholder was commiting fraud. This was interesting since I personally know the cardholders. The true story is the card was declined by the bank, because PS chargebacks are through the roof

Originally posted by MattF
I got the contract.

It is similar to one I got from PlanetPayment, processed through Pago and a german bank. I'm not sure if I ever wrote about PlanetPayment but they took my application fee and did eventually send the contracts, I sent them back with all the required details via Fedex and then waited and waited, I followed up frequently only to be told excuse and lies. I waited months, I think 4 if I remember correctly, before doing a chargeback (successfully) and then go for WorldPay.

The info says refer to Schedule A for fee but I can't find that anywhere.
Matt,

I don't know the timeframe you are talking, but our gateway is the PlanetPayment-->PAGO gateway. What I think may have happened is that we (Shift4) put a hold on all new accounts because PAGO's support was not up to our standards and us, being the front line support, were the ones getting the black eye. With the customers we have using PAGO as their processor, most of the time eveything works perfectly but in the event of any hick-ups, it can take days, or even weeks to get issues resolved.

While we don't like turning away business, you probably made the correct choice in finding someone else because in our opinion, PAGO is not an option.

I agree PAGO :(

NOT GOOD...

I've scanned the schedule A fee page for those of you who want to see it and did not get a copy of it Here (http://www.hostfolks.com/File0009.jpg) (tip for paysystems online documents = good)

JACKER:

With me rushing to get everything sent off, I took your advice and wrote my own name on the merchant contract (being a sole trader). However, you also recommended that sole traders make a note on the contract (or on another piece of paper) that they are indeed sole traders -- I actually forgot to do this.

Well i'm guessing, unless your department is run by robots (hehe :)), you should be able to guess that i'm a sole trader, as I've written my own name on the contract.

Anyway, as I made this mistake of forgetting to write it, I just wondered if this would be a problem?

Cheers

Micheal - it won't be a problem. The worst case scenario will be that one of our guys will give you a call, requesting articles of incorporation. At that point, inform them that you are a sole trader and we will push the agreement through.

Cheers - BTW, the only robot working here is me. :)
James

Hehe :-)

Great stuff. Thanks very much.

Cheers,
Mike

Everytime you call their support you get a different answer to the same question...This compnay is a joke and you can forget about ever getting your reserve back, several people I know who were suppose to get it, never did!

hi,
i am from EU and just recive you "upgrade Kit" Today... it should be re-send back withing june 30... impossible.
I am very confused about:

-- what about Step 5 (provide proof od identification for each signatoreies - driver's license passport-
is this not the same as step 4 ?? is it ok if i fax the driver license for both step 4 and step 5??
-- we do not accepting payments via mail/phone. Do i need to send you the MOTO Questionaire?
-- there is no explaining new fees in your kit. It is a bit difficoult to sign something with no information about what i am going to sign..
--what happens if you recive my paperwork afhter june 30 ? Will my account be suspended? Will you still send my payments i currently have on my account??

Thanks

WWWhost

- We provided "driver's license" as an example for both steps 4 and 5...one copy will suffice for both steps.
- Unless you accept mail/phone orders, you can ignore the MOTO questionnaire.
- The fees are remaining exactly the same...
- We will not put a hold on your account but please return the documents as quickly as possible...thanks.

Cheers - hope this clears everything up for you.
James

Well I've just received the migration pack, and returned it.
But I would have appreciated it when you notified me and all of your other clients 2 months before the actual migration(sending the migration package) And now I'm not even sure if I will get approved by PAGO. I will start looking for another PSP with API support.

AnyWay you knew about this migration allready in January, I talked with Paul in January about an IMA, and since I'm the EU, he sent me exactly the same documents(on 5 January) only than by e-mail. But than he told me a few days later that it was not yet possible to get an IMA. Exactly the same PAGO forms and requirements. So these migration plans were already on the AGENDA of PaySystems. You could have informed about this months ago. But I guess this is just the way how PaySystems is doing their business, because when you did inform your clients 2 months ahead of the actual migration than they would have time enough to move to another PSP. And now they don't.

And something else about PAGO are they only going to process Visa/MC for your EU clients? And what happens with AMEX and Dinners? Also through PAGO or in another way, or your EU clients will no longer be able to accept these cards? --> I guess that's it.

Originally posted by shift4sms
Matt,

I don't know the timeframe you are talking, but our gateway is the PlanetPayment-->PAGO gateway. What I think may have happened is that we (Shift4) put a hold on all new accounts because PAGO's support was not up to our standards and us, being the front line support, were the ones getting the black eye. With the customers we have using PAGO as their processor, most of the time eveything works perfectly but in the event of any hick-ups, it can take days, or even weeks to get issues resolved.

While we don't like turning away business, you probably made the correct choice in finding someone else because in our opinion, PAGO is not an option.


--> Hey Mate do you also accept EU clients?
And do you also suport processing via an JAVA API?

And I think it's also impossible with PAGO to get an Merchant Account for an company incorporated in another European country than the country where in the director of the company lives. Like Gibraltar or Jersey or so. Or you need to choose to get an Nominee Directory with an Power of Attorney, but I don't like this option.

And are their any other options than PAGO? I'm also considdering ePDQ from Barclays, but I'm not sure if they will accept clients from outside the UK. HSBC is also an option for UK clients, than you won't have to rely on a PSP like PaySystems/2CO.

Originally posted by cdgcommerce
So is it correct in that the new PaySystems structure will be a merchant account at the same transactional rates as before (which were already quite high due to being 3rd party processing rates) BUT also with an -additional- $10-50/month statement fee (US / European respectively) AND a $20-30/month gateway fee?

So, in essence... 3PP-type rates but with the additional cost of a typical merchant account structure on top of it all?

I really don't see how they could make the claim of "no rate increases" when these monthly flat fees would have a much larger impact on many smaller merchants than any difference in the processing rates would.

That is much akin to selling a car for $5,000 but then as you walk out of the dealership, you find out that if you want the tires, it'll cost an extra $15,000.

I'd sincerely hope that they made a point to make clear mention of these monthly costs when they informed their merchants, as it is not something that is trivial or should be "discounted" as "not a big deal" for many folks.


--> Well that's easy for them to claim.
The (discount) rates are not changing, but their FEES will.

Well I'm done with PaySystems, I've sent them several e-mails with questions but also some comments, and the only reply I get is: You are right! pff awesome response.

Besides that why do you need to send these migration packages by mail? It would be much more faster and cheaper to mail personalized PDF's.

Can someone please recommend me some PSP's(In US/Europe or else) who take EU clients? And with support for JAVA API.
With good support, fast setup, and no lying about fees.

hi jacker, i have a question since your sales department did reply us back

Do you take new clients from EU (by providing them their own merc.account) with no past processing history?

thanks

Originally posted by PlanetAFF
hi jacker, i have a question since your sales department did reply us back

Do you take new clients from EU (by providing them their own merc.account) with no past processing history?

thanks


I guess you mean they didn't reply?
Well if they didn't reply to you than you should really think about it twice if you really want to process through PaySystems.

I see your point, but my job is to examine all possible options. Sad but true in EU the options someone has are extremely limited.

Where do you come from? There are enough options. Open your eyes. ChronoPay/WorldPay/Bibit/Ogone/ePDQ/HSBC and enough others, but the most of the times it's more expensive than US PSP's but the most of the times you will get a better service//support in return for that.

It seems that just about everyone here is going through the same fustration with PaySystems. The lack of comunication to merchants is unimaginable. Why don't they finally be honest with their merchants and explain why they need to migrate us. Secondly, if PaySystems is sending us to Pago, why not go their ourselves and get a better rate. Let's cut out the middle man (PaySystems)!

Yeah true about the discount rates, but you still need to have software/knowledge fraudscreening and stuff that's what paySystems is for. ChronoPay is also working with PAGO and some others, they have lower discount rates. And I allready had this HYBRID IMA with PaySystems, and they said no monthly fees, ad after I signed upo they started billing me for 50 USD per month, I asked the sales person about it, and he just said I didn't know, sure you did know this. B.S. And now they're saying this again with this migration but I guess they will screw me for 50 USD and PAGO also for 50 EUROS. Well I mailed ePDQ, but I'm not yet sure if the take clients outside the UK.

And I think PAGO is only processing VISA/MC so more accepting other cards, I guess you need to get your own Internet Merchant Numer with AMEX for this. Well this is not clear to me, because PaySystems isn't communicating this, and they don't answer your questions. Incapable employees overthere.

www.pago.de
http://www.pago-international.com/Pago_Partner.537.0.html
And VISA/MC do have a lot of requirements when you want to play for an PSP like ChronoPay.

I've found these 2, but I'm not sure of what they are, I guess acquirers not PSP's

http://www.telekurs-multipay.com/tkmpch_index/tkmpch_home.htm

http://www.cornercard.ch/public/de.pub.html

PlanetAFF

We can take European clients with no past processing, but there are stringent requirements and the underwriting process takes a while (3-4 weeks). I would much rather set the expectations low and go from there... Get in touch and I will provide you with the compliance requirements, etc.

Cheers
James

Jacker, do you own PaySystems?

Originally posted by hostingplus
Jacker, do you own PaySystems?


No, lol, just chained to my desk.

James

heheh (-$

Originally posted by jacker
No, lol, just chained to my desk.
James
To be serious for a minute... are you in a position to clarify exactly why PaySystems did not inform their customers/vendors properly in advance of this new plan/system? Many vendors knew nothing of the changes until reading this thread on WHT.

I understand you may be effectively 'gagged' by your employers (if you are in 'just' an employee) on responding to certain questions on a public forum, but surely they can see the damage being caused to their reputation by the current chaos/lack of formal information and formulate some sort of public explaination/apology (which should go out via email to all vendors).

Originally posted by ant0
To be serious for a minute... are you in a position to clarify exactly why PaySystems did not inform their customers/vendors properly in advance of this new plan/system? Many vendors knew nothing of the changes until reading this thread on WHT.

I understand you may be effectively 'gagged' by your employers (if you are in 'just' an employee) on responding to certain questions on a public forum, but surely they can see the damage being caused to their reputation by the current chaos/lack of formal information and formulate some sort of public explaination/apology (which should go out via email to all vendors).


Yeah if they are clever than they do immediately an e-mailing to clarify a lot of things. And they can setup a support website for their members: faq -- forum. Better to discuss it overthere than overhere.

ant0

First of all, to answer your question directly... I am responsible for gathering new business from the web forums, and part of those responsibilities include responding to posts which directly involve PaySystems.

To be completely honest with you, the feedback that we are receiving from 90%+ of our merchants is very positive. I know this because if you call the toll free number in the migration package, there is a 1 in 4 chance that I will be the one taking the call. Having said that, the other 10% or so does represent a large number of merchants, and we are working to make them as comfortable as possible. There was no blueprint for us to follow when it came to a mass project like this; we put together a plan and went with it. While it may not be perfect, my "ungagged" :) personal opinion is that it is working out relatively smoothly. There is obviously some hitches with certain merchants, but so far everything has been able to be achieved with work-arounds.

For everyone reading here, I will again say thanks to all for your co-operation...

Cheers
James

In all honesty how can you say 90% of merchants are happy with the way things are currently run over at PaySystems. The truth is the compnay has and is trying to pull a fast one over their merchants. When I call I always get a dirfferent answer, my fees are mysteriously raised, I get charged over $150 for a chargeback I got way back in October. <<We take the "be polite rule" very seriously. Please do not call other people incompetent or liars without proper evidence that sustain such accusations. Thank you.>> acker if I was you I would let the owners of your compnany take a look at this board. Maybe if they see how many people are unhappy, then they will change their ways. To me it sounds like you are trting to put on a brave face, but in your heart you realize that the actions of your company leave alot to be desired. I understand your situation, but stop trying to smooth everything over with your nonsence.
If you need processing then you have two choices, get your own merchant account or use 2co.com...
Paysystems is clearly on the brink of bancruptcy, why else are they changing their whole systems? Get ouyt now before it's too late!!!

Originally posted by dutchee
--> Hey Mate do you also accept EU clients?
And do you also suport processing via an JAVA API?

And I think it's also impossible with PAGO to get an Merchant Account for an company incorporated in another European country than the country where in the director of the company lives. Like Gibraltar or Jersey or so. Or you need to choose to get an Nominee Directory with an Power of Attorney, but I don't like this option.

And are their any other options than PAGO? I'm also considdering ePDQ from Barclays, but I'm not sure if they will accept clients from outside the UK. HSBC is also an option for UK clients, than you won't have to rely on a PSP like PaySystems/2CO.
Unfortunately, PAGO is the only European processor we currently are certified with so since we have a hold on all new PAGO accounts, we don't have anything we can offer you at this time. We are working with NOVA but they are still ironing out all the legal and technical details to do EU processing and I "think" their ETA is 1st or 2nd quarter 2005. We are also working with Barclays and Lloyds but that's all I know -- no status or ETA. Neither option will halp your current situation.

Sorry and good luck.

A little reality is needed here...

Originally posted by hostingplus
The truth is the compnay has and is trying to pull a fast one over their merchants.

That's your personal opinion. You have no substantiated proof of a mass conspiracy.

Originally posted by hostingplus
acker if I was you I would let the owners of your compnany take a look at this board. Maybe if they see how many people are unhappy, then they will change their ways.

It is highly unlikely that this board/forum is an accurate representation of all of PaySystem's customers. In fact, this thread has only a dozen or so very unhappy customers. The hosting industry isn't PaySystem's only target market, if it is one at all! If this thread had hundreds of unhappy customers posting into it, then that would be a different story.

It's not likely that the owners are going to come look at this thread and make a change that would affect thousands and thousands of customers, just because of a few unhappy ones. That's the game of big business.

Jacker may be correct... maybe we (you) are just the unlucky customers who fell through the cracks of misinformation.


Originally posted by hostingplus
Paysystems is clearly on the brink of bancruptcy, why else are they changing their whole systems? Get ouyt now before it's too late!!!

Well, they might be changing their system for the reasons they said. :eek: Unless you can bring reasonable and rationale proof to the table, then your "the sky is falling!" post just sounds like you are a pissed off customer.

Which of course, you are. But that still doesn't mean PaySystems is going broke or having problems.

Please keep in mind that I'm NOT a happy PaySystems customer right now... I am also upset with the lack of communication and information. But that doesn't mean it is appropriate for me to go and spread an opinion which could possibly be taken as slander.

At the very least, if i were you, I would keep my mouth shut until AFTER I cancelled my account with PaySystems. According to their TOS, they do have the right to cancel your account/contract for any reason.. and public slander is certainly a reason.

Originally posted by jacker
ant0

First of all, to answer your question directly.... .....While it may not be perfect, my "ungagged" :) personal opinion is that it is working out relatively smoothly. There is obviously some hitches with certain merchants, but so far everything has been able to be achieved with work-arounds.

For everyone reading here, I will again say thanks to all for your co-operation...

Cheers
James
Okay, thanks for the reply. FYI I'm a UK vendor, haven't received any formal notification of ANY changes in the works, haven't received any 'pack' in the postal mail, haven't had any messages via my online control panel.

I guess I'll wait and see how this pans out. I'm awaiting 'something' concrete to confirm that existing UK vendors will not have any new or increased fees as you noted earlier in the thread.I haven't closed my account as yet - my initial reaction was to close the account (as noted in a previous post), but I'm now willing to wait and see.... (but I do have a back 'waiting in the wings' ready to go live if need be).

For the record..... I agree that the reply by 'hostingplus' was way OTT.

I'll shut up now..... this thread is big enough already :(

jacker-- just see that the Settelment cycle is by default "weekly" I do not use weekly settlement but using the Minimum Settlement Value. Can stiil use this? adn can i change this on the application writing:Minimum Settlement Value?
and what's the credit card statement identifier?

Thanks

heheh they never took the time to notify you a couple of months before they were really doing this. While I've seen these migration documents already on January the 6th. And I received them 2 weeks ago or so, send them back, and they don't have it received yet, and they need this before tomorrow, if they haven't received it, than they will just shut you down on the 15th of this month. Well let them, I had and did change the complete scripting for nothing, I will og to someone else, this is just not the way how you do business. I will never process another $€ through PaySystems.


--> Ow yeah the ssales guy did say before I got this Merchant Account that there were absolutely no monthly fees, now I checked again my contract and the monthly fee is NIL, but still I'm paying 50 USD per monrth, and he just says, sorry didn't know, yeah right.

I normally try not to get too heated about things and I try not too rant to heavily nor too often if I can help it, but I'm just gonna have to say a few things about this.

From: myPaySystems announcement <migration@paysystems.com>
To: gary@8-95.com
Subject: myPaySystems July 1st Settlement Delay
Date: Thu, 1 Jul 2004 17:45:00 -0400
Dear myPaySystems Merchant,

The following is to notify you that we will be delaying your July 1st settlement.

Notice the time, keeping in mind Paysystem's office hours are 9-5 EST I get this notification 45 minutes after they close.

We are now in the final phase of migrating to our new processing platform and unfortunately, you have missed the June 11th deadline for submitting all of the necessary documentation to convert your account.

June 11th? That's nice, my first notification of ANY kind from Paysystems was some PDF documents I recieved on TUESDAY of THIS week, THIS WEEK so this June 11th deadline is gonna be just a WEE BIT HARD TO MEET considering I can't seem to locate my flux capacitor.

Although we value your business, Visa/Mastercard association regulations require that we have the appropriate merchant documentation on file in order to allow you to process transactions through the new platform.

That's all well and good but the money you're not releasing to me TODAY was processed BEFORE this changeover occurred so is there any rational explanation for holding it? I'd sure be interested in hearing it.

From the very first hint this was coming I knew without a shadow of a doubt this would be a cluster****, I knew to the marrow of my bones they'd screw the pooch and sometimes it really SUCKS to be right.

I am returning the silly documents so they'll send me the money they've already charged MY customers for, I have no real desire to use this new system mainly because I'm just pissed off about this crap and would prefer to cut my ties alltogether, my billing staff is in the process of converting my paysystems customers over to our merchant account but jesus fig that's a REAL pain in the butt people are really reluctant to RE-FILL OUT order forms for stuff they're already using (much like I WAS to fill out all this crap to CONTINUE using paysystems).

I'll refrain from too much gnashing of teeth and paysystems sucks comments I'm sure everyone is capable of drawing their own conclusions.

Jacker, if you're still subscribed to this thread... I would listen to Gary and place heavy weight to his comments.

He is a respected member of this community, and his experience with this "migration" and paysystems is going to have a lot of impact.



Gary, best of luck to you! ;)

Originally posted by mrzippy
Jacker, if you're still subscribed to this thread... I would listen to Gary and place heavy weight to his comments.

He is a respected member of this community, and his experience with this "migration" and paysystems is going to have a lot of impact.



Gary, best of luck to you! ;)

It's just a major pain to be notified on a FRIDAY 45 minutes after closing on a THREE DAY WEEKEND that a largish deposit is not happening.

It's also pretty silly to get forms on TUESDAY that had a deadline of "3 weeks ago".

End result is I'm just pissed off and put out at the whole process. They have ALL of this info on file for me from when I signed up the first time, every bit of it, why make me fill out another form just pull my file and send the original forms in as they are?

BAH ******** and bother is all it is. And anyone who knows me knows I get aggravated really easily if it's something I feel is a waste of time, and by god this damn sure is.

Originally posted by Dixiesys
It's just a major pain to be notified on a FRIDAY 45 minutes after closing on a THREE DAY WEEKEND that a largish deposit is not happening.

It's also pretty silly to get forms on TUESDAY that had a deadline of "3 weeks ago"

Well I sent my forms in a week ago and my docs were apparently incomplete. Unfortunately they just gave a bulleted list of things, half of which I need clarification on--including items listed on their form as "INTERNAL USE ONLY, PROCEED TO NEXT SECTION!"

And let's not forget that on July 5th processing will stop...so if you can't get a hold of them tomorrow via phone (cause everybody knows Randy Quansah won't respond to you via email--I've been waiting for days), then you're out of luck because the sales office is closed on the weekends.

So jacker or whoever...don't throw that "Every person I've talked to" crap, because quite honestly, you probably haven't talked to the people that are least satisfied with this over night shabby business switch! Maybe someone over there should take a statistics class so you can figure out what your customers REALLY think.

Yeah the only advice: I can give everyone don't go ever with PaySystems, ever!! And if you're already with PaySystems switch to another solution provider!!!!!

Gary, did your "packet" at least have the new "fee schedule"? It astounds me that they left that out of the original packets but yet you have to agree to the fees on that form (even though they didn't provide a copy of it) to move forward.

As it stands for everyone that signed the forms without a copy of the fee schedule, they can charge you whatever they want. By signing and returning the forms, you agreed to the terms set forth in the packet, including the fee schedule. Should it come down to a dispute, they now have your signature saying you agreed to the fees. And since you do not have proof of what the fees should be, it would be a little hard to prove your side.

The attitude paysystems has displayed in regards to the fee scheduling missing from the packets is of great alarm. They just don't care. The right thing to do would be to send it out to everyone who got the packets that did not have it. I am not sure if they have even started sending it which is why I asked Gary if his had it. If not, I would not sign it until they provide that. Of course then they will hold your money from you until you do return the forms....such as they are doing to Gary.

Not exactly fair is it?

What PACKET? I got a freaking email with a couple PDF's attached, that's ALL. No packet has been seen yet. Just a couple emails, one Tuesday and a couple yesterday.

It's pretty arrogant to think I can just drop what I'm doing and fill out all these forms and get them faxed, wait for replies and the inevitible "you left out" or "you filled out this wrong" replies, correct, re-fax, rigamarole just to CONTINUE being paid by my customers and to get deposits for charges ALREADY MADE to my customers.

I knew they were changing things but I guess I just assumed since they asked for everything but a sperm sample the FIRST TIME I sent them documents when I signed up originally that they'd just use what they had and "upgrade" (I use the term loosely, I haven't seen anything I'd call UPgrade yet) me without a need for lotsa crap. I was wrong it seems.

of course if they close our account because they do not recive documention in time. I (and all other paysystems customers like me) have to close the account going elswhere... That is like a bummerang turning back to paysystems...

Mid way through this thread, I took the decision to close my PaySystems account and move my CC transactions elsewhere. I'm glad I did :eek:

btw.. i would be happy if "jacker" would replay on my last question.... I also have not recive any feee schedular so i dont' know what fees i going to accept.

now think about the following situation. They "freez" my account. I have monye on my account as customers payed my hosting service. I have 2 ways to do things:
- close all hosting accounts because i have no payment for service and ask my customers to pay again to my new merchant account. Customer will ask a chargeback to paysystems and this will cost me $25 per chargeback.
- goign to open a new merchan account and do not ask customers to pay again but pay the next quarter (or in whatever way he setup his payment). Thi means i gave free service to my customers and also loose my money i currently have with paysystems.

Not sure, but i don't think this is the way to do business...

Originally posted by ant0
Mid way through this thread, I took the decision to close my PaySystems account and move my CC transactions elsewhere. I'm glad I did :eek:

For some of us that isn't an option in the 20 days notice they gave us, which is probably the reason they gave us such short notice.

Well here it is 3PM (4PM EST which is Paysys time) and I've not gotten any emails, phone calls, or nothing today, I called earlier and left a message with the contact I was given in my emails, and I also emailed a few times.

Guess I won't be seeing my money for a while, images of hostcharge keep coming to my mind.

Originally posted by ant0
Mid way through this thread, I took the decision to close my PaySystems account and move my CC transactions elsewhere. I'm glad I did :eek:

Well I started using a merchant account months ago but I have(had) 1100 or so customers on Paysystems that I didn't WANT to bother moving or messing with, but I guess that's not my choice anymore to make, I have to get my money I can't just have people arbitrarily decide they're going to hold on to my money until I fill out MORE forms.

I'm REALLY tempted to have my lawyer look into this because they're holding my money until I fill out these new papers, what if I don't WANT to fill these damn papers out and just take my money and my processing elsewhere? Huh?

My understanding from Jacker's posts was that if you choose NOT to fill out the forms and "migrate" to the "new" system then nothing would happen.

Also, if you close your paysystems account, then wouldn't they be forced to pay you what is in your account? Seems perfect for a lawsuit if they choose to steal your money simply because you've closed your account... (or don't fill out some form.)

After all, THEY are the one's change the system from what you previously agreed to. They are bound by the contract you previously signed just as much as you are.

Originally posted by mrzippy
My understanding from Jacker's posts was that if you choose NOT to fill out the forms and "migrate" to the "new" system then nothing would happen.

Yes, nothing would happen...as in...they will quit processing your customer's credit cards. That's what will happen. According to the MCC and emails they sent Thursday night (after they were closed), they will quit processing cards for accounts that haven't migrated on July 5th. So if you're like me, sitting on hold waiting for them to answer, you have 22 minutes before your processing will stop, because conveniently their sales office doesn't know how to, or doesn't bother to, answer emails, and they don't work weekends, so the next 22 minutes is all I have to get this missing info crap straightened out.

Sweet and professional, aren't they?

Actually, Paysystems runs on EST which means they closed 1 hour 45 minutes ago (roughly) you must be uhm, Pacific time? Or is that Mountain? regardless, they're long closed for today.

Of course I've been a little off myself, I thought YESTERDAY was friday hahaha hence my rant about the 3 day weekend when MOST people are taking monday off not today.

Edit: I meant to add either way people like you and I who haven't gotten that damned paperwork and the new account crap successfully setup and ready to roll are screwed until at least Tuesday (the 6th).

Well my deposit looks to have been made this last Thursday on time at least and seems to include the last week's deposit as well.

Regardless, I've given strict instructions to my billing folks to intercept the invoices for any paysystems accounts coming due and get them into whoiscart and auth.net and cancel the paysystems billing, hate to waste the time but I'm not gonna be screwed with like this and just sit here and take it, and wait around with my thumb up my butt for the next time I'm asked to bend over and grab my ankles.

Originally posted by Dixiesys
.... the next time I'm asked to bend over and grab my ankles. You'll be able to touch the floor soon!

:)

Be sure to make noise, they had to listen last time WHT spoke out.

Originally posted by creative7
Be sure to make noise, they had to listen last time WHT spoke out.

I really don't like making public posts of that nature but sometimes it just happens, I prefer to settle things and handle things one on one without involving the community at large.

I have been a merchant with PS for a year now and I am finally determined to switch to someone else. I cannot say enough bad things about PS. I don't get the impression that they are evil, like PayPal has a reputation for being, but they are certainly the most incompetent, most inept bunch of amateurs who ever asked you to entrust your money to. I think this is why they will never explain anything to you: they don't want you to realize that they don't know what they're doing.

This migration is a perfect example. They never made it clear that they were getting out of the 3rd-party business and setting their clients up with some sort of merchant account of their own. They just tried to gloss over it as "improvements". Consequently, I had no idea what to expect.

The very first thing PS did under this new system was debit my bank account $25 for an unauthorized and unwarranted "monthly fee", even though they had promised that fees would remain the same. Previously, PS had regularly deposited funds into my bank, but they never debited it. Imagine my surprise when I discovered someone was withdrawing money from my bank account! I had to call PS to find out who it was! I got the impression that even they hadn't expected it.

It would take too long to describe in detail my grounds for dissatisfaction with PS. Suffice it to say that I'm taking my business elsewhere. Anyone got any suggestions?

Originally posted by Spridel
I don't get the impression that they are evil, like PayPal has a reputation for being

I have no complaints about Paypal of any sort. None whatsoever. I've used Paypal since they were pretty new and I've never had any real issue with them and none that I'd come to a forum to complain about (that I can remember).

Originally posted by Spridel
Suffice it to say that I'm taking my business elsewhere. Anyone got any suggestions?
www.cdgcommerce.com have an excellent reputation on these boards. Email them and ask them some questions...

:)

This fiasco is the end of my business with paysystems as well. I'll be moving onto better things with worldpay, and sticking with paypal. Who dispite their bad (with some) rep have always been great for me.

We have been using Paysystems since March, and thursday it stopped working, paysystems told us it was a temporary problem and would be resored on the weekend. Last night we get an email from them terminating our agreemen!! We are based in Canada and it seems that they could not get the Canadian customers over to the new system in time, so instead of keeping us informed they just terminated WITHOUT notice.

Has anyone else had this problem? To me it appears they have breached their own terms.

You may want to read the big post here on the forums... unfortunately this problem with PaySystems is affecting a substantial portion of their merchants, not just Canadian. :(

We have been using Paysystems since March, and thursday it stopped working, paysystems told us it was a temporary problem and would be resored on the weekend. Last night we get an email from them terminating our agreemen!! We are based in Canada and it seems that they could not get the Canadian customers over to the new system in time, so instead of keeping us informed they just terminated WITHOUT notice.

Has anyone else had this problem? To me it appears they have breached their own terms.

Checkout: http://www.webhostingtalk.com/showthread.php?s=&threadid=307107

Setup a 2CO account ASAP, or a local Payment processor.

Originally posted by Captain Biggles
We have been using Paysystems since March, and thursday it stopped working, paysystems told us it was a temporary problem and would be resored on the weekend. Last night we get an email from them terminating our agreemen!! We are based in Canada and it seems that they could not get the Canadian customers over to the new system in time, so instead of keeping us informed they just terminated WITHOUT notice.

Has anyone else had this problem? To me it appears they have breached their own terms.


And you know what's so funny? It's a Canadian company and they can't even keep their Canadian clients processing.

Ironic, but true.

In fact, even with their direct merchant program that they were trying to set everyone up on, they weren't going to be able to underwrite Canadian merchants.

Well now that PaySystems has screwed me and caused my customers frustration by having their accounts suspended for non payment I have obviously decided to go elsewhere.

I just spoke with PsiGate and they have been flooded with calls. Even so the wait time on their 800 number was less than 30 seconds. (Could PaySystems ever do that?)

PsiGate has offered to waive the setup fee and seem to be very competitive price wise.

Now lets just hope PaySystems coughs up the cash they owe us. I would suggest to anyone that is considering using PaySystems to think about what they have done to hundreds/thousands of customers without notice. It could happen to you too. They haven't shown they can be reliable and trustworthy.

It sounds like PSI-Gate and Internet-Secure are doing their best t help folks out. Others are following suit. I think that in the next 24 hours, there are going to be a number of streamlined options in place to help affected merchants.

And that is a good thing, indeed!

cdgcommerce:

I'm curious... where in "Tidewater, Virginia" are you located?

PaySystems has caused immense loss to all its customers by terminating its agreement. They have also held up all the money (hold money) and there seem to be no timeline when they will release the same.

Is this fraud?

Abhishek

Does PSI-Gate process for international merchants?