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Billback & Enhanced Billback…Buyer Beware

    Amad Ebrahimi
  • Updated on:
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Amad Ebrahimi
Amad has worked in the eCommerce and online marketing world since 2002. He started as an eBay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same. He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses. He's the man behind most of the merchant account reviews, and articles posted on Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
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    Hi, I work for a small ISO/MSP company in canada that used First Data processing. At first I thought I was working for a legit company. Then I researched it and I see that most of the shady ISOs are dealing with First Data. Now by no means am I saying that my company is one of the shady ones because so far so good. But now I have signed up big accounts with clients that have followed me in sales over the years. I am scared that I have set them up with the devil. How do I find out if my company is predatory or an honest company?


      I was just looking into (quiq) for my small business. I like the idea of a virtual terminal so I can run payments anywhere. But the reviews for them are pretty bad. I did talk to a rep and he said my account is ERR, 1% flat for qualified cards, 3% for non-qualified, plus a 25 cent fee on all transactions, and a monthly $7.95 cust. service/statement fee. Also I have to charge a min. of $2500 a month to avoid the $25 discount fee. Does this sound good? It’s all very confusing and I wonder how we are supposed to choose a reputable, fair, merchant in this online age. Do you recommend certain companies? thanks in advance

        Chloe Bahal

        Hi Rebekah,

        It sounds like your pricing is tiered, which we recommend staying away from. Interchange-plus is the ideal pricing structure since it is the most transparent. I would recommend taking a look at any of our top rated processors. I hope this helps but if you need more guidance, you can contact me here.

          Gwen H.

          I feel so vulnerable after reading the comments of others. I personally created my own webstore via I didn’t know they only worked with Stripe, Moolah, Paypal, and Wirecard. I went straight into First Data after a friend recommended them because he use them with his company and happy with it. I haven’t made my first sale yet because I cannot get First Data accepted onto Wix. I feel I am working very backards right now and should start over with a different web host. I was liking First Data until reading these stories and now I’m scared to death!!!! My shop is small and very new. Please advise.

            Amad Ebrahimi


            If FD has you under contract with an early termination fee, then you’re kind of stuck with them. Unfortunately you’ll have to switch your webstore to another platform that can integrate with FD. In regards to negative comments about FD, they’re a very large company there they’re bound to have a lot of negative reviews. We think they’re a 4-star provider which is not bad by any means.


              Sandra Hope

              Who do you recommend for account audits?

                Sandra Hope


                Who do you suggest that I hire to audit my merchant account. I was on a rolling reserve for six years with Calpian Commerce and my calculations tell me that they stole from 380,000.00 to 500,000.00. Any suggestions?

                  Amad Ebrahimi

                  Hi Sandra,

                  I can actually provide the audit for you. I’ll send you an email to discuss.


                    walter hodgdon

                    so how can we take down wells fargo merchant services. I am leaving this “not so up front company”. so far to cancel , has cost me over $1000.00 for First Data and Wells Fargo is charging me $500.00. since feb 2014 to march 2015 i have been robbed by them to the sum of &6500.00 over the regular fees. these were all BB, IC the worst thing right now is just trying to get the rep to call me or his boss. I will use what ever social media i can get my fingers on to reveal this company, as the fraud they are. thanks for listening


                      Thanks for this great information. I was just approached by Prestige Payment Systems by a cold call. Their rates seem great up front (1% discount fee and 5 cents per transaction) but after seeing there $107.00 a year lease I backed away. They called me back and tried to convince me that has I have been on a 3 year agreement already what’s the difference. I said no way am I doing a non-cancellable lease and hung up. Two minutes later they called back and said what if we do away with the 4 year lease agreement? Still got a bad feeling about this company and said no again. After further looking at the contract information Discount Page they sent me I noticed that the stated Pricing Plan said: Discount w/Enhanced Billback. Wasn’t sure what that meant. Now I do. Thanks again. You just confirmed my suspicion that this company would have been a bad idea.

                        David Glover

                        I just got my account approved through Wells Fargo Merchant Services. I am a baby with this process, but my eyes is open now, thanks. What can I do to protect myself from these tactics

                          Bill Hoidas

                          Thanks for posting! I’ve been deciphering these types of statements for years. You might also mention someday about the daily discount trick which makes the monthly statement fees look much cheaper than they really are.

                            Amad E.

                            Thanks Bill. We’re working on a monthly vs daily discount article as well. I’ll let you know when it’s posted.

                            Take care!

                              Bill Hoidas

                              Great! Besides making the statement hard to decipher daily discounts should only be used for risky merchants. Merchants should be on monthly discount so they get their full batch amount every day.

                                Amad E.

                                Very true!

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