Central Payment (CPAY) Review

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Date Established
2005
Location
San Rafael, CA

Overview:

In 2000, identical twin brothers Zachary and Matthew Hyman founded California’s CardPayment Solutions, Inc. (not to be confused with Indiana’s Card Payment Solutions). CPS grew quickly, and the brothers sold it to iPayment soon after for $18 million. As soon as their non-competition agreement with iPayment expired, Zachary and Matthew were back in the industry, forming Central Payment (CPAY) in 2005, based out of San Rafael, California.

Since then, they’ve managed to land on Inc. Magazine’s list of the 5000 fastest-growing US-based companies every year since 2010, when they ranked their best at #309. That’s great news, since it means they’re succeeding as a business. CPAY currently processes over $10 billion per year from over 65,000 merchants. We just have to hope they don’t end up sacrificing service for revenue growth.

In August of 2012, CPAY sold 60% of the company to TSYS Merchant Services, opening a “joint venture” between the two companies. TSYS later increased its stake in the company to 75% in 2014. So TSYS processes the payments, while CPAY remains largely in control of their brand and sales practices.

The Central Payment website is very professional looking and visually appealing. Unfortunately, the site’s actual content is quite sparse. While there are a few educational resources available and brief descriptions of the company’s products and services, there’s no mention whatsoever of either actual rates and fees or contract terms. In other words, the kind of specific information that you, as a prospective client, would definitely want to know before signing up is not revealed at all. Overall, CPAY’s website is a nice-to-look-at advertisement for the company’s services, but it’s not a useful educational resource for either current or potential customers. You’ll have to talk to a sales agent to get any of the information that you really need. CPAY really should consider following the growing trend in the credit card processing industry by including more of this information right on their website where potential customers can see it, like our recommended processors do.

Website design aside, I do in fact like their products and services. The proprietary and affiliate software and products they offer have a super-clean, contemporary aesthetic alongside quality features. I think their SpotOn digital marketing and loyalty software is actually pretty unique.

While I can’t give CPAY a glowing recommendation, I have no reason to tell you to avoid them, either. Many of their customers have great things to say about the customer service they experience, and most seem to find their rates acceptable. In many cases you can negotiate the early termination fee and contract length to suit your resources.

Overall, Central Payment rates as a slightly-above-average merchant account provider, and earns a decent 3.5 out of 5 stars. While they offer a solid line of products and services, their use of independent sales agents, lack of transparency regarding fees and rates, and high complaint volume from merchants puts a serious dent in their overall score. All of these problems are, unfortunately, quite common in the merchant accounts industry.

Check out the full Central Payment review for all the finer details about CPAY, or try out our merchant account finder to find the best payment processor for your specific needs.

Products and Services:

When you look at CPAY’s products and services as a small merchant, it’s kind of a relief. Instead of being bombarded by dozens of solutions for every industry conceivable, you’ll find just a handful of essential products and services, all geared for a direct-to-consumer approach. They have a nice collection of proprietary software and affiliate relationships featuring really clean, contemporary design and functionality. CPAY offers:

  • Merchant accounts: Basic merchant accounts are the foundation of CPAY’s offerings to business customers. Remember that CPAY uses TSYS, their parent company, as their processor.
  • Terminal leasing/sales: Offerings include the Verifone VX 520 and Verifone VX 680 for wireless processing, both of which are EMV-compliant and also support Apple Pay and Android Pay. Perhaps an underwhelming selection, but I actually like this. That said, we don’t recommend that you lease, and I encourage you to shop around before you buy. If you insist on getting your terminal(s) from CPAY, your sales agent might be able to offer you a choice of additional models that aren’t featured on their website.
  • Payment gateway/virtual terminal: For eCommerce merchants, CPAY offers a choice of two third-party payment gateways: PayHub and Authorize.Net. Either one is a solid choice.
  • POS software: Again CPAY offers two choices: the company’s proprietary CPAY Point of Sale system, and the third-party RiO POS system. While the CPAY POS system is specifically designed for restaurants, the RiO is more of a general-purpose product.
  • Mobile processing: Central Payment now offers CPAY Mobile, a mobile processing solution that allows you to accept payments through your tablet or smartphone. They’ll provide a free card reader that connects to your smart device via the 3.5mm headphone jack and uses an iOS or Android app (also free) to interface with the card reader. While it’s not a novel service, it’s still nice to see it offered.
  • Rewards/marketing software: This is a pretty unique service for a processor to offer. Called SpotOn, it’s basically an expanded digital loyalty program that you can track through a dedicated tablet. The software has the same polished appearance CPAY offers elsewhere, and overall it looks nice. Check it out here.

Fees and Rates:

You won’t find any information about processing rates on Central Payment’s site. In fact, you’ll find very little information about credit card processing at all. CPAY’s Merchant Support page offers a (very) small selection of educational articles, but that’s about it. One of the reasons for this is that CPAY, like many other merchant account providers offers a mix of both tiered and interchange-plus pricing plans. Tiered pricing plans are generally more expensive, and your sales agent will usually try to sign you up for one – often without mentioning that you have other options available. Be sure to ask for interchange-plus pricing in your negotiations with your sales agent. Unless you’re just starting out in business or fall into the high-risk category, you’ll probably be able to get it.

There also isn’t any information about fees on CPAY’s site, but that’s not because they don’t charge any. Of course they do! While all merchant account providers charge fees, the better ones disclose them on their websites, so you can see what you’ll be paying before you negotiate with an agent for a new account. Sales agents are also supposed to fully disclose them during the negotiation process, but often don’t. Regardless of how thorough your sales agent seems to be in disclosing fee information, you absolutely MUST read your entire contract thoroughly before signing it!

Here’s what you can expect to pay in fees for a CPAY merchant account:

  • Account setup fee. CPAY’s standard contract still includes a $195.00 account setup fee, but most agents apparently will waive it if you ask them to. We consider account setup fees – especially exorbitantly high ones like this – to be “junk” fees, and most processors have phased them out entirely. Definitely ask for this fee to be waived!
  • Statement fee. This will run you $9.50 per month, which is a little higher than the industry average.
  • Monthly minimum. This is currently set at $25.00 per month, meaning you’ll have to process a sufficient volume of transactions in order to meet it. While large businesses usually don’t have to worry about this, smaller businesses should ask to have it lowered or waived altogether.
  • Equipment warranty fee. Currently $8.95 per month, this fee appears to add little value to the services you receive. You’ll still have to pay it even if you buy your terminals from CPAY, and if you lease them, you’ll also be paying a lease fee on top of this.
  • PCI Compliance fee. If you’re PCI DSS compliant, you’ll still have to pay $45.00 per year for this. If you’re not compliant, the PCI Compliance fee jumps to $75.00 per year, plus you’ll also be charged an additional $15.95 per month as a PCI Non-compliance fee. While these fees are lower than the industry average, you’ll definitely want to make sure your account remains PCI compliant.
  • Early termination fee. CPAY still has a prorated early termination fee in their standard contracts, but apparently they’ll waive it entirely – if you ask.

There are also a number of per-occurrence fees, such as fees for chargebacks (currently $25.00 each). Overall, CPAY’s standard fees are close to or slightly higher than the industry average. However, with some skillful negotiation, you can eliminate some of the more outrageous fees and bring your costs down to a reasonable level. If you need negotiation tips, check out our comprehensive merchant account negotiation guide.

Contract Length and Early Termination Fee:

CPAY’s standard contract runs for a term of three years, with an automatic renewal clause that renews the contract for one year periods thereafter. Unlike most merchant account providers that still charge an early termination fee (ETF), CPAY offers a prorated ETF. Terms are as follows: If you close your account within the first year, the ETF is $550.00. In the second year, the ETF is $375.00, and in the third year it’s $300.00.

We don’t like early termination fees, and there is a growing trend within the industry to do away with them and offer month-to-month contracts. Fortunately, it appears that CPAY will waive both the ETF and the three-year contract term if you request it. If you’re negotiating a new contract, be sure to have this waived before you sign up. If you’re a current CPAY customer, you might want to see if this term is still on your contract. If it is, you should re-negotiate your contract to have this term removed.

Sales and Advertising Transparency:

Because CPAY provides no information whatsoever regarding the costs you’ll incur when you sign up with them on their website, I have to rate them very low in the area of transparency. Since they’re now offering month-to-month contracts, it would be nice if they would at least disclose this feature on their site. At the same time, CPAY doesn’t use many of the misleading sales gimmicks that a lot of other providers do, so that’s a plus.

CPAY does have a problem with the quality of service provided by its independent sales agents, and this is apparent from the sheer volume of complaints from merchants alleging that their agent either misled them, failed to disclose an important contract term, or outright lied to them. While this is a common problem in the processing industry, I’d really like to see the company either improve the training and supervision of its independent agents or switch to an in-house sales team.

CPAY has a strong social media presence, with very active accounts on Facebook and Twitter. They also have a YouTube channel with educational videos and customer testimonials.

Customer Service and Technical Support:

CPAY offers telephone support on a 24/7 basis, and also email support. Chat support is currently not available through their website. While in theory 24/7 telephone support should be the best available, in actual practice it often falls short. Based on numerous complaints from merchants, it appears that CPAY’s customer service reps have little or no training in actually solving issues related to merchant accounts or credit card processing. Instead, they mostly serve to connect you to your original sales agent – who may or may not be available. While having your sales agent function as your dedicated account representative should translate into better service, it often doesn’t work out that way. With the high turnover rate among independent sales agents, your agent might not even still be working for the company when you call in with an important problem.

Although poor customer service is a common problem plaguing the merchant accounts industry, CPAY needs to take some positive steps to improve in this area. Customer service representatives need to be better trained, and the company really should transition to a more stable, better-trained in-house sales staff.

Negative Reviews and Complaints:

Central Payment has been accredited by the BBB since 2006, and currently has an A+ rating. Don’t be fooled by this high rating, as the company has had a steadily increasing volume of complaints over our last two review updates, and currently has 183 complaints filed within the past three years. This is an increase from our last update, when they had 160 complaints within the same time period.

Of those complaints, 73 were filed within the past twelve months, representing a significant increase from the 44 complaints filed within the same time frame at our last update. While it’s true that CPAY is a fairly large processor and is naturally going to receive its fair share of dissatisfied customers, the volume of complaints is still disturbingly high. Unfortunately, details of the individual complaints are not available on their BBB profile. It’s significant that only 41 out of the 183 current complaints were resolved to the merchant’s satisfaction. That’s not a very good batting average.

CPAY also has 5 complaints on Ripoff Report, which is a pretty small amount compared to their BBB profile. Most of the complaints center on issues like unexplained account holds and terminations, difficulty closing accounts, and CPAY continuing to charge merchant’s bank accounts for months after their accounts were closed. Unfortunately, these are all very common issues throughout the processing industry.

Between their responses posted on Ripoff Report and the number of resolved complaints with the BBB, it’s apparent that CPAY does take the time to respond to complaints, although not always successfully. Some of the most common complaints made against Central Payment include:

  • PCI compliance fee/non-compliance penalty: While processors aren’t required to charge you for PCI compliance, most of them do. CPAY’s annual fee of $45.00 (or $75.00 if you’re non-compliant) is actually pretty reasonable. The industry average is closer to $99.00 per year or more – whether you’re compliant or not. Nonetheless, charging $15.95 per month for PCI non-compliance is simply a “junk” penalty fee. The best way to make sure you avoid this is to always stay compliant, which is easy enough. Still, I think sales reps need to cover PCI compliance and related fees in-depth during sales talks. Not doing so leads to very unhappy customers.
  • Bad leasing contracts: In almost all cases, leasing terminals won’t make sense for you. Leases through Northern Leasing are especially bad, and that seems to be one of the companies CPAY partners with. Please read this article before leasing a terminal! Also note that your “free” terminal isn’t really free – there’s an $8.95 per month “equipment warranty fee” that comes with it. Regardless of whether you buy your own terminals or get them from CPAY, be sure to thoroughly read all of your contract documents before you sign up.
  • Difficultly getting support from independent agents: Designating your sales agent as your dedicated account representative after you sign up is a great idea – in theory. Your agent knows you and is more aware of your business’ specific needs than a random customer service representative. However, it doesn’t always work so well in the real world. Problem #1 is that, with the high turnover among independent sales agents, your agent might not be working for the company anymore by the time you have an issue that needs to be resolved. Problem #2 is that when your agent has to take time out of his or her day to help you with a problem, that takes away time that could be spent making more sales calls (and therefore making more money). As a result, there are numerous complaints from merchants about being blatantly ignored by their sales agents after they’ve signed up for an account. If this happens to you, your best bet is to call the CPAY corporate office directly for help. If the problem persists, request a new point of contact for your merchant account.

Positive Reviews and Testimonials:

Central Payment has five really professional testimonials on their website. You’ll find fourteen others here that are not as polished and are all over five years old at this point, but actually seem more authentic to me. I really liked seeing all of these video-based reviews, and also liked the questions the interviewers asked, including:

  1. What else could we do to better serve you?
  2. Do you hear from our competitors?

This gives CPAY the opportunity to show that their customers really are satisfied– and satisfied enough to stay with them despite hearing from competitors on an almost daily basis.

Merchants seem to really appreciate the customer service and overall value offered by Central Payment. While some merchants in the testimonials allude to the fact they’ve been offered better rates elsewhere, they all seem to believe they’d rather pay a few basis points more to get the reliability and service CPAY offers. As a reviewer, I really liked hearing this.

They also have over 11,000 likes on their very active Facebook page. While I know there is more than one way to get Facebook likes, I’m still impressed by this considering they serve over 65,000 merchants.

Final Verdict on Central Payment (CPAY):

All things considered, I like Central Payment more than I dislike them. They offer solid products, solid service, and merchant testimonials indicate that their rates are very competitive. They’re moving in the right direction with proprietary software like SpotOn, but CPAY hasn’t quite sold me on their tech-savvy identity. If you decide to check out CPAY after reading this review, definitely make yourself familiar with our comprehensive merchant account fee guide and our negotiation guide. You might need them.

At the same time, I really wish they would disclose more specific information about account fees and contract terms on their site. This lack of advertising transparency lowered their score, especially now that so many of their competitors are listing their fees right on their websites.

CPAY’s score was also lowered due to their continued use of independent sales agents – and all of the associated problems that arise with this practice. A relatively high complaint volume also weighed against them, as it’s an indication that a significant number of their customers are not having a positive experience with the company.

Overall, CPAY rates 3.5 out of 5 stars for now. Now that they’re partnered with TSYS, they should have the financial backing and technical support needed to improve their service and get a higher score in a future review update.

If you’d like to see what the true 5-star merchant account providers have to offer, check out our merchant account comparison chart. For an overview of the best providers for small businesses, check out this article.

Tom DeSimone
Tom loves asking tough questions and getting straight answers, so he has a lot of fun calling payment processors for Merchant Maverick to cut through their smoke and mirrors and find the real deals. He has run a full-time editorial business from his home in New York’s Hudson Valley since 2010 and could not imagine a better job. When not busy writing and keeping credit card processors honest, Tom enjoys backpacking in the mountains.
Tom DeSimone
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74 Comments

    Felix

    C’pay without notification has been withholding our funds. 7 DAYS NOW!

    Prior to that we had been receiving funds for about 2 weeks, into that same account. With no problem.

    I called them September 9th to find out what was going on. First operated did not know, second call, I discovered it was because we never sent them a voided check?

    I explained in an earlier email why I did not want to do this. Our checks had been compromised. (Forgeries of our checks forced us to open a new account).

    How does a merchant choose to hold funds simply because they want an old school voided check? Worst part, they never made us aware they would stop depositing our funds.

    This can’t be legal. It’s over a week’s worth of funds. This could put a small business out of business.

    I’ve reluctantly sent a copy of that voided check. On Sep 9th.

    It’s now September 12th. No funds have deposited into our account.

    Who would stay after such an egregious act.

    -Felix NY

    I’ve been with Cpay for almost 5 years now.
    Recently our checking account was compromised (forged checks). We had to close the account and open a new one.

    1

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

    Sue Thompson

    Be very aware!!!!! This company has hidden agreements and very poor and manipulative customer service. Their business practices are from the dark ages and not very pleasant – it will cost you more money than you are willing to spend!

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

    sandy Carrano

    watch out they are shady and will make you pay an early termination fee…..even tho they say they will let you out as the rep said. I rented a chair in a salon I did not have a contract with the salon owners.
    The rep told the owners and myself a 30 day notice would be fine with no termination fee. To make a long story short they withdrew $375.00 from my account….still waiting to get it back. They threatened to send me to a collection agency If I did not pay despite the fact their credit card readers are not reliable at all. Please if anyone knows who I can contact to get out of this contract or has any advise I would appreciate it this to me is extortion for they are charging a fortune for an unreliable service. Central Payment ……..my humble advise STAY AWAY! scarr30179@yahoo.com

    1
    kenny

    they suck……………

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

    Tired and Fed up

    Sounds like another BS credit card processing company. Promise you the moon and stars and take your money while you are not looking.

    1

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

    SASHA

    Stay a way from Central Payment, poor customers services they will charge you for nothing, they sent me a letter to pay the money they already pay me , How ? One of my customer makes payment for $165 is appear clearly in my account now they want me to return the money I faxed them everything I have but …….. how many time I called them? no answer I called the agent too he don’t answer my phone call I regret to go to this COMPANY

    1

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

    fredrick andrews

    thank you, good stuff

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

    Angela Perez

    BEWARE!!!!!!!
    Do not go with this company they took $692.00 of my money over a chargeback from my client that I ended up winning. They said my money ($692.00) went to chargeback fees with them & they are not going to refund me my money. I asked them for a breakdown of what fees my money went to, the can’t give me any answers, show me proof. Their best answer is always we will research this matter & call you back, I have never received a call back from them, not even when I sent a complaint to BBB. I had to call them again yo try to resolve this issue & I was told they will not refund my money & they will go ahead & cancel my account & do me a favor & not charge me an early cancellation fee. Central Payment would rather lose a customer than resolve any issues.
    This company is a SCAM & STEAL small businesses money

    1

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

    Linda

    They need to be watched closely for overchages and changing rates without notice.

    3

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

    George McDonald

    Central Payment takes more money from businesses, especially small seasonal businesses such as mine, than they make. Using Central Payment gives me more loses than profits. For the month of January we had one credit card swipe of $150 and Central Payment took $134.75 leaving me only $15.25 but then I have to pay taxes on the $150 which leaves me in the negative. For the month of February we did not have any credit card swipes and Central Payment charged $47.46. After being with them for 2 years, not knowing that I was contracted to 3 years, I called and cancelled my account. Today I look at the business bank account and see a charge from them for $375. They claim that it is an early cancellation fee, of which I did not know about. Central Payment will try their best to squeeze blood from a turnip, so I would recommend that no one use them.

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

    DeShane Johnson

    We have reviewed your comment and would like to assist with any items you need to have addressed. Cpay is always more than happy to help our merchants in every area. I would appreciate if you would grant me a moment of your time to answer any questions you may have in order to resolve your concerns. You may contact me at 800.449.8012 ext. 7372

    5

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

    Sandy carrano

    Then help me. Cpay took $375.00 out of my account. The rep filled in and initialed my contract it is not my initials the rep misrepresented me and the salon I worked for. I have 3 witnesses to the verbal contract the rep. Had us sign he was in a hurry broke it down and told us we had 30 days to give notice so no termination fee. I am upset someone forged mt initials. I was not given a copy of the contract..so I got a copy today I am appalled it is fraudulent to forge my initials. I did not sign for mobile but magically it is there. I used a machine not a reader had no idea I would be leaving the salon at the time. After being told not quoting…tough you signed a contract even though you are moving to a different city. I asked to speak to a manager they told me about the reader. The readers do not work it takes 7 or more swipes to get it to work . I start new salon tomorrow will not have the machine to fall back on. CPay wants to charge me and cannot give me a reliable way to accept credit cards. I will have to pay a monthly fee , plus the percentages and extra for I will have to key in. I would like out with no early termination. If one looks at my contract it is obviously not my writing.
    Do the right thing.

    1
    Donna Gilchrist

    Why as a business owner would you sign into an agreement with any company without knowing and having all the terms documented and in your possession.
    I’ve been with Cpay as a Rep for 9 years – one of my easiest ways to close a sale is by showing prospective merchants CPay app that “deliberately” “discloses” “ALL” terms and within “ALL” the terms location of the app, “Merchants” must “”SIGN” as confirmation they read, understand and “AGREE” to “what you are signing.

    SO many merchants want to hold a processing company under attack with stories of you didnt know this and weren’t told that and therefore should not have any accountability for your situation and the processing company “YOU” entered into by “signing” a contract into a contractual agreement with….

    Your story isn’t completely truthful.

    Business is business.
    You didnt know your business agreement before you signed contracts… or you didnt take the time to read first. A CPay Rep cant control you or your business or make you sign a contract without reading it.

    YOU chose to do that yourself.

    I have “LOTS” of merchants after 9 years with CPay – many that refer me to other merchants, some have been convinced CPay is a terrible company ripping them off by agents of other companies and jump ship… and RETURN to CPay “experiencing” the difference knowing their rates “never” changed, their contracts were “complete disclosure in bold black print” and the Customer Service at Corp Headquarters is always responsive and professional and in a timely manner resolves issues.

    I’ve had merchants like you. I’ve personally taken time to read through every section with them “before” they sign each section. I leave them a copy of app – ALL Cpay Apps are dual copy – ONE for Merchant. Underwriting “verifies” apps when received insuring merchant “did” sign App…

    All the sudden something happens on merchant end or they get aother Rep that comes in and sign into a contract with another company… Then to try to get out of initial contract with CPay claim “they werent told they had a contract” or “didnt know they had a cancel fee”… Who’s business is it to make sure in YOUR business you know and have control of everything that affects your business and have responsibility for any contracts YOU enter in to?
    Is it really the processing company that fully discloses in an app in black and white you have to initial and sign numerous places representing yourself as knowledgeable of what you are entering into… or your responsibility as a business to BE responsible for everything and anything YOu sign your name to and date.

    More and more merchants are no longer “business people”.

    Business people make it their business to know everything that will affect their business…

    More and more nowadays Merchants, as soon as YOU created a pickle for yourselves and learn your contract terms YOU violated, knee jerk reaction is to attack and bash the Agent or CPay.

    There “ARE” “LOTS” of horrific companies out there and Agents working for them and they all – company and Agents alike lack ethics, morality….

    Sorry but, there “IS” a “REASON” I am STILL comfortable and proud to work with CPay after 9 years – I have peace of mind and confidence in how my Merchants I sign up that are good business people will be handled and that their rates don’t change – and their bank accounts are safe and not stolen from with unjustified created fees like many other companies. I also know wholeheartedly that CPay is a “stickler” on CPay end for being respectful of CPay’s agreement with our merchants and they adhere to what you signed into. Also, more often than not, CPay Managers have gone above and beyond to insure customer satisfaction and work with merchants even flexing contract terms at times to insure a good relationship.

    Your story w my experience longterm at CPay and ALL my “good” business owners that take responsibility for everything in their business and knowing their business, doesnt add up.

    Willful blindness to a contract doesnt make the Processing Company wrong or dishonest when you violate the terms of your agreement.

    Not reading before you sign isnt the Agent or the Processing Companies fault.

    We can’t control YOUR business… nor what you choose not to do. We can only control our end and following thru with agreed upon terms and service.

    Too many merchants make everyone else scapegoats when you neglect your responsibility and it affects your business.

    Just like the others above balkng Cpay charged them all this $$ – January was probably a PCI Compliance Fee – which is boldly disclosed in ALL applications… There are “Monthly Minimum Fees” EVERY Processing company charges and is BOLDLY disclosed in CPAY Apps

    Too many Merchants deflecting your bad’s on CPay.

    Where is your responsibility in your business management and knowledge and accountability?

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

    Karla Widing

    Donna,
    Thank you for your post, everything you stated about merchants is spot-on. Merchants not only choose not to read the contract, when pointing out specific fees they will encounter (i.e. $85 for PCI) in January, like clockwork calls will start in February. What drives me crazy- when I remind them we spoke about the fee, they don’t recall the conversation, then CPAY is over charging, coming up with hidden fees etc. Without fail they will tell me, I never mentioned anything.
    I’ve worked as an independent rep for CPAY, going on 3 years. Sure every occasionally there is a glitch in the system/process but overall I truly enjoy working with everyone there.
    Thank you again Donna for sharing your experience, it’s great to know I’m not alone.
    Karla Widing
    Rep for CPAY 3 yrs

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

    Kevin Christensen

    I would never again use Central Payment. They have been nothing but difficult to work with. We would often find funds taken from account randomly. We have switched companies and are still in dispute.

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

    T Floyd

    I’ve been an agent with Cpay since 2009. I am the process of transitioning to Merchant Warehouse, a way better company. Cpay adds additional fees to merchants that are in contracts. If the merchants don’t want to pay the additional monthly fees and want to cancel, they have to pay the cancellation fee(catch 22). My sales director lied to me regularly. Their customer service is good. I feel bad for them because they have to clean up a lot of the dirty work from poorly trained agents. As a sales rep I would not encourage any business to use them.

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

    fredrick andrews

    Mr. T Floyd
    I would just like to say to you: the Grass is always greener on the other side,
    until you cross over. Never leave a company bad mouthing them, just leave.
    The best of luck to you
    Fred

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

    Donna Gilchrist

    Mr Floyd, sounds like you’re trying to get your CPay biz over to Merchant Warehouse. I’ve been a Cpay Rep for 9 years and you are full of baloney. CPay doesnt play games and change rates or just randomly take fees.
    I’m very familiar with Merchant Warehouse,.. I have earned numerous customers thanks to Merchant Warehouses practices.

    Sounds like a “sales” person schnookered you into a “sale” :and you “bought”without doing extensive research 🙂

    Buyer beware 🙂

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

    Allen Saltzman

    I wish I could give this company less than 1 star. They broke their contract and raised the rate on me – WITHOUT telling me. The agent admitted it and told me a refund was forthcoming. Not only did the company not give me a refund, but they continued to charge me a monthly fee AFTER I cancelled the service. STAY AWAY!!!

    1

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

    Mike Massey

    If you call customer service with a question, do not expect a return call. I left three messages over a four week period and the ONLY return call I received was one month AFTER I cancelled service. That call was to tell me they were going to charge $300 for an early termination fee!

    Poor company, poor customer service.

    1

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

    maureen macias

    IF U HAVE ANY SENSE U WOULD RUN bFROM THIS COMPANY THEY ARE CROOKS I OWN A SMALL BUSINESS AND THEY HAVE MADE MY LIFE MISERABLE FOR THE LAST THREE MONTHS. THE NIGHTMERE WITH THIS COMPANY STARTED FROM DAY ONE WHEN THEY SENT A SALESPERSON TO MY SHOP AND I SHOULD HAVE HAD THE SENSE TO SEE ALL THE FLAGS AT THAT TIME ESPECIALLY SINCE THE SALESPERSON PRACTICALLY HAD A FIGHT IN MY STORE WITH ANOTHER MERCHANT SERVICE PROVIDER SALES PERSON. I WAS NEW TO BUSINESS WITH MERCHANT SERVICE PROVIDERS AND NAIVE. I SPECIFICALLY ASKED FOR NO CONTRACTS GUESS WHAT AFTER GETTING ALL SET UP WITH THEIR MACHINE l’M IN A FIVE YEAR CONTRACT. ALL KINDS OF HIDDEN FEES AND THEN YOUR DEALING WITH A COMPANY THATS NOT LOCAL SO DONT HAVE S DISPUTE CUZ THEY MAKE IT DIFFICULT TO SOLVE. I ALSO PAY EXTRA FOR NEXT DAY DEPOSIT WHICH DOESNT HAPPEN ALL THE TIME AND IF IT DOESNT THEY ALWAYS HAVE AN EXCUSE. THE GRAND POOPA OF ALL IS THAT THIS COMPANY ALLOWED A PERSON TO RUN A STOLEN CREDIT CARD THROUGH MY TERMINAL FOR 800.00 THAT WASNT REPORTED STOLEN FOR A MONTH LATER AND WANTS ME TO BE RESPONSIBLE FOR THE AMOUNT. Eventhough I HAD CALLED TO VERIFY ,and one of their representatives approved for the amount and i guess he didnt know the card was stolen so now they want me to be responsible so im out 800.00 Even though im their customer they did nothing to protect me as a customer of theirs but instead have been nothing but RUDE. Please find another processing company!!! Do yourself a big favor these crooks need to be out of business!!!!

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    John Nyman

    Has anyone ever heard of a CC processing company debiting your account without warning for a processing error on their end? Story is that on 6/22 they went through an “upgrade” of their servers during which many if not all, accounts were double-batched. On the 26th my account was debited over $1,000 as a result of their error. I’m not trying to get rich over something that falls into the category of “crap happens” but doing this without any notification or explanation seems like a huge breach of trust.

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    Tom DeSimone

    Hi John,

    That sounds like a serious mistake on their end. If this led to any bank fees on your end, CPAY should absolutely reimburse you. Either way, I hope they provided you and all those affected with a sincere apology and a timely refund of money owed. These sort of electronic errors do happen from time to time, but it’s still a serious issue in my eyes.

    -Tom

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    Rita Mastrovito

    Horrible company! Do not select this company for your merchant services! They are disreputable and have caused me to spend hours trying to negotiate with my original merchant services company to try to to back to them–Central Payment promised to buyout my original company and after 8 months of asking them every month to pay the termination fee, it is apparent that they have no itention. Don’t believe their salesmen as they are independant contractors and will promise everything but won’t deliver. Caveat Emptor. This company sucks and I will joing the 144 other people filing BBB complaints.!

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    judy

    I just decided to work for Cpay and am discouraged at what I am reading.
    I am most ethical and my work always consisted of win for the customer equals win for the employer.

    What am I getting myself into?
    Jay

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    Nicole Kersey

    I am considering taking a job as a sales rep, but not at the expense of someone elses misery. Is there anyone out there that has more positive things to say about this company?

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    Amad E.

    Apologies for the delay on this Nicole. I think any one of my high rated processors would be a good place to start.

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    Scott Dewhurst

    Hi Nicole Kersey, Did you ever start working for this company. Just wondering as I am thinking of applying.

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    Nicole Kersey

    I am reading all of these negative comments. If they violated the contract agreement why hasnt anyone taken them to court to resolve these issues? For the amount of your contract cancellation fee you could hire an attorney and recover all of your money plus some……

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    Richard Whipple

    I own two business and we combined them into one so we didn’t two cc processing. I called today to cancel one of them and they tried to hit me with a 550 dollar cancellation fee. I told them I had it in my contract I could cancel at anytime with no fees. I was put on hold he said he would talk with his superior and help because we are keeping one of them, I thought great. He came back and said he did me a favor and dropped it to 375. I don’t know about you but I don’t need friends like that! I asked to speak to his supervisor and he said he was the supervisor. I don’t know who he was talking to to get me that great deal when I was put on hold??? I insisted someone is above him and he gave me another name but he was out of the office and guess what I never got a call back! I will post more and let everyone know how things went after I call them tomorrow.

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    Richard Whipple

    Central Payment is the company that handles my cc processing.

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    Paul

    Dont know who you are but I actually work with Cpay and have always been very satisfied with everything they have told me. If you would give me some info I will see if I can personally help you with your situation.

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    Mike Massey

    They NEVER call back. That is why we left them.

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    Bernal Machine

    I sign a contract for 2 year with this company, I haven’t even been with them a year and they already raising my price. I agree for a pci fee for $45, when I got my statement they charge me $85, thats $40 more than I had aggree why do I have to honor there agreement if they don’t honor theres. Pluss now they want to charge me $375 for cancelling. There a bunch of thieves screwing small businesses.

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    Paul

    Bernie What is your company and who told you your pci would only be 45$ its on every contract plainly 85$ I use them everyday.

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    Victoria Hoffman

    Wow ! I have been reading the comments about central payment, I also have to put my two cents in. This is the worst company I have ever dealt with, from violating contracts , to wrong deductions to get this ” completely wrong info being reported to the IRS, incorrect s.s.# on statements mixed up info all around . When I called to get this corrected I was told to tell taxpreparer to fix ! I said NO this is central pays fault for misinfo, they are the ones with copies of contracts, signed with birthdates ,s.s.# and addresses ! I could go on and on however I was told they were recording me and if I didn’t report them to the better business bureau they would credit it back !!! We shall see !!!!

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    Kuo Wei

    I am feeling abused by Cpay.

    I feel like I have been scammed. I signed a 3 year contract with Cpay, and am now in my fourth year of service with them. The first time I notified them of my intent to cancel, they told me I owed 300 dollars! I read my contract again (after seeing that I am not liable for the 300 early cancellation fee), they tried to tell me I owed them almost a years fee’s (at ~60 dollars a month, ~10 months, it comes out to around 600 dollars!). It seems like they make up their termination fee structure on the fly!

    I spoke with a [edited: name removed] the second time around, he seemed personally unwilling to help me. He told me there was nothing I could do, and if I cancel they will take the money out of my account! I would sooner go to an attorney, or better yet, raise this issue with merchant I know so they don’t suffer the same scam I am! Writing this, I realize the best thing I can do to help people avoid this in the future is raise this issue on all the review websites I can find (and the testimonials page on Cpay)

    Avoid CPAY like the plague!

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    Kuo Wei

    The saga is ongoing, and I feel like I am being avoided. Since his name was removed earlier, I will just say I spoke with the head of the call center at the outset of my troubles, and he has since seemingly avoided contact. I left multiple messages for the fellow days ago, and he only tried to reach out again when I canceled my contract. The service here is awful…

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    Kuo Wei

    I would like to retract my statement. The fellow got back in touch with me, and for all intents and purposes my issue was resolved. I had to pursue my objectives more than I would have preferred, but in the end Cpay was helpful.

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    Gene

    I wish I had read all of the merchant’s comments about their experiences with CPAY before I signed that contract. I too feel like I was mislead especially when I contacted my agent about the monthly fees. She made some kind of explaination and told me that she would personally reimburst me $50 a month, for two months until my business picked up. Well I have yet to see a dime.

    Yesterday I recived my statement and I thought I have to get out of this, its just not worth it. Well after contacting CPAY I found out that my cancellation fee to Payware and CPAY would be about $500.

    If I may suggest to all merchants that feel like their being scamed, I say contact the Attorney General’s office and file a complaint on line. Do the same with the FTC, its about time these scam artists are run out of business.

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    Patrick

    The customer service at this company is atrocious. I never can understand how a company can stay in business without treating all of their customers with common sense and respect. I signed up for CPAY through a friend of a friend. He looked at my website and said that their payment processing was compatible with my site. I signed up and got a processing solution within a couple of weeks. It turned out that their solutions were not compatible with my site. I worked with the tech support team for another 2 weeks and we were unable to find any processing service that would work. So they said that they would “allow” me to cancel my account. During this process I was charged one month of service. I didnt mind and I wrote it off as a cost of doing business. The next month I received a new, more expensive bill from CPAY and because they had access to my account they just took the money out automatically. I call customer service and ask why they charged me when I cancelled over a month ago? She tells me that it takes 30 days to cancel so you are responsible for the second month as well. I tried to explain that this does not make sense because it is not like I had been using the service and then decided to cancel. I never got the service up and running so there was nothing to shut down that would have taken 30 days. And the cancellation was through no fault of my own (it was even documented in her notes by the tech support team that none of their solutions would work on my site). So I ask if this second bill could be refunded to me. She goes and talks to her manager and comes back to tell me that “there is nothing they could do because they already let me out of the contract without a cancellation fee”. At this point I ask her if it is CPAY’s policy to charge a cancellation fee to customers who cannot set up the payment solution due to technical reasons and who never get a chance to use the service? She says no, it is their policy to let these customers out of the contract. So I say if that is the case, I did not receive special treatment by letting me out without a cancellation fee. That is not a sufficient excuse to charge me an extra month. She talks to her manager one more time and says that he told her I can try to have the tech team help me connect to the site, if they can then they will credit me back the month. I asked what will happen if they can’t, will I still be credited back the month? She just blatantly says No. At this point I say forget it, just leave me cancelled.

    Now this didn’t cost me a lot of money, but I just thought it was a horrible way to do business and I wanted to recommend that anyone thinking about using CPAY to please look elsewhere. This same situation may not happen to you, but any time you deal with a company that doesn’t care about customer satisfaction eventually you will find yourself in trouble. Their attitude is that they already have you money, why bother trying to make you happy.

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    Mike Massey

    It has only gotten worse. I only hope my comments will save others the hassle and headaches of dealing with these people.

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    Lauren

    ****UPDATE****
    Central Payment Corps was more than willing to work out the issues I had with their billing practices. I appreciate their willingness to make things right with their customers.
    Disregard my previous statement about the company. Thank you.

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    Lauren

    This company charges you even after you have cancelled service. they continue to take money from you r account MONTHS after cancellation!!! Service is TERRIBLE! Fees are OUTRAGEOUS!! Do NOT NOT NOT do business with this company!
    You will get screwed!!!
    We had done business with these people for 4 years, never any charge-backs, no major issues, the first issue I ever had was with a machine which was supposed to be replaced at no charge…They OF COURSE charged me for it. Then proceeded to tack on a monthly insurance charge as well!!! I couldn’t believe it! They make you jump through hoops to cancel services and it’s really just NOT worth it! Too much hassle and the customer service people are RUDE!
    I don’t recommend this service to ANYONE.

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    Yevi Abramovich

    BEWARE !!! Service 0 !!! What ever their reps say is lies. Find different company. Been with them for three year and when decided to cancel because of excessive fees was informed that i have to pay $300 early termination fees (SIGNED FOR 1 YEAR CONTRACT) then faxed them 30 day cancellation notice and they still charged $300. Their customer service is very rude and all they do is transfer from one manager to another. DON’T DO BUSINESS WITH THEM.

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    Tommy Chang

    With every merchant account Central Payment provides the Terms of the Agreement to every single merchant. Although there are terms within the agreement that stipulates contractual length clauses that are to be met by the merchant, Central Payment concluded in reimbursing the $300 to the merchant.

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    Ronald Headley

    I just got off the phone with Central Payment – San Rafael CA – I have been using them as my credit card merchant service for 5 years. I was told that the only way I can cancel is to pay them a $300 early cancellation fee -Early?? I have been with them for 5 years – my original contract was for three years – apparently they renew the contract automatically every year for a year. I am closing my business – apparently they will refund $150 if I get my landlord to send them a certificate that I have in fact closed my business. First why this cancellation fee? Second why should I get my landlord involved? Central Payment is NOT a company to do business with – they will screw you on the front end with high entry fees and an expensive credit swipe terminal, next they will increase their fees and finally when you want to leave they will hit you with a very high fee just to quit using them. Anyone reading this DO NOT GET INVOLVED WITH CENTRAL PAYMENT

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

    Ronald Headley

    Nery Espinal – Merchant Relations – Central Payment contacted me via email today and gave me a phone number. I called and talked with him – Central Payment has dropped the early cancellation fee – and the entire run around about getting a letter from my landlord that I am in fact closing. So my opinion of Central Payment has now changed. I had been with them for five years and had never had a problem – NOW I AM HAPPY TO REPORT that they in fact DO have customer support and ARE willing to make changes. I can once again Recommend them as a company that is able to provide Merchant Credit Solutions for small business
    Here is a copy of the email received —- I will say if you happen to get into any problem with Central Payment that you call Mr. Espinal he certainly made a huge difference for me and my opinion of this company

    It was a pleasure speaking with you this morning. I appreciate your remarks and am glad we were able to correct any misunderstandings. As per our conversation your account has been closed with no cancellation fee. You will only be responsible for the monthly processing fees for the month of October 2011.

    If you don’t mind, please email me when you have addressed the postings online so that I may update my executives. Feel free to keep my information in your records should you find the need to accept credit cards again in the future.

    Best regards,
    Nery Espinal
    Merchant Relations
    Central Payment
    Phone: (800) 449-8012 Ext 7369
    Fax: (866) 618-8284
    Email: nespinal@cpay.com

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    Aaron L. Gravett

    Ronald – thanks for responding to your previous comment. Most would not have done that, but you did. Kudos!

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    Karla Widing

    I too give you a lot of credit Ronald, for updating your post. Most people would just leave their negative comments stand.

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    Tucker Pentz

    I wish I could give Central Payment or CPay 0 stars.

    I signed up with them based on a quote they gave me based on my previous processor with 95% of charges at Mid or Qualified rate . Suddenly with my first bill 90% of my charges ran at the very high Non-Qualified rate. The next month I reverted to my previous credit processing company and the charges were as they had always been.

    I have a subscription service based business and hold the same client credit cards on file which I charge each month.

    When I tried to resolve this I was promised credits and a rate adjustment. I tried them a second time and the rates were the same. I called in and asked how to resolve this and they said I can pay the high rates or pay a huge cancellation fee, “per my signed contract”.

    This company uses a bait and switch tactic. Do not believe anything they say.

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    Tommy Chang

    Mr. Pentz’s merchant account rates were adjusted for October and was issued a retroactive credit for previous months. Credit was posted to the account the following week. If Mr. Pentz would like to discuss this please give me a call anytime at 415-462-8341.

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    Karla Widing

    You state the company uses a bait and switch tactic. Are you sure it isn’t the sales person doing the “bait & switch?

    Though I have not worked for Central Payment long, it seems the “bait and switch” tactic would come from the agent, not the company.

    A merchant’s customer service experience is only as good as the associate who is taking care of your account.

    Although I appreciate your comments, people should put the blame where the blame belongs. Unfortunately, not all sales people have an ethical, accountability. Some sales representatives will go to any length and say anything to get the sales.
    Enjoy working with the Central Payment directors, and sales team.
    Sales Representative in Michigan

    Karla Widing
    Executive Sales
    Central Payment
    kkwiding@gmail.com

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    Victoria Hoffman

    Sorry to say however central payment reps are the most poorly trained people I have ever seen !!! One hand doesn’t know what the other is talking about !!! This company has been nothing but a nightmare for all of us involved !!! Reps make huge promises that are not true !!! When you call the main office they have no clue what your talking about !! Shame shame on central payment for poor business ! I can’t wait to dump them in another year and a half, GOD help them if they try to extend passed my 3 year contract !!

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    Donna

    After reading all the comments here, as an Agent of Cpay for 4 years, I feel the need to respond on the behalf of CPAY.

    CPAY Execs work “VERY” hard to make sure CPAY is the difference in an industry inundated with negativity and unethical practices.

    CPAY is “Intentional” in not wanting to have the negative reputation that many processing companies are willing to settle for as long as they still make money off of you.

    I am happy to work with Cpay because it is one of the FEW companies that exist in the merchant processing industry that IS ethical, demands it from it’s Agents and also offers excellent support, especially tech support. The CPAY Tech guys go above and beyond to solve issues and see them through to customer satisfaction. It is not a perfect world though. And, just as in your own business, there are days they are buried busy and every now and then a tech thing that has a quirk (it is technolgy after all). Sometimes tech issues have “nothing” to do with the processing company – it has to do with your phone lines or phone service and the tech guys “still” I have witnessed go above and beyond to not leave you hanging. I had one tech support person even go so far as to call ATT for a merchant to have them check for “noise” in the line because the phone company said the line was “fine”. It was “fine” but the noise in the line conflicted with the signals the credit card machine was trying to send. A+ went to that tech guy that day and … fyi… it was a Saturday.

    I know firsthand of Agents that are Independent Contractors that Cpay has released because their lack of integrity did not agree with CPAY High Standards. My first week, someone forged a signature – CPAY let that agent go.

    Forging by unethical agents is ridiculously common in this industry. CPAY does not tolerate such.

    But, you know what, if I were a merchant and I was going to agree to signing up for a service, I would make darn sure I didn’t let Joe Schmoe who I just met leave with all my personal information without leaving me a copy… OR – faxing it directly to his company without faxing it from my fax machine and leaving me the originals so he didn’t have a chance to change agreed upon terms.

    Don’t blame the company. Don’t even blame the Agent if you allowed him out the door of your business without making sure you were in control of what would be ending up on the other end at the processing company and ultimately affecting your rates or bank account. .. Or making sure you got a copy of what you signed and agreed to… OR if you signed without reading what you agreed to. THIS happens all the time with merhants. I make my merchants slow down and read the contract so they DON’T come back at me later and blame me for their lapse in doing so.

    BUT – I am an ethical Agent and have entire towns of merchants that will NEVER switch from Cpay because it is not just about me or the rates, it is the whole experience.

    I’ve been at merchants as they call other companies and get passed around or put into voicemails or put on hold for a good hour. This simply does not happen at Cpay. Real people answer the phone and no one passes anyone around – resolution is offered as quickly as possible.

    First, this is an outstanding company that “expects” integrity and excellence, no matter whether you are an independent contractor out soliciting accounts on their behalf or an employee on the back end support services.

    The first day I did this job (I had no idea what I was getting myself into) I walked into a merchant’s business and he said “get out! I hate you people”! WHY – Because a Sales Rep from another company lied to him and signed him into a 4 year non cancellable lease on a pin pad for $39.99/month … and told him he was getting it for free.

    No matter “which” processing company you are dealing with, often it is not the company that is the issue when it comes to non-disclosure or lying. It is usually the Agent Sales Rep that lacked integrity and was out for a fast buck and had no intention of ever having you see him again. These guys cause the “good companies” such as CPAY and the “good” agents just as much headaches as the merchants – they make it difficult for all of us to do business.

    I know “for a fact” that Central Payments Application “Intentionally” has in BOLD PRINT in a BOLD OUTLINED BOX “ALL” the terms of the merchant agreement FULLY DISCLOSED.

    If you CHOSE to sign a contract without reading it, or allowed a Sales Rep to rush you into signing something that affected your business, don’t blame Central Payment.
    Ever hear of the saying “Buyer Beware – don’t sign something without reading it?” And for those of you ready to rush a company into court, did you read what you signed and did you make sure you got a copy of it where you verified what you agreed to with an Agent?

    Also, after receiving applications, Central Payment “makes sure” Underwriting calls merchants to verify applications to make sure their Agents are acting with integrity on Cpay’s behalf. “4” years of working with this company and they “STILL” verify my apps … and I am JUST FINE WITH THAT because I know I am honest and fully disclose, as does the company and my customers welcome the verification after being with previous companies that don’t give a hoot if someone lacks ethics as long as they get their hand in your bank account.

    I have “left” contracts with merchants for a good month and patiently waited for them to make sure they read every word – those merchants have never complained because they made it their responsibility to make sure they handled what affects their business.

    Some merchants just sign and don’t read – I don’t rush anyone. They later take it out on the company when they decide to break their contract and accuse the company of being thieves when it is clearly boldly written above their signature what they are agreeing to.

    Also, if you had a billing issue…were you willing to let an error be fixed or did you call up and immediately blast the person with abusive language who happened to be lucky enough to answer your call before you gave them a chance to work out the issues to help you- and – did you give ample time to research problem or did you call back with threats?

    By the way, THAT merchant that I walked into in September of 2007, signed up with me and CPAY this past January because he could verify with his entire town the kind of company CPAY is in comparison to so many other bad companies that are out here and the service CPAY gives. Many of my merchants who have been through bad experiences will NEVER switch again after their positive CPAY experience.

    Most merchants are also realistic that it is not a perfect world and we are in a day and age where pmnts and everything on an account is done electronically and mistakes can happen. It happens with banks, everywhere.

    Also, employees, just like in your business, are human, and every once in a while may drop the ball or have an off day – could be due to a day where they were just buried in customers and they oops’d on you – I’m sure not intentional.

    One person who may have a bad day does not make an entire company any more that one employee in your business determines the quality of your business. AND, does not make a company a bad company that gives poor service.

    Unethical Agents also do not make for an unethical company.

    There is no business on the face of the earth that can please everyone all the time and sometimes it is the customer that just doesn’t want to take responsibility for being lax in reading a contract.

    Sometimes, stuff happens and it is difficult to please a customer to the customers expected satisfaction level.

    I’ve gone into businesses where merchants signed up with a different CPAY Agent and are mad at CPAY and complain. When I take the time to hear them out, it usually comes down to the signing Agent did not give the service he promised or disappeared. THAT was an individual doing the wrong thing… NOT the company and NOT all the other Agents.

    WE all pay for people that don’t do the right thing – even CPay.

    BTW – They guy who said he was “shocked when he saw the contract they sent you”… Didn’t you read and get a copy of the original before signing it? If so, if it did not match what you later received, I guarantee if you produced the original, CPAY would have immediately rectified the situation and also addressed it with your Agent.

    124 complaints for a company with 40,000 merchants I’d say is pretty darn impressively good sign of a business that does the right thing.

    Donna Gilchrist
    Acct Exec – Central Payment Corp
    203-826-4509

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    Aaron L. Gravett

    Very well written Donna!

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    Gus A.

    Totall rip off. I have never experienced a fraud and bad service as Central payment in my entire experience with merchant companies. this has to be one of the biggest rip off. They don’t disclose fees. promised to beat your existing rates but never do. pull money from your account with out your knowledge and the list goes on. Forges signiture on applications and refil contracts. I was shocked when I saw my contract that they sent me. As Mr schmeltz said above. Run don’t walk.

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    Christopher DeLancey

    Gus,
    I am sorry that you feel this way, but I am an Independent Contractor for C PAY and they do provide the lowest rates. Our promise is that if we can not save you more money than you are currently paying with your current provider, we will give you $250! As far as pulling money from your account with out your knowledge and forging your signatures is NOT what CPAY does. Please back up your comments. If you feel like you have been “ripped off” contact your consultant or call CPAY directly and they have no problem resolving the issues you may have.

    Christopher DeLancey
    Independent Contractor
    CPay

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    JSchmeltz

    Current customer of CPC and I can tell you they are NO 4-Stars. More like 1.5 stars. The majority of the time, no one knows what they are talking about and they are all very good at making up answers and that’s the department manages. My rep just lies and has since the day we signed up. Our fees were not disclosed properly when signing up and therefore the past 2 years we have been stuck overpaying for the majority of our transactions. Promises promises promises… that’s all I’ve heard for the past 2 years. I had (2) accounts of different types and it took (4) months to get them to cancel the first one and that was with a waiver signed that I can cancel at any time. They have fees they charge that no one seems to know what they are for. A little for this and a little for that. Don’t walk away, RUN!

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    Tommy Chang

    JSchmeltz,

    Can you please call me at 415-462-8335 x7115 so I may get a better understanding as to what took place? Or, may I have your business name? I would like to make sure this gets addressed internally and help resolve any outstanding issues you may have. I apologize for the experience you have, it certainly is not what our service department stands for.

    Regards,

    Tommy Chang
    Operations Manager

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    Dustin

    I totally agree with you!!!!!!! I have been dealing with a dispute for a months now and still have yet to see my issues resolved.

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    Gwendolyn

    I found this helpful. Thank you for a concise, easy to read and understand review.

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    Merchant Maverick Admin

    No problem Gwendolyn. You’re welcome!

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    Dan

    they have a testimonials section up at http://www.cpay.com/testimonials.php

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

    The Merchant Maverick

    Nice! Thanks Dan.

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

    arthur kiewert

    this site has been very very helpfull. thank you so much

    5

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

    JD

    I have to wonder how much they paid you to write this review.

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

    The Merchant Maverick

    As you can see here JD, I don’t take kick-backs in return for writing a good review. I’d be interested to hear why you’d wonder what it is that you’re wondering.

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

    Bill Scudder

    You say you don’t find Merchant complaints But I have found dozens of them. Apparently you did not search for them

    Bill

    1

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

    Merchant Maverick Admin

    Bill,

    Thank you for the comment, but I need details.

    I’d be more than happy to be proven wrong, because as you might know, I don’t have any problem with updating my reviews, and/or lowering a providers rating based on facts that I might have missed. But, it’s incredibly hard for me to give your comment any credibility whatsoever when you don’t provide me with any sort of fact based information. Give me links, give me information, that is what will give your comment validity, otherwise I’ll have to disregard it, or worse, delete it.

    I’ll give you a few days to respond with some good info for all of us. In the meantime, I’ll revisit the review to see if I missed out on anything.

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

    Dustin

    Heres a story for you!! They said they were going to take care of billing dispute in which they overcharged me, as a result I incurred a number of overdraft fees, and NSF fees because of all of the other charges they were trying to charge me. Luckily they didn’t get that money or might be in court trying to get it back because obviously they don’t know what it is to take care of something in a timely manner. Over three months to give me an explanation of what I was being charged for only for them to say “ooops we did over charge you” and the cost incurred outside of what they have over charged me has still not been resolved. I will say this is the only thing they have going for them, their Owners of the company list their emails, as soon as I cc’d him the first time this issue was supposed to get resolved immediately, he just ccd me in an email telling his employee to resolve my issue, I have not decided yet wether or not it is all just a day late and a buck short.!!!

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

    Bobbi Smith

    I have just experienced the MOST absurd thing with Central Payment Processing.
    I processed 3125.00 in the month of April 2012. When my monthly fees were debited from my business checking account the amount debited was 4554.08 on 5-02-2012. Should have been 96.00. When i called to ask for an explanation i was told: OH! sorry that is clearly a mistake on our backend. We will correct and pay any bank device charges you may incur. I spent two miserable days trying to resolve and get straightened out. (losing that much time I could have been working in my business Thought all was well again. BUT
    was just notified by my bank that they have debited my account for 4554.08 AGAIN today 5-07-2012. This will certainly be the last straw with them. I will either STOP accepting credit cards or find an HONEST processor.

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

    BFS

    So, you are not happy with their services… right? There is a sales guy trying to show me how good they are… He has been here at my office asking for info from my acual credit card processor…

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

    Ej

    You need to review central payment and update the info, they no longer use wells fargo and the have merge with tsys

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

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