To make a long story short, I had a merchant credit card processing account setup through the original creditor, Cardservice International, approximately 4 years ago. During that time I only made a few charges using the account. They were large charges and totaled just over ,000 altogether. These charges were never deposited into my bank account and I was contacted by a man working with their fraud management department. He wanted me to send out products before receiving the funds so I did not agree and I stopped using the merchant account. I also contacted my bank to block their access to my checking account.

Now they have hired the collection agency Allen & Associates on their behalf to collect the ,000 that they never gave me in the first place! I’ve obtained former bank statements from Wachovia and spoken to a branch manager. I attempted to send this information to Allen & Associates, but the agent on the phone refused to provide me with a fax number where I could send documents to dispute this debt and told me that I should just get an attorney because they will sue me. They did "claim" that a representative from Wachovia will be present to testify that the deposits were made so tomorrow I plan to bring the list of supposed deposits into a branch to get a certified letter from a branch manager stating that they were not. This invalid debt for ,000 is also on my credit report as of right now. I’ve disputed it and it was removed at one point, but it appears that A&A has reported it again.

I need to legal advice on how to proceed. I’ve tried to dispute the debt, but obviously they will not allow me to even show them the documentation I have to support my claims. If I do file a suit against them do I file against the CA or the original creditor?

Technorati Tags: amp, bank statements, checking account, credit card processing, credit report, creditor, fax number, fraud management, legal advice, management department, merchant account, merchant credit card, merchant credit card processing, wachovia

About 2 years ago I opened up a merchant account with a credit card processing company called Card Service International so I could charge credit cards for my ebay sales instead of using Paypal. Well the first week of sales totaled about ,200 or so. A few days after charging the cards I still saw no sign of the money in my bank account. Then a few days later I saw a DEBIT for ,200 on my account from CSI (card service international). I called them about they explained that since my accoutn was new a red flag was triggered in their system and they were going to have their fraud dept review my account and until the review was complete they would have to chargeback all my recent orders. I explained to the man on the phone SEVERAL TIMES that they have never DEPOSITED the money from the orders into my account int he first place so they didn’t need to DEBIT my account because they never gave me the money to begin with that I had earned from the sales. Apparenly he didn’t care….
I researched the company and found several other complaints similar to mine that and that many class action lawsuits had been filed against CSI b/c they had a history of fraud. I quickly blocked all access to my bank account by this company and filed a chargeback to get my 00 back.

So this morning (2 years later) I wake up and find that I have some new info on my credit report. CSI is claiming that I have debts owed to them amounting ,500! I cannot imagine that the amount of money I owe them could possibly even be anywhere NEAR this amount. My merchant fees per month were only a minimum processing fee and a statement fee. How could I POSSIBLY owe them over 16 grand?

Now is it just me, or can they legally do that? There is just NO way I could owe them that much money. I don’t know what to do. Should I consult an attorney?

Technorati Tags: amount of money, card service international, class action lawsuits, credit card processing, credit cards, credit report, csi, debts, ebay, ebay sales, few days, fraud, merchant account, merchant fees, much money, processing company, red flag, several times

Is there a way in our PayPal account to be able to see if someone has paid us with a Visa, or Mastercard, or PayPal account? We receive notices of payments, but we don’t know if the customer specifically paid with a credit card or PayPal. Just want to know if PayPal is prevalent….thanks!
Thanks to the answer I received, but I wanted to know how I could find out if it was through a credit card or a cheque as compared to just PayPal….the question is mostly ‘how’ can I tell, not ‘if’ I can tell. Where in our PayPal merchant account will I be able to find that information. Thank you, though!

Technorati Tags: cheque, credit card, merchant account, paypal account, visa

Does it work like a normal credit card machine that’s plugged into the wall? Will it work with my merchant account?

Technorati Tags: credit card machine, merchant account

I just recently opened a small clothing boutique. I only except cash right now because I am still shopping for a good low cost merchant account. I’ve tried a couple of banks but there all to expensive. Am I going to lose a lot of money doing this?
Thank you, I’ll see how it goes for awhile. It it seems like I am loosing a lot of customers due to this then I’ll get one immediately.

Technorati Tags: banks, clothing boutique, merchant account, money

At the time, I signed up a merchant account, the sales person ask me to say yes to the phone call that she made in the middle of signing up a merchant account. A trick that is normally used by some dirty players.

I noticed a month later that I end up signing a lease for 36 months with Ladco Leasing company, and that can not be cancelled. I have to give the lease payments for 27 month more that is the period left on lease.

A machine that was less that 0 is going to cost me 00.00 or more. I have been ripped off badly by a merchant account sales women.

Please help me, I have been killed by this lease.
Thanks in advance for your advise

Technorati Tags: lease payments, leasing company, merchant account, phone call, sales person, thanks in advance

One answer I got was OK the going to the media center to look up grants but I thought grants applied to services for the govt and or research? someone said in one answer 1,500 was too high to start a errand service? it’s 45 to get a city Lisc. and proper car insurance etc, it’s about 1,500 bucks . one said get a pizza job or waiter job HELLO ? sorry but I’ve already looked in those areas I’m either too old or whatever? they already hired college students for waiting jobs as we approach summer soon and pizzerias um GAS costs? whereas in the errand services I can build in costs that include covering for the fuel,of course now that I think of it ,this will probably take ALL of the 1,500 as I have to set up a merchant account for easy transactions. any more ideas on how to raise capital as in getting the dough to start the business? 1,500 isn’t alot of money, paying it back by mid summer or sooner! will be achieved my business will take off real quick I’ve looked into this Biz .

Technorati Tags: alot of money, car insurance, college students, errand service, errand services, grants, insurance, jobs, lisc, media center, merchant account, mid summer, pizza job, pizzerias, waiter job

- I am planning to sell an online resume writing service and would like to accept payments online, how should I open a merchant account to accept online payments including paypal.
- how can I make the service most convenient?
- what’s the best web hosting service and why? any rating? I like mocahost.com but I am still not sure.

Thanks!

Technorati Tags: best web, merchant account, online resume, resume writing service, web hosting service

I created a website in my Dreamweaver program. I have a host, domain, and the design. What I need help with is putting a shopping cart on the site. I really don’t want to use PayPal. I plan on getting a merchant account with a credit card processing company as well as a business bank account. A credit card processing company I am looking at offers free software (gateway software), and I’m not sure how this works with my site. Is there anybody here that has a website with a payment system on their site that can explain the process? Does the software give me some kind of code that will corrispond with my site. I’m not selling products. I’m selling ad space and a local directory. So when people want to advertise on my site, they’ll pay an ad fee. Kind of like classifieds. I want the customer to see their ad and the fee they’re being charged. I also created an order form and I would like to understand how I can incorporate a shopping cart w/ the form.
Can anyone help? Thanks.

Technorati Tags: ad space, business bank account, credit card processing, free software, gateway software, host domain, local directory, merchant account, processing company, shopping cart, software gateway

I need a web host that has an easy site builder that works with a MAC. AND it needs to a have a shopping cart and a merchant account for e-commerce

i did look at monster host.. anyone use that?

Technorati Tags: merchant account, monster, shopping cart, site builder, web host

Hello, is there a way to eliminate buyers from using credit cards on your paypal account when they send you money?

I wish to set up a 3rd party merchant account in it’s place to accept cc’s, and only accept paypal if it’s nonCC payment types to avoid chargeback situations. It’s proven Paypal won’t fight or investigate claims for their customers, and chargebacks could be costly. This is all about min. fraud risks.

So, is there a feature to disable the use of credit cards being used on paypal for a business account? If so, where can I find this?

Thanks

Technorati Tags: business account, chargebacks, fraud risks, merchant account, money, paypal account, using credit cards

I have a website, but I want to sell more products than what my website already has availabel. (Note: I host my website off of another website who takes care of shipping and handling). I don’t have a merchant account or a business paypal account (but I do have a paypal account), and I don’t know how to add a ‘Add To Cart" button. What is the best way to recieve payment from a customer? If I have to recieve checks what should I do in order to not get screwed?

Technorati Tags: checks, merchant account, paypal account

Here’s the deal:

I started my own business, which seemed to be pretty successful. I started accepting MoneyOrders/Checks first, while I looked and set up a merchant account. This was 3 weeks ago. In this pass week I have had 3 chargeback out of no where. From who, I have no idea and it sucks because the book is already shipped. My bank will not give me any information about it. (Bank of America).

It takes 3 weeks to ship product and it is noted before anyone even attempts to buy as well as on the mail order form.

No my account is on hold and I am negative 0. AUGH! How can this be?

Thus I need help. I will dig myself out of this hole. I just would like any advice. I now accept credit and debit from a company which does not allow chargebacks.

Also, does anyone know of any ways to find these scammy people? When purchasing from me they had to sign a contract first, which they broke and I have paper work on all my customers.

Technorati Tags: augh, bank of america, chargeback, checks, mail order, merchant account, own business

I want to start a business where people pay for items first that I don’t currently have yet and I use their money to buy the item and resell it to them for a profit???

I wanted to get a merchant account…But have a question…If some buys something with their credit card and it gets transfered to my bank account, Can I withdraw the money to purchase the items then ship it to them???

Or how can I do it???

***The reason I want to do it this way is because I don’t have the money to buy the items I just have the source…I have very little capital…HOW SHOULD I DO IT???***

Technorati Tags: bank account, credit card, merchant account, money

I was going to start doing business under my own name on ebay, I just open a merchant account and now I am trying to figure out if I need a business permit or license if I am doing business under my own name. The only thing I’m trying to figure out is what kind of tax ID # I need to file taxes? Also after I begin to make money off ebay, If I decide to buy a house, a car, ect. (if they require proof of income) how will I provide that to them if need?

Technorati Tags: business permit, doing business, ebay, merchant account, money, proof of income, tax id

Hi

I have a cracking business idea, I truly beleive it is would be very very profitable, and is something very unique, I have not seen anything like this before. I have spent a lot of time thinking about it, and have wrote out a business plan with all the details.
My only problem is funding, I have no money as it is, other than what I spend to survive and get by each day. What are my best options to achieving what I want to setup, I have no money to pay a website to find a entrepreneur for me.

I am from Scotland, and my idea would be a success in basically every country, US, UK, Australia, all of Europe etc, its not limited to one country.

Regarding funding, well the website would be first, one for each additional country, all the same setup though, then after that there would be advertising / marketing costs and a merchant account. Other than this though my idea does not involve staff costs, it could be easily run by me and someone else. Any ideas? Thanks

Technorati Tags: advertising marketing, australia, business idea, business plan, entrepreneur, europe, merchant account, money, scotland, staff costs

I am starting a service business that needs to charge the customers money over phone. How can I do that? Do I need to get a merchant account?
Can someone recommend a couple companies that offer the services I need?

Technorati Tags: customers money, merchant account, service business

I am going to start web based business in the next few weeks and I would like to do my own web design. I do not want it to be over the top, using flash, or anything too complicated, but at the same time I do not want it to look simplistic or like it was built using a template.

Eventually I will need to incorporate a database, but most definitely not at first. And I will be setting up a merchant account and will need some sort of shopping cart feature.

What program(s) would be best suited for building a site like this? (I will be working with a pretty skilled graphic artist, so I really just need something to build and maintain it)

Thanks in advance!

Technorati Tags: cart feature, merchant account, own web design, shopping cart, skilled graphic artist, thanks in advance, using flash, web based business

I am in the process of opening my companies website to the public but I need a Merchant Account in order to charge customers for there orders during check out. I am sure there are numerous Merchant Companies out there to choose from but I want to be sure I pick the right one for my company. I am not sure how many transactions I will have per month because the business if very new but over time the amount of transactions will increase over time. I know that some Merchant services charge you on an estimated amount of transactions per month, and if you do not reach that level you will be charge additional fees.

If someone could give me some helpful information on what Merchant Companies are better than others, who has good rates? no monthly fees? cheaper monthly fees? etc…

As much information on this topic would be appreciate, even if you can point me in the right direction I would be appreciated.

Thank you for your time

Technorati Tags: merchant account, merchant companies, merchant services, right direction

I’m starting an ecommerce site that will sell things from China and will be delivered in the provinces of China. My business registration is in California. So basically, no items or goods will come to CA, just the payment. For security reason and convenience, my merchant account and bank depository is in California. My market primarily are Chinese people in the US who will want to buy things for their family who are in China. With this situation, what are the taxes applicable to me in the state of California?

Technorati Tags: bank depository, business registration, convenience, merchant account, provinces of china, security reason, state of california

Need your help to start selling a few over stocked products on the Web ASAP. If you use Yahoo, Google, go-daddy or E-bay super store or any other services….. please give your feed back!!

We need resources, recommendations and advise on all the following!!

Domain…… which company and program?
Host….. Who and how much?
Website…. ….. Who and how much?
Shopping Cart….. Who and how much?
Merchant account….. Who and how much?
Shipping account….. Who and how much?

Basically we are looking for any info on how to start a real BASIC and CHEAPEST e-commerce business TODAY!!

Technorati Tags: business today, e bay, e commerce business, google, merchant account, program host, shipping, shopping cart, web asap, yahoo

Stating that they are an internet based company etc. and they want me to be a Manager for them in the US to develope US customers, it is working from home… the only thing that makes me wonder is he writes backs answers to my detailed questions, it’s not some generic based e-mail. But any work from home offer seems to good to be true. This is what he wrote last:
Thank you for your reply.
In this email I will explain you about this job offer.
Also I forward you our Instructions, FAQ and Agreement.
Use Adobe Acrobat Reader to view the above files. If you do not have
this software on your computer, please go to
http://www.adobe.com/products/acrobat/readstep2.html and download the
program for free.
Our company enters the american market now because almost all online
business are located in the USA. So we have to search managers in the
USA to create our subsidiaries.
Our Marketing Department has developed a perfect idea to boost sales.
The idea is to have more subsidiaries that would resell our items (for
example web-templates). The more subsidiaries we have the more things
we sell and our profit grows accordingly.
Your mission in the project is to create business tools (registering a
business, setting up business and merchant bank accounts) and it is
for these services that you will be paid.

World Creative Studio, Inc., Inc. creates a web-site (online store or
subsidiary another words) which will sell our products (webtemplates,
flash intro and web logos). The work of this web site is impossible
without a company and that’s why your first step will be the opening
of company (the company may be registered as a Corporation, LLC,
Sole Proprietorship or other business entity).
If you already have a company, it’s great and will make the start up
yet faster. Next you open bank business and merchant account and
Gateway on Authorize.net.
Your commission will be 10% from all the sales (you’ll earn about
00-5000 a month). Also all bank and merchant fees will be paid by
our company. You will get your 10% in any case not depending what fees
we will have. Your income will increase as the business progresses.
You will be responsible to pay taxes only on your 10% commission; the
rest taxable 90% is the responsibility of World Creative Studio, Inc., Inc.
You will need the W-2 form or 1099 for taxes. Find out
about it and you will see that you will be responsible only for your
10%.
Add here absolute transparence of all partnership activities and full
control in your hands.
If you are interested you need to do next:
You need to send the signed agreement, the copy of your
ID (it can be just DL) and copy of your any utility bill.
You can send all these documents or to this email either by fax
(708) 842-8482.
If you have any questions please ask me.

Best regards,
Kamil Kowalski
Hello Danielle,

How are you? Do you interest to our offer of job?
I hoped you will be the good manager.
If you refuse, write the cause of denial, please.

Best regards,
Kamil Kowalski

Technorati Tags: adobe acrobat reader, bank business, business entity, business tools, creative studio, e mail, example web, flash intro, internet based company, job offer, marketing department, merchant account, merchant bank accounts, merchant fees, registering a business, setting up business, sole proprietorship, web logos, web templates, working from home

I just recently established my business, obtaining all the required documentation and credentials to do legitimate business. I am just getting started so I have very limited capital (just over 00, but will spend some of them for my website I am getting graphically designed, and SEO friendly) to work with. My actual credit is bad after a huge mess a couple of years back with an X-fiance who took me for a ride : (

So I have begun the first stages of interaction with legitimate wholesale distributors to set-up retail accounts to sell their products. I am also working with some of them who agreed to dropship for me. I have marketing and sales plans and everything I can possibly think of to get my business going. But then it dawned on me today, with no credit, and having to find and institute a merchant credit account (which i hear is hard for home businesses), I have a problem that totally slipped my mind when setting up my business plan. First problem is finding a merchant account. My second big problem is if I do they only deposit once a week. How can I expect my customers to wait a week for my merchant account to deposit their funds in my bank account before I can order their product, and then they have to wait the time it takes my manufacturers/ distributors to ship them the product. We’re talking 2 weeks there. They would just find another seller. Then I thought maybe I can see if merchant accounts can split the payment, net profit to me and cost to distributor. But what if there is a chargeback so I knew that would not work. Maybe I could have the distributor take the payments and they deposit the net sales into my bank account. For one thing why would they go through so much trouble for a new retailer, that would look pretty bad on me to even ask as they would have to incure the CC companies charges on my sales which would be out of the question. Not to mention chargebacks. It would not work for me. It would seem a simple enough thought to say why not just pay for it out of my own capital in my bank account as I would get the money plus net sales deposited within a week from merchant account (my first thought when this all dawned on me). Then I realized that the demand of too many products at once (which could easily happen in one day) could end up exceeding my current capital in my bank account and then I end up screwed looking bad on both sides. Paypal holds your money for 21 days to make sure there are no chargebacks so that would not work. No distributor would even think of extending a line of credit this early in business.

Does anyone have any idea first to the thought of getting a merchant account, and secondly to the dilemma in accepting the payment and paying distributor for shipment of goods?

Sorry I wrote a book, and thank you for any and all feedback.

Technorati Tags: business plan, chargeback, credentials, fiance, home businesses, interaction, legitimate business, marketing, merchant account, merchant accounts, merchant credit account, net profit, net sales, retail accounts, wholesale, wholesale distributors

i am starting my own online business, and i need to accept credit cards can i use paypal’s Website Payments Pro without a merchant account, if i need a merchant account hoe do i get one

Technorati Tags: credit cards, merchant account

I’m looking to set up a merchant account with a good, reliable, inexpensive company. Any suggestions? (Please, only people with first-hand experience). I’m currently looking at merchantexpress.com. Does anybody have any experience with them? Thanks.

Technorati Tags: hand experience, merchant account