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  1. #26

    omg

    Hi I havent even got a website or acompany and i looked today and found that £50 has ben taken out of my bank any idea's

    Kiles

  2. #27
    Hate to break it to you but your at fault here not multicards. Im unsure how multicards operates but i know our support who handled the technical issues were trained in just that, technical issues and resolving technical problems. none were ever trained in merchant processing, what is high risk, what is low risk etc. The fact the the 2 sites are extremely similar leads me to believe that you did this so you could process under the low risk website.

    Now, with that said... There are plenty oh high risk processors who will gladly accept pharmacy merchants. Why did you now sing up from one of them?
    strip poker anyone?

  3. #28

    :(

    I Never even heard of this company before i looked at my bank statement i only ever use paypal for everything so i dont know how they got my bank details.

  4. #29

  5. #30

    well

    well i didnt buy Viagra you know!! im a women i dont think i need that!

  6. #31
    Join Date
    Dec 2007
    Location
    Montreal
    Posts
    124
    If I understand correctly, it looks like someone may have used your banking information to buy a product from Multicards' merchant. I would call Multicards and inform them and I would contact bank as well so they can further investigate and advise you accordingly.

    Is that charge on your bank account or credit card account?
    ACS in Motion Inc.
    Project Development and Risk Management
    www.PaymentGuide.Org | www.ACSinMotion.com
    Tel: (514) 739-6444 Toll Free: (877) 730-6444

  7. #32
    Whats the emotion code for the man who bangs his head against a wall?

  8. #33
    Multicards is a good company. They pay me on time , but you have to observe their rules. I have used Multicards.com for more than 2 years.

  9. #34
    Join Date
    May 2008
    Location
    USA
    Posts
    46

    multicards not for high risk!!!

    Quote Originally Posted by Zjivago View Post
    Now they have closed our account so we cant log in[FONT='Calibri','sans-serif'][/FONT] [FONT='Calibri','sans-serif']
    [/FONT]

    [FONT='Calibri','sans-serif']Believe me we tried to talk to them nicely but this people does not understand that kind of talk, we had the same problem with another processor a few years back. Their way of working was identical to Multicards and our law firm asys that we should not wait for this to go on. From this company we recieved every penny of the holdback and a 30% scam fine which ended up in at least 200,000 USD
    [/FONT]

    [FONT='Calibri','sans-serif']
    [/FONT]

    [FONT='Calibri','sans-serif']Now Multicards will be trated the same way
    [/FONT]

    [FONT='Calibri','sans-serif']
    [/FONT]

    [FONT='Calibri','sans-serif']The demand letter is on the way and if you have any problems with processors not paying out, please contact this law firm. They will get your money
    [/FONT]


    [FONT='Calibri','sans-serif'][/FONT]
    [FONT='Calibri','sans-serif']
    [/FONT]

    [FONT='Arial','sans-serif']Nadja Vietz | Harris Moure pllc[/FONT][FONT='Arial','sans-serif']
    720 Olive Way, Suite 1000 | Seattle, WA 98101
    (206) 224-5657 |Fax: (206) 224-5659
    www.harrismoure.com | www.chinalawblog.com [/FONT]

    [FONT='Calibri','sans-serif'] [/FONT]
    Zjivago Multicards is a mess and they are not good when it comes to pharmacy processing, tobacco, adult, software, etc you must be aware that multicards.com is for mainstream low risk business, If you need a god high risk account for your business let us know.
    ++ High Risk Merchant Account Services, Industry Consultant
    for advice send me a private message.

  10. #35
    I dont now why you people from Multicards keep on posting about cases that has nothing to do with our business. The link you provided is about some guys selling hard drugs as Valium and other similar drugs sent from Bulgaria, Thailand and South Africa to the US market.

    They never sold anything in Scandinavia but was prosecuted there because they lived there.

    Btw, we are about to settle with Multicards thanks to the dutch law firm. We are dissapointed that it had to go that way but thats the way it is

    Hopefully this thread will dissapear after that

  11. #36
    Join Date
    Oct 2007
    Location
    South Africa
    Posts
    255
    Hi,
    For any suspended account payment processor always keep the last few transactions back for at least 6 month as charge backs can happen up to 6 months. So from that point of view I agree with Multi Card.

    Although they should have verified your products and you should have specifically asked the question about your products as everybody knows that prescription drugs are not allowed by many payment processors.

    I would blame both parties but a company cannot inform a client about each and every usage policy.

  12. #37

    Beware of Multicards

    The internet is full of warnings and horror stories about this company. I can add my own to. After using Multicards for over a year, I stopped using them due to their high hidden fees and policy regarding chargebacks. Multicards has been keeping a rolling 6-months reserve, meaning that 20% of the value of all payments processed is kept for 6 months for security reasons; since the reserve period is 6 months, the total amount held back by Multicards on any given day is 120% of the average monthly payment volume. Now, after I stopped using their services, they should have released the rollover reserve gradually (monthly) until after 6 months all has been returned to me (according to their Terms). However, now after 1 1/2 years, Multicards has still not returned the reserve. Every request is simply answered "We have forwarded your request...". After reading the stories that others encountered with Multicards, it seems to me that this company is actively committing fraud. I wish I had known....

  13. #38
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490

    Multicards

    Multicards have been in the business for a long time and things will happen with the banks the processors are working with.

    It could be one bad merchant that ruins the relationship with the bank and the bank holds all the money while the processor is getting all the blame and people screaming "scam".

    I dont have all the data in this very case and I am speaking generally. Sometimes there are reasons why a processor cant pay out the reserve, or other funds, but are getting caught in the middle between the merchant and the bank.

    The processor does not hold the rolling reserve. The bank does.
    *
    Failsafe Payments - New Website & New Products Launched

    CertoConnect (Alternative Payments) - Free Until July 2012

  14. #39
    You say "I dont have all the data in this very case" but actually you don't even understand how Multicards works. Multicards is not a regular processor. Instead, they do it like this: they purchase the merchandise from the seller and then resell it to the buyer. This all happens instantly and it appears to both the seller and the buyer at first glance like a regular processor. However, the buyer will find "Multicards" listed on their credit card statement, leading to many chargebacks as the buyer doesn't recognize "Multicards" as the seller. Multicards is in fact the entity that holds the rollover reserve of the seller. So, dear "Failsafe Payments", consider acquiring knowledge before posting.

  15. #40
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490
    I would like to say the same to you. Get the facts straight before saying things that are not true.

    I know very well how Multicards works which is very close to a regular IPSP model.

    Both models have the payment processor as the merchant on record.

    This is basically like a merchant account issued by the bank for the processor to place merchants with. Its explained very simplified as there is more to it.

    However as with any merchant account a rolling reserve is issued by the bank and held by the bank and NOT the processor unless the processor actually holds more than the bank holds.

    Some banks have 5%as rolling reserve whereas most require a 10% rolling reserve which is basically standard.

    The bank holds this money. Not the payment processor.

    Its quite obvious is it not? That the bank holds the money to protect from potential loss if the payment processor would blow up since the payment processor is the merchant on record.

  16. #41
    Yes, it's called IPSP. However, this is not the point. My complaint was about the rollover reserve which is not being released by Multicards in clear contradiction to their terms which are prominently displayed on their website. It is besides the point to argue that a bank may be holding a reserve to protect them of potential default of Multicards. I entered into a binding contract with Multicards (not with their bank or any other entity or supplier of Multicards). My contract with Multicards included the terms of payouts and terms of the rollover reserve. This contract has been gravely violated by Multicards. Again, the terms of this contract are displayed on the Multicards website.

  17. #42
    Join Date
    Mar 2006
    Location
    Europe
    Posts
    490

    Multicards

    I am sure you know best yourself what you have in the contract and not. Sometimes there are a clause that says "if the bank does not pay us we cant pay you".

    My point being is that Multicards most probably does not hold any rolling reserve. The bank does.

    Good luck with your situation and getting it resolved.
    *
    Failsafe Payments - New Website & New Products Launched

    CertoConnect (Alternative Payments) - Free Until July 2012

  18. #43
    Join Date
    Jan 2011
    Location
    India
    Posts
    1,453
    its really a very bad experience with you. your this review will guide us to stay away from this company.

  19. #44

    Hello? Hello? HELLO!!!

    I stumbled across this thread which is obviously not helping Multicards. It so happens a friend was involved at the grass roots level.

    It is clearly absurd to blame Multicards for failing to support your illegal business. Doh. I understand they did everything possible to protect both their and customers money and data.

    It couldn't have been made much clearer what the deal was. If you didn't "get it" then I'm sorry but everyone else did.

    You seem to have overlooked one crucial thing - at the time Multicards were the only game in town. Without them there would have been NO BUSINESS. To the very best of my knowledge all the Multicards clients got what they were owed.

    Compare this to the only other company who might have been playing in the same game. I won't name them - let's just call them 3CashTill. At the slightest level of trouble they lifted their skirts and ran home to mummy - where they took on all of their customers, one at a time, in order to avoid shelling out 100% of what was owed. I know somebody who is still pretty pissed off about this - not least because 3CashTill hosted their own vendor market in which you could buy whatever you wanted as it was freely advertised.

    I think what was amazing about the whole business was how effective it proved to be in "chasing the money".

  20. #45

    IQs tumble - Read All about it - Extra, Extra

    What is it about you guys? Or was this just a time when IQs fell by 20% for the month? "Gravely Violated?" Are you serious? What on earth will you say when/if something bad happens? A couple of months ago I met a man who had been present in Kenya and had seen and done terrible things. That's "Grave". People were "Violated."

    And you are wittering on about "binding contracts". Heavens above. Do you find this kind of dispute happening in other ares of your life?

    Imagine Mr MultiCard has $100 and he has to chose between you and some other guy? Assuming the other guy is at least capable
    of breathing without assistance it's pretty obvious whose getting the $100. Or maybe it's pretty obvious who isn't getting it. Sometimes in business I've known people to gain a great deal of satisfaction when at a distance of 3,000 miles they enjoy just spoiling your day.

    My final words are that they must have done something right since years later I'm posting in this in their defense.

    My work here is done. If anybody American ever reads this can I thank you for BattleStar Galactica and Firefly? (let's face it - you did every thing possible to stuff FireFly up. Broadcasting the start in the middle was a stroke of genius.)

    And urge you to watch "The Thick of it"? It's like "House of Cards" on speed, turned up to 11. There are three seasons to catch - it's a BBC program. It deploys every profanity except one. It's odd - why is it OK for a BBC program to use the C*** word?

    And just in case there be any doubt in the meaning of the word "Layer Cake" contains some moderate violation in the middle when an urn of hot tea is overturned on Robbie Coltrane... It's a great film - it's also a warning to an alternate reality that may be uncomfortable for avid readers. I'm the last man standing of an original group of four - two dead, one banged up.


    Quote Originally Posted by corporateacc View Post
    Yes, it's called IPSP. However, this is not the point. My complaint was about the rollover reserve which is not being released by Multicards in clear contradiction to their terms which are prominently displayed on their website. It is besides the point to argue that a bank may be holding a reserve to protect them of potential default of Multicards. I entered into a binding contract with Multicards (not with their bank or any other entity or supplier of Multicards). My contract with Multicards included the terms of payouts and terms of the rollover reserve. This contract has been gravely violated by Multicards. Again, the terms of this contract are displayed on the Multicards website.

  21. #46

    Multicards is really super scammers. Not on person, it is scamming organization

    I am free to search these keywords and look for some same person, who met this problem likes me.

    Our account got the suspended at end of Oct, 2019. They said due to breach of our Terms & Conditions, providing access to illegal services..

    I dont know what what are they talking about .... When i registered and signed contract with multicards, we wrote clearly , we're reseller of filesharing products (we have more than 65+ filesharing / cyberlocker brands on my network).

    About my business : We are reseller, we will connect and request reseller cooperation to resell digital code and upgrade to Premium for user account. So in this case? Which one is providing access? We only sell digital code, if providing access, that is filesharing service.... Because in free account, users are able to download files but it is slow with 1 concurrent connection.

    What is benefits from Premium? Unlimited concurrent connection, guranteed download speed, and unlmited storage.... to get Premium status, there is 2 way, buy premium directly from them or through reseller by Premiumkey. both of ways, you have to have account at that service (ACCESS)

    So, i do not provide any thing called "ACCESS" on our service. They said:

    Your account has been terminated due to breach of our Terms & Conditions, providing access to illegal services.

    Therefore, the settlement of your account will be on hold until MultiCards is fully indemnified from losses, claims, damages, liabilities and expenses, including attorneys’ fees and costs (whether or not an attorney is an employee of MULTICARDS or it`s ACQUIRER) arising out of any fees and fines levied against MULTICARDS as the result of the MERCHANT exceeding one or more ASSOCIATION thresholds or standards. If any such fee or fine is imposed on MULTICARDS as a result of the activities of MERCHANT, such fee or fine will be assessed to the MERCHANT.
    This report they sent to me, it is from a folder link of animal porn link. Back to this case, who uploaded those files? that is user, in term of service, almost filesharing service are having this conditions : https://prnt.sc/unr1kn "Customer agrees to maintain its data in compliance with its legal obligations".

    Our company was in industry more than 7+ years, we never meet these problems, because if content owner or some copyright company, who have a file, they will fill to abuse sections instead of sending notification to PSPs. Why i say that, because at that time, our company got reports from a kid, who is the owner of content , which was stolen by some one. He sent complaints to all payment gateway to shutdown our payment gateway list on our website and another reseller websites? Why he did that actions? 1 reason, he is a kid, he had a stolen content in his hands, but he cant register intellectual property rights for his contents. As i remember he live in Norway, and he talk Russian.

    That is my story. And the another real story is they did not pay to me until now, no letter, no paper, no fax to warn about my case, only through email "Your account has been terminated" on 28 days later, and they kept silent very professional.

    They did not provide me their investigation, i dont know what did they do while everything they require me to sign and send back physical contract to their office, and they have to send back me a letter about their investigation and final decesion about my account for fine fee. The last email, i sent from may : https://prnt.sc/unrunj and sent many enquiries to their website through contact form.

    P/s : We do not know that files are reuploaded by that kid or not. Because he is a kid, a bad kid Until now, 11 months passed, and i have long terms cooperation with that service as well. That kid give up his idot action.

    About lossing : They charge me $1000 for chargeback hold , then charge is 12000 for active balance, and charge more 6 months with rolling reverse. All of them are higher 16.000 USD.
    Premium Reliable Reseller - Takevoucher.com
    Keep2share Paypal
    | Rapidgator Paypal

  22. #47
    Another problem, at many previous months, an old man without knowledge used our service to buy digital code, then dont know how to use and we show instruction, he disagreed to read and we ask his account to help him, and him disagreed too. So we asked him to contact to service support to get help. Then them contacted to Multicard, and multicard follow instruction and used his digital code ..... WHAT? user buy or that guy buy (i remember his name is Michel), after that he asked me to send to the old man new code??? WHAT ??? Please think, if you sell microsoft license for windows, then PSP support activate on his computer and say, we have to make a test, if you dont send new code to your buyer by our mistake, we will refund this payment. How do you feel?
    In this case, when premium key is activated, profit will transfer to affiliate user through filesharing system, so no filesharing owner wannas provide refund. So we lost that fee to generate new code by their mistake. I hope multicards here to verify these information
    Premium Reliable Reseller - Takevoucher.com
    Keep2share Paypal
    | Rapidgator Paypal

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