Central Payment (CPAY) Review

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Date Established
2005
Location
San Rafael, California

Pros

  • Month-to-month billing with no long-term contract
  • No early termination fee
  • Processing equipment available for sale
  • Interchange-plus pricing available

Cons

  • Tiered pricing used as default pricing model
  • Three-year contract required for free terminal
  • High use of independent sales agents
  • Poor customer service and support

Overview

Central Payment (CPAY) is a merchant services provider based in San Rafael, California. In 2000, identical twin brothers Zachary and Matthew Hyman founded California’s CardPayment Solutions, Inc. 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, the brothers were back in the industry, forming CPAY in 2005.

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 75,000 merchants.

In August of 2012, CPAY sold 60% of the company to TSYS Merchant Services (see our review), 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.

While the company’s initial growth rate appears to have leveled off, they’re continuing to improve the overall quality of their services. Month-to-month contracts with no early termination fee (ETF) are now standard, although you’ll still have to agree to a three-year contract if you want a “free” terminal included with your account. We’ve also noted a sharp downward trend in the number of complaints against the company, suggesting that their customer service is improving.

These are all positive signs for CPAY, but there are still problems that you should look out for if you’re thinking of signing up with them. The company offers both tiered and interchange-plus pricing, but appears to push the more expensive tiered pricing model unless you specifically ask for interchange-plus. Regardless of your processing volume or the length of time you’ve been in business, we highly recommend that you ask for interchange-plus pricing. You’ll save money and have a much more transparent view of where your processing charges are going. They also continue to rely heavily on independent sales agents, so it’s not surprising to see that a significant number of complaints against the company allege dishonest and unethical behavior on the part of these agents.

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 put a serious dent in their overall score. All these problems are, unfortunately, quite common in the processing 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 & 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 conceivable industry, 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 Merchant Services (see our review), their parent company, as their backend processor.
  • Terminal sales: CPAY offers a small, but powerful line of credit card terminals, including the Verifone Vx 520 and wireless Verifone Vx 680, both of which are EMV-compliant and also support NFC-based payment methods such as Apple Pay and Google Pay. Pricing is not disclosed, but these terminals come with the TSYS software load already installed and should be good to go right out of the box. Terminals are available for purchase (pricing is not disclosed), or you can include a “free” terminal with your account in exchange for signing up for a standard three-year contract. We recommend buying your terminal, as you’ll have month-to-month billing and you’ll be able to take your terminal with you if you decide to switch processors. CPAY’s latest contract no longer includes a leasing option, which is a very positive improvement. We don’t recommend leasing under any circumstances.
  • Payment gateway: For eCommerce merchants who need a payment gateway, CPAY will set you up with Authorize.Net (see our review). While they don’t disclose pricing, you’ll probably save money over signing up with Authorize.Net directly. In most cases, you’ll also avoid the need to change gateways if you later decide to switch to a different processor.
  • Virtual terminal: If you need a virtual terminal to use your existing computer as a processing terminal, CPAY partners with PayHub to offer this service. You can input transactions manually or purchase a USB-connected card reader separately. The PayHub virtual terminal costs $5.00 per month. Retail merchants will also pay an additional $0.04 per transaction.
  • POS software: For retailers, CPAY offers the RiO POS system. Options include the basic RiO terminal, the RiO Pro, or the RiO Restaurant models. The RiO Restaurant POS terminal requires a $70 monthly service fee. Pricing is not disclosed for the other options.
  • Mobile processing: Like most providers these days, Central Payment offers a simple mobile processing system that’s similar to Square (see our review). CPAY Mobile allows you to accept payments through your existing tablet or smartphone. They 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. They’ve also just released the SwipeSimple Swift B200 EMV Card Reader, which accepts both EMV and magstripe cards. This reader connects via Bluetooth, so it will work with newer phones that don’t have a headphone jack.
  • Rewards/marketing software: CPAY offers their RiO Connect system, which works with SpotOn and offers digital marketing, reputation control, and customer loyalty services. SpotOn works with a dedicated tablet and costs anywhere from $0.00 to $99.00 per month, depending on the number of customers you need to include.

Fees & 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 revealing 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 no longer includes a fixed account setup fee, but they’ve charged as much as $195.00 for this service in the past. Apparently, agents were free to waive the fee upon request, and so many were doing so that the company decided to drop it altogether. This doesn’t mean you’re guaranteed not to be charged this fee, however, so review your contract documents carefully and request a waiver if an agent tries to add it to your agreement. We consider account setup fees – especially exorbitantly high ones like this – to be “junk” fees, and CPAY is following a growing trend within the processing industry to do away with them.
  • Statement fee: This fee used to be fixed at $9.50 per month, but now it’s apparently up to the agent’s discretion. With account statements now moving online, there’s no reason to have to pay this fee.
  • 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 companies should ask to have it lowered or waived altogether.
  • PCI Compliance fee: CPAY has recently raised their PCI compliance fee from $45.00 per year to $95.00 per year, regardless of whether you’re in compliance or not. If you’re not compliant, you’ll also be charged an additional $23.95 per month as a PCI Non-compliance fee. While these fees are in line with industry averages, you’ll definitely want to make sure your account remains PCI compliant. Note that you can now complete your PCI Self-Assessment Questionnaire (SAQ) on CPAY’s website.
  • Card Compromise Assistance Plan fee: For accounts that are PCI compliant, this optional program adds $100,000 in data breach insurance and additional security features for $7.95 per month. For more details see the Card Compromise Assistance Plan page on CPAY’s website.

There are also several incidental 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 & Early Termination Fee

CPAY now offers month-to-month billing with no early termination fee (ETF) as a standard contract feature. In the past, however, their contracts ran for an initial term of three years and had an automatic renewal clause that extended the contract for one-year periods after that. They also included an ETF that was prorated based on the length of time remaining in your contract, and could be as high as $550. If you’ve been with CPAY for a long time, we recommend that you re-negotiate your contract to drop the automatic renewal clause and the ETF.

Note that, while month-to-month billing is a great feature, you’ll still have to provide 30 days’ notice if you want to close your account. You’ll probably be billed any monthly fees that come due during the 30-day period before your account actually closes. Also, you’ll still be under a three-year contract if you take advantage of CPAY’s “free” terminal offer, which includes a single credit card terminal with your account at no additional charge. The terms of this offer are spelled out in the company’s Application and Agreement:

The undersigned MERCHANT agrees to pay Shipping & Handling on the initial shipment of the designated FT equipment below. Upon request of termination of services prior to the completion of the 36 month equipment commitment, the undersigned MERCHANT agrees to return all provided equipment to Central Payment within thirty (30) days or will be subjected to the debit for the amount of $395 as cost of provided terminal and $200 for the cost of provided PINpad. Merchants using a FT wireless terminal will be subject to the monthly wireless fee as well as a $59 Annual Fee. Merchant is responsible for any local Sales or Use Tax on the cost of the equipment and will be debited separately once equipment is shipped.

As with any provider, we highly encourage you to review all contract documents very thoroughly before signing up for an account. Both the Merchant Application & Agreement and CPAY’s Terms and Conditions are available for your review on their website. Note that the Application does not list actual processing rates or some fees, as these are highly variable and subject to negotiation.

Sales & Advertising Transparency

The Central Payment website is very professional-looking and visually appealing. Unfortunately, the site’s primary content is quite sparse. There are a few educational resources available and brief descriptions of the company’s products and services, but you’ll really have to hunt around to find details such as the contract documents listed above. Processing rates are not disclosed, mainly because these are highly variable based on your monthly processing volume and other factors. CPAY also doesn’t prominently advertise its fee schedule, although you can find information on some fees from the contract documents listed above.

CPAY doesn’t use many of the misleading sales gimmicks that a lot of other providers do, which is commendable. They don’t offer teaser “rates as low as…” quotes that mislead you by only quoting the lowest possible rate. Their “free” terminal offer, while not prominently advertised on their site, can be a reasonably good deal if you don’t mind incurring a three-year commitment. However, you’re almost certainly better off buying your terminal outright and keeping the flexibility of month-to-month billing.

The company does have a problem with the quality of service provided by some of 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 & Technical Support

CPAY offers telephone support on a 24/7 basis, and also email support. Chat support is currently not available on 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 & Complaints

Central Payment has been accredited by the BBB since 2006 and has an A+ rating. They currently have 122 complaints filed within the past three years, with 17 of those complaints being filed within the last twelve months. This is a dramatic decrease from our last update, when they had 170 complaints within three years and 41 filed within the previous twelve months. CPAY is a fairly large processor and is naturally going to receive its fair share of dissatisfied customers, but it’s a good sign that their complaint volume has steadily decreased over our last several review updates.

CPAY also has 51 reviews filed on its BBB profile. Of these, 46 were negative, three were neutral, and three were positive. This isn’t all that surprising, as the BBB exists primarily to collect negative information about companies. Merchants looking to praise them aren’t likely to use the BBB as a venue for doing so. The company appears to have responded to every complaint in an effort to resolve the issue. Unfortunately, they were only successful in 29 cases out of the 122 complaints currently on file.

CPAY also has seven 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 merchants’ bank accounts for months after their accounts were closed. Unfortunately, these are all very common issues throughout the processing industry. Some of the most common complaints made against Central Payment include:

  • PCI compliance fee/non-compliance penalties: While processors aren’t required to charge you for PCI compliance, most of them do. CPAY’s annual fee of $95.00 is very close to the industry average. However, charging $23.95 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. Still, I think sales representatives need to disclose PCI compliance and related fees during sales talks. Not doing so leads to very unhappy customers.
  • Terminal leasing contracts: CPAY seems to have abandoned the practice of leasing processing equipment, but there are still some older complaints about issues related to this practice. Equipment leases have traditionally been a very bad deal for merchants, so we’re glad to see that the company has had a change of heart. Just be aware that if you want a “free” terminal included with your account, you’ll have to sign up for a traditional three-year contract instead of month-to-month billing. For most merchants, buying your own equipment and keeping a month-to-month contract will be less costly and provide you with more flexibility to change providers if CPAY doesn’t work out well for you.
  • Difficulty 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 an issue, 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 & Testimonials

Central Payment has five really professional testimonials on their website. You’ll find thirteen others on YouTube. While the latter videos are not as polished and are all over five years old at this point, they actually seemed more authentic. 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 serve you better?
  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 that 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.

Final Verdict

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 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. While it’s decreasing, their relatively high complaint volume also weighed against them. Many of the recent complaints indicate that the tactics employed by independent agents are still causing problems for merchants.

Overall, CPAY rates 3.5 out of 5 stars. As a joint venture with TSYS, they have access to the resources needed to improve their service, both for their merchants and for their own benefit. Transitioning to a full-time sales force and improving customer service would help them to score higher in a future review update.

If you’d like to see what the true 5-star merchant account providers have to offer, take a look at our Merchant Account Comparison Chart. For an overview of the best providers for small businesses, check out our article The 5 Best Small Business Credit Card Processing Companies.

Frank Kehl

Frank Kehl

Frank Kehl is an independent writer, editor, and blogger with an endless fascination for technology and gadgets. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country of California’s Central Coast. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
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110 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    MaLinda Miller

    Organization Name: White Rabbit Skin Alchemy

    in the “Pros” list description, it states there are no early termination fees. This is incorrect, they have very high early termination fees. They also have several hidden monthly and annual fees as well.

    If I could give zero stars, I would. Signing up with Central Payment has been the biggest mistake I have made in my life. I have never experienced with any other company what I have gone through with them. Someone else in the comments described their experience with CPay as “nightmarish”, and nightmarish is absolutely right. The lesson I have learned from my experience with them is never, absolutely never sign a contract. This experience has been traumatic to say the least.

    When I have specific questions that I need specific answers for, they will not answer my questions. They avoid it or they reword my question as their answer to me. Also, every person you speak with seems to explain your contract to you differently. Everyone in their company from the Company Director to the customer service department seems to be trained to do this. They basically lead you into a circular conversation that never resolves anything. I am currently in the process of trying to NOT renew my contract, but no one at their company can tell me the exact date that I can properly do this and not get charged the early termination fee of $375. Also, if I don’t cancel my contract at just the right time, it will go into automatic two year renewal. It sates on my contract that it will go into 2 year automatic renewal, but their Company Director is trying to tell me that it only goes month to month. One would think that legally, the company has to provide a date or window of time where one can not renew their contract, yet not get charged an early termination fee nor have their contract go into auto renew. No one at their company will give me a straight answer. At this point, I am hiring an attorney to help me properly end this contract. I never thought I would have to hire an attorney for anything in my life. What ever you do, please do not sign on with Central Payment. There are so many other options out there that are better and have no contracts to sign.

    • Organization Name: White Rabbit Skin Alchemy
    Debra

    Organization Name: New Beginnings

    There’s not enough space here to discribe the nightmarish experience I’ve had with this company. And months later to be charged $200 for supposed equipment not returned. CC SWIPERS…seriously??
    Ripoff artists.
    Shame on you.

    • Organization Name: New Beginnings

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

    Dave

    Organization Name: Maynards Tackle

    Terrible company. Very unprofessional.

    1
    • Organization Name: Maynards Tackle

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

    Traci A.

    Organization Name: Central Payment

    Hello Dave,
    I do apologize for the unprofessional service you may have experienced. I would like to discuss any unresolved issues you may have with Central Payment.
    Please give me a call at 1-800-449-8012 ext 7610

    Thank you,
    Traci A.

    • Organization Name: Central Payment

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

    Shelly Bishop

    Organization Name: Bishop & Morgan Insurance

    Stole money out of our account. This company is a FRAUD. DO NOT USE!

    1
    • Organization Name: Bishop & Morgan Insurance

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

    Traci A.

    Hello Shelly Bishop,
    I do apologize you feel Central Payment stole money from your account. I would appreciate if you could give me at 1-800-449-8012 ext. 7610 to discuss your account and come to a resolution.

    Thank you,
    Traci A.

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

      Abner

      Organization Name: screen printer

      i signed up with them 2 months ago and after my first big sale of $7500 they charge 3.98% which way way high. i was with square and i was paying 3.75% but the sales person showed me her flyerwhere i was going to pay only 3% if i keying the card and 1.90% if i swipe the card. why would i switch to another company to pay more. i canceled my account with them after that. what bothers me its that i have topay to return the card reader when it wasnt my fault that i cancel… tatally dont recoment Cpay for car proccessing..

      1
      • Organization Name: screen printer

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

      Kim S

      Abner,

      Central Payment has a price match guarantee program so that we make sure our merchants are set with the best pricing. Allow for us to review your account and make any necessary adjustments. Please give me a call at 1(800)449-8012 x7318 and allow me to further assist you.

      Thank You
      Kim S.

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

        M

        The $195 fee is not Junk fee. It pays for the Representative time, Representatives may have to visit the merchant several times during the consultation phase /closing phase. This fee also pays for the Representative’s time when the representative has to make several trips to the merchant ( Which includes gas and time) through out the year. Since you are not a working representative how can you make these assumptions that the $195 fee is junk fee?? That’s a major wrong assumption. Who do you know in this day and age will give their free time ( hours ) to anyone?
        Lawyers and consultants certainly don’t.
        Your negative review of Central Payment is way off!

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

          Tom DeSimone

          Hi M,

          Representatives are compensated through residual payments and signing bonuses. It’s not fair to say that there needs to be an arbitrary $195 fee to compensate the salesperson for his/her time. Many people in sales across a variety of industries spend tons of unpaid time in hopes of closing a sale. If they are paid for this time, that payment had ought to come from the company whose product is being sold, not from the customer via a flat fee. Lawyers are not paid on the same basis as salespeople. It’s a totally different industry.

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

            Steve

            I am retiring and terminating my contract with Central Payment Systems for cc processing . I have initiated the process but received notification to return equipment which I will but they are including a mobile swipe plug that I never asked for, don’t know where it is and never used. They want to charge $200 for just this item . Need advice

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

              Jessica Dinsmore

              Hi Steve,

              Very sorry to hear about this. Unfortunately, there’s really nothing we can do. This is something that only CPAY can help you with.

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

                Kim S.

                Steven,

                Per our conversation on 8/1/17, this has been resolved.

                Thank You

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

                  Charles

                  They are scammers. Monthly fees are more than I was told.

                  1

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

                    David H Louie

                    The salesman promised $600 per month savings. He promised $650 to defray the cost of switching to Central Payments. After we switch then I get a paper saying that I need to be with the company for 3 years to get the $650. I didn’t save a thing. On the contrary I ended up paying a lot more than I was paying. Customer service is a joke. I called up the salesman and he gave me a number to call since I was upset at having to pay more for credit card processing. I call the number and after waiting 15 minutes on hold I gave up. I have to say they did give me some of the money I overpaid back. But even with the refunds I was still paying more than what I was paying before. They guarantee savings or they will pay $1000. It will be a surprise if they make good on the promise. Nothing they have promised has come true so far. Stay away from Central Payments.

                    1

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

                      Kimberly Solis

                      David,I apologize for the experience you’ve had with Central Payment. We value your business and want to make sure any concerns you may have get addressed. I would like to go over your account, Please give me call at 1(800)449-8012 x7318 .Thank You Kim S.

                      5

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

                        Chrystie Marden

                        Central Payment is the worst processing company. Do your research before letting a salesman tell you that this is the best rate and service you will get. There are better companies out there, that do not have salesman that provide shady service. Our salesman talked us into getting a cool terminal under contract, and promised us, PROMISED US, that he would have the lease terminated in 6 months. Our terminal came, and we could not use it in our building, and our salesman got on the phone and worked with the company, and said he would figure something out and be back with us. Then, we got our first payment taken out for the lease, and it was over from there… He never called us back, and when we went to Central Payment directly, he then called back and said he was working on it, and it would take a bit of time, and not to go to them because it would mess up what he was working on. Finally, we called the leasing company, and…. because we had already been charged our first payment, we could not get out of the lease. And…. if we had said it wouldnt work the day we set it up, and that we needed to cancel, they could have cancelled the agreement. Wonder what kind of commission our salesman got for the $4k brick that sits in the closet. I wish I could follow the salesman to each of his prospective clients and let them know what kind of shady service he provides. We moved to Basys, and couldnt be happier.

                        1

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

                          Kim Solis

                          Hi Chrystie,

                          Please give me a call at 1(800)449-8012 Ext:7318 to answer any questions you may have in order to resolve your concern. I apologize for the experience with Central Payment. I would like to make sure this gets addressed.

                          Thank You,

                          Kim Solis

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

                            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 NYI’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.

                              Kimberly Solis

                              Felix,

                              I apologize for the experience you had with Central Payment. Please give me a call at 1(800)449-8012 x7318 to address any concerns you may have.

                              Thank You

                              Kim Solis

                                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

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                                    Sandy Carrano

                                    Sandy,

                                    I would like to review and answer and questions you have in regards of your account. Please call me at 1(800)449-8012 x7318.

                                    Thank You

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

                                      Kimberly Solis

                                      Sue,

                                      I would like to review you account and answer any questions you may have. Please give me a call at 1(800)449-8012 x7318.

                                      Thank You

                                      Kim Solis

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                                        kenny

                                        they suck……………

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                                          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

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                                            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

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                                              Kimberly Solis

                                              I apologize for the experience you had with Central Payment. If you have any questions please give me a call at 1(800)449-8012 x7318.

                                              Thank You

                                              Kim Solis

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                                                fredrick andrews

                                                thank you, good stuff

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                                                  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

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                                                    Kimberly Solis

                                                    Angela,

                                                    I apologize for the inconvenience you had with Central Payment. I would like to review your account and address your concerns. You can reach me at 1(800)449-8012 x7318.

                                                    Thank You
                                                    Kim Solis

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                                                      Linda

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

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                                                        Kimberly Solis

                                                        Linda,

                                                        If you have any concerns and would like to review your account. Please give me a call at 1(800)449-8012 x7318.

                                                        Thank You

                                                        Kim Solis

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                                                          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.

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                                                            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

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                                                              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.

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                                                                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?

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                                                                  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

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                                                                    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.

                                                                      Kimberly Solis

                                                                      Kevin,

                                                                      Please give me a call at 1(800)449-8012 x7318 so we can review your account and clarify charges.

                                                                      Thank You

                                                                      Kim Solis

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                                                                        Le Nails Spa

                                                                        This company Central Payment is the worst ever, I was withheld of my funds by 28 percent of my processing funds for 1 month without anyone notifying me that the federal gov is missing my Fed ID or is wrong one when intially apply. It was going on for 1 month and funds was missing and i cough it trough my bank. Unbelievable company running a credit cards processing. Not realiable at all.

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                                                                          Kimberly Solis

                                                                          I apologize for the inconvenience. Central Payment values your business. Please give me a call at 1(800)449-8012 x7318 with any concerns you may have regarding your account.

                                                                          Thank You

                                                                          Kim Solis

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                                                                            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.

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                                                                              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

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                                                                                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 🙂

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                                                                                  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!!!

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                                                                                    Kimberly Solis

                                                                                    Allen,I would like to review your account and assist with clarifying any concerns you may have. Please give me a call at 1(800)449-8012 x7318. Thank You Kim Solis

                                                                                    5

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                                                                                      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.

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                                                                                        Kimberly Solis

                                                                                        Mike,Thank you for your business. I apologize for the experience you had with Central Payment. We are here to work with you in the future. If you have any concerns, please give me a call at 1(800)449-8012 x7318.Thank You Kim Solis

                                                                                        5

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                                                                                          Allen Saltzman

                                                                                          This is far and away the worst merchant company I have ever dealt with – and I’ve dealt with many. First of all, they increased my rate without telling me. When I called them on it, they admitted it, told me I was getting a refund – and then gave me the run-around. After I cancelled the account, they continued to charge me.USE ANOTHER COMPANY, there are so many better options. They have absolutely no integrity.

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                                                                                            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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                                                                                              Kimberly Solis

                                                                                              Maureen,I apologize for the experience you had with Central Payment. We are here to work with you in the future and make sure all concerns are addressed . If you would like to discuss further, please give me a call at 1(800)449-8012 x7318. Thank You Kim Solis

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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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                                                                                                    Kimberly Solis

                                                                                                    John,I apologize for the the experience you had with Central Payment. We make sure internal errors get handled as well as taking responsibility. If you have any concerns, please call me at 1(800)449-8012 x7318. Thank You Kim Solis

                                                                                                    5

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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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                                                                                                        Kimberly Solis

                                                                                                        Rita,Central Payment will honor what appears on a contract. Any agreement that is included on a contract we are responsible for. I apologize for any misunderstanding you had with the agent. Please keep in mind we are here to work with you in the future. If you have any questions, you can give me a call at 1(800)449-8012 x7318. Thank You Kim Solis

                                                                                                        5

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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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                                                                                                                                                      tony hoyt

                                                                                                                                                      Central payment are nothing but a fucking ripoff. They came to my business at a time when i was disgusted with the rates i was paying my merchant services provider.
                                                                                                                                                      Their salesman qouted better rates and promise no cancellation fees if i wasnt happy.
                                                                                                                                                      The 1st month statment showed an increase in fees of .73 % over my prev. provider. I called and complained and was told they would correct the problem .
                                                                                                                                                      Next months statment show a reduction of .02%. Again i called, this time i was told they would look into the situation. never heard back for a month, so i fax a letter of termination as i was instructed to.
                                                                                                                                                      I open a new acct. with wells fargo and the rates have been as promised.
                                                                                                                                                      Now 2 months later my bank acct. is deducted $550 for “no activity & early termination” and C-PAY will not anser the phone nor return my messages at the # they provided.
                                                                                                                                                      I will copy & paste this on every site i can find about c-pay

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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

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                                                                                                                                                          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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                                                                                                                                                                                Vicki Olson

                                                                                                                                                                                I have been overcharged by Central Payment Corporation for over a year on an internet access account that was never to have been activated in the first place. In an effort to get my charges refunded, I have stupidly continued using them for my business. I have talked to every customer service rep, cancellation rep, written letters and emails. Now I am on a quest to make sure EVERYONE in the business field knows of their fraudulent operation and total lack of customer service. I am looking for a new credit card processing company and will file legal complaints to every office in the California government that might have an impact on checking the fraudulent business practices of this company. Headquarters are in San Rafael, California. DO NOT USE THEM!!!

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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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                                                                                                                                                                                        Merchant Maverick Admin

                                                                                                                                                                                        Rob,

                                                                                                                                                                                        I almost didn’t allow this one to go through, because it’s tiptoeing on one of my guidelines, but since it is public information, I’ll allow it.

                                                                                                                                                                                        With that said, I know these are some of the same guys that are running Central Payment Corporation. I was well aware of it when I wrote my review, but I’d be a hypocrite if I was to hold them accountable for past mistakes. Additionally, as Vicki sates, there are always two sides to a story, so I’ve chosen to focus mainly on how CPC is being run, and the performance of the company itself will determine the rating they receive on my site.

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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

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                                                                                                                                                                                                The Merchant Maverick

                                                                                                                                                                                                Nice! Thanks Dan.

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                                                                                                                                                                                                  arthur kiewert

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

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                                                                                                                                                                                                    JD

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

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                                                                                                                                                                                                      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.

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                                                                                                                                                                                                        Bill Scudder

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

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                                                                                                                                                                                                          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.

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                                                                                                                                                                                                            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.!!!

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                                                                                                                                                                                                              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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