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2Checkout Review

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2Checkout Review

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Date Established
2000
Location
Columbus, OH
Rose Holman

Rose Holman

Writer
Rose Holman is a writer, blogger, and educator from Portland, OR with an MA in Teaching from Western Oregon University. She enjoys educating SMB owners about the complicated (and notoriously sketchy) world of payment processing. Since starting at Merchant Maverick in 2016, she has also added eCommerce software to her areas of expertise.
Rose Holman



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40 Comments

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    visitantdotcom

    The worst customer service !The application process is so tiring and dealing with them is so painful.Just stay away from them.

    1
      Emil

      Horrible support!In February we contacted them asking to update our homepage URL and some additional info so that we are compliant with their rules. These updates can be done only by them. They did a partial update but never completed the request. We sent a couple of additional requests in June and all of them went unanswered. Now they blocked our funds and sent a notice AFTER the fact. It means they didn’t even give us time to respond. This seems like a regular practice at this company. They don’t care about their customers (merchants).Unless they fix these practices and poor support I recommend to stay away from them.

      1
        Sameer Panjwani

        Organization Name: Directory Maximizer

        The payments would not redirect back to my site after an upgrade they made. I had to raise a technical issue, which they took many weeks to resolve.The statement descriptor did not show on one my customer’s card statements and so he placed a dispute for 59 orders that he placed with us. On realising the mistake, he quickly contacted the card company to revert. However, 2Checkout found it prudent to charge $1475 in chargeback fees ($25 for each chargeback on transactions that were $30 each). They’ve been unrelenting in my quest to get them to revert those ridiculous fees. This has led to a huge unexpected loss for us. They’ve literally taken away all the earnings we made from the customer and pocketed them under the guise of chargeback fees even though the customer also clarified that it was a mistake on their end.

        1
        • Organization Name: Directory Maximizer

        This comment refers to an earlier version of this review and may be outdated.

        Michael Elias

        Organization Name: GIRO

        This company are thieves with the worst customer support ever , they suddenly blocked my money transfers not answering any of my emails , and they stole our money , AVOID

        1
        • Organization Name: GIRO

        This comment refers to an earlier version of this review and may be outdated.

        Ricky Vogue

        Seems good. But found a very mixed review. So, I have to thoroughly check their site and if feels good then I must contact them for my new business setup.

        3

          This comment refers to an earlier version of this review and may be outdated.

          Andrew

          Organization Name: Mars Software

          Don’t even think about using this crappy company. They stole my $260. Total garbage, scammers and brainf**kers. I was their client for about 15 years and finally these idiots asked me to send scans of my ID and other documents. I refused (anyway was tired with such ugly service, slow payouts, useless antifraud where you pay for chargebacks). Asked them to close my account. They wrote I have to wait 180 days to release “chargeback fund release”. Ok. It’s just $260. No problem. I will wait. About two months ago these 180 days passed and I still cannot get my money back. First of all the bank account I have as payout method was closed years ago and I’m the citizen of another country. There is no way to change name of the owner of the account and this name will apply for bank account automatically (I don’t have bank account on my name they can accept so I need to change it). No way to remove non-existent payoneer card from their system. I don’t have that bluesnap payoneer card for about 10 years but have another and they cannot use it. So I cannot get my money back. Now they ask me to send photo of my ID and proof of the company/residence. Idiots. DO NOT MAKE ANY BUSINESS WITH THEM!BTW switched to Stripe and I’m damn happy. Payouts every 2 days, you can modify everything, no brainf**king.

          1
          • Organization Name: Mars Software

          This comment refers to an earlier version of this review and may be outdated.

          Anand

          Organization Name: Webji Hosting Pvt. Ltd.

          I have informed their team that securehostbilling.com is our official billing system and they approved it from compliance desk. But still their risk team suspended our account.This company 2checkout even don’t have any form of proper internal team coordination. Now when all details are shared their risk team is enjoying our account suspension. Their staff reads but they dont bother themselves to act based on the situation.They are full of careless staff who dont care of services for merchants. @2checkout remember this is your merchants who made your company stand. You shall not ignore value of your business you get from your merchants. I have list of all such cases where your company just failed to deliver service support.Anyone of your manager who is interested to listen all those written records and feedbacks along with act to compensate the same let me know I will suggest you more such cases maybe you can find out all those careless staff and can take management action on them.Very bad service support.

          1
          • Organization Name: Webji Hosting Pvt. Ltd.

          This comment refers to an earlier version of this review and may be outdated.

          Raisa Blazhevich

          Organization Name: RAISA HM

          Really they are bad and their support center does’t solve anything and all of their a gents lies

          1
          • Organization Name: RAISA HM

          This comment refers to an earlier version of this review and may be outdated.

          Kashif

          Organization Name: First Option Industry

          2Checkout do not bear single mistake against their polices. Make sure what you are doing if you are or want to use 2Checkout!!!!!!

          5
          • Organization Name: First Option Industry

          This comment refers to an earlier version of this review and may be outdated.

          Raisa Blazhevich

          Organization Name: raisa.

          bad customer service and no support , they are scammers

          • Organization Name: raisa.

          This comment refers to an earlier version of this review and may be outdated.

          Ali

          Organization Name: Optix

          They’re complete fraud do not use them. They closed our account without any notification and hold our balance for 180 days initially after 180 they refused to pay the balance stating that we need another 180 to review your closed account. Not sure what was there to review in a closed account that was shut down 180 days ago. Well after a good year. They stating now that they need another 180 days. … Really a scam! FRAUD ! BeAWARE ! This is probably the paid blog about them.

          1
          • Organization Name: Optix

          This comment refers to an earlier version of this review and may be outdated.

          Jessica Dinsmore

          Hi Ali,

          Thank you for sharing your experience with our readers! To address your concern about the validity of our reviews, please read our post on negativity bias and how this site makes money to better understand how Merchant Maverick delivers real, unbiased reviews to our readers.

            This comment refers to an earlier version of this review and may be outdated.

            RFX

            They basically say that they can close any account whenever they want, for no reason whatsoever:”Thank you for your response. We can certainly understand your disappointment at the closure of your account. Please know there are many factors taken into consideration when an account is closed. Any one of these factors may, in and of itself and at our sole discretion, warrant the closure of an account. We sincerely apologize for any disruption this may cause you or your business.”

            1

              This comment refers to an earlier version of this review and may be outdated.

              Frank

              Way too expensive. An average of about 4% for European Card payments, 5% rolling reserve (supposed to be released after 90 days, after 95 it is still not released!), plenty of US tax office paperwork even though we are an European based company, slow support. The checkout experience required our customers to re-enter all of their address details, … We have moved over to Stripe and it’s much cheaper (about 1.5% for European Cards, no rolling reserve).

              1

                This comment refers to an earlier version of this review and may be outdated.

                Fens

                They refused our application, citing the “prohibited products list”.We sell books. No hate stuff, nothing political and such, just stupid poems or novels.I don’t understand.Maybe they are racist because half of our books are in Arabic? Or maybe they are afraid of dealing with a middle eastern country?I have always recommended them, and thought they were a good option. However they don’t seem to live up to my expectations or their claims. So I can’t recommend them anymore.

                2

                  This comment refers to an earlier version of this review and may be outdated.

                  praful@tavasinfotech.com

                  after going through all your shitty verification process & waiting for 1 month their risk team allowed us to use this gateway on our website. when our payment day arrived they cancelled all orders by themself without any prior notice/call/email. I should have gone through all their 99% negative reviews on InternetTHEY ARE FRAUD, PLEASE DO NOT USE THIS GATEWAY/MERCHANT FOR YOUR BUSINESS, THEY CAN SUSPEND ACCOUNT ANYTIME WITHOUT ANY INFORMATION, THEIR RISK & FRAUD TEAM ARE ARE DOING SHIT ON THEIR JOB

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    Amad Ebrahimi

                    Hi Shawn,

                    Can you tell us what types of FB ads you were running?

                      This comment refers to an earlier version of this review and may be outdated.

                      Kanhais Center

                      DO NOT USE THIS MERCHANT. I used 2CheckOut for one of my business for almost 2 years we had many transactions until December 2016 when we had our first chargeback. Because of this one charge back 2CheckOut sent us an email and locked our account said we went over our 2% chargeback rate. They then sent us an email we have to send them back the funds via PayPal. We send them back the funds via Paypal and they still refused to open back our account. Also a note please make sure the % they state on the website is the actual % they take out they said they were charging us 5% in transaction fees when we calculated it they were charging us over 11% during our service period and even after many emails they never refunded us our agreed %.

                      1

                        This comment refers to an earlier version of this review and may be outdated.

                        Anton

                        just one word: AVOID. Let me explain why: my company is located in Lithuania (European Union) and in 2016 year we ran an online store selling guitar strings. We used a one payment gateway (famous one you all know) and wanted to offer an alternative payment option for our customers. We contacted PayMill, Adyen, Stripe, 2 checkout and so on. Only Adyen and 2checkout worked with our region and we found their fees reasonable. So we subscribed for both. We explained what purposes we need a payment gateway for (European store, payments in Euro, then company bank account in European bank and so on). They told that the rates on their website is correct and we started to work. Our partnership ended after 1st transaction. First of all we were a little bit confused by the amount we received. We double checked 2checkout fees and calculated amount didn’t match the actual amount. So we contacted support team. And there it started to surprise. Response time before we subscribed had been short. After that we could write a few times before we get something from them. They explained: as they’re an American company all the transactions not in USD are conversed to USD during payment and then it is conversed again before appearing on our account. So we have a lame double conversion from EUR to USD and then again to EUR. Why didn’t they tell that, when we asked if their payment gate worked well for Europe companies in Euro currency without any hidden tricks? Well, that’s their business and how they do that 🙂 Tricky. Ok. So we asked them to close our account, it required a lot of docs for USA, despite that we never worked there, so why we should justify ourselves before their TAX system. Ok, it’s rules and we followed them. Than we asked to transfer money to our bank account and once again. We’ve been shocked. Their support team member saw that we had only 20 something euros on our account and they knew that transfer would not be from European bank, so we would have to pay international transaction fee of 15$.Just realize. 15$ from 23$ dollars on our account balance. It’s ridiculous. And their team member could tell us that we should pay 15$, we would rather have refunded our customer and leave him a product as a present then receive a funny 8$ from that 29$ order after all the fee charges. But we can see that they don’t care, they answer after a long time or don’t answer at all. That’s their service.Conclusion: no need to say that using some of the biggest payment gateways you save time, nerves, money and there’s no any hidden tricks. It’s up to you.We were mad at the whole situation with 2checkout and only a few months after decided to tell about it. Maybe it will help someone, because if we had known someone else’s experiences before we subscribed, we would have never worked with 2checkout.Regards,Anton (MB Revolo)

                        1

                          This comment refers to an earlier version of this review and may be outdated.

                          Aurelie

                          Hi Anton, thank you for your complete review. Yours especially caught my attention because our business will be in a similar situation within EU..
                          After having experienced this with 2checkout, did you find another Gateway payment that was satisfying enough? We would like to propose our client the usual and well know but also another one like Stripe that allows the client not to get out of the website to process payment. Unfortunately, Stripe is not yet in Malta so we can’t use their solution.
                          Many thanks for your feedback.

                            This comment refers to an earlier version of this review and may be outdated.

                            ankit jain

                            this is the worst possible payment gateway. think 10000 times before using their service. because once you become a customer, there is no support. your emails willnt be replied, to and you will literally have to beg to get support.despite being a paying customer for more then 85 years everyday we are facing hardship with their services. just looking for an option to switch out. hence suggesting users not to install this poor service provider

                            1

                              This comment refers to an earlier version of this review and may be outdated.

                              sergio ordonez

                              Worst payment gateway ever… in more than 10 years I never had such a terrible experience with payments. Everything was really fast at time to approve my account and make sales but when I tried to get my payouts your system got suspiciously slow. Around a month and my money is still retained for no clear reason… my clients can’t get their services. I refunded all sales. Bye bye 2 checkout… never ever again.

                                This comment refers to an earlier version of this review and may be outdated.

                                Bonnet Pro / John

                                I was just terminated. Liked them at first. Spent 7 months and 15 grand setting up a subscription based forum, a first for my industry.Quickly realized the people are so used to free info that the format was not going to work and switched it to free. Not feeling it was fair to keep the first 9 peoples monies who paid to get in while the new people got access for free I refunded the monies for the first nine subscribers. No one asked i just thought it was the right thing to do. 2CO sent me a threatening email I responded by email and spoke to a supervisor, walked her through the forum and told her why I gave the refunds and that I had considered moving the account to my main business that does 6 figures online per year. She said she understood and “promised” to call me back the next day. No call, I hate that, just an email that said I was terminated for too many charge backs. They listened so well.I dont like the hold back of the monies on top of the use charges. They should have listened better, much better. Not impressed!

                                1

                                  This comment refers to an earlier version of this review and may be outdated.

                                  David

                                  THEY TAKE YOUR FUNDS A MONTH LATER THY WILL REFUND THOSE FUNDS BACK TO YOUR CUSTOMERS YOU LEFT WITH NOTHING !!!CALLED 2CHECK OUT COMPANY SAME LADY ANSWERS A PHONE AND SHE BASICALLY DOESNT DO ANYTHING THERE!!!BEWARE OF A HUGE SCAM COMPANY 2CHECKOUT!DO NOT FALL INTO THEIR SCAM HANDS!!! FOR THIS EXPERIENCE I WILL LET THE WHOLE WORD KNOW THAT THIS COMPANY “2CHECKOUT” TAKES PEOPLE’S MONEY!!!

                                  1

                                    This comment refers to an earlier version of this review and may be outdated.

                                    Mohd Zghib

                                    2co is very disappointing when they list your products as “unsupported” suddenly when I made sure to read the prohibited list and herbs and personal care products like soap and oils are not mentioned , what’s “unsupported” about some oil and certified herbs ?! very disappointing !Which service is better to use? I don’t live in the US therefore I need international merchant service

                                    1

                                      This comment refers to an earlier version of this review and may be outdated.

                                      Naleem

                                      Do not ever use them, anytime they will disable your account by giving funny reasons. I had very bad experience with these guys.

                                        This comment refers to an earlier version of this review and may be outdated.

                                        raag design

                                        This is how we have been robbed by 2Checkout in the pretext of global payment:Transaction ID: 105412472144Payment done by customer in INR: 75500/-Payment converted in USD: 1150.65/- (Payment is less, as very high conversion rate is applied which 2CheckOut says this includes hedge charges, third party fees etc. which was never communicated nor disclosed, they write 5.5% + 45c only, it was expected to received approx $1234 USD based on FX conversion INR 61.15 / USD, but charged INR 65/USD) Reserve Held: 57.54 USD2CO Fees: 63.74 USDAdjust: 15.00 USD (At the time of wire transfer, this money was deducted)Final Payment: 1014.37 USDTotal Charged: 17.79 % vs of 5.5% + 45c Do you really think, merchant like us will survive our business paying through 2Checkout?When contacted customer care: All vague replies and never got the answer. Ticket raised:4704-WTFN-41139005-WAHN-5941PS: Those who are outside US and want to transact with 2Checkout, think twice before dealing with fraudsters !

                                        1

                                          This comment refers to an earlier version of this review and may be outdated.

                                          John Roger

                                          Been with 2checkout for 3 years. Never a problem. A+!!

                                          5

                                            This comment refers to an earlier version of this review and may be outdated.

                                            Michael

                                            Completely, do not recommend 2CO. No way, just don’t do it. I lost 2K USD + account closed. Same sad story as previous posts.

                                            1

                                              This comment refers to an earlier version of this review and may be outdated.

                                              Really?

                                              @ Sara,
                                              Really??? Have you done your research on 2CO before writing this review? Simply write “2CO chargeback” in google and sit back and read hundred of stories.

                                              You said: “Like other third-party processors, 2Checkout is more likely to take on sellers with less than flawless credit scores and is better at dealing with risk than merchant accounts. As mentioned above, the company also deals with fraud for you, which is a big perk.”

                                              A Perk? FGS. They have no protection what so ever for seller or buyer.

                                              Let me add my story of being victimized by 2CO. I am the seller. 2CO is the heaven for people who intend to fraud. Why? Hear me out.
                                              I am in the business to establish good earning wordpress blogs and then sell them. I became the part of 2CO and that was my bad day. One person bought one of my site and told me that he will pay only on 2CO. He paid for the site and i handed over him all the details of website like files, hosting, passwords, domain etc.
                                              Once everything is handed over to him, after one week, i got an email from 2CO that they have made the chargeback. They also put the chargeback fee on my account. They blocked my account as my account went in negative after chargeback. They said if i want to challange then they will charge $15 more for that.
                                              They gave me reason that, the transaction was made using the credit card illegally. Means the card was actually hacked and then payment was made. Now i am in a state where i lost my money, and my asset which was my website.
                                              If you consider Google, Godaddy, Paypal, escrow, they act as bridge between buyer and seller, and confirms if there is any dispute. Here, they refund all the amount because they have mentioned it on their terms and conditions. No support whatsoever for the seller here.
                                              Now if you want to make a fraud. Ask your seller to come to 2CO, pay him there, get the product, and then ask your credit card company for chargeback giving the reason, that those transaction was false and you didnt made that transaction. So according to 2CO will refund automatically.
                                              But on the other side i found dozen of examples, where the buyer are complaining that they didnt get the proper product and asking for refund, but 2CO is telling them that they cannot refund.
                                              Who knows if they really refund the amount? Who knows if the refund is actually asked? After research i also found dozen of examples where people got the same email that they chargeback the amount because of illegale use of credit card.
                                              Now if the hacked card is used then whose job is this to check that? As seller, i know that someone wants to buy my product for the amount i want. If that person is buying by robbering even a bank, what wrong i done?
                                              They have few clauses mentioning in “Intenational seller agreement” nad based on those clauses, they simply dont protect, either seller or buyer. But at the same time they say that they have a department which checks and control frauds.
                                              Interestingly they give a reply, that they cannot protect every transaction. Now if you do your research you will find out hundred of complaints. Even there are groups who are planning to submit a petition against them as they believed that 2CO is actually involved in fraud.
                                              Simply stay away from 2CO. Do your research first. e.g. check few of the links like:
                                              http://www.complaintsboard.com/complaints/2cocom-c20818.html
                                              Fraud: http://www.minibb.com/forums/other-1/from-history-of-minibb-fraud-gabriel-candiani-5731.html
                                              http://www.sitepoint.com/forums/showthread.php?231092-Urgent!-2Checkout-Suspends-Account-amp-Demands-128
                                              http://www.webhostingtalk.com/showthread.php?t=387697

                                              Be Safe….

                                                This comment refers to an earlier version of this review and may be outdated.

                                                Donnie

                                                2co.com / 2checkout.com service is the worst of the industry. Their payment proccessing takes way to long, their fraud prevention is a joke, and their customer service…. well there is NO customer service!! Sent in a ticket over 4 days ago, and not a response via email or ticket… Will NEVER use again!! having to wait 5 days (at least that’s what seller states) for 2 refunds totaling over $600 that’s not back in my bank account yet!!

                                                1

                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Yardy

                                                  Do you guys know from which bank 2C0 do wires to its customers?

                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Sara Billups

                                                    Hi Yardy, thanks for checking in. At the moment we do not know, but if an answer comes up in our research we’ll pass the info along.

                                                      This comment refers to an earlier version of this review and may be outdated.

                                                      AK

                                                      Be aware before you signup with them if you have serious recurring business. I have been loyal 2checkout client for many years until they started experience when they first lost their mastercard processing and then in 2013 visa was giving them hard time. When mastercard processing was lost, my revenue dropped almost 50% and when they started to have problems with Visa, they cleaned up their member base buy getting rid of what they called risky accounts. Thousands of vendors were affected including my business. One chargeback in 4 year history, few refunds account is gone with 400 active recurring memberships worth thousands and thousands of recurring business is all gone.

                                                      Reason given, they claimed there were too many people tried to pay with stolen cards. How is this my problem or how can I control that, isn’t it their job? They are third party processor with high processing fees which suppose take care of this.

                                                      The best thing, once they told me that they are closing my account they gave me 10 days to find new processor.

                                                      Be careful guys.

                                                        This comment refers to an earlier version of this review and may be outdated.

                                                        Alexander

                                                        2checkout now request 500/usd montly sales and prove of that sales(scanned bill).
                                                        they not read my email saiing it is new site, they just not care about.
                                                        Be aware about that

                                                          This comment refers to an earlier version of this review and may be outdated.

                                                          Michael

                                                          2checkout is one of the worst if not the worst merchant in my opinion.
                                                          after doing two years of business they decided all of a sudden that my site have a high fraud ration (which was never above 4%) and decided to shut down my account of new site which i just started on 5 days notice (which was really small time and not enough to get another merchant without losing credit card paying customers),

                                                            This comment refers to an earlier version of this review and may be outdated.

                                                            Joseph Thomas

                                                            I agree that the chargebacks have increased as they have shifted their processing to Hong Kong.

                                                            Seriously, which customer would not dispute a charge billed in Hong Kong especially when 2Checkout.com mentions itself as a US company.

                                                            May be they will move to Vietnam and Pakistan next for processing the charges.

                                                              This comment refers to an earlier version of this review and may be outdated.

                                                              S. V. Than

                                                              The charge posted by 2Checkout.com appears as “Internet Services” – Hong Kong in the credit card statements of customers.

                                                              This is an amazingly foolish step of 2Checkout.com and is leading to high amount of chargebacks across its customer base.

                                                              As I said, it is a stupid step by a credit card processor which will lead to greater customers and sellers dissatisfaction.

                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                Anne

                                                                Hi – I’m posting on behalf of 2Checkout. I am in the Marketing Department here. I ran across this post and just wanted to make sure it’s up to date. Our pricing has changed. For US sellers we are now 2.9% + 30¢ per transaction. International sellers remain at the 5.5% + 45¢ per transaction.
                                                                If you have any questions don’t hesitate to reach out. https://www.2checkout.com/contact/

                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                  Amad E.

                                                                  Thanks for the heads up Anne. We’ve made the adjustment.

                                                                    This comment refers to an earlier version of this review and may be outdated.

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                                                                  Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.