Flagship Merchant Services Review

Need Help Choosing?

Click Here

Date Established
2001
Location
Charlestown, MA

Overview:

Flagship Merchant Services is a merchant account provider headquartered in Charlestown, Massachusetts. First established in 2001, the company was later acquired by iPayment in 2012. Today, Flagship operates mostly as a reseller for iPayment, and many of the products and services the company offers are actually provided by iPayment.

This business arrangement has had its advantages and disadvantages. On one hand, the tighter integration between Flagship and its processor should, in theory at least, smooth out some of the miscommunications and finger-pointing that often occurs between merchant account providers and their third-party processors. In actual practice, however, this hasn’t always been the case. Flagship experienced a surge of merchant complaints shortly after its merger with iPayment, possibly due to the numerous corporate changes that inevitably come with an acquisition. Things seem to have been smoothed out by now, although the company still has a rather high complaint volume for a business of its size.

Flagship was one of the first of the traditional merchant account providers to offer free account setup, with no application or account setup fees being charged. The company was also among the first to offer true month-to-month contracts, with no early termination fees for closing your account. While very few merchant account providers charge account setups fees anymore, the absence of an early termination fee (and the long-term contract that goes with it) is still relatively rare among the larger providers, and is one of Flagship’s most attractive features.

For eCommerce merchants, Flagship will waive your Authorize.Net gateway setup fee (normally $49.00 if you go with Authorize.Net directly). They’ll also set you up with an online shopping cart for free. If you need mobile processing, they also offer a free mobile swiper and app. While free to set up, these features still come with monthly fees, so you’ll have to do the math and compare your anticipated costs with that of other providers. Overall, the company provides a fair value for what they charge. I’m not crazy about Flagship’s annual PCI compliance fee or monthly minimum requirement, but these are industry-standard fees that you’re likely to encounter elsewhere as well. The PCI fee comes directly from their processor, so don’t bother trying to negotiate it.

Flagship signs up tens of thousands of merchants each year, so complaints are always going to come up. Some complaints are isolated incidents, while others are parts of larger trends. The most notable trend in complaints I’ve seen from merchants using Flagship regards fee disclosures (or rather, the lack thereof). Many users state that fees like PCI compliance fees, PCI non-compliance fees, monthly minimums, and non-qualified processing rates were not properly disclosed or explained by sales reps. Other common complaints regard funding holds and sudden, unexplained account terminations. Funding holds and risk management are complex and common issues across the industry, so I usually don’t pass any judgement regarding these complaints without full knowledge of the situations. However, the failure to fully disclose and explain all fees is 100% preventable and entirely unacceptable.

Here’s the good news. Since you’re here reading this article, you’ll get all of the fee information you need to negotiate the best contract terms possible. So while I don’t like to see so many complaints about nondisclosure of fees – and I’m lowering the overall rating to reflect it – if you’re careful during your account setup you can get solid service and great rates from Flagship. Just don’t expect your sales agent to be 100% forthcoming. You will have to assess your fees carefully.

Overall, Flagship Merchant Services rates as a 3.5-star provider at the moment. I love that the company has no early termination fee, and that it does its best to add value to your processing account. Flagship is doing better than average (though not without some troubles), and in many cases they perform very well indeed. Check them out, and please come back to report on your experience.

If you’d like to examine other options, check out our Merchant Account Comparison Chart for a look at some of our favorite providers. You can also try our Merchant Account Finder tool to get matched with the perfect provider for your unique needs.

Products and Services:

Flagship Merchant Services covers all the bases with products and services to support retail, mobile, and eCommerce businesses. Nothing really sets Flagship apart from the pack here. Their website doesn’t provide much more than a cursory overview of their offerings, which include the following:

  • Merchant accounts: Flagship Merchant Services is not itself a direct processor. Since its acquisition by iPayment, Flagship’s merchant accounts are primarily set up through that company. First Data is also sometimes used, especially for older accounts that were established prior to the acquisition.
  • Free credit card terminal: For retail merchants, Flagship will provide one “free” credit card terminal as part of your initial account setup. While you won’t be saddled with an expensive terminal lease, be assured that a portion of your monthly account fees are going toward insuring this terminal and keeping it updated. If you’ve chosen to buy your own terminals (which we highly recommend, Flagship will re-program them for free as part of your initial account setup. The company is currently featuring the Verifone VX 520 terminal on its website, which supports both EMV and NFC payments.
  • Payment gateway/virtual terminal: For eCommerce businesses, Flagship offers a choice of either the Authorize.Net payment gateway or their own propriety Quiq gateway service. Setup of either product is free (a $49.00 savings in the case of Authorize.Net), but you will pay a gateway fee of $7.95 per month thereafter. Both products include an online shopping cart and APIs to customize your site’s integration with the gateway.
  • Mobile processing: If you need to process on-the-go, Flagship will set you up with iPayment’s MobilePay app and card reader. MobilePay is available for both iOS and Android smartphones and tablets, and now comes with an EMV-compliant card reader. While the app and card reader are free, there is a monthly fee for this service. MobilePay also includes the MobilePay Merchant Portal, an online system that offers inventory management, analytics reports, and other features. While it’s not as fully-featured as Square, it’s a nice addition to your Flagship merchant account if you need mobile capabilities.
  • Banq POS: Another iPayment product, Banq POS is an iPad-based POS system that can also run on your iPhone or through a web browser. While it lacks the robust feature set of a full POS system, it’s a cost-effective solution for small or medium-sized businesses.

Fees and Rates:

When you first see the Rates & Fees tab on the top menu of Flagship’s landing page, you might be hopeful that you’re going to get a full disclosure of the numerous account fees and processing rate plans that the company offers. This hopefulness quickly turns to disappointment when you actually click on the tab, which leads to a simple, one-paragraph statement telling you that fees and rates are highly variable, and therefore cannot be disclosed. While it’s true that processing rates are too complex and variable to be fully disclosed, I would like to see Flagship offer some concrete information on the standard fees that all merchants will have to pay for their accounts. As it stands, the only actual number mentioned on their site is a misleading claim that their processing rates start at 0.38% + $0.19 per transaction. This is actually a debit card rate – credit card rates are much higher.

Flagship offers both tiered and interchange-plus pricing rate plans, but will probably try to set you up with the generally more expensive tiered pricing unless you specifically ask for interchange-plus. It’s up to you to negotiate the best deal that you can get, which should include interchange-plus pricing at a minimum. As a general rule, merchants with higher monthly processing volumes will be able to get lower rates.

While Flagship goes to great lengths to tell you about all of the fees they don’t charge you, be aware that most of these fees are only associated with getting your account set up initially. Unfortunately, there is no disclosure whatsoever on their website of any of the monthly and annual fees you’ll have to pay once your account is set up and running. While Flagship’s in-house sales agents generally disclose these fees when you’re negotiating your contract, there are still a lot of complaints from merchants alleging less-than-full disclosure of some fees. As always, be sure to carefully review every word of your contract before signing up to avoid any unpleasant surprises.

Fees you can expect to pay include the following:

  • Monthly account fee. This fee varies, but seems to start at around $7.95 per month.
  • Monthly minimum. Most contracts will automatically include a $25.00 monthly minimum. If your processing volume is low enough to be affected by this fee, you’ll want to negotiate to have the minimum lowered or even waived altogether. Likewise, seasonal merchants should ask to have it waived for the months when they’re not using their accounts.
  • Gateway fee. Expect to pay $7.95 per month for either the Quiq or Authorize.Net payment gateways.
  • PCI Compliance fee. Flagship will charge you $99.00 per year for security scans and other features to keep your account compliant with PCI DSS standards. While this is generally an industry-standard fee, there have been a lot of complaints from merchants about sales agents not disclosing it. Since Flagship uses month-to-month contracts, I’d rather see this as a monthly charge rather than an annual one.
  • PCI Non-Compliance fee. If you don’t take the necessary steps on your end to keep your account PCI-compliant, Flagship will charge you an additional $19.95 per month for being non-compliant. You can avoid both non-compliance and this penalty fee simply by filling out the required PCI assessment survey.

You can also expect to pay monthly fees if you sign up for Flagship’s optional mobile processing or POS services. Miscellaneous additional – and unavoidable – fees include chargeback fees and network fees, such as the Visa FANF. Overall, Flagship’s fees and rates are generally reasonable and compare well with the industry average.

Contract Length and Early Termination Fee:

One fee you won’t have to worry about with Flagship is the notorious early termination fee that many processors charge if you close your account before the end of your contract. The company offers true month-to-month contracts, which is a growing industry trend and one we’d like to see every processor implement.

While having a month-to-month contract should make it much easier to close your account, it’s still not a perfect process. Be aware that some merchants have reported difficulty in closing their accounts, and Flagship has historically blamed the processor for this problem. If this occurs and you are charged monthly fees when your account should have already been cancelled, Flagship will usually reimburse you those erroneous fees – if you complain loudly enough. You’ll want to carefully follow the instructions in your contract for closing your account, including returning all of the “free” equipment you received when you first opened your account.

In part to rectify this issue, in 2014 Flagship instituted a company-wide reporting system for merchant contact. If you contact Flagship for any reason, the contact will be logged and addressed on the same day. This will help to make representatives more accountable for handing account closures in a timely fashion. But remember – it’s up to you to file the actual paperwork. The sooner you send it to them, the sooner your account will be closed.

Sales and Advertising Transparency:

While I have confidence in the sales team at Flagship, and have spoken to their salespeople in the past, I believe that a company’s website sets the tone for how it does business in an overarching sense. This marketing is controlled and decided at the corporate level, making it a good predictor of the general sales practices and attitude.

Flagship makes very few fee disclosures on their website, offering visitors little initial guidance or educational material. The only rate quote provided is a regulated debit quote, which is much lower than the average credit card processing rate:

Rates start at 0.38% + $0.19 per transaction with Free Account Set Up.

Consider now that the average interchange fee is close to 1.8%. They don’t even offer a footnote explaining that this rate will only apply to some debit transactions, nor do they go on to explain how rates are decided anywhere on the Flagship site. While I accept that this is a marketing choice and that – in their defense – debit tends to make up 40-50% of transactions overall, I would rather they didn’t provide any rate quote than a single deceptively low number that is likely to cause at least some confusion, regardless of how thorough the salespeople are on the phone. While this is a low regulated debit quote, that doesn’t necessarily mean that your overall cost will be lower.

Furthermore, although they advertise their credit card terminals with some vigor, Flagship fails to disclose any pricing information. While most providers don’t disclose any pricing information, the best ones do (Helcim and Dharma Merchant Services, to name a couple). While your merchant account does come with one “free” terminal, pricing information would be nice to know for merchants who need additional terminals.

When visiting the Flagship home page, readers might be impressed to see that Top Ten Reviews rated them the number one merchant account provider in the industry for eight straight years. That’s a pretty big deal, you might think. While it certainly seems like a commendable achievement, a closer look reveals that Flagship doesn’t actually link to any of those reviews. That’s probably because they’ve now fallen to the number six position, overtaken by some of our highest-rated processors, including Helcim and Dharma.

On the bright side, I’m glad to see that Flagship Merchant Services uses an in-house sales team for most of its accounts, since independent sales reps are known for unregulated activities and overall poor training. I do still have concerns, however, so if you’ve experienced otherwise, please leave us a comment.

Customer Service and Technical Support:

While Flagship Merchant Services advertises 24/7 customer support, many merchants have reported a lack of overall quality. During business hours you are likely to get in touch with an in-house representative to help you (which is ideal!), but outside of regular business hours you may see a decline in the quality of service. While this is not unusual in this industry, it’s still a little disappointing. Also, in many cases Flagship will have you contact the processor directly, and I haven’t exactly heard stunning feedback about iPayment‘s customer service reps.

I really love that Flagship makes the person who sold you the service your continuing point of contact as a dedicated account manager. Unfortunately, this means that if you get an unresponsive account rep, you could be in for a bumpy ride. While I have every reason to believe that most Flagship reps do a great job, it’s obvious to me that some have been missing the mark. If this happens, I’d encourage you to escalate the matter to his or her manager, and even ask to have your account transferred to a different representative if you simply can’t make it work. At the end of the day, Flagship wants you to be happy. Sometimes you just need to be aggressive to make that happen.

The other good news here is that, as I mentioned earlier, Flagship has instituted a new company-wide customer contact reporting system. This means that your calls and emails are logged and reviewed, and representatives are required to address your concerns the same day you voice them. This added level of accountability has already improved merchant support at Flagship, and I have a good feeling about their future in this regard.

Still, you should be aware that in the past there have been issues, as evidenced by our readers’ comments, especially during 2013.

Furthermore, the FAQ on Flagship’s website leaves a lot to be desired, and it’s the only self-service customer support available.

Negative Reviews and Complaints:

Flagship Merchant Services has only been accredited by the BBB since 2015, and currently has a B+ rating. Unfortunately, this represents a downgrade from the A- rating the company had at the time of our last review update.

Flagship’s internet reputation took a serious hit back in 2013 in the immediate aftermath of its acquisition by iPayment. Since then, the company has maintained a fairly high volume of complaints for a business of its size. Flagship currently has 177 complaints with the BBB filed within the past three years, an increase from the 159 complaints it had during our last review update. 68 of the current complaints were filed within the past twelve months, up from 53 complaints during our last update. In addition to the high complaint volume, Flagship’s BBB profile includes an unusually high number of unfavorable reviews, with 80 customers reporting a negative experience with the company.

You will also find 63 complaints on Ripoff Reports, as well as an ever-growing volume of complaints in our own Comments section below.

Note that some of these complaints are duplicative, as some merchants have copied and pasted the same complaint onto multiple websites. Nonetheless, taken together they point to several common complaints against Flagship, including the following issues:

  • PCI non-compliance fee: While I don’t really like to see this fee at all, especially when you’re already paying a PCI compliance fee of $99 with Flagship – the fee itself is not my problem here. The problem is that account representatives have in the past failed to help merchants avoid this fee in many cases. The cost is an additional $19.95 per month for non-action. But the good news here is that as of mid-2014 Flagship has stepped up its efforts to help merchants avoid this fee by having account reps discuss it with merchants during their welcome call. I’m hoping to see this complaint peter out with time. If you complete the PCI compliance questionnaire, you can avoid this fee.
  • Difficulty cancelling service: This issue comes up over and over again, so I know something is up. Having no early termination fee starts to lose its meaning when you’re paying $50+ per month for a service you’re not using and that you want to get rid of. I’m hoping to see this complaint taper off, since Flagship Merchant Services has taken the initiative to increase accountability and transparency when it comes to account rep and merchant communications. If you feel you’ve been treated poorly in this regard, Flagship will usually give you at least a partial refund. It seems like, as of late 2016, this complaint is on the down-trend.
  • Poor customer service after sign-up: Having your salesperson as a continuing point of contact can make for an overall excellent support experience. Unfortunately, this is not always the case. When your account representative becomes unresponsive, it can be a nightmare. While Flagship appears to be taking steps to correct this issue, time will tell if they’ve done enough. Results seem mixed based on recent complaints.
  • Billing issues/funding holds: In these instances, Flagships points the finger at its processor iPayment, and perhaps rightfully so. After all, these mistakes often do come directly from the processor. In my opinion, though, Flagship ought to provide intensive arbitration and mediation on the merchant’s behalf. This includes account holds/freezes, which you can do your part to avoid by reading this article. Some of these issues are unavoidable though, so these complaints should be taken with a grain of salt.

The good news here: Flagship is generally willing to provide at least partial refunds to make things right. In fact, Flagship has become one of the most accommodating and generous providers I’ve seen in terms of refunding fees, especially when the BBB is arbitrating. But ideally this wouldn’t be an issue to begin with.

Positive Reviews and Testimonials:

You can find a few merchant testimonials on the Flagship homepage. There is also a small display of logos for companies that utilize their services, including Subway, Verizon, Avon, and others. Aside from that, you won’t find any intensive case studies or reviews.

One of the most substantial recommendations for Flagship Merchant Services comes from the popular review site Top Ten Reviews, which reviews everything from consumer products to career choices. Flagship features Gold Awards from Top Ten Reviews prominently on their website, but they’ve now fallen to the number six position in the most recent Top Ten Review. Reasons for this decline include the $99.00 annual PCI compliance fee and other fees that are not disclosed on their website.

Flagship has also received glowing praise from Business News Daily, who rated the company as their Best High Volume Credit Card Processor in a recent article. While the article tends to downplay some of the significant problems that merchants have had with the company, it does provide a pretty comprehensive overview of Flagship’s stronger features.

One surprising source of praise comes from the BBB. As we mentioned above, the company currently has 80 negative reviews posted by customers on its BBB profile. So, it might come as a surprise that the company also has a whopping 216 positive reviews. So, how many positive reviews do most other merchant account providers have on their BBB profile? Well, zero. Most people see the BBB and other consumer protection websites as a place to air their grievances, and so it’s pretty unusual to see any positive reviews – let alone such a high volume of them.

Look closer at those positive reviews, and some obvious trends emerge. Like the negative reviews, only the reviewer’s initials are posted, making them essentially anonymous and unverifiable. While some of the positive reviews are well-written and point to specific areas where the reviewer thought that the company provided a helpful service, most of them are generic, 1-2 sentence blurbs that don’t tell you why the reviewer liked the company. Perhaps most disturbing, the trend chart shows that nearly 70 of these positive reviews (i.e., nearly one-third of the total) were posted in the same month back in 2015. While I can’t say with absolute certainty that any of these reviews are fake, they are highly suspicious, and I wouldn’t put too much stock in them.

Final Verdict on Flagship Merchant Services:

Despite all the legitimate criticism of the company, there’s still a lot to like about Flagship. The company generally provides a good value, deals with most active sales in-house, and lets you leave at any time without penalty. I love the freebies offered, even if they’re presented in a somewhat gimmicky way at times. Flagship is doing a fairly good job overall. It seems like they slipped a little bit in 2013 – maybe due to growing pains stemming from their acquisition by iPayment in 2012. Things have mostly stabilized in 2016, although many of the issues that have made merchants unhappy have not been entirely resolved.

While some complaints that come in under the Flagship name are actually criticisms of its processors (namely iPayment), it’s Flagship’s responsibility to provide excellent arbitration, mediation, and prevention when it comes to processing issues. Some of these issues (such as chargebacks and funding holds) are unavoidable, but still incredibly frustrating for merchants. Be sure to take complaints regarding these and similar issues within that context. I don’t think that Flagship’s marketing at the corporate level is nearly as straightforward or useful as other providers (check out Helcim, for instance), but it’s not really harmful either. Or at least it wouldn’t be if sales agents filled in the gaps effectively. Unfortunately, this doesn’t happen 100% of the time.

Flagship gets 3.5 out of 5 stars for the moment. They perform slightly better than the industry average, but still have plenty of room for improvement. I’m comfortable recommending Flagship to you, but – as always – encourage you to enter your sales consultation reservedly and as an educated, informed merchant. So read up, then go ahead and check out Flagship Merchant Services!

If you’d like to see what other options are out there, take a look at our comparison chart.

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

291 Comments

    Mitch Rezman

    Flagship is one more miserable scum sucking group of merchant processing liars and thieves. Our account was set for “zero day hold” next business day funding.

    Authorize.net batches out at 4pm pst – we batched out 3pm est. We batch out 7 days a week – in the 5 or 6 weeks we have been with them (we are terminating the relationship today) we have never gotten a batches 5 days a week.

    late last month 4 batches from oct 20/21/22/23 all got deposited on 10/26 – we’re a small business and need our money – their actions are criminal and they will pay

    btw Flagship fees cap out over 4% monthly – + $100 more a month for authorize.net

    We’re back to PayPal Payments Pro – no gateway – real-time funding spendable on the PP debit card in stanty) 2.2% + .30 (3.5% for Amex but still get funds in real time – move to bank account next business day up till 10pm est

    Rebecca Jones

    Flagship is dishonest and impossible they make it impossible to stop their charges.
    I am a new business start-up and I decided to try accepting credit cards in April of 2016. The sales person, Andrew Brugman, convinced me to try a phone swip. I am a low volume high dollar business and most of my customers preferred paying by check. I contacted Andrew and he mentioned I could take cards over the phone and cancel the swip. I told him no and then followed up with a cancellation email. At the end of April I received one bill in the mail for $60 that said they had debited my account. As it turned out, Andrew didn’t cancel, he actually added another online account. Flagship has been debited my account for the past 6 months for almost $200 per month. The charges show up each month in two separate debits ranging from $80 to $120 each with only my company name (not theirs). I thought they were transfers between my savings and checking. The name Flagship never appeared. They also never sent me a bill. They said they started saving paper in April and I would have had to go online to see the charges. Now they are saying I have to send a cancel request form that needs to be approved. This is a scam company. I never used their service and they have taken over $1,300 from my account (and will likely continue). I’ve placed a stop payment through my bank but since they vary the dollar amounts they take each month it will be hard to keep them from getting more.

    1
    DAWN JOHNSON

    We switched to Flagship after hearing about their great customer service. The customer service was only good while they were setting my account up. I told them that I was only processing credit cards via our website, but somehow we were given 2 merchant accounts. We closed down our business as of March 31st. I called the company and was requested to fill out 2- Merchant Services-Close Merchant Account Request Form. Both were attached to the same email requesting cancellation on 4/11/16 at 450EST. Well they only closed one of the accounts. I received my last statement from them for service period 03/01/16-03/31/16 for both accounts. On 8/8/16 I receive a letter from IPayments stating that I owe $115.65 for July of 2016. I called them back on 8/8/16 after 57 minutes on the phone, I finally got a Rep that had some sense and was willing to help, so I thought. I called back on 8/11 and she confirmed that she received my second email with the original request sent on 4/11. The account was finally closed, however I receive a Collection Letter from a Collection Agency today – dated 9/21/16 for the above amount, when I was told that a request was put in to credit that amount as well as refund the $391.55 they took out of my checking account after our cancellation request. Of course I did not hear anymore from them until today or any statements since 3/31/16. I called back again today, and of course the same message was on their Hold message of, there will be a delay due to high call volume. Hmmm, I wonder why?? I spoke to the Rep and she basically told me I owed the money, I then read off the dates, times and who I spoke to, when confirmations were received. I told her if she wasn’t going to help that I wanted to talk to a Supervisor this time. Total time I have spent that could have been spent on productive stuff is a total of 3 hours and 28 minutes. After 3 times of her telling me, she was trying to get a supervisor and sorry for the wait, she came back on to tell me that her Supervisor Justin has put in a request for the Collection notice to be taken care of. She told me they would not put a request in for the refund amount at the same time. That I don’t believe. I told then that I will be calling back next week to make sure it was taken care of as well as the refund amount. I called the Collection Agency and she was pumping me for information. I told them to call Flagship/IPayments as it is a bogus charge. she kept telling me I owe it. Guess what, I won that conversation, the file is being sent back to Ipayment for further investigation. I will be filing a complaint with the BBB as well as Ripoff reports today. Our Merchant account that they finally closed ended in #7538 Brantner Jigs.

    1

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

    susan liberta

    Exactly run don’t walk as fast as you can. They held my money for weeks 5500.00 and they deny eveyr transaction just so they can hold onto your money and keep the interest. They lie steal and cheat. I am trying to get out of it now but it seems that everyone is having the same problems. They charged me a 350 fee and I don’t even know why. They are the worst ever. They pay to be at the top so they can steal……

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

    Rick

    Run don’t walk away from this credit card processing company. I use them for only a week and they hold nearly $5000 of mine without releasing out. They kept requesting additional information. They are without a doubt a company that is diss honest. I had to have my POS company contact them. I threatened them with a lawsuit And they immediately release my funds. I canceled service the next day and they continue to withdraw money from my checking account for services I have stopped. I have reached out to the merchant representative but they refused to return phone calls or to refund my money for monthly fees that I am not using. My bank has put a stop on the ACH withdrawals from this crooked company. With my new credit card processing company my funds are deposited to my checking account the next day. By far the worst service company I have ever been involved with. I wish they had negative star ratings I would give them a -10.

    1

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

    Koushi Sunder

    Severe inability to fix simple problems like an incorrect Business Descriptor. I’ve spent the past month trying to get them to change ours and every person I speak to at that company seems dumber and less helpful than the last. They have all sorts of excuses as to why they’re unable to help, ranging from a mythical person who will call with a solution the following morning (they always say the following morning) to blaming other companies for their problems. Um sorry, merchant processing 101 – ONLY the merchant processor sets the billing descriptor. The fact that they can’t fix something so simple tells me that they’re not competent enough for my business or yours.

    1

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

    kelly

    They suck. They appear to have great customer service but they’re shady.
    I got stuck with a bunch of fees and when I called to close my account, I couldn’t
    find anyone to assist me.
    Avoid them.
    Use anyone but them.
    It’s not worth it! Read the fine print and don’t take their word for anything!
    I asked over and over if I would have to pay fees or penalties if I closed my account
    and my rep. said no. I ended up paying $45 in fees and.. Just now spoke to a “Gayle” who is a supervisor in customer service. She was rude and of course.. They will not refund the charges.
    They suck and they’re dishonest!
    Heed my warning!

    1

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

    Jack

    If you are a very small business do not go with this company. You are better off using square or paypal. I went with this merchant service looking to save money but in the end I was getting slammed with fees and when you don’t even use the card swiper they charge you more every month. You also have to fill out a survey every so often to make sure you are in compliance with certain rules that come with accepting card payments, if you don’t have time for this survey you get hit with another fee. Also it take 2-3 business days to get your funds. One last thing, when I went to cancel another $250 down the drain. Thanks you guys for saving me money “Aholes”. Long story short is I should have stuck with Paypal Here. Not only is it more simple to use but I can track everything accurately online. I’m not trying to advertise for Paypal but I’ve been using it for years with no issues.

    1

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

    Tara B.

    I began with Flagship 3 months ago. I’m a small business start-up and was looking for someone with a better card reader than square. Flagship advertised a reasonable monthly fee, so I took advantage after a troubling merchant experience with a banking merchant. I was told $19.95/month, until I got my first month’s bill which included an additional $40 for not reaching my “minimum transaction limit” Which I never set. So I set it to smaller amount and they also lower the fee for me, as it will be a while before I start making real money through my website. The 2nd month was better and there were no issues. The 3rd month rolls around and my account is overdrawn by $138. Why? Because they have now included some new annual fee for $119 without even telling me. I called and was informed that supposedly some letter went out (that I never got). No email, no phone call, no other form of heads up and “There’s nothing they can do”. My problem with merchant companies are these excess fees that always seem to be some new implementation AFTER you’ve signed a contract. I have to work very hard to earn what I have and am penny pinching to keep my new business going as I am figuring out entrepreneurship. Now, anything I sell will only be going toward a negative balance. Thanks a lot…It would be nice to have a merchant who was up front and honest, and not always looking for new ways to steal from their clients….Might a well have stayed with Square, it was much simpler.

    2

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

    Andrew Pavlis

    I agree with the previous reviews. I signed up two separate businesses with this company the beginning of this year and repeatedly informed the salesman that we primarily process via ACH (99% of transactions) but had the need for some minor credit card recurring processing and API hooks for future growth.

    We process at the high-end only $190 a month. But with such reasonable fees, I thought we could stage this for online payment processing later.

    Yesterday I saw two auto-withdrawals in both bank accounts, one for $119 and one for $159 (why did they differ… wonders never cease here)… I called in and asked what this fee was for, as the first account hasn’t actually been used for processing payments yet. I was told this is a $119 annual PCI-Compliance fee.

    I know for a fact that PCI-compliance is a voluntary industry standard. That means it is not required by law.

    I’ve worked with other card processors and this was never a fee that was charged; PCI-compliance was never required. And their rates were 2.6% + some change.

    My problem with this is ridiculously exorbitant fee is:

    1. We only process via authorize.net, which means authorize.net is the one who should pay this fee
    2. This fee was *never* disclosed in the paperwork I signed nor was it mentioned by the sales rep
    3. $119 vs. 1% differential equates to $11,900 a year in credit card processing required to justify this fee. If you are not doing this level of volume, don’t waste your time or money with any PCI-compliance companies that will surprise you with an obnoxiously high priced annual fee.

    I would never have signed up for this service if they had disclosed there was a $120 yearly fee just to use their services.

    It’s not like this compliance fee means they’re providing training to my employees, sending me equipment that is hack proof, scanning my systems to ensure no vulnerabilities, or providing a back-end database to securely store data (this is provided by authorize.net, btw). We use authorize.net, entering data manually, for recurring transactions and do not use any of Flagship’s actual terminal services, which are not inter-operable with authorize.net’s recurring billing.

    On top of this, when I called in to complain, I was told I’m paying a monthly marketing fee. This might explain our mystery ‘sponsored ad’ on Facebook that had the wrong image taken from our website. Our marketing partner told me they didn’t advertise that.

    Basically, this fee is BS.

    I’m very disappointed. I could have just used paypal and saved myself $119 & $159 as we merely pass the % over to to the customer.

    I was going to cancel last night, but after talking to the after hours rep, I’m going to call back on Monday to talk with my ‘account rep.’ I want to see where this fee is mentioned in the original paperwork that I looked over with a fine toothed comb; I’m also hoping they’ll refund this fee, but I doubt it.

    If I don’t make any headway, I will be disputing this fee with my bank and we will no longer do business with this processor. I could have gone to authorize.net directly for $40 + $25 + 2.9% + 30c. Why would I instead go through Flagship if I have to pay $120 a year on top of a monthly AND a gateway fee?!

    1

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

    lakhwinder

    my experience with flagship was very bad. i own scaffolding business from last 20 years in Jamaica queens. flagship never give me high ticket value. i request three times. sometimes i have to take credit card for more than $20000, but i cant because flagship never give high ticket limit. one time i took credit card for $35000, but they send me mail that they cant process it. i have to refund my customer which was so bad.

    i suggest people, do not go for this company, even the staff is so rude.

    1

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

    RR

    Like others, I wish I found this review site before signing on with them. We are a new business and were authorized to process up tp $5k. We do B2B sales, keyed it – and they knew this (its on their application) So, our first charge is for $4200 and it gets held, even though it is under our approved limit. BUT, no one communicated that it was held. When I saw that nothing hit our account after a week, I called. They transfer me to Risk Management. By now we have processed two other charges. The RM guy says that they tried to reach us to let us know of a hold, but no one answered or there was no voice mail. Hello, I answer the phones here 90% of the day from 8am to 4:30, and I have voice mail for when someone else does. When asked about email notification, he said they should have automatically sent out. Nope. Nothing there either.

    Long and short of it, two weeks later and we still do not have our funds, they declined an amount that was over our limit, even though the Sales Guy said that if we had support documentation that it would go through. I get limits and understand, but when the guy says just supply support and all will be OK…. well… you trust him. We supplied them with tons of support – all for a big name customer, easy to varify – including phone numbers, contacts and all. Still nothing.

    And its taking 4+ days for a mere $700 process from another customer. (Yes, like most other companies, we were quoted 1-2 days funding time. Heck Stipe has done that since day one.)

    So stay away.

    And though it all, my sales guy, the guy who said he would be my Personal Account Rep, has not responded to a single email or phone call. Just voice mails for him, he never answers his phone.

    We’ll see if our rates are as low as promised, but based on the other comments here, I imagine we will be screwed there too.

    Stay away.

    Guess we go back to Stripe. We went with FMS because of their promised lower rates, but that is likely as true as the quality of their service.

    Stay away for Flagship Merchant Services.
    Be warned.
    -R

    1

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

    RR

    Update: We finally received our first payment. As feared, the rate is higher than quoted. We were quoted 0.2% over “interchange” rates (that can be between 1.6% – 1.9%) + $0.10/transaction. We were actually charged 3.299%. We were leaving Stripe because they charge 2.9% and with $20-30K per month in processing, the savings would have added up. Now we are actually paying more with FMS.

    Where’s our “dedicated” account manager? No response to repeated emails or voice mails.

    Also, we had a small $700 transaction that has now been 9 days to process – and this was without a hold.

    We are cancelling our service – which I hear is a pain to do, and posting these messages across every avenue we can. PLEASE DO NOT FALL FOR THEIR LIES.

    As I have stated before – STAY AWAY from Flagship Merchant Services.

    -RR

    1

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

    Tanim Chowdhury

    they are horrible. first of all they go give me the rate we are agreed upon to . and every time i try to contact with them they send me to voicemail. to get my representative i had to try at least 10 to 15 times.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience and the communication issues described. While we are confident all rates/fees were disclosed during the sales and application process, we issued a refund of $99 in service fees in July 2016. The customer’s account has been closed per their request.

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

    Sanjula Samar

    They are bad. When we signed up with them we got the EMV ready credit card machine they recommended. In December 2015, we were informed that the software of the wireless EMV terminals was not yet ready and that we should process the cards by swiping. If we had any charge backs due to this they would be responsible since the software was not ready. Now they say that it is not their problem since we do not have an emv ready machine. We were lied to about this. Now our account rep has left the company and when we call for any issues none of the reps are ready to help us. We are always transferred around.

    Their customer service is non existent. They lie all the time. We are given different stories every time we called them.

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department. While the vendors that supply our wireless credit card terminals did not supply EMV-ready terminals at the time of this post, they are readily available now and we would like to help.

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

    Jim Maynard

    Flagship card processing for a web site:

    They have so many surprise fees (often not explained). Imagine seeing a one line charge for $299. Surprise!

    I finally started entering monthly data from their reports into a spreadsheet to see what the account was really costing.

    Talk about a surprise. The total deductions ended up being, at its lowest, 5.7% and hitting as high as over 18%.

    I’ve switched to Stripe.com and I’m saving huge amounts. They only charge 2.9%—no matter what— plus a .30 charge per successful card charge. If the customer screws up and the charge is decline, there’s no swipe fee. If I need to make a partial or full refund, there’s no additional swipe fee. Different credit card brand, card with award programs, etc., no problem. Still the same flat fee. So much cheaper than Flagship. No surprises. No gotchas.

    Additionally, every time I complained or needed clarification the sales rep would say that I would have to contact a different department.

    So, like is much simpler now and over the coming year I will save thousands of dollars on credit card processing fees for my web site.

    Wish I had never signed with Flagship or believed their sales pitch.

    There was one positive about using Flagship. That was the fact that they used authorize.net which was great.

    1

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

    Maribel

    It should be a no star rating, and that would be the one I highlight.
    This company has been deceitful to say the least from the get go, I started the process of partnering with this company when I spoke with Mr. Daniel Velez on 2-22-16 around noon time which the information I was given was pretty much what you see in the flyer below…he asked a series of questions regarding my type of business, and few other calls later were generated by Mr. Daniel Velez to get my business with his company. When everything was approved by them Mr. Velez via phone ran through a series of questions to fill some paperwork in their end and when everything was done, including me sending them a voided check to charge my supposed only fee with them $7.95 a month, besides the percentage from reading the cards. In less than two days I received a stationary terminal credit card reader in my door step; I immediately thought of the efficiency of this company, well I was up for a big surprise with this “efficient” company. Few days later I received a “free” card swiper for mobile devices, and after these items came, the reality of all arrived, the welcome packet with the schedule of fees (refer to attached picture), which Mr. Velez failed to mention most of it, he only mentioned the $7.95, and the 1.58%, he didn’t say a word about that most of the cards don’t fall in the category to charge this percentage anyway. On March 3,2016 I immediately contacted Mr. Velez inquiring on charges I saw in my bank account $15.90 (mobile device reader charge) & $8.14 (stationary card reader terminal device fee), which he never responded. Next day I contacted customer service, since the prior to having my business Mr. Velez was now not that responsive. I spoke with Eileen and explained the issue and she made a note in their system to waive the February fees therefore to refund them, and put them on hold until the opening of my business in April. Later that afternoon I called back customer service for someone to explain in detail the meaning of all these charges in the schedule of fees. Sonya graciously explained what they meant and I took notes in the schedule of fees paper, as you can see in the attachment. At this moment I realized that what Mr. Velez explained to me was not even close to their false advertisement that you see in attached flyer below. If Flagship withheld information of the fees they charge their customers before the agreement is made, I assume they are breaching that agreement and I’m entitled to dissolve that relationship. On 3/14/16 as I’m checking my bank acct for other reasons and I noticed a withdrawal of $250.00 from “iPayment” which immediately raised a red flag in my mind, since Flagship has been the only company withdrawing from my account without my consent. Late the same night I called customer service again and this time I spoke with Sharon, she confirmed this $250.00 amount was from Flagship and she said that this was the cancellation fee. She instructed on contacting my sales contact to address/resolve this issue which I did to no avail.
    Never conduct business with this company, their practices are dubious and deceitful.

    1

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

    Kathy

    The worst ever. I wish I had read the reviews before getting involved with Flagship. We signed up with them and began processing payments. Due to the volume of transactions they flagged our account as fraudulent and refused to release our client’s funds. We signed up with them to process our credit card payments, they turned around and denied them without any consideration. Our rep said it was because we were a “new” account. We are a well respected, long practicing law firm and provided all of the necessary background check information, bank statements, etc. They are not someone you should do business with. Quite possibly because they refuse to do business with “new” accounts. Ridiculous waste of time and money. Go with ANYONE else.

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Walfre Monroy

    DO NOT EVEN BOTHER with this Company. I made the mistake to sign and my terminal was not even delivered and my company was already charge $69.00 right on. I called right away to cancel the account and I was promised a total refund, which up to this point I have not received. BAD Merchant Company, STAY AWAY.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. Our records indicate that the delivery of this equipment was refused by the recipient. The customer’s account has been closed. The monthly fees billed totaled $40.90. We have requested a refund of these charges as a courtesy. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Walfre Monroy

    Sorry but the total is $69, and not $40. Any refunds have to go to my company address. Thank you.

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

    Turiya

    WARNING!!! Be WARNED from this company. They signed me up with a smooth sales pitch about how seamless and easy it would be. I got signed on, started charging my clients, and 10 days later I’m still in limbo with zero communication. Turns out, Risk Management will have to “audit” you as a merchant before they’ll release your funds. They are fragmented: iPayment, Authorize.net, and Flagship seem to be 3 parts to one company, and they don’t operate seamlessly. Each charge I put thru resulted in an email from Authorize.net telling me “successful payment!”. Imagine seeing that and days go by with no money showing up in you account. One week went by before I finally called. The original rep who promised me he’d always be available to advocate for me in case of any problem suddenly is out of the office for 2 weeks or something, so I get another guy who tells me a bunch of wrong information but promises me the funds are coming. Later in the day I call back and a different rep tells me my funds are being held up in Risk Management. I know nothing about this aspect of the game, never having been through this, and naturally the original guy never mentions I’m going to be held up for a “new merchant audit”. I get some smug Risk Management dude who makes sure i know he has ALL the power, and he’s not releasing my money until he’s satisfied that I’m legit. REALLY??? Then he tells me he’ll release the money if I can get proper invoices to him within 30 min. I get the invoices to him, and 3 days later I’m still sitting here waiting. Wondering. Because they have your money and they don’t have to talk to you. They can hold your money for as long as you like, so be careful and talk nice to the Risk Management guy. Dealing with this company is a nightmare. Try your luck with someone else.

    1

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Dee Baker

    I was promised better rates than square. The rep. was trying to tell me that they do offer better rates, however, consider the fact that flagship has monthly fees. When it comes down to it you will be paying more for credit card processing when you use flagship. I had signed up with flagship and started investigating everything I was told. I canceled today. They change things around and add charges and in the process try to make it sound good. Be careful of what they tell you. I gave them a rating of a one but that was only because that was the lowest I could give.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. While we are confident that all rates and fees were disclosed during the sales and application process, we have requested a refund of all fees charged to this account, totalling $17.90. The refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Mario V

    The WORST processing company I have ever worked with.
    Everything goes well while you sign up and you will be promised the world, next day funding etc.
    Once the first transaction gets made and the money still isn’t in your account 3 days later, you will get told that it takes a few extra days with the first transaction. On transaction 2, the money was not funding in 2 days, I was told tomorrow, then tomorrow I was told tomorrow again. 4 days later, I have the money. A few transactions go by with me having to fight to get the money every time until finally they place a hold on 2 transactions and I was told it would take 10-15 business days to review and release those funds. I initiated a refund to the customer and had them simply write me a check. I was told by them that no fees will be charged to my account for the month due to all the issues. I closed the account and 2 weeks later they charge my account for 145.82. I call in, get transferred around like normal and told I need to talk to risk management. Every time I get transferred to the person I need to speak with, it goes to voicemail after 1-2 rings. I have left a number of voicemail with no returned call. I am not on hold for 35 minutes waiting to try to talk to a live person in risk management that won’t just transfer me to a voicemail. Stay away!

    1

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

    Sean

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Ashley

    We signed up with Flagship with three of our companies. We ended up cancelling the service for one of our companies. The salesperson was a liar & they were clearly not interested in giving us the truth, but making a sale. There were several fees that were not disclosed to us and the rates were almost double what we were told. Don’t trust them when they say you’ll have a low non-qualified rate for all the transactions. We lost over $300 in a matter of a few months to them because of the things they did not disclose and were only refunded a minimal amount when we closed the account.
    We’re only still with them with our other companies because we’re under contract. Don’t go under contract with them under any circumstances.

    1

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

    Sean

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Tiffawnie

    This company has been a nightmare from the beginning, we are 4 months into it and they are still withholding 66000.00 that i was told was already deposited into my account. I will never use them again. Once i was set up to use them they all the sudden froze my funding based on the fact that the credit card charge exceeded the max amount I was approved for. Total frauds!

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

    Sean

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Anthony

    My first experience in Merchant Services in 23 years of successful business. The absolute worst company. They approved my account and gave me my credentials. That part was fine and the front end-sales (Kevin) was excellent. Now comes the bad part.I made my first transaction. It went through as “settled”. I kept checking my bank account, but did not see the $$. So I went on-line to their “iaccess” only to find out my account was closed. No phone call, no E-mail. I call and they tell me that my account was closed for “security risk”. No one could tell me why. Three days and numerous messages left with the risk department and still no one knew why and risk dept still did not return my call. Finally I spoke with the guy in charge of my account, I think the one who shut it down. He gave me three ridiculous and totally inaccurate reasons. 1) That I had opened or attempted to open an account with Flagship prior (total bs…never happened), 2) That I was in the collections business (totally not true..in fact quite the contrary). and 3) That I was collecting debts older than 30 days. So….they closed my account within a week after approving it and did not let my transaction to get deposited. What a unprofessional waste of time. If I was a security risk, I should never been approved. I cannot emphasize enough how unprofessional this company is and how, as a new customer, unjustly and unfairly and poorly I was treated. I now have to start over. What a waste of time. Stay Away!!!!!!

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

    Ben Morrow

    Brianna took our application by phone, then we were informed by Ken of that all our transactions are against their terms of service and will not be deposited. Upon attempting to refund our customers, we have discovered that flagship and ipayment are refusing to allow us to send refunds, and that our only recourse is to ask our customers to dispute the charges individually. Thank you to everyone who has suggested contacting the BBB, as that appears to be the best course.

    1

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

    SEAN

    Customer satisfaction is of paramount importance to Flagship and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this customer’s specific account activity here, the funds referenced by the customer were addressed pursuant to the loss prevention procedures as referenced in the commercial agreement entered into between the parties. The customer has been informed of the status of the funds. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly.

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

    Deanna

    Flagship it terrible and I don’t know who out there is giving them good reviews! I have had them for less than 6 months and I am switching. The charged me a monthly fee for a month PRIOR to when my account was actually opened and never gave my money back. Their customer service is NON-EXISTENT, they only want accounts for the revenue they provide, they do NOT give a hoot about their customers period! Terrible company and I would not recommend them to anyone.

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Lu Bower

    Horrible company. Misled by the customer service rep when signing up with Flagship. We had mystery charges/fees deducted from our bank account 90 days after signing on. I would not recommend them to any business.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. While we are confident all rates and fees were disclosed during the sales and application process, we have requested a refund of $70.90 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Leah Clark

    Poor as it gets. Customer service is slow. Plan on 20-30 minutes because of unusually high volume of calls. I’m pretty mostly unhappy customers. They charge way to many fees.It was taking 4-7 days to deposit money in my account. I switched to square. No hidden fees with them. My money is in the bank the next day. Wouldn’t recommend this company to anyone.

    1

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Mazi

    They ripped me off big time. The salesperson convinced me to switch to them by telling me low rate approval 1.6%. I opened an account with them and after my first transaction I notice it is not 1.6% in fate it was more than 3.5% plus their stupid monthly fee and device fee even statement fee. More than that they hold my account because of my transactions went above their approval even I gave them my previous merchant account statement they approved me for a stupid amount of 30k per month. To keep it short, they push me to reversed my transactions and ruined my reputation in front of my clients. Anyway, more funny they billed for sweeping and returning those transactions at the end of month. There was a stupid guy name Juan from risk management who doesn’t undestand anything at all. At the end, one word, this company is a real scam, do not make a same mistake as I did. Their fee is so high and their service is horrible, worst in the town.

    1

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    Jill

    NO Stars! This company has been a nightmare from the start. I have a very small business and have ended up paying ridiculous fees and now that I have FINALLY cut them off, am still owed at least $200 from two transactions totaling $664! On third for their cut?!! PLEASE, PLEASE do NOT fall into their nasty trap!!

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    David

    Horrific customer service. Ask to speak with a supervisor told no, put on hold then hung up on.
    Held funds for over a week. I WOULD STRONGLY NOT RECOMMEND

    1

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

    SEAN

    We were unable to locate this customer in our system based on the information in this post. This customer is encouraged to contact our company and ask for the Operations Department.

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

    fran

    My posting on Flagship
    This company is truly a scam. I called and cancelled the application process after every deadline they said our swiper would arrive passed and passed and passed. They never sent swiper. A month later, money is taken out of our bank account for their monthly fee (which the contract did not mention). I went round and round with very incompetent people there. One customer service rep (Beau) said that they had mailed the swiper. I told him I had cancelled the application before I even heard back on approval or non-approval. I asked for the tracking number. He said he would get it for me and then put me hold and came back and said, “Well, I’m going to go ahead and do you a favor and reimburse your bank account.” I asked, “So, you realized the swiper has not been sent and there’s no tracking number?” He immediately said, “No, the swiper was sent.” I said, “Prove it and give me the tracking number.” No reply. He immediately said he was emailing the proper form to fill out in order to cancel the account and it would be cancelled when they received the “Close Merchant Account Request Form,” and then he immediately ended the phone conversation. Within five minutes one of the sales reps that I had spoken to @6 weeks earlier called and said that he had just received a message from customer service and he was sorry for the misunderstandings but that he had told them I cancelled the account and he said that the swiper had never been sent! But, I did fax back in the “Close Merchant Account Request Form.” Disorganization, Incompetency, and Lies abound everywhere in that company. Then, to put icing on the cake, guess what came in the mail on Jan. 09, 2016? A swiper from Flagship in an envelope postmarked January 4, 2016, the day I spoke with Beau and he swore the swiper had been sent out in December. Unbelievable! Yes, I am reporting this to the Better Business Bureau.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience with our corporate office’s customer service department. We can confirm this account was closed. All monthly fees were refunded back to this customer back in February. We regret the inconvenience.

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

    Hank Cramer

    Flagship Merchant Services is actually a false front for American Express. They are underhanded, misleading, and predatory. Expect surprise fees like “$159 — Miscellaneous” or a $25 fee for sending you the annual 1099 required by federal law. DO NOT DO BUSINESS WITH THESE CROOKS.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. While we are confident all rates and fees were disclosed during the sales and application process, we have requested a refund of $159 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Chris

    I am opening a new business in Houston, Texas. I already have Bank, Square, PayPal, etc. in place. I fell for the online hype of “top ten merchants”, etc., boasting too good to be true percentage claims and free everything. When I put in my information online, I was prompted to call for a quote! What quote? Low percentages and free stuff. Anyway, I hung up and immediately received a vulture call. I exposed the sales tactics in less than two minutes. Turns out, there is a “shipping and handling fee”; and, a mandatory monthly fee!!! I told the salesman no thanks, and he quickly fired back an accusation that I “could not afford” the services. I was livid! If I lived in Mass., he would be breathing through a tube right about now.

    Do not do business with this company! They are low down scam artists. Just read the other reviews!!!

    You have been warned.

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

    Ross Hoag

    Beware! This is the most misleading service, the high ratings they seem to receive are incorrect at best. It is not cost effective, just a bunch of miscellaneous and additional hidden fees that pile up with or without any transactions. If you are considering using them ask for a copy of some actual bills so you can try to figure out how they are charging. Ask for a bill for an account that has zero transactions on it as well as one with the numbers and $$ amounts you think you will have on a typical month.

    To find out what the listed fees are requires endless time pm hold only to find out they are normal recurring fees. If so why not just list them on the bill? You can guess, they don’t want you to know what you are actually paying for or what the service actually costs. The hope is most people just give up and won’t wait them out on hold to understand what’s going on. Good strategy for Merchant Services but not so good for you if you are paying the bills. They are banking on the fact that most people have more important things to do with their valuable time then sit on hold.

    Opening an account takes only a few days but closing one takes more than a month and only after you submit a totally meaningless form that they email you that you must fill out, scan and email back…more steps to delay things and keep taking money from your account. The form only comes after you wait forever on hold to get to a support person who then informs you how to actually close your account.

    Every aspect of my experience with this service was bad and it is not cost effective so don’t be fooled by some self serving rating which shows them to be a good deal or a good service partner..they are neither!

    The bottom line – don’t go business with these people! They are only interested in taking your money in any way they can. They do not care what they are supplying or the actual value they add.

    The cost of doing business with them is not worth the hassle.

    1

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

    Sean

    We are sorry to hear of this customer’s negative experience. All rates and fees are disclosed in the merchant agreement and statement inserts. For security purposes, we typically require signed authorization to cancel our merchant accounts. It does not appear the closure form was initially received in this case. However, we can confirm this account is now closed. As a courtesy, we have requested a refund of $247.83 in service fees, which should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Allen Spiece

    After reading all of these negative comments about Flagship Merchant Processing I would recommend that anyone who experiences problems with this company send a detailed letter with relevant attachments to their state attorney general’s office (or any other state’s attorney general’s office since they probably operate in all 50 states). Maybe an aggressive attorney general’s office will investigate this company and pursue a lawsuit to enjoin it from doing business in its state.

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

    Cheryl

    My clients are being double charged and it is not showing up on my end. They the charge me because of the dispute. I am loosing customers because they think I am double billing. No one on Flagship’s end will help.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    thomas lehnert

    do not trust this company. they are liars and thieves. once their sales rep signs you up, he’s done with you. mine failed to return 14 phone messages. I have also been billed at over twice the monthly rate I was promised. in my opinion, they broke the contract we agreed to, but I am the one to suffer financially. I gave them a 1 star rating because I had to, they deserve far less.

    1

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

    SEAN

    We regret this customer’s negative experience. While all rates and fees were disclosed in the merchant application and during the setup process, we have requested a courtesy refund in $23.85 in statement fees. The funds should deposit in the customer’s checking account in the next 7 to 10 business days. We can confirm this account is closed.

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

    Catherine Eiseman

    Feeling betrayed and stupid for believing “The top 10 Best Merchant Service Companies” report. I just switched to Flagship because, like all the other merchant services companies, they PROMISED me that I would be paying much lower costs by using them over my bank’s merchant service company. And, since somehow Flagship got rated so highly in the polls with their honesty issues, why wouldn’t I believe them? Now that I have been using Flagship for my small business for 3 months, their lies have come out. I was changed an additional $130.00 this month due to a annual fee that they never disclosed!!! Wish I had never switched!!!

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Jon Wahlstrom

    I am a new customer and I can’t even get the correct equipment shipped to my business. I’m being told that it would arrive the Wednesday November 25th and it’s a no show. Then I am told that it will ship overnight and be here Tuesday December 1st and it’s a no show. I am really scared to see my first billing cycle. I have a feeling that Flagship is going to rake me over the coals. I’m going to start shopping for a new merchant service provider.

    1

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

    Brad R

    Flagship is the type of company that will tell you they are going to do something, then never keep promise, When cancelling your account you need too in all likelihood cancel that particular checking account entirely and start fresh.

    I made 6 Attempts to cancel my account before they finally provided the cancellation documentation via a complaint I filed with the BBB.

    I would Highly Recommend SQUARE. Their advertised rates are a bit higher (but not much) and you never have to worry about them hitting you with charges that weren’t disclosed. I’d rather pay an extra 0.1% fee than run the risk of being completely ripped off by paying the 5.5% I was being “put over the coals” with using Flagship.

    Seriously though when you cancel that account, you’ll need to cancel your entire checking account as well. It’s been well documented they ignore cancellations and continue to charge monthly service fees on the web, a simple google search will tell you all you need to know.

    I’ve never before in my life been subjected to the business tactics they put me through. It’s utterly horrendous. I only hope that others will benefit and learn from my experiences, something should seriously be done about how this business operates, and I really can;t be leave that iPayment continues to be affiliated with them. It makes them guilty by association.

    1

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

    SEAN

    We are sorry to hear of the initial delay in this customer’s equipment. During the EMV liability shift, inventory quickly became an issue industry-wide. However, this customer has received their equipment and is actively processing credit cards.

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

    Cyndee Nelson DBA Heads or Nails Salon

    I have until recently been pleased with Flagship Merchant Services.

    They recently put a “hold” on ACH’S that they OWE me back I. September 2015.

    I am still trying to collect monies owed to me by them. I have been extremely patient. No one has returned any phone calls or emails I have followed up with. It’s been a month and a half. Now we are into month two. I’m thinking maybe someone has stolen my money. Otherwise why haven’t I received it already. Their ACH/Collection Department has not responded in over a week.

    Now I am seeking Legal Counsel. Enough excuses and delays.

    2

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

    Brad R

    If I were you I’d close the checking account attached to the account entirely and call your lawyer. I’ve been through the ringer with Flagship, and they still owe me money that was mischarged. I had to cancel the checking account to keep them out of my finances. iPayment even called me to explain that I still owed them money on a dormant account that I had provided 6 different times cumulatively through fax, email, and phone.

    During that same phone call iPayment offered to bypass many of the fee’s that flagship was charging if we went through them directly, claiming that they were “two seperate companies”. Which is pretty laughable considering the fact that iPayment Owns Flagship, making them responsible for the charges they offered to waive in the first place. Literally I’m conviced that everything they say is a lie.

    1

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

    Brad R

    The best part of the PIRQ charge is how it’s labelled as “Miscellaneous Charge” on their invoices, asking that you “Call customer service for an explanation.” Ridiculous.

    1

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

    Merle Larson

    Not happy with there services – Can’t get anyone in Customer Service – just a recording over and over again and horrible music. Tried to three weeks and am cancelling service by mail as I cannot send certified. I have been all over their sites and can’t find a live address only PO box. I am moving my company to Square. If you don’t get through when you call you can leave your number and they DO return you call shortly. Plus their pricing is much much better

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

    Brad R

    I had to actually completely cancel my Checking account and open a new one to keep them from drafting out their $60 a month fee that they don’t tell you about when you sign up. Nightmare.

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

    jalil buti

    i feel sorry for your company ,we try to connect with you to solve a problem i have with you but there is no answer and no one pick up the telephon we thinking of terminating oue sevice with you if you want to get in touch with me give me a call at 601-582-5657

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

    Scott

    Just over a month after starting service with them we notice that all credit card transactions are being declined with a “Gateway Error”. We contact Authorize.net and they tell us that Flagship has cancelled our merchant account (what??). No idea why our account would have been cancelled since we just set it up. Can’t be for non-payment of fees since they take their 2% cut off the top before it even gets deposited into our account (also annoying). No one ever called, emailed, regular mailed or anything else saying our account was being cancelled. I tried calling their customer support line and get a message about how they’re experiencing “higher than usual call volume” and after 20 mins on hold I give up.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Brad R

    So when customer Service Completely Fails they send in “Sean” to supply everyone with the old Copy and Pasted response. Most of these posts have questions that could be answered. Why not start there Sean? Please do send over whatever stock response is next in line.

    And honestly Sean, I don’t know how you sleep at night knowing that your defending a company that operates the way Flagship does. I’d quit my job before I exploited people the way that your company clearly does. Your company is taking hard earned money of of small businesses tables, some of have kids to feed.

    I’m subscribing to this forum. I am eagerly awaiting your response. I’d be more than happy to ask a few simple questions for you to publicly answer on behalf of flagship.

    1

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

    Bryan

    Set up my Flagship account before I actually started taking payments. Figured I’d get a baseline of charges (without the variance from transaction costs). Turns out, there seems to be no rhyme or reason to their monthly charges. They’ve varied anywhere from $80 to $160 per month. Again, that’s with ZERO transactions. The support people couldn’t really tell me the method to their pricing either. And this $80 to $160 range was after I got the costs down by filling out some kind of form… On a positive note, the support people have always been nice (if not entirely helpful). But I need more price stability from my merchant provider.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Michael

    I’m going to give these guys a middle of the road rating. Will update it if my issues are dealt with as discussed with the sales reps and they company. I have dealt with merchant service companies for a long time. Our business point of sale currently uses chase paymentech services, however, we needed an online provider and I need reasonable rates. Chase doesn’t provide the latter.

    The sales guy for Flagship, Ryan, did a great job on the outset of getting us setup, within 24 hours. We went over the rates we would be charged 1.98% (I expect for most every card) and the bone of 0.98% (when I see one of those, I’ll let you know). Then the added fees of Gateway, $7.95, batch fee, $0.30, per transaction fee $0.05, monthly minimum fee is $25. Some other fees, I don’t have the contract in front of me. The stuff like termination fees, personal guarantees, etc, don’t fly with me. Those are not perks/benefits or even a competitive advantage over another CC company, as a matter of fact, the CEO of any merchant services company should give YOU a personal guarantee, and if they fail, you put a lien on their home (ha!). They have all your payment information, so it’s not like they can’t dig into your pockets and get paid anything they want. I digress on that point…

    So I start to see deposits and withdrawals roll in… first deposit was 3 days after the transaction.. not incredibly long, but it really should only be 1 day. It’s the internet people… not US postal service.

    I go to match up my deposits with the actual sale… none of them match up?? Turns out they are skimming their 1.98% fee off the top of each batch deposit, rather than billing the fee separately. I don’t know about you, but that’s definitely not a GAAP procedure and you want your billing company to be EXPERTS at processing your numbers. There was literally no way to reconcile each transaction as you didn’t know what percentage they would bill on each transaction. I call, talk to the Rep, he assures me they will “convert” me to a end of month billing cycle (oh, and waive the conversion fee) with separate billing for services and full deposits so that we can reconcile. Ok…should’ve been that way from the start… but it’s going to get fixed (I hope without having to recall again).

    Next, I get sent to “billing” to ask about a separate $26.xx fee that was charged only 3 days after the account was opened. I was told it was the gateway fee and the monthly minimum fee end of cycle, so even though I only had my account open 3 days prior, I apparently hit the end of month and got wammied for the fees. Here again, speaking with the “billing” expert he agreed to waive the fees, as I now owed more to the credit card processing company than they deposited in revenue to my bank account…. lol That’s like a 150% interest rate!!!…can only laugh at the non-sense these guys try to pull.

    Ok, so up to this point, I can see some bumpy starts… the company has agreed to get it all fixed… then today, I see more charges… but not from flagship… they are from Authorize.net… what?? Authorize.net starts billing me the fees that Flagship set out from the beginning to bill. $7.95 gateway fee, batch processing fee, per transaction fee… etc So now, I have TWO companies with their hands in my pockets. I call authorize.net, tell me my merchant services company set it up that way, and they direct me to my merchant services company to get it fixed… so back to flagship I go. I speak with Ryan, he’s courteous, but you can feel through the phone, he don’t want to deal with this. Wasn’t the same happy, make the sale guy, I originally dealt with… Poor guy, he probably hates merchants. Anyhow, I ask him to get us setup with ONE billing, the rates he gave me on the outset… not additional to Flagship fees. I have one month to get this fixed or we will just go back to taking checks, cash or call your CC info on the phone and we will process it through our POS machine.

    Sad thing is this… I want to give these guys more business… I’d love to have them take over our POS, but I don’t play games… I don’t cloud sales to my customers and I don’t employ marketing schemes to get business. I give my customers the bottom-line up front and they get MORE product or service than they paid for. The credit card industry is FULL of tactics that employ mis-information, or contracts that require an analyst to decipher, or they just leave out information and you have to deal with it when you get your bill (hopefully you weren’t dumb enough to sign a contract).

    Now the CC industries current ploy is like Y2K… you merchants better buy our EMV machines or your going to be held responsible!!!… gimme a break.

    3

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

    Brad R

    Update:
    So 48 hours into trying to cancel service, and have requested my original contracts, documentations etc. This information has not been sent, and absolutely no confirmation of cancellation provided.

    After reading several different reviews claiming that monthly service fees continue to be drafted after attempting to cancel the account. So… Sure there aren’t any early termination fees, but they are seemingly making it impossible to cancel service.

    The end result is, after consulting with my bank, the only way to insure they cannot charge fees in the future for services that I’ve attempted to cancel is to close the entire checking account, and open a new one. Which is what I spent half my day yesterday doing. Thanks Flagship! I’m seriously considering starting a blog with all my supporting data that I’ve collected since I discovered they were charging me near 6%. Recorded phone calls for my personal “quality assurance”, emails, etc. etc.

    Anyways don’t end up like me. This is literally a nightmare. BUYER BEWARE.

    1

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

    Brad Rankin

    If I could Give them NO stars I would. It turns out they we’re charging me $30 per month for not filling out a form of some type, which they had never mentioned (on their statement it even said call our customer support to find out what this is). Cumulatively among a variety of charges it was costing me just below 6% of transactions.

    I’ve asked for the processing information to verify the classifications of transactions, they refuse to supply it. I’ve asked for my original Agreement & Documentation, they refuse to provide it. Even in cancelling my account they require you to fill out a lengthy form and fax it to them. This form also states that they can only close the account as is outlined with your original agreement, which again they have not supplied.

    Everything their sales team says is a lie. I Know because I called the sales team instead of support to verify that what they were charging was not what they were selling. Once I confessed that I was actually a current customer and the numbers didn’t line up, the sales person changed her story, and grew extremely hostile. She even went as far as to tell me she could explain every charge on my bill, then when I asked a specific question she said she could not answer it because she was not my account representative. Then immediately followed with that by saying that she could see that my account representatives were this person, and that person, and that they were no longer with the company. (This is after she tried to sell a new customer services)

    Laughable, this company is fraudulent, it’s got class action lawsuit written all over it.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. Mediation is currently in process with the Better Business Bureau. All rates and fees charged were in line with the merchant agreement and program guide. However, courtesy refunds are currently being calculated and are in process.

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

    Brad R

    Do you mean the User Agreement you’ve failed to provide to me after 9 attempts to attain that documentation?

    I’ve made:
    4 Phone Calls
    2 Faxes
    2 Emails
    And finally EVEN the PDF provided of the above mentioned ‘agreement’, through my complaint with the Better Business Bureau was a conveniently ‘corrupt’ file, that only produced jumbled code upon opening.

    The agreement should be universal, why not share a link to it below Sean. I’d love to see it. Been trying for 2 months now.

    1

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

    Sergio

    Your comments are great! I started doing business with Flagship, but had to stop almost at the end. We are a corporation with over 15 years in the business industry. We have no problems with our acceptance of credit cards, still they want to have the CEO’s social security card and most of his personal information, like home address, etc. I find this unacceptable, since I have 20+ years dealing with merchant services and NEVER have they asked for a copy of the social security card! I’d like to know your thoughts on this subject.

    Thanks in advance for your input.

    5

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

    russell chaney

    This company is a scam and did not pay our funds into our account. By the time I figured out it was a scam the took us for $12,000. ANYONE WHO HAD SUCCESS FILING COMPLAINTS AGAINST THIS COMPANY CALL ME.
    RUSS CHANEY
    856 417 6587

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

    SEAN

    Customer satisfaction is of paramount importance to iPayment and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this customer’s specific account activity here, the funds referenced by the customer were addressed pursuant to the loss prevention/risk procedures as referenced in the commercial agreement entered into between the parties. The customer has been informed of the status of the funds. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly.

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

    Brad R

    Blah blah blah. Contact our customer service department, wait on hold for 45 min, then let us lie to you. Pointless. Your customer service is horrendous. Your sales team and support staff are clearly trained to lie their way out of paperbags. I don’t know the specifics of this circumstance, but I can attest that calling customer service is a complete and utter waste of time. And rest assured readers, even if this company did make a mistake they wouldn’t fix it, as was the case in my situation. Never in my life have I felt so negatively about a company. SCAM.

    The only way to get a response is to file a complaint with the BBB and cancel the bank account they’ve had access too entirely. iPayment may have the best of intentions, but the company selling their service “Flagship” is complete and total FRAUDULENT. IMHO.

    1

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

    Angie

    I am soooooooooooooo glad I read these reviews. I was actually considering signing up with Flagship!!!! Will guarantee I am going to save myself the headache and keep looking. Good Luck to all of you.

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Brad R

    Sean, let me be the first to tell you, after waiting on hold for 45 mins multiple times, your company finally answers says it will provide requested information, then just simply doesn’t. Your half hearted effort to publicly display customer service is just that. A half hearted attempt to save face.
    Statistically best I can tell, you have a 0% chance of actually getting any resolution calling customer service.

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

    Marty Robinson

    We had a credit card company and were looking for a better processing rate. Flagship boasted about their great customer service so I thought I would sign up. Opened the account, received a terminal and began processing payments for about a week. I was then contacted asking for scores more information in order to collect the funds (after we had already started collecting payments and sending orders ). The person who initially contacted me – was not identifiable with flagship and I thought it was fraudulent. After further investigation and providing the requested documentation, they wanted even more information. They are now holding our funds after our merchant terminal already processed the transactions. We are at their mercy because they won’t release funds to us. If this had been requested during the application process, I wouldn’t have been as concerned about it. Since they requested it after a week of processing, I can’t trust that they are who they say they are. I am now having to contact many customers telling them that their money will have to be refunded and I will have to process it again. This is horrible business and these customers will not have any trust in our business. This couldn’t be a bigger mess. This company is horrible and has hurt the reputation our company. My original contact with flagship who opened my account will not even contact me. I have spent more time trying to solve this problem over the last 24 hours than I have on my customers and filling the orders. I am losing business and trust. If you are thinking about using them, GO SOMEWHERE ELSE!

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    virginia

    If it were possible to leave a negative rating i would do so. This company was the worst mistake i’ve ever made. We’ve been in business since 1988, and have an excellent track record. I signed up to use Flagship in the summer of 2014.
    1. They have two level of fees, one of which is deducted straight from your deposit amount, making it extremely difficult to tie back into your accounting system, since the amount deposited is not ever the amount you charged. If you run numerous charges, this can be a nightmare.
    2. I had one credit card charge of approximately $25,000, which Flagship refused to process, however they did charge me around $1,000 in fees for this non-processing of the credit card. Keep in mind that this money never went into my account. A portion of the fees were refunded within ninety days, but even though Flagship refused to process the card, we had to run a credit through on my customer to get the charge released from their account. Flagship flat out refused to process a charge of this dollar amount and suggested we take the payment as numerous small payments from my client. This was embarrassing to say the least. I immediately switched to a different processor, and had the payment in hand (of course this incurred even more fees) within a week.
    3. It’s been four months since i quit doing business with Flagship, and they’re still charging me a monthly fee, which is taken directly out of my bank account. I’ve yet to figure out how to make them stop taking $52.95 a month from my business account.

    I would NEVER do business with this processor, and suggest you steer clear also.

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

    Tyler

    I put an application in with flagship for my business and it would have been nice if the representative who got me to put in the application was more knowledgeable of how things worked. I wasted a week for an approval by them only to have them turn me down because the nature of my industry is “high risk”. If the guy would have known before me even trying to apply, I could have saved a ton of time in finding a different merchant service to work with. Not to mention the guy wouldnt stop calling me until I actually put the application in, and then once we were waiting for the response, I couldn’t get him on the phone with me to save my life. I had to find out from other employees the status of my application.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Melinda

    Our company has had nothing but problems out of this company. They have the worst customer service (super rude representatives) of anyone I have ever had to deal with in my life and I would highly recommend anyone looking to process cards to keep looking! We were lied to about our rates twice and then a month after submitting “all the paperwork” that this company sent me to close the account it has never been closed and they are still charging me. I am EXTREMELY Dissatisfied with this company!

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    amy tarver

    if could give a 0 rating, I would. our initial account executive, Cameron, only told us about a monthly $7.95 fee, and the small per transaction fee. all these hidden or extra fees that we are paying now were not even on our contract. we had no idea what the fees were and had a hard time trying to get someone to explain them to use it’s not $7.95 a month plus the small 1.58%/>19%. we have been paying over $50 a month. i’m considering hiring a lawyer since none of this was in the contract.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. While we are confident all rates and fees were disclosed during the sales and application process, a courtesy refund of $32.95 was processed on 9/25. On 9/15, rates were adjusted to facilitate the situation as best we could.

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

    amy tarver

    never did get that refund…….

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

    Brad R

    But of course.

    1

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

    Juan Arango

    This is the worst company to work with, they don’t care about the service. and at the end they are going to charge you a lot of fees that you will not understand.

    1

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

    amy tarver

    agree. we are paying for fees that were never explained to us

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

    SEAN

    We are sorry to hear things did not work out. The customer is encouraged to contact us directly and speak with the Operations Department.

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

    Cody Schumn

    About me: I’ve owned a mail orer business for 9 years. I have been at my current merchant processor for 9 years. I have a flawless track record. I’ve never gone negative, never had insufficient funds, and my chargeback ratio is well below the average. I average $20,000-$30,000 in transactions per month. My average ticket is $350-400, with a maximum of $2000. I have a long track record and provided three months of mechant statements when I signed up with Flagship, to demonstrate my track record and establish trust.

    I recently decided to give Flagship a try, and it was the biggest business mistake I’ve ever made. I seldom make these types of mistakes, but I’ll admist to this one. I signed up in mid-July 2015, jumping through all of the hoops, credit check, paper work, phone calls etc. I was apprehensive due to the astounding number of negative reviews on the Better Business Bureau website, so I maintained my old merchant account in the mean time. It turns out that this was the best decision I made with regard to this entire process.

    I processed a single transaction with Flagship in late July, just to see if everything was setup properly, and that batches would properly deposit. The customer in question made a purchase of $389. The customer is an old, trusted customer, who input his verified billing address etc. All AVS and security features checked out, of course. After 4 days, I get an email from Flagship stating that my batches have been frozen due to ‘suspicous activity’ and the fact that the $389 order went over my stated ‘average’ of $350.

    Flagship asked for a copy of the cusomer invoice. I provided that. Flagship asked for my customer’s phone number. Though this is a breach of our confidentiality policy, I got the OK from our customer and provided Flagship with his number. Flagship called the customer and verified the transaction; batch still frozen. Flagship requested that I send them the tracking number for the package. Tracking number sent. Batch still frozen. USPS verifies tracking number. Batch still frozen.

    Now it is August 6th, and I get an email from a low-ranking Risk Management employee named Brady (last name ommited). He tells me that the batch has been unfrozen, but that he has decided to cancel my merchant account. I suspect that he did this because he was bothered by my repeated emails and questions regarding the frozen funds. This is extremely petty, immature, and unprofessional to the extreme. When I questioned his freezing of our batches, he seemed to take it personally, and wrote me page-long emails subtly hinting that I failed to read their policy. I had in fact read the policy, and was aware that funds could be arbitrarily frozen at any time for any reason. All I was asking him is WHEN our batch would be unfrozen, so that we could continue to process cards confidently.

    What I fail to understand is how our mechant account could be terminated after the first transaction, soley because that one transaction went $30 over our stated average. This is poor business practice. Flagship decided that after I shipped the product to my customer, they would ‘opt-out’ of our contract without ever depositing the funds into my account. So now, essentially, we have shipped product which we may or may not ever be funded for.

    I suspect, as do others, that Flagship freezes new account batches because they lack the liquidity to fund their current merchants’ batches. Essentially, they are probably using frozen batches from new customers to fund or obtain credit to fund their current customer batches. I made the mistake of letting another transaction go through them, because my rep said our batches were now ok, and that batch too has vanished into the void. I am out nearly $700, plus they charged me fees, and never ONCE, I repeat, NOT ONCE did they ever deposit money into our business checking account.

    If I do not receive a refund on all fees, and the full balance of my suspended batches, I will file a lawsuit.

    My account rep was excellent, but the risk management department of Flagship is staffed by rude, arrogant, vindictive people who will ‘get revenge’ on you if you challenge them or ask too many questions. AVOID THIS COMPANY AT ALL COSTS.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Linda Lutz

    I really can’t give them a good rating for having no termination fees since it takes forever to actually terminate your account. Terrible customer service. All they are really good at is Bait & Switch…and Smoke & Mirrors.

    1

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

    SEAN

    We are sorry to hear of the delay closing this customer’s account. However, we can confirm this account was closed per the customer’s request.

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

    Bryan Kinney

    MAJOR FRAUD COMPANY!!!!!!!!!!! MAJOR!!!!!!!!!
    Flagship Merchant Services is a Major fraud and rip off!
    Our account has been closed for months with them, Sent in the paper work, mail was returned undelivered, called them repeatedly to be placed on hold for hours, customer service rep’s cannot not seem to give our the correct info even there own address, they have been hitting our bank account over and over, we asked them to provide us with there email address so we can summit the paper work again, 4 different rep’s 4 different email address,
    they are refusing to cancel our account, this can not go on, we are a small business just like millions of other small business and we base our business on customer satisfaction and honesty just like millions of other small business, I could never conduct business like Flagship Merchant Services, nor would I be proud to work for them,
    Your logo has the American Flag on it, Your company is a disgrace to the American flag and the good ol USA!
    Do not do business with them at all Total Fraud!!!

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer in our database based on the information in this post. The customer is encouraged to contact us and ask for the Operations Department.

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

    jeanette jogiel

    STAY AWAY FROM FLAGSHIP MERCHANT SERVICES – RUN! IF YOU WANT POSSIBLE RESOLVE READ ON ABOUT MASSACHUSETTS / BUSINESS AFFAIRS, AQUIRING BANK REPORTING:

    My accounting with Flagship is a ‘business terrorist’ story. Proven covertly attacked by lies and ‘creative auto withdrawals’, deadly billing of double charging per month and more:

    LIE 1: Was purposefully lied to by rep on opening this account with flagship in Jan 2015. Had a full conversation about ‘monthly fees’ he said there were none – I stated to him – how you guys make money. He said via transaction fees. Like a fool I accepted their lies. There was no disclosure about PCI $95.00 fee nor minimum not meet fees of $25.00 a month.

    LIE 2: includes 5 ‘creative’ transactions fees:
    Flagship Representative “A” stated he would refund my 35.00 they took because of the lie and then charge me a $5.00 a month thru May till I had their system connected to my business. Then take $15.00 monthly for ‘quota not met fee’ starting in June 2015.

    MY BANK ACCOUNT STATES:
    Feb charged: 32.95 (After almost having heart failure – being lied to on sign up – Had to call several times to get my refund of 25.00 which took 45 days or so)
    March: 5.00 fee deducted (agreed on)
    April: 35.00 fee deducted (suppose to be 5.00)
    May: 5.00 fee deducted
    June: 95.00 PCI fee + 35.00 fee
    (was only directed to a rep that would do this with me -this for me was never told about it and they took another 35.00 not agreed upon fee)
    June again: yes double charged for May 25.00

    LIE 3: PCI when one does not disclose information it’s a lie. Was told someone would call me for PCI form with me – was never told about 95.00 fee!

    LIE 4: They are trying to double bill me after I told them I was terminating this service. Demanding yet another monthly fee was already billed for.

    LIE 5: Now this is real ‘customer service’! Lol
    I put a full stop payment on $148.95 auto-charge and call rep “A” telling him what a bunch of crooks they are he said immediately they would take me to collections – didn’t even go over the screwed up accounting they did to me. Now am their financial monitor keeping track of their business accounting!? Wow. He sent me cancellation form, which doesn’t even have their name on it! FTC said not to fill it out – but these idiots can cause more trouble if I don’t! Read on…. So, told him I would report them to FTC (feds) , authorize.net, visa and all their piers. He said go ahead. OK I did rep “A” and they are all very interested – see results:

    I have reported Flagship to the following companies that they are associating them selves with crooks: to Massachusetts Consumer Affairs, Division of Banks of Massachusetts, authorize.net, FTC, Visa, PCI, on the way to AMX, MasterCard, Discovery, Comp Controller of Currency, FDIC, AARP and PCI. These agencies took this report with great care, as they are very concerned and interested. If they get enough complaints (as there are so negative reports online about Flagship) wonder what can happen ☺ What will happen in future – haven’t even started my business and what about my clients money? This is as bad as paypal who is regulated by the FBI as an auction site I think. My old client reported paypal and never saw their money again! Have spent a few days of time with this and have found:

    MASSACHUSETTS / BUSINESS AFFAIRS:
    Mass.gov – THE 30 DAY DEMAND LETTER under CONSUMER – RIGHTS-AND RESOURCES section.

    WELLS FARGO / FIRST DATA: Is next for my reporting as this seems to be their acquired bank.

    LIE 6: Their advertising all over the internet. No Contracts yet that’s all they talk about it a contract between us! And there is no address listed on their web site.

    YESTERDAY
    Received ‘ipayment / Flagship demand letter’ and they added another 35.00 for double charges for same thing in May. So now they say I owe them 174.00 and haven’t even done business with them.

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

    SEAN

    We regret this customer’s negative experience. While we are confident all rates and fees were disclosed during the sales and application process, we have requested a courtesy refund of $80.90 in service fees. A collections balance of $148.95 has also been waived.

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

    jeanette

    There rep did ‘down and out lie’ to me ok. In jan when I called in to sign up – purposefully asking him about fees – “J” said there were none! I took pause..not ever using merchant services I said ok but thought it weird… asked him “J” how do you make money and he said via processing fees. This whole experience has bent my mind for business. Offering consulting / marketing / web services to small business this has been the worst experience ever. And you have the ego to basically state it was my issue you ‘are honorable’! Dude wow. Am still recouping from it. Getting refund was little of the bigger picture of transacting with these companies. The old saying time heals all is best medicine.

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

    Gary Wood

    Flagship is a scam. Their advertised “merchant rates” claiming they’re the lowest around in order to bring people in, omit the additional fees from their vendor processor “PCI”, who charge an additional $30 per month and $149 per year. Their merchant services are real, but their advertising, agent representation and billing practices are a huge scam.

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

    Martin

    This company is terrible. When we canceled due to poor customer service, they continued to bill us fees for an additional 6 months. These fees were automatically pulled from our account. I cannot recommend enough to stay away. 1 star is too high, but unfortunately is as low as you can rate.

    1

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

    Richard

    There was a period when I first started using Flagship where I would have given them a zero rating, but now that I have been with them for 6 months, I will rate them 2 out of 5. I think the decision to consider them (from a cost perspective) depends a lot on the type of transactions your business makes. In my case, I make a lot of small transactions ($5-$10) and now that I have experienced all the undisclosed fees that Flagship tacks on to your statement each month, it is obvious that a service like Stripe would have been a much better and less expensive option for my business.

    Sales –The sales rep will say anything to set the hook. My rep, [Name Removed], failed to disclose the PCI fee ($99 per year, even if credit card info does not traverse your web site), and gave me false information about transaction fees even after I asked her very specific questions. For instance, I have (in writing) an assurance that there would not be an additional fee for “authorizations only” (transactions for an amount of $0.01 to test for card validity). However, they do in fact charge a fee for that and refuse to stand behind what their sales rep gave me in writing. You will also encounter numerous transaction fees in addition to the $.021 that they advertise. Authorize.net will also charge a transaction fee that they don’t tell you about. They say these extra fees are akin to the FCC fees on your phone and cable bill so they don’t have to disclose them. That might be legal, but I consider it unethical, especially when I was assured over and over that $0.21 was “absolutely the only transaction fee”. If your average transaction amount is $50 or more, these fees are probably not a big deal but if you make a lot of smaller transactions ($20 or less) they add up very quickly.

    Customer Service – I consider this a wash. I have had several positive experiences with courteous and helpful reps as well as several frustrating experiences with nasty, defensive, condescending people who have no business in a customer service department.

    In retrospect, I am disappointed in myself for choosing Flagship Merchant Services. I went with them because I thought my costs would be lower. My initial cost analysis, based on the type of charges I make and the rates provided to me by their sales rep, projected an average total cost of about 4% on a $10 charge (as compared to Stripe’s cost of 6%). In reality, after all the undisclosed fees that Flagship charges, my costs are closer to 8%. So, my advice would be to anticipate a per transaction fee of twice what they tell you and instead of the advertised 1.9% of the amount, anticipate closer to 3%. Also, keep an eye on your statement – last month they snuck in an extra $20 monthly charge for a service called “COMPANY.COM Business Suite”. Apparently they think that they obfuscate the monthly statement enough that the average customer won’t notice. It would seem that their marketing director slept through the Business Ethics class that he took at Brandeis University.

    2

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

    Ashley W

    BEWARE! Based on my high volume business, this company said I would get the lowest percent charge rates. They said I would only be charged 2% on rewards cards and 4% on high rewards cards which are “hardly used”…..WRONG. I got my statement and every single credit card transaction I did, this company charged me 4%. THATS NOT ALL! It took me 3-5 days to get my money after processing a transaction. I never got my money earlier than 3 days. I cancelled after 3 weeks of horrible service. I WOULD NEVER USE THIS COMPANY AGAIN.

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer in our database based on the information in this post. The customer is encouraged to contact us and ask for the Operations Department.

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

    Angie

    This company is horrible!!! They are unethical, liars and thieves. Brett, our service adviser at Flagship opened 3 UNAUTHORIZED accounts for our company, when only 1 was supposed to be opened. I’ll bet his numbers looked great! I wonder how many others he does that too? For the past 3 months IPayment has been debiting our business checking for the additional 2 fraudulent accounts, which have never been used, to the point of overdrawing our business account. We have called a multitude of times and no one has ever been willing to help us. It’s a perpetual roller coaster that never ends. I spoke with Cassandra, a manager at IPayment who was rude, talked over me and was no help whatsoever! When I asked to speak with her boss she in fact stated that she didn’t have a boss and she was it!? Really? I asked if she was the owner? Just the fact that she’s a manager treating customers this way, giving such a low level of customer service worries me. The bottom line is that we want our accounts closed through this company and our money refunded. Cassandra was only willing to give us SOME of our money back….SOME OF OUR MONEY?? Why not ALL of our money that they stole from us??
    I would NEVER do business with this company EVER!!!! I’m contacting the BBB regarding this issue and if I don’t receive our money I will be filing a law suit against them.
    Do yourself a favor….DO NOT make the same mistake that we have….Look around and investigate other companies. I have found Square to be a better bet.

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

    William Taylor

    Worst bank or processor I ever dealt with. They withheld my funds. When I complained the risk management person, Aimee O’Dea, told me they could withhold my funds for up to 180 days. She was, in effect, telling me that because I complained I would be punished by her not releasing my funds. My clients repeatedly returned her phone calls to verify to her that the charges were valid. Still she would not release my funds, and still has not released my funds.

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer in our database based on the information in this post. The customer is encouraged to contact us and ask for the Operations Department.

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

    Kevin Sollie

    Signed up because of 4 star rating here when actuality it far much lower based on reviews on this webpage alone. I was promised a $100 gift card from Amex to offset the $100.00 they charges fro my terminal. THAT DIDN’T HAPPEN! I was also told I would be getting next day funding as I had with my previous merchant servicing company. THAT DIDN’T HAPPEN!(SUPPOSEDLY IT WAS A 1 DAY REVIEW. WE ARE NOW AT 2 WEEKS LATER). The Authorize.Net gateway is holding over $2000.00 in transactions for really no apparent reason. I am now going to try to get a refund for my terminal(which didn’t even come with an Ethernet Cable). I am closing accounts ASAP and just sticking with who I have. Rates are similar and communication is clear and consistent.

    1

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

    SEAN

    Customer satisfaction is of paramount importance to Flagship and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this customer’s specific account activity here, the funds referenced by the customer were addressed pursuant to the procedures referenced in the commercial agreement entered into between the parties. The customer has been informed of the status of the funds. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly. We can confirm the $100 referenced in this post was refunded back to the customer’s credit card on 5/12.

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

    Adrienne Franklin

    I do the office work for a sole proprietor painting contractor who is looking for a card processor. She filled out Flagship’s form for a quote and was contacted by a rep and then was sent an application form, which she filled out and returned. Then she read the reviews… She understood that she must be approved and thought she would then be able to decide whether to open a Flagship account, but the rep said “I can definitely cancel your acct… You need to sign a cancelation form” which sounds like there is an open account.

    I cannot find a cancelation form anywhere online, or any cancellation instructions. She has emailed him asking for one, but I’m concerned because he’s no longer chasing a commission. I think we should send a certified letter to Flagship on Monday.

    She has not been shown the contract or terms and conditions, and I can’t find it online, as I gather everyone gets their own. She has been given no prices. I know the contracts usually say that by applying, you agree to them, but am hoping that as she has had no chance to even see one, she will still have the right to withdraw.

    Can you help us? Do you know how I can find the cancellation form?

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

    SEAN

    All of Flagship’s application/agreements disclose the rates and fees associated with the merchant account. They must be e-signed by the customer in order to become active. Upon request of cancellation, our reps will typically email a PDF of the closure form that requires a signature. However, based on the information in this post, we were unable to locate this customer in our database. The customer is encouraged to contact our company and ask for the Operations Department.

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

    Adrienne Franklin

    Update – the sales rep emailed and said he was canceling the application, that since she had not yet been approved there was no account. We are watching the bank account that was to be linked like a hawk, but so far so good. So now she is in a mess with First Data, after their rep sent a copy of the signed contract that’s different from what we reviewed before signing (does not include waiving termination fee). Will post review there soon if we don’t hear from them soon – sales rep has disappeared.

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

    David abady

    I am finding out how distrustful this company is they misled me into believing my rates were 1.98% which actually they were 3.96 %. Colin misled me in the belief that this company was legit.
    Please do not use them the aggravation is not worth it.
    Feel free to discuss this type of confusion between qualified and non qualified cards with me!

    You cannot know the extent of the credit cards you are receiving and therefore a Scam!

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

    SEAN

    We regret that this merchant did not fully understand all of the terms of the agreement. The customer contacted our company and was then connected to an account representative who went over the rates and fees of our merchant services. The customer then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an “e-signature” with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. They were also sent a copy of the agreement and program guide on a CD with more details on their merchant account. As a courtesy, we are working with this customer on a rate reduction and possible refunds.

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

    Angie

    Hi David, we were also mislead. I needed to open 1 account and our adviser, Brett at Flagship opened 3 unauthorized accounts for us!? I only found this out after they debited almost ALL the money we made at our on-site show….in fees for not only the one account we knew of, but the other two fraudulent accounts!!! I’ve tried closing ALL the accounts, but they never do it and they keep billing us; stealing our money, and the fraud continues! They definitely do not want to refund us our money they stole, however, they said they would refund some of it?! SERIOUSLY!? WHO DOES THAT!? What a bunch of SCAM artists! Have you found a different merchant servicer? If so, we’d be interested in knowing who…we will need a different company soon, as we will be doing Sturgis in August. Thanks, Angie ~

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

    Ruth Goldner

    Working with Flagship was a complete nightmare.

    I signed up in January of 2015 and explained that I was a first-time merchant and needed explanation about how to do things properly. I gave the representative my information and he told me that he would hold my application and follow up with me in a week, because I needed to gather information from my bank. Instead, he submitted my application before leaving the company. Nobody followed up with me. After several long phone calls, I seemed to get things sorted out.

    Because of the strange circumstances surrounding my account application, I never got any sort of helpful explanation of what would be required of me. Contrary to what is noted above, nobody ever discussed PCI with me and I ended up getting hit with irreversible fees that would have been completely avoidable. In contrast, the new company I am working with made sure I understood everything that needed to be filled out.

    Once my accounts were finally set up (took 6 weeks), the first time I used my account, it wasn’t set up properly. Fees came out of an account that was not authorized for deductions, despite the fact that all paperwork and verbal representations from Flagship indicated that this would never happen. It took two months to get this fixed.

    When I finally went to close my accounts, I sent the forms to the email address indicated and received a confirmation. 9 days later, when I called for followup, they claimed that my forms had never been sent. I was also at this point told about a mysterious third account that had been set up under my name and never mentioned to me until now. I had to send in a third account cancellation form and resend my first two account cancellation forms.

    In the four months that I was a customer, I probably spent at least 20 hours on the phone with them trying to get my accounts functional. Their statements are incredibly difficult to read and do not contain complete information. They have many different departments and they do not communicate or share notes, so I was often given conflicting information. Some customer service representatives openly expressed frustration with Flagship’s limitations. Even though my account had nothing but problems and did not function for 50% of our relationship, Flagship never made any good faith efforts to reduce fees or take any other relationship-repairing steps.

    I am not happily working with a local company that takes my business seriously. It is incredibly easy to use their services, they charge me lower fees, and their system isn’t convoluted and confusing.

    1

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

    P. Vogt

    I cancelled my account with flagship merchants in March 2013 and received an email confirming this. Then on 12/31/2014 they charged my checking account $49.50. Since then I have not been able to get it back. Any advice?

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

    SEAN

    Unfortunately, we were unable to locate this customer in our database based on the information in this post. The customer is encouraged to contact us and ask for the Operations Department.

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

    Days Inn

    Flagship is one of the worst merchant services that is out there. We switched from our local bank’s merchant processor to flagship merchant service after reading excellent rating on toptenreview website. Now, I feel dumb to even have switched to this merchant service. On their website, the calculator shows that if I did $50,000 in sales, my merchant fee would be $500 to $600. I took those numbers to my local processor and they told me it would be impossible to get such low fees on $50,000 a month sale.

    I still switched it to the flagship merchant services. First month of switching it our monthly sale was $70,000+, merchant fee $2,500+.

    Dispute Fees:
    Flagship is one of the handful of companies in the entire United States that charges $35/transaction if there is a dispute.

    So lets say that I charged guest credit card for a hotel room for $55 including the taxes. And if this guest for any reason dispute the transaction with their bank, flagship would charge you $35 additional for the dispute. So, now you’re left with $20.00 which does not even cover my hotel expenses to for that particular room, I would be putting money upfront from my pocket.

    We charge extra person fees at my hotel which is $5 per person over two people in room. I have had card disputes for $5 as well and flag ship made me pay $35 dispute fee on $5 transaction.

    In 2012, I used flagship service for whole year and my business actually lost money just because of the outrageous fees that flagship does not disclose to its customers.

    In early 2013, I switched back to my local merchant service provider.

    Do you self a favor, and no matter where in the world you are, always use the local bank’s merchant service. This way you build relationship with your local bank and possibly it makes easier for that bank to loan you money for future because they already know how your current business is doing.

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer in our database based on the information in this post. The customer is encouraged to contact us and ask for the Operations Department.

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

    Joseph Langlois

    In July of last year, we switched processors to get much better rates and the sales rep, [Name Removed], was extremely helpful and the process went smoothly. Immediately after opening our account, the rep became unresponsive, but the first couple months saved us a decent amount from our previous processor.
    Then, all of a sudden, customers were contacting us unable to use their credit cards. When we contacted Flagship, we were told that a suspicious transaction was made and we should provide them copies of our invoices. We gave them everything and within a week we were told our account was closed (for one suspicious charge??). Our risk management rep, [Name Removed], refused to answer our calls and we could never get transferred to someone else. Luckily we kept the old account open because it would have taken several more weeks to open a new account. But they were holding a substantial amount of funds in case there were chargebacks.
    And now, I write this review a year later because after finally receiving our held funds, we were shorted. After weeks of requesting statements to verify, we found out that we had been charged $250 for PCI fees and $350 termination fee on top of numerous other things.
    So much for no termination fees (We didn’t even want to close our account, they closed it ON us). If it were $100 annual PCI fee, I may have accepted it, but $250? I would NOT recommend Flagship Merchant Services and I find it hard to believe that they have been rated so well here. I wish I had read the customer reviews sooner.

    1

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

    Days Inn

    Hello,
    Same thing happened to me. They put hold on our account because too many disputes, without me knowing about it withdrew $3500 from my checking out. I got the money back after 8 months of closing my account with flagship.

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

    SEAN

    Customer satisfaction is of paramount importance to Flagship and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this specific account activity here, the funds referenced by the customer were addressed pursuant to procedures as referenced in the commercial agreement entered into between the parties. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly and ask for the Operations Department.

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

    virginia carter

    if it were possible to leave a negative rating for this company i would. They do not deposit the entire amount of payment into your account, but instead take out fees prior to making the deposit, then take out more fees on my statement. This makes it very difficult to reconcile your payments with your accounting system.

    However, the thing that got me to kick them to the curb, was their unwillingness to process charges higher than $3000 (upgraded to $6000), I had to literally refund a payment of $24,000 to a customer because they disallowed it. (Let me add that i’ve been in business since 1988, and have never had this problem with my prior processor.) I had believed the online ratings that are posted by reviewers, much to my sorrow.

    I just received my monthly statement from Flagship, and they’re charging me a fee for the payment they refused to process. I have switched processors.

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

    SEAN

    Customer satisfaction is of paramount importance to Flagship and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this specific account activity here, the funds referenced by the customer were addressed pursuant to procedures as referenced in the commercial agreement entered into between the parties. We have requested a refund for the fees in question, but should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly.

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

    Dana Foulds

    Zero star rating would be my choice also. Upon signing up, I was told there would be a monthly charge of either $5.95 (to match a competitor) . I received written information by mail from Flagship stating I would agree to the Fee Schedule and Term and Conditions when making my first transaction. When I received the Fee Schedule by mail, I realized there were several fees that I did not understand and was not aware of so I did not use the terminal or make any transactions. I have been billed over $30 per month for services I have never used. In addition, when I attempted to return the equipment that cost $174.00, I was told that they do not except returns. Their website says otherwise. I have been placed on extended holds and shuffled from person to person. It has been a very frustrating experience and not a good fit for my business. Very Disappointing!

    1

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

    SEAN

    We are sorry to hear this customer was not satisfied with our services. While all rates and fees were disclosed on the merchant application this customer submitted, we have requested a courtesy refund of $65.90 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days. Our website states we will accept equipment returns within 30 days with a 15% restocking fee. However, we will take certain situations on a case by case basis. This customer was refunded the full amount of their equipment on 4/21.

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

    Christine A.

    If I could leave zero stars I would. I am ready to file a complaint with the Better Business Bureau. My rep signed me up telling me it was $7.95 per month with no minimum transaction costs. He told me not to worry about what was written in the Fee Schedule. Further, he led me to believe that I could put the acct on hold during the spring/summer months when we would have no business (we are a non-profit booster club). We have paid over $40 per month in service fees, plus $30 a month in non-compliance fees! Our bills have been $70.90 per month vs. the $7.95 I was promised! We simply cannot afford that. This program has COST us money, not made us money. As a final insult, on March 14, 2015, we had a big sale at school. I called and talked to several reps and none of them could figure out why we couldn’t log in to our own account to accept payments! As a result, we had a least one customer with a $90 order walk away from the table because we couldn’t log in and accept her credit card! The company is a rip off. I feel deceived… and now I’m embarrassed that I’m the one who recommended this company to our not for profit group who works hard to make every penny for our athletes and now we’ve just blown probably $400 of that money. What a costly mistake signing up with this company turned out to be!

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer based on the information listed in this post. The customer is welcome to contact us directly. Please ask for the Operations Department.

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

    Sandra Detar

    A Big ZERO. I would not recommend using Flagship Merchant Services. As others have expressed, everything that was told by their sales representatives is a lie. They use classic bait and switch tactics to get you to use their services. Getting simple resolution to problems is impossible. I have been trying to get charge/billing issues resolved with them now for 3 months. The attitude of the woman I have been working with is one of complete indifference. I’m very disappointed and disgusted with this company. I regret ever entering into any kind of business relationship with Flagship Merchant Services.

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

    SEAN

    We are sorry to hear of the negative experience described in this post. The account has been closed. While we are confident all rates and fees were disclosed during the sales and application process, we have requested a refund of the fees charged to this customer’s account. A check is being mailed to the customer.

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

    Lisa B

    The Flagship Merchant sales rep misrepresented pricing and contract terms on multiple occasions. She confirmed to me verbally when selling me that the monthly fees would be $7.95 from Authorize.net (Gateway). That fee was accurate. But then there would be $7.95 monthly from Flagship plus .0198 per transaction fee. I asked her point blank to confirm if those would be my only monthly charges and she said “Yes” . She never stated that there would be a Minimum Monthly fee of $25 that would need to be met each month in transactions. In researching online all the negative reviews from consumers on this company, I realize that this omission of this $25 is very common…..many have been duped like me….must be a common Flagship misleading technique. This rep was slow to reply to my emails and calls to clarify this matter. When she finally replied she said on one email that she was fixing my account so that that fee would drop to $15 versus $25……she never did that. Again she ignored my subsequent messages and emails, until finally she replied that I would need to take that monthly minimum fee issue up with “corporate”.
    So, on 10/28/14 I wrote an email to their operations manager, but that person never replied either!
    Another fee she never mentioned was the $99 PCI fee. According to the complaints filed online by consumers, this $99 fee is another hidden gem that Flagship will hit you with. Now, to make matters worse, I sent in the closure (cancellation) form on 10/31/14. But when I contacted her early December to see why we were still being billed, she wrote me 2 emails —on 12/2/14 and 12/3/14—each one clearly stating “the account has been closed”. Well, why were we billed for all of December if by 12/2/14 the account was closed???? After again going nowhere with her, on January 5, 2015 I contacted iPayment customer relations and the supervisor there said account still showed open….!!! (He did finally close it for us in January) Why would this rep keep misleading me?
    We should be refunded at least $149…that’s 2 months of this $25 fee and the $99 PCI.

    1

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

    Scott Smith

    Zero stars rating. This company employs planned lying from the first contact with the sales rep. Just received my first itemized statement for February. [Name Removed], my sales rep promised that the visa, Mastercard rate would be 1.58% . Nothing could be further from the truth. When I called their customer service I was told that the sales should of never said what he said and guarantee that rate. I asked her to call Youri to clear this up, she said that the customer service department has no way to get in touch with the sales team. Unbelievable that she could say that without breaking into laughter. Very long story short, If you want to get lied to and deceived, hire them, if not, never consider them as your processor.

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

    SEAN

    Unfortunately, we were unable to locate this customer based on the information listed in this post. The customer is welcome to contact us directly. Please ask for the Operations Department.

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

    Nicole Castillo

    Agreed, would give them 0 stars if I could. Ipayment is the real criminal here but Flagship failed to set my account up properly and now over 6 thousand dollars of my funds are being held. I newly signed up and have never received any payments , on my first group of transactions they said one of them was flagged for being over my processing limit (no one informed me what my limit was) and another one was held by risk management – so they froze all my transactions and now want to sit on them for 30 days. I cannot make payroll and lost a $6000 deal with a customer who felt she was being scammed because someone other than her bank was calling to verify information she didn’t want to give out. What a nightmare. And of course the person who set up my account says there’s nothing he can do. In 4 years I have never had a chargeback – I even sent them my last 6 months of merchant statements.

    1

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

    SEAN

    Unfortunately, we were unable to locate this customer based on the information listed in this post. The customer is welcome to contact us directly. Please ask for the Operations Department.

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

    Tonisha Jarrett

    If I could leave zero stars I would. This company is terrible. [Name Removed] signed me up telling me it was $7.95 per month with no minimum transaction costs. When I asked about the numbers in the Fee Schedule he told me it was just how the paperwork was done. He also completed my compliance survey to avoid the fees. However, none of this was true. I have paid over $40 per month and just got the $30 non compliance fee added because he didn’t submit the survey. The company is junk. Customer service is crap too. They’re rude and have no idea what they are doing. NEVER use this company.

    1

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

    SEAN

    We are sorry about the misunderstanding and poor experience this customer reports. We can confirm this account is closed. As a courtesy, we have requested a refund of $139.94 in service fees that should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Nicole

    Thank you so much to the reviewers who posted here…I am in the process of choosing a credit card processor and wondering which one you have had good experience with. Obviously , Square.com is the most well-known one out there, but seems rather expensive…any other options?

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

    Tom DeSimone

    Hi Nicole,

    For lower volume businesses (under $5K or $10K monthly), options like Square actually end up being the less expensive avenue because there are no monthly fees. But instead of Square, consider a provider like Flint Mobile. Payline Data also has a good option for low-volume businesses, as does Payjunction.

    If you’ll be processing a higher volume, consider our top-rated providers. If you need more help choosing, submit this form and we’ll get in touch ASAP!

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

    Tiffany Malcolm

    I too am not happy with Flagship. The customer service is not bad and everyone I’ve ever spoken to is helpful and pleasant. My issue is the fees that pop up here and there. PCI compliance fee and now a Reg Reporting fee. What has prompted me to change providers, however, is the length of time it takes for our money to reach our bank account. Sometimes as long as five days, hardly ever sooner than 3. In my business, being retail, I need that money in my account in a reasonable amount of time. I am giving Dharma a try and will review again if there are issues with leaving Flagship.

    2

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

    SEAN

    We’d like to help! While all rates and fees are disclosed during the sales and application process, we would like to try and accommodate whenever possible. Unfortunately, we were unable to locate this customer’s account based on the information in this post. Please call us directly and ask for the Operations Department.

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

    Robin Anderson

    Well, here we go again. Flagship once again has taken the “Gateway Fee” from my account over 2 months after I terminated the agreement. I have again written to my sales rep Joshua Longway to have this problem dealt with. So today, I once again have to contact my bank and this time dispute the charge. For those of you who don’t know it, on business accounts you have to report the issue within 24 hours or you are SOL. I deal with Compass bank…please don’t get me started down that customer service nightmare road about them either….they require notification within 24 hours of the invalid charge on the account. How many of you out there think that there should be a class act suit again Flagship filed immediately?? Can we say nightmares on the nightmare??

    1

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

    SEAN

    As a courtesy for the issues the customer encountered, we have requested a refund of $266.85 in service fees. We wish things had turned out better, but we can confirm the accounts are now closed.

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

    Lusine Toensing-Makaryan

    FRAUD !!!! Fraud , junk company.
    I used them for a month or so in 2014, then I wanted to close the account. AND THEY WOULD NOT LET ME GO. I have all the written proof of my complaint. Run away from Flagship Merchant Services company ASAP, or better even never start with them. There are many other reliable honest companies to work with.

    I asked to close my account, my agent specifically promised that if I sign a closure document and send back to him, my account will be closed right away without any problems and without any future money to pay, no fees, nothing. Then I found out that Flagship Merchant Services kept withdrawing UNAUTHORISED money from my banking account. Imagine that!

    It was closed in September, and they kept stealing from me for October, November, December. I told them about that. My rep was returning my emails after several days, weeks sometimes. What professional person does that?! And If I call, they keep transferring me from rep to rep, and they keep telling fairytales that they never heard that my account closed. (I have a written proof of everything). Flagship Merchant Services owes me money for those months, and additionally, money that my bank was charging me for overdraft protection – because Flagship Merchant Services was draining my account. I kept calling them telling that they should stop withdrawing money from me because my account is closed in September, by they said no, it is still open. Then at the end of conversation they said ok, we will close the account. But then they kept it open, like my account is some kind of gold mining for them….

    My immediate agent was Matthew Kersker who confirmed that yes, he closed the account in September, and then when I eventually could get a hold of another rep, some Aileen who promised AGAIN to take care of this issue if I send her all the proof, (which I did)—she never bothered to write me back even when I asked several times. Matthew Kersker said that YES, it was a fault of Flagship Merchant Services, and they should have no problem to refund my money. Where is my money?!
    They even sent me letters threatening to file on me to credit bureau company and that I would never again be able to open credit cards, or take loans, etc, and my credit history would be damaged. How they dare to treat me like that?!

    And after these months of my “battle” with them regarding my refunds, today, in Jan 30th 2015, I found a new surprise – they decided to close my account today. Really?? Well, that is indeed “interesting”. And where is my money that Flagship Merchant Services was unauthorized draining from my account? I am hurt, disappointed and humiliated. I doubt this Flagship Merchant Services will stand up, refund my money, the money that they took from me unlawfully. Shame on you, Flagship Merchant Services!!

    1

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

    Tony Chima

    I am having the same exact issue. My rep [name removed] stopped responding to my calls and emails after two weeks of signing up. Then I started seeing all kinds of BS fees coming out of my account. When I call and hold forever then waste 5 mins of telling them all of my security information which by the way is a joke, they act dumb, have no idea what the problem is. Check they’re notes, “who did you speak with because I don’t see anything here?” I spoke with [different rep] 5 times, got the cancellation form weeks AFTER I tried to cancel. Sent it back right away but yet still no cancellation and yet another 250.00 taken out of my business checking account. Spoke with [another different rep], she’s clueless and swears that no one there has an email account or direct ext. on their phones. Then I get [yet another different rep], seems like he’s got it together, I’ll make sure Mr. Chima that this is cancelled and I’ll even call you tomorrow to let you know the status. STILL NOT CANCELLED!!! I sent them all an email together and plan on filing suit at this point. In the mean time I have to spend yet more time going to the bank to depute the 750.00 they’ve stolen since DEC. as well as closing my business account and paying for new business checks!

    [Editor note: representative names removed as per our comment policy.]

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

    SEAN

    We are sorry to hear of Tony’s difficulty closing his merchant account. It also appears the signed closure form was not initially received in this case. As a courtesy, we have requested a refund of $589.72. We have requested a check be sent to the business address.

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

    SEAN

    We are sorry to hear of this customer’s negative experience. Because we provide a financial service, we typically require signed authorization from our customers to cancel their merchant account. It does not appear a signed authorization was initially received in this case. We can confirm this account is now closed. As a courtesy, we have requested the collections balance be waived. We have also requested a refund of $279.28, which should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Mark Mancebo

    Like many other people have commented, this company was great at getting our business but severely lacked any follow up since then. I had heard many great reviews about them and how the service was great. I have to say, it was not there at all. After being told I could put my account on hold for any length of time then reinstate it as needed at no charge, I found this to be not true at all. I was unable to reach or get a return phone call from my rep for over a month. When I finally was able to speak with a supervisor she informed me I would be charged for the hold (and not reimbursed for the time it took anyone to finally speak to me), even though the rep has specifically told me would not be the case. As for putting it on hold for an extended period of time, not a chance! This company is not worth using. They over charge and do not give truthful information in an attempt to get you to sign up with them.

    1

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

    SEAN

    We are very unhappy to learn of the customer service experience this customer describes. As a courtesy for the communication issues described, we have requested a courtesy refund of $98.70 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Robin Anderson

    Flagship is a company that doesn’t care. Their customer service is horrible, the PCI fee is never disclosed on the statement. I went into the PCI website, went through the assessment, the site erorred out while I was in the middle of it. I never got a call from Flagship to assist with walking me through it. I had several accounts and I was assessed extra 100’s of $$ in fees. They would not work with me to reverse the fees. Even after I cancelled, they charged me an extra gateway fee after I didn’t do business with them. Horrible service!!! Do yourself a favor and go to square or I’d recommend Key bank’s processing. Not quite as good of a rate, but the service actually exists and the CSR’s don’t sit and argue with you. Your account rep will actually go to bat for you instead of sitting on their hands and sending you a cancellation form versus trying to work issues out.

    1

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

    SEAN

    All PCI related fees were billed to this merchant from their credit card processor I-Payment. PCI/DSS stands for “Payment Card Industry Data Security Standards” and it is a Visa/MasterCard requirement that all businesses that accept credit cards are PCI/DSS compliant, keeping their customer’s credit card information safe from being compromised. The PCI fee of $99 was disclosed during the application process with this merchant, and was in the PDF that they received upon completion of the application. In the application it said in the “Schedule of Fees” portion: “A PCI Compliance and Data Security fee will be applied on an annual basis.” Although our organization feels that the PCI-DSS related fees were disclosed and communicated to this merchant, a refund of $152.82 was credited to the customer’s checking account on 2/11. Another refund of $99 is currently in process and should deposit into the customer’s checking account within the next 7 to 10 business days.

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

    Ken A.

    Fees:
    Batch Header: $1.71
    Statement Fee: $7.95
    Reg Reporting AF: $49.95
    Internet Access: $7.95
    PCI Compliance: $99 + $30 each month you don’t complete the PCI survey.
    This is just a list of fees off of this month’s statement and the top of my head.

    I began using Flagship in early 2012. Such fees did no appear on my statement. I just called them and the rep offered to waive all sorts of fees and whatnot. Typical parasitic business model. They are bleeding their clients for $99 here, $49 there… unless you want to call and complain every month, move on to another cc processor.

    1

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

    SEAN

    We’d like to help! While all rates and fees are disclosed during the sales and application process, we would like to try and accommodate whenever possible. Unfortunately, we were unable to locate this customer’s account based on the information in this post. Please call us directly and ask for the Operations Department.

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

    Vanina Wolf

    I chose flagship to process my credit card transactions, because it offered the best rate/fee structure, provided that I would be PCI compliant. While the customer service was outstanding in setting up my account. Once I was up and running, I couldn’t pass the PCI compliance scan, and was subject to much higher fees. No one in my office, or comcast could figure out why I couldn’t pass the compliance scan. It was impossible to get in touch with anyone at Flagship by phone, email, or fax. In fact, I received an email saying that I had to fax my complaint with a form, which I did. 5 days later, I received an email (with no return address or contact information) saying that my complaint couldn’t be processed. I’m still trying to get reimbursed for those fees. Communication with the company is terrible, once your sales rep has “closed the deal.”

    3

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

    SEAN

    We’re disappointed to hear of this customer’s experience. Our offices are open Monday through Friday, 9am-7pm EST and we do not require faxes for complaints or issues. A live representative is almost always available. We also have a 24/7 support line for our client’s if they need assistance after hours. We’re sorry to hear customer service was not able to adequately assist with the PCI compliance certification. As a courtesy, we have requested a refund of $99 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Gregory Pratt

    I only wish it were possible to leave a 0 star rating. This company is the biggest bunch of cons and theives I have ever dealt with and I hope to god they lose their license immediately.

    They promise you a rate of 1.98 but it does not take long to realize you are getting charged over 4%. They are cons, theives, and I am reporting them to the BBB along with any other govt. agency I can find.
    They also will fake “electronic contracts” that lock you in, but the hell if they think I am paying for that.

    1

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

    SEAN

    We’d like to help. We were unable to locate this customer in our system based on the information in this post. Please contact our company and ask for the Operations Department and we will try to assist as best as possible.

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

    Renee HC

    Terrible company; terrible experience. I hired this company based on positive reviews online. I called and was quoted a price by agent [Name Removed], who promised me that I would deal with him only moving forward. After 2 months of billing, I received charges in excess of what he quoted me, which we did not agree upon. [The representative] refused to respond to my inquires and directed me to the billing department who advised that “interchange fees” could not be predicted and I would be charged an unknown about for these fees every month. To make matters worse, I called another Flagship agent who confirmed I was being over billed. When I followed up with [the representative] via email he refused to call me and simply sent me a cancellation form. I regret ever hiring this company.

    1

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

    SEAN

    All rates and fees were disclosed during the sales and application process. However, as a courtesy, we have requested a refund of $85.06 in service fees that should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Baron Abboud

    WE have only been using your service for about 2 months. But on our first statement we noted that your company was charging almost 4% for processing. The sale representative had quoted a rate of 1.98%. We have called the service representative and emailed yet we have received no response back other than “I will look into it”. The service representatives name is [Name Removed] (a senior account rep). I don’t really understand what there is to look into – you promised a rate of 1.98% and have billed almost 2x that rate. Don’t waste my time with another email promising to look into the matter, rather admit you have made an error and credit the overcharge back or admit that the rate is 3.96% and your sale representative misrepresented your company. If in fact the rate is 3.96% I will find another processor and would expect that you would refund the overcharge as it should be your policy to supervise your account representatives and insure that they are in fact representing your company honestly.

    Baron Abboud
    480.513.4065

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

    SEAN

    We are sorry to hear how things have turned out for this customer and the communication issues they described in this post. All rates and fees were disclosed in the merchant application and agreement the customer signed. As a courtesy, this customer’s non-qualified rates, batch fees, and customer service fees were reduced. A refund has been requested to credit the differences.

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

    John Marquis

    I would have to agree with all of the other negative comments about Flagship. Knowing what I now I would have not have signed on. My total cost to used them is around 5%.
    This what I wrote to them:
    I am cancelling my service with you based on deceptive practices. Since you have desire to refund the extra monthly fees that I was charged especially after asking your sales rep Ryan Kelleher about in the email string below.

    [Name Removed],
    I was reading about Merchant Services and one of the biggest complaints was hidden monthly fees. What are the monthly fees? You said $7.95 is their anything else?
    John”

    Sales Rep response:
    John,
    Our customer service fee is $7.95, which allows you to keep track of all of your transactions, provides customer and tech support, and also pays for the statements that are sent to you. Thanks.
    Sincerely,
    [Name Removed]
    Account Representative

    Fees I have been paying:
    Reg. Reporting Fee: $49.95Year (not disclosed)
    Internet Access: $7.95 (Not Disclosed)
    Additional Fees: $30/mo PCI (Not disclosed) I guess I was to fill out this complicated group of questions to get a certification but in any case not part of the original deal!
    Statement Fee: $7.95 (Disclosed)
    PCI Fee: $99/year (Disclosed)

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience with our company. This customer was notified of the $49.95 regulatory reporting fee 30 days prior to the charge on page 1 of their merchant statement. All other rates and fees were referenced in the merchant application agreement that the customer reviewed and e-signed prior to account activation. However, as a courtesy for the misunderstanding, we have requested a refund of $268.11 in service fees. These charges should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Tony Chima

    Hey Sean, are you sorry that all of your people are full of it? I have been trying to cancel since December and you’re still stealing from my business account. I dealt with [name removed], [name removed] (terrible rep), I forget the other female because she drained me with her stupidity, [name removed] who swears no one has an email account there to contact (BS) and [name removed] who promised to call me back yesterday to make sure that THIS TIME MY ACCOUNT WAS REALLY CLOSED! Nothing! Your company stole hundreds of dollars from my business account and I will do whatever it takes to make sure you pay me back and to let everyone in business know what you guys are really about. SCAM! Feel free to call me back anytime. 215.589.0678 Tony

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

    Habip Cetinkaya

    it is by far the worst business transaction I have had. every month there are new fees and the fees are not even explained on the statement. statement says “please contact merchant services”. when i call and speak to someone after waiting half an hour due to high volume they have, they tell me that it was on my contract even though none of them were on the list of fees they told me. Non compliance fee for about 5 months then compliance fee when you comply. $50 to send you a 1099. I am paying over %4 of my sales to these people now.
    funny thing this website gives them a favorable rating.

    1

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

    SEAN

    We are sorry to hear of this customer’s negative experience. The rates and fees were discussed during the sales and application process. Any additional upcoming rate/fee changes were disclosed on page 1 of the merchant’s statement. As a courtesy for any misunderstanding, we have requested a refund of $99 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days. We have also requested that this customer’s non-qualified transaction percentage be reduced by 1.06%. This change should reflect in the next week.

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

    Robert Custrini

    Beware of this processor! Though they have obviously gone to great lengths to present themselves online as having great rates and good customer service, they go beyond bait-and-switch by withholding rate information at the time of sign-up. They do so by offering what appears to be a very competitive rate on “qualified” transactions. The problem is, VERY few credit or debit cards actually qualify and there is no way to know which will and which will not. Very slippery. While the customer service people are pleasant, they are also very well trained to not provide the information that you really need. If they did, this would make it clear that their business model is built on deception. When I discovered the rates I was actually paying (versus what they advertised), I closed out my account. This was in early September of 2014. A week ago (on 12/31/14), a PCI compliance fee of $99 was deducted from my checking account. I called customer service and after a 25 minute hold I was finally connected to a representative. When I explained that I had been mistakenly billed for a compliance fee on an account that had been closed months ago, she indicated that there was nothing that she could do because the account was active during a portion of 2014. It is, of course, outrageous to be charged a compliance fee on a nonexistent account, but she would not budge from her position and refused to refund the fee. Instead, she kept instructing me to look at my contract. After a good deal of research, I am now using another card processor and am very pleased with the transparency and fairness that they practice in their day-to-day operations. I would strongly recommend staying away from Flagship.

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

    SEAN

    We are sorry to hear of this customer’s negative experience. The customer’s $99 annual compliance fee covers the cost of their annual PCI certification to show compliance with Visa/Mastercard’s security requirements. As a courtesy, we have requested a refund of the $99 annual PCI compliance fee. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Lisa Wilson

    Beware of this company! I just got off the phone with “customer service” because a fee showed up on my December statement, charging me $49.95 to issue a standard 1099-K to the IRS. WHAT?!? That’s like me charging my employees to issue W-2s for them! Absolutely ridiculous! I called to argue it, and was told by one representative that she could waive the fee “as long as I agree not to cancel the account.” I said that I can’t agree to that because I don’t want to do business anymore with a company like this, and I was switched to a second person who said there was nothing that could be done. That felt a bit like blackmail – only offering to waive the fee if I agree to continue with them. Horrible. She offered to have a supervisor call me, but I don’t hold out much hope because no one at Flagship has ever called me back when they promised to. I intend to switch processors ASAP.

    1

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

    SEAN

    We’d like to help. Our customers who were assessed the regulatory reporting fee were notified on page 1 of their merchant statement 30 days prior to the charge. We would be happy to refund this fee as a courtesy. Please contact our company and ask for the Operations department so we can assist.

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

    Seanju DelVecchio

    I am so disappointed the flagship, decided to make time to write a review. I used another merchant service and compeleted the PCI test in order to avoid pay $99. But I was not happy with them beacuse the hidden fees, so I switched to Flagship. I made sure understanding of all the fees they were going to charge me. I read all complains and had really carefull to understand their fees, including the PCI fees. Flagship told me that there won’t be PCI fees since I took the test. after 3months I used their services, I relized that the service cost more than what I expected. Eventhough I earned nothing I had to pay. So I decided to cancel the service. The month I canceledd their service, I had $200 income, onetime service. Later on, when I looked my bank statement, the flagship charged me $125 ($99 for PCI and monthly fees and the one time credit card swifted fees). The reson was that I had to pay the $99. They said it is not PCI compliant fees but PCI annual fee. I was so mad!!! There is no way that I can get the $99. I asked to my bank to make sure not make to payments to the Flagship in the future, but they could not stop the auto payment. It is not the bank’s faul, but sounds very hard to do that. I have to close my business account now. I hope nobody use this bad service.

    1

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

    Sean

    All PCI related fees are billed from their credit card processor I-Payment. PCI/DSS stands for “Payment Card Industry Data Security Standards” and it is a Visa/MasterCard requirement that all businesses that accept credit cards are PCI/DSS compliant, keeping their customer’s credit card information safe from being compromised. The PCI fee of $99 was disclosed during the application process with this merchant, and was in the PDF that they received upon completion of the application. In the application it said in the “Schedule of Fees” portion: “A PCI Compliance and Data Security fee will be applied on an annual basis.” Although our organization feels that the PCI-DSS related fees were disclosed and communicated to this merchant, we have requested a refund of the $99 compliance fee, which should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Dana LeBlanc

    Tom,

    I like that you do very thorough reviews and are very candid. I also appreciate that you take the extra effort to explain processing and all the potential “gotchas” that merchants make encounter navigating the murky waters and often hidden charges imposed by many unscrupulous processors. Conversely, you guide them to good processors who offer honesty, integrity, service and support.

    In reading this review of Flagship, you did a great job of identifying what merchants will get, both good and bad.

    As a side note, I work as a rep for a competing processor and appreciate that you level the playing field and provide good, useful information. I often refer to your site to assist merchants in making an educated decision regarding their processing needs.

    You understand your own competition as well and hold them to high standards. I was looking to get reviewed by the “TOP TEN PROCESSORS” for our company and was contacted and quoted a “FEE” of $10,000/month to be listed . That struck a negative chord with me as it appears processors get preference based upon $$$$. I don’t believe processors should “buy” their ratings, but should truly “earn” them. I am not sure how you make your money off your site, but would assume (based upon your straightforward reviews) that you are operating to a higher standard.

    Keep up the good work.

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

    Greg Holland

    There is not a rating low enough for this company , the start up was good , the reader is free , and the money goes in my account just fine….B U T , these people need a Class Action started against them , they lie and charge you way over what they say and you can not get them to give your money back so all we can do is call and get lied to more and more. There is no telling how many hundreds of thousands of bucks they steal from people every month/year . How in the world does this company get a #1 rating ??? Is anyone reading our complaints??? They will make you to fill out their yearly forms for the Feds so you will not be charged then lie and turn right around and try to slip it right out of account….. people listen up , you WILL get ripped off and you WILL loose your money with this company !!!… sign me up for that Class-Action !!

    1

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

    Sean

    We are sorry to hear of your poor experience. We would need to verify your account information and we will be happy to assist you with your account. When you call in, simply ask to speak to an Operations Manager and reference this post.

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

    Steve Hatch

    You named it in your review article:
    Difficulty cancelling service: I have done everything requested multiple times over two months. Still getting billed. The “Customer Service Lady” I just spoke with blamed me because I am not following up enough. WOW! and still getting charged.
    Poor customer service after signing.

    1

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

    Sean McEvoy

    We are sorry to hear of your poor experience. We need to verify your account information and we will be happy to have your account closed. We will request a refund of any charges for the months that the account was to have been closed. When you call in, simply ask to speak to an Operations Manager.

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

    Kenneth Matteo

    RUN DON’T WALK……..Lies lies lies lies…….I have been waiting 3 plus weeks to clear a $10,000 transaction …..no returned calls extended hold times . I have finally had it . Yes in the middle of my busy season I’m switching….that’s how I found this site ….not to leave this comment. Oh but don’t let me forget my latest bill $9000 in transactions (we mostly take checks) and $400 in costs OVER 4% can you say ….BAIT AND SWITCH
    Oh but don’t worry I will stalk them on every internet review board like a STD. You may have ripped me off but the price will be high and those doing there do diligence will hear me LOUD AND CLEAR.

    1

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

    Sean

    We are sorry to hear of this customer’s negative experience. We were unable to locate this customer based on the information in this post. We would advise this customer to contact us and request the Operations department. We will attempt to facilitate this situation as best we can.

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

    Lew Pewterbaugh

    Difficult to get a hold of, They deducted $50.00 a month from my account, then charged $149.00 for PCI compliance then locked my terminal, which I paid for. Paperwork out the wazoo, and then it was all wrong. Stupid, impossible to talk to, and when you do, you get bad info. I would not recommend them to anyone. There may be some people happy with Flagship, but I notice they are no longer in the top 10. Must be one or two others like me.

    1

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

    Sean

    We are sorry to hear of this customer’s negative experience. While we are confident that all rates and fees were discussed during the application process, we will request a refund of $249 in service fees. This refund should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Dana Hudson

    My friend and I started our own candle making company earlier this year. I researched a number of merchant services options before deciding on Flagship Merchant services. At first, they seemed to offer the best deal – ranging from 0.98%-1.98% + $0.09 per transaction depending on the type (check card, card present or card not present. The the $7.95/month fee for the Flagship account and $7.95/month fee for the mobile card reader seemed pretty much par for the course. But on our 2nd invoice, we started seeing a $25 monthly minimum fee. That monthly minimum fee wasn’t discussed or explained to us at all when we signed up for the account, though after reading our contract paperwork, I did find it in “fine print”. I feel totally taken advantage of!! Furthermore, when I brought the matter up with our sales rep, saying I was especially surprised b/c the charge wasn’t on our first invoice, he did absolutely zero to explain the charge. Just said I should call the billing department – “They can breakdown the rates and fees and issue any refunds if necessary.” What a bunch of BS – how about I just cancel the account instead!! I’m giving them 2 stars, b/c I rather like RoamPayX, which is their mobile payment solution.

    As a side note, I’ve learned that Square is the most cost effective mobile merchant services solution if you do a low volume of sales – <5K/month. We do <$1000/month. Even w/out that $25 monthly minimum fee, Square is still going to be the most cost effective solution for us.

    2

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

    Sean

    We regret that this merchant did not fully understand all of the terms of the agreement. The customer contacted our company, and was then connected to an account representative who went over the rates and fees of our merchant services. The customer then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an “e-signature” with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. As a courtesy, we have requested a refund of $164.21 in service fees which should deposit into this customer’s checking account in the next 7 to 10 business days.

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

    Kathy Crotts

    Do not do business with this company. When I first contacted them they couldn’t have been nicer, but once I signed up all my calls went to voice mail. They charged me for September even though they had promised to wait until October because I wasn’t using it until then. They fees they charged me for my $1 test added up to $3.21 plus the monthly fees (a total of $44.01) which were much higher than quoted. They promised to refund that full amount but as of today they have not. When I got my September statement (on October 10th) it stated that as of October 1st rates would be increasing by 0.20% + 0.10 – a huge difference! When I called I of course got voice mail, but after calling back several times I finally reached a supervisor who knew who I was without my saying so obviously he was looking at caller ID. He sent me a cancellation form right away and promised to close out my account, but I have heard nothing since returning the form. The supervisor told me to contact him from now on and that all calls are returned in 24 hours but that is not the case. I have been communicating by email as much as possible in order to have a paper trail, but now I can’t get any response. Now I will have to go to the bank and either put a stop payment on them or if that isn’t possible, close my entire business account and start over so that they will no longer be able to access my account for fees. What a nightmare!

    1

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

    Sean

    We are sorry to hear of this customer’s poor experience. Customer service is of the utmost importance to Flagship. We can confirm that this account is closed and that a refund of $40.89 was deposited into the customer’s checking account on 10/23.

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

    Amy Stringham

    I had a very bad experience with this company. I requested closure of our account last August 2, 2014 as our season has ended but apparently they did not close the account. They keep on charging our company which prompted me to call their attention. For the second time they assured me that everything us taken cared of. Them the following month I received another charge. When I called this time I was already fuming mad because of the mishandling of our account. This time they said there was an error on the filing of closure that it should be signed by the one who requested the opening of the account which is a very flimsy alibi. What if the one who signed the opening no longer works for the company. This is making it difficult for companies to make changes on the account. Plus they boast for their reliable and courteous staff. But they are rude and does not understand good customer service. It took me to call back 4 times to make sure our account was taken cared of. They also block my computer from sending emails to their site. This greatly inconvenience us.

    1

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

    Sean

    We are sorry to hear of this customer’s experience. Because we provide a financial service, we require a signed authorization to cancel by the original signer of the merchant agreement. The signed authorization does not appear to have been received on the first attempt. We can confirm this account has been closed. As a courtesy, we have requested a refund of $95.90 in service fees which should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Aja Senestraro

    I wish I had read this before I started doing business with this company. I saw their good ratings as a mobile credit card reader provider on some of the comparison websites. I don’t know if those sites were being paid off or just take no account of customer service and complaints. The whole experience has been horrible. First they had hidden fees. Then cancelling was a nightmare. Customer service was not only unhelpful but actually straight lied to me on three occasions. They also did not send me the necessary paperwork (or inform me of it’s existence) to actually cancel the account when they said they would. Either they are grossly incompetent or intentionally fraudulent in their handling of clients. My feeling is the latter but either way horrible company, don’t do business with them.

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

    Sean

    We’re sorry to hear that this customer’s experience was a bad one. We’re fully confident all rates and fees were disclosed during the sales and application process. However, as a courtesy, we will request a refund of $112.67 in monthly service charges which should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Evelyn Scott

    I have had an absolutely horrible experience with this company. I will try to make a 4-month infuriating ordeal very concise. Roampay is the mobile device card reader they use. It had a “glitch” for 3 days in June 2014 where if you were using wireless and not wifi it would represent to you that a card was not being read and the transaction not processed. — Turns out – in fact it WAS being processed – multiple times. The kicker is it showed up no where in the “roam pay” records that it was processed more than the one time. Consequently, my client who was paying me a $500 deposit was charged $2,000. Neither of us knew till our bank statements came out. I called my client and assured her I would speak to the merchant services company and make sure it was refunded. I could not refund it myself – because it never even showed up on my records that she was charged more than the $500 that was supposed to be. Flagship withheld funds from me without notice to repay the deficit (which was fun since I am a very small business and it sent it into overdraft) — then never paid them back to the cardholder. 3 months have gone by (it is currently October 2014)– ipayment is sending me collections letters demanding $2,000 and all the while they have had the money since the beginning of August. I’m not sure if the right hand does not know what the left is doing — or if these people are just criminals, but I am astonished at the situation. So . . . to sum up – the Roampay reader had a problem (not me — the reader – the company acknowledged the “glitch” to me — would have been nice to have sent out a letter explaining that to my client) – they overcharged my client, withheld and withdrew funds from my business account without notice – and have never repaid my client, and are now sending me to collections to get ANOTHER $2,000. The “risk department” is atrocious. I especially love how they classify my problem as a “charge-back issue” — as if I have some disgruntled client who disputed the charge because I did not render services. Roampay charged her multiple times —- took the money back and have still never paid her. I have spent at least 20 hours on the phone with various departments trying to remedy the problem. I have canceled my account and the saga just continues. The sales rep who opened my account has never spoken to me since (Christoper Crook) not even to call back and say — “hey I’m not the guy to talk to about that let me give you a number of someone who could address that issue”. The risk department guy assigned to my account (Ken Mejes) is simply awful. They would not reassign the case to someone else —- and so here I sit 4 months later – with a pissed off skeptical client who is wondering what the heck is going on. $1,500 of money gone. And collections e-mails. Please – never deal with these people. I cannot tell you the stress, heartache and ridiculousness I have endured because of this giant snafu which should have been a small issues – easily addressed.

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

    Sean

    Customer satisfaction is of paramount importance to Flagship and iPayment and very much regrets if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss a customer’s specific account activity here, the funds referenced by the customer were addressed pursuant to the chargeback procedures as referenced in the commercial agreement entered into between the parties. The customer has been informed of the status of the funds. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly.

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

    Dena Kelley

    Can I give FLAGSHIP NO stars? This Company is ridiculous! We are a band and sold 6 CDs in total, at $10 a pop. They didnt even have record of 5 of the CDs sold, then they proceeded to charge me 45$ a month and then 70.90 a month for internet fees, “PCI fees”($30 a month), and “minimum discount fees ($25 a month). The reps (multiple because we called in several times before signing up for this service) said it was 7.95 a month….Not the case it is at minimum $15.90 a month and then they will start adding the $25 fee and then the $30 fee. Not a good situation for an indie band who sells only a few CDs every other month (By card reader). Use the SQUARE! They only charge a flat fee per transaction, no set up fee and no monthly charges…Then when I tried to resolve these charges they proceeded to tell me to fill out 3 different forms for each charge, sign this and that and essentially assign me with hours of digging and paperwork. All to get back $250 in fees that we were never told would be charged. Its basically fraudulant, in my opinion, to do what they have done. A misrepresentation and bad business! I give them an F…F…F!

    1

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

    Tom DeSimone

    Hi Dena,

    They never should have set you up with such an expensive account given your low volume. The sales rep who signed you up acted irresponsibly. Square is definitely a better option for you. You might also consider Flint or PayPal Here if you’re interested in trying out a different mobile processor with a pay-as-you-go (no monthly fee) pricing model like Square’s. I’m sorry to hear this happened to you.

    Good luck,
    Tom

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

    Sean

    We’re sorry to hear that this customer’s experience was a bad one. We’re fully confident all rates and fees were disclosed during the sales and application process, we can work with this customer. However, as a courtesy, this customer was refunded $179.36 in service fees. They were also reimbursed $50 to cover shipping charges. The account has been closed and no further monthly fees will be assessed.

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

    Karen Zahner

    You must be getting a kick back for giving them good reviews!!!! They are crooks, charged me double, charged non compliance fees, closed my account but kept all my money until I said I was going to District Attorney and Consumer Affairs, then gave me a small portion that day went into my site added bogus returns (Whats up with that, 10 to one lady) Said I was a bad risk, I sell picnic baskets and essential oils, they said They called my customer and that I didn’t supply the products to them again bogus I even sent them the shipping and tracking numbers. They need to be put away in Jail!!!!!!!!

    1

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

    Tom DeSimone

    Hi Karen,

    That sounds incredibly frustrating. I can assure you, though, that I have no incentive to give Flagship a better review than they deserve. My main prerogative is to provide as accurate a review as possible in order to maintain my credibility.

    Unfortunately, a lot of the issues you are describing exist with most processors. It should also be noted that in terms of risk assessment and account suspensions/terminations Flagship does not hold the reins. That falls under the purview of their processor, iPayment (or in some cases, First Data). When an account is terminated because they are deemed high-risk (the system for determining risk isn’t always fair, unfortunately), it’s standard procedure for funds to be held for about 90 days as protection for possible chargebacks. This can have a devastating effect on a small business and is all-around infuriating, but it’s standard operating procedure in the payment processing industry.

    Flagship should, however, have been communicative with you during this process to let you know what to expect and what you can do about it. They should also have clearly described your fees and how to avoid non-compliance fees.

    I hope you’ll consider one of our other high-rated processors for you business in the future.

    All the best,
    Tom

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

    steve

    How come you don’t have a review of Chi Payment Systems? Are they not a big enough player in the game?

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

    Tom DeSimone

    Hi Steve,

    Chi is more of an agent-centered company, and does not have the volume to warrant a full review. If we observe a lot of public interest or complaints, we may review them in the future.

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

    Sean

    Customer satisfaction is of the utmost importance to us and we very much regret if a business client is not satisfied with our services. While we believe that it is not appropriate to discuss this customer’s specific account activity here, the funds referenced by the customer were addressed pursuant to the loss prevention procedures as referenced in the commercial agreement. The customer has been informed of the status of the funds. Should the customer desire more specific information regarding their account, the customer is encouraged to contact us directly.

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

    Sharon

    Mr. Disimone you should be aware that Flagship DOES offer $500 to the merchant if they cannot meet or beat a competitive deal. I interviewed with them today and this was their #1
    selling point for sales reps

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

    Tom DeSimone

    Hi Sharon,

    Thank you for letting me know about that. They still do not advertise this publicly, but it seems that sales reps are authorized to use this gimmick. It’s not a bad thing altogether, but you should be aware that it can be misleading. It can be very difficult to compare providers apples-to-apples, and you can count on the sales rep to interpret the numbers in a way that is favorable to their company. That said, getting quotes from a few different processors and using the quotes as leverage is something I absolutely encourage, so please do use the offer to your advantage! Just don’t expect to see $500.

    Good luck,
    Tom

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

    Sean

    We’re sorry to hear about the miscommunication. Flagship actually will offer you $50 if we cannot beat your current rates as part of our overall lowest cost guarantee!

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

    Jeff Hilton

    Two months ago I cancelled service and still getting $32.95 taken out of my account each month. I called twice and they assured me it was cancelled and no more charges would appear. This month I called and the CS rep said it would take 30 days from the day it was cancelled to show up BOGUS, I used their service for about 3 months last year and they are not the #1 CC processing company that everyone seems to make them out to be. Obviously the reviews are not from someone that has actually dealt with them. They told me “unfortunately we can’t refund you the fees associated with activating an account”. BOGUS again, the sales rep told me if I didn’t use the service there would be no fees so go ahead and get your application in and get the account approved and then if you decide to use our service you’ll get our great rates if not, no harm done. BOGUS again…..’nuf said.

    1

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

    Sean McEvoy

    We are sorry to hear of this customer’s negative experience. Please contact our company and ask for me directly, and I would be more than happy to work on some credits for you. I would just need to verify your account information.

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

    Rindy Engleman

    These guys have been a nightmare since day one. I was promised lower fees that my previous merchant, but was surprised with not only higher rates, but TRIPLE higher rates. Then when I inquired, [Name Removed], our account rep, stopped answering my e-mails and phone calls. Now just recently we had a huge issue with their ROAMPAY network. Their whole system crashed, which cased several of our transactions to be submitted 2-3 times per transaction. Here is the kicker, on our end all of our transactions show they only processed once. Now we are being forced to payback $1100 that we didn’t realize we had acquired because they pay in lump sums without regard to transaction. We are a small business and that is a lot of money for us to come up with. They said they would “work with us” by just taking all the incoming transactions to pay it off, this leaves us with a problem of not having any future income for weeks to run our business. I’m completely fed up. We typically give companies the benefit of the doubt when stuff goes wrong but after all this…..

    1

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

    Sean McEvoy

    Customer satisfaction is of paramount importance to Flagship and we very much regret if a business client is not satisfied with our services. The customer is encouraged to contact us directly if they wish to discuss the matter further. We have processed a courtesy refund of $163.75 in fees that should deposit into the customer’s checking account in the next few days.

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

    Evelyn Scott

    The EXACT thing happened to me to the tune of $2,000. EXACTLY. You’re not alone. These people handled that situation very poorly. Problems and glitches are inevitable. It is how you handle that fall out that demonstrates good business and integrity. Flagship certainly demonstrated neither in their interactions with me.

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

    F. Butler

    we highly regret using Flagship Merchant. Starting using there service in 2012. No problems with terminal then but paying to much for monthly fee for the amount of use. Recently we have been working on accepting the government fuel card (WEX). Took over a month to get approved then shuffled around from one agent to another that knows absolutely nothing. Then after several reprogramming of terminal it now will not work at all. Loss of income now. And they could care less. They have your banking account number and will continue to pull from it even if there service cannot be used. They now want me to buy a new terminal at 400.00 as the one they sent me in 2012 they no longer support. They also told me that they know nothing about the set up and use of this terminal with the (WEX) card. This card is used for government fuel purchase. Sorry I ever did business with them. Please search for a merchant very closely

    1

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

    SEAN MCEVOY

    We regret this customer’s negative experience. Upon initial boarding of the account, we were not aware of this customer’s needs to accept government fuel cards issued by Wright Express. Wright Express applications can take up to a month for approval in some instances. They also require specific equipment that is more expensive. In regards to the equipment charges, it was not a deliberate attempt to make more money. Our terminals sold at cost, so no profit is made from the sale of equipment. However, as a courtesy, a refund has been issued for $200 towards the cost of the terminal.

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

    Kevin Annis

    STAY AWAY from flagship they get just enough info to start dinging your bank account when you are looking for a provider and start billing you even when you dont go with them.
    and try to get it cancelled thats impossible and dont bother trying to geta refund. They say they cant stop it without written consent but they sure got it started fast. Really a bad choice if you pick this company>

    1

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

    Sean McEvoy

    We regret that this merchant did not fully understand all of the terms of the agreement. The customer contacted our company, and was then contacted by an account representative who went over the rates and fees of our merchant services. The customer then provided their personal and proprietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an “e-signature” with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. They were also sent a copy of the agreement and program guide on a CD with more details on their live, active merchant account. Further, the merchant was sent an email explaining when the billing would begin. However, since there was clearly a misunderstanding, we will try to accommodate. The account has been closed, and we have requested a refund of $309 in charges, which should deposit to the customer’s checking account in the next 7 to 10 business days.

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

    John Nedham

    The absolute worst experience I have encountered. Was sold an incorrect terminal for processing from sales rep [Name Removed] back in February for $149.00 & a $25.00 shipping fee he neglected to inform me of, & have been charged for three months worth of fees. Total spent right now is $249.14 & have not even been able to accept any credit cards. Finally received a refund of $147.00 after sending terminal back less shipping. Customer service is anything but SERVICE. Nothing else to do except to share this on the internet

    1

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

    Sean McEvoy

    We regret this customer’s negative experience. All of our credit card machines will process through an analog phone line or ethernet connection. Our understanding is that a few weeks after the customer received their terminal, he attempted to process via a system that was neither a standard phone line or internet connection. The account was cancelled per the customer’s request, and his card was refunded minus a 15% restocking fee per the FAQ section of our website. Based on this complaint, we will take it a step further to ensure a more amicable separation of the relationship. The remaining $26.10 has been returned to the customer’s credit card today. As well, a refund request for their monthly fees, totalling $73.85 should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    anthony 's appliance service

    Beware of this company (flagship merchants) this company is terrible. I have a very successful small appliance business and i went online and found out that flagship is number one . I don’t understand how in the world they were one unless this is there website claiming this. Because after using them for only four months they are on the bottom of my list. When i sign up with Nick of flagship merchants he tells me that make sure i have plenty of money in my checking account. This should of send red flags up.THIS COMPANY NICKLE AND DIMES YOU WITH FEES. NOT small fees but BIG FEES. It cost me alot with this company and i’m a little guy and just want to save you the time and the fees . STAY AWAY FROM COMPANY.

    1

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

    Sean McEvoy

    We’re sorry to hear of this customer’s negative experience with Flagship. The customer contacted our company, and was then contacted by an account representative who went over the rates and fees of our merchant services. The customer then provided their personal and propietary information to the representative to prefill an electronic application and begin the approval/activation process. The application was sent over for the customer to review at which point they are able to do an “e-signature” with their mouse and they then answer security questions based on their personal history pulled from public records. The full agreement was available to print out via PDF. They were also sent a copy of the agreement and program guide on a CD with more details on their live, active merchant account. Further, the merchant was sent an email explaining when the billing would begin. However, since this customer was unhappy with their services, we have requested a courtesy refund of $130.80 from iPayment, the processor. Upon refund approval, the funds should deposit into the customer’s checking account in the next 7 to 10 business days.

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

    Peter

    Dear Tom,

    How can you give Flagship Merchant Services 4 stars? I’m confused…most of the reviews are scathingly bad. My own experience was similar…undisclosed and almost random fees that have no explanation and poor justification. I terminated my agreement with them in Oct 2013 and was charged the $99 compliance fee on 12-31-13 to an account we thought was finished…thus causing an overdraft situation and an additional $32 fee. When terminating with Flagship, I expressly asked if there were any other fees or charges and they said no and that they would take care of everything. My mistake…hopefully it won’t be ongoing. I suggest you reconsider your 4 star rating of Flagship Merchant Services….a very undeserved ranking in my opinion. Have you actually used their service?

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

    Tom DeSimone

    Hi Peter,

    I absolutely understand your frustration and confusion here. Very recently (a few days ago), I gave our Flagship review a long overdue update. At that point, I lowered the rating from 4.5 to 4 stars, citing a number of recurring complaints that came up with alarming regularity in 2013 especially. If you check out my introduction to this review, you’ll see my list of qualms and the overall ambivalence and hopefulness with which I lowered their rating by only half a star instead of by more. The main reason I decided to do this comes from Flagship’s formerly good reputation and reliable service, which is clearly in serious jeopardy at this point. You can bet that their rating will continue to sink in the coming weeks and months if their business practices do not improve. We have personally contacted Flagship to let them know how we’d like to see them improve, and we anxiously await their implementation (hopefully) of these changes. I will be taking your comment and the many other comments here and elsewhere on the web under careful consideration over the coming weeks.

    Thank you so much for your time and your input, Peter. It has not reached deaf ears.

    All the best,
    Tom

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

    Colette Salter

    These guys are awful if you are in consulting or high dollar low volume sales. I am a consultant and get paid via relatively few transactions per year. Occasionally I’ve been asked if I take credit cards. As an effort at customer service I opened this account to try it out.

    To start I was approved for a relatively low max transaction value making it of limited use for my business. The agent I spoke to was a good salesperson and convinced me to try it out any way even though I saw it of little use. When the bills started arriving, the charges ping ponged all over the place and included a statement fee of $7.95 which I had not been informed of. A few months in the annual PCI fee of $99. Then a mysterious $30 fee was added on.

    I had never actually logged into set up the account and decided to cancel. When I called customer service person offered me $75 refund on the PCI fee and a lower monthly fee of $7.95, no statement fee. I thought this was reasonable for a potential value to customers.

    Three months later they were still charging me $37.95 a month. I called to cancel and they claimed it was a PCI non compliance fee because I had not filled out a form on their website. I asked them to suspend service immediately.

    They never did and claimed they needed my signature first and had sent me an email requesting this. The next time I checked my account I see they have continued to charge me $37.95/month for a service I have never used.

    Today I spoke to [Name Removed] in customer service and he told me it was reasonable for them to charge us the PCI non compliance fee as I was advised monthly on my statement.

    Folks – in the middle of the bill is a “Reminder” that merchants must be PCI compliant. It does not say anywhere that my account is NOT compliant. In the fees section it posts a $30 fee which is described as **Additional Fees.

    When I complained that this is not clear and poor practice, Brian told me I was properly charged and “declined” to offer a refund. He said it was part of the fees for having an account. When I asked what they do with these PCI fees he said it simply goes to them. His attitude was well, that’s too bad for you, its in the fine print. They were so solicitous and helpful in the sales process and so dismissive in the customer service process.

    Talk about a rip off – $7.95 for a service and $30 additional FEES per month totaling over $500 in 10 months for processing exactly 0 transaction. I’m sure this works better if you run a pizza shop or in retail, but think carefully and don’t believe the sales hype. They get you in the fees.

    1

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

    Sean McEvoy

    All PCI related fees are billed from their credit card processor I-Payment. PCI/DSS stands for “Payment Card Industry Data Security Standards” and it is a Visa/MasterCard requirement that all businesses that accept credit cards are PCI/DSS compliant, keeping their customer’s credit card information safe from being compromised. The PCI fee of $99 was disclosed during the application process with this merchant, and was in the PDF that they received upon completion of the application. In the application it said in the “Schedule of Fees” portion: “A PCI Compliance and Data Security fee will be applied on an annual basis.” The merchant application also states that a PCI non-action fee will be assessed monthly if PCI compliance requirements are not met. Page 1 of the merchant statement that is sent out monthly refers our customers to a site where they can complete a brief PCI compliance certification. Although our organization feels that the PCI-DSS related fees were disclosed and communicated to this merchant, we wish to inquire with iPayment regarding refunding at least a portion of the PCI fees that were billed. However, we were unable to locate this customer in our system based on the information in this post. If the customer replies to this post with the business name they applied under, we will be happy to accommodate.

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

    Jeff Henderson

    I’ve never taken the time before to write a complaint about a company. First time for everything!

    I don’t think I’ve ever dealt with a company with such terrible customer service. They don’t care about you as a customer… in my experience. I called to complain about the surprising items on my bill – which were NEVER mentioned to me by the sales guy who reviewed what I would be paying each month. They’re response? “It’s in the contract sir. You signed the contract!” I explained that I may not have read all the fine print – and that’s clearly my fault… but I gave some credence to what the sales guy said – and just accepted it as accurate. Boy was I wrong! One item was a fee they told me I had to pay because the IRS required it. I found out by a big bank I called that this is a flat LIE.

    So, after getting nowhere with her, I asked to just speak to the manager. When I got to her – without hearing my story she said “it was clearly in the contract and you signed it.” I tried to share my story – nicely – and she just talked right over me. I stopped, she finished, I started again and she talked right over me. It was unbelievable.
    So, I canceled my service. I was told it would be canceled in 30 days after I filled out some paperwork. Believing I had through Jan to still use the service…I didn’t get around to setting up the next one. I tried to run a few transactions and it didn’t work. I called t hem back and said “I though I had through January??” She said, “Nope. We canceled your account on the 8th.” I explained the last person said I could use it through the month, etc. and she just said NOTHING. Like the “cold hearted Orb that rules the night” (Moody Blues). I swear these people, the training, the policies, the service is seriously pathetic. I hope they lose all their customers because no one should be allowed to conduct business this way.

    There. I got it off my chest.

    Pffft.

    1

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

    Jon Perry

    I enlisted Flagship Merchant Services to set-up credit card processing for a charity event where 100% of monies raised go directly to needy children. As such, credit card processing fees would be paid separately so fees were critical. Being a lawyer, I knew what questions to ask and attempted to have ALL fees clearly deliniated. Every single statement made to me regarding fees was a lie. The fees were higher, there were undisclosed fees such a “monthly report fee,” and then a $125 charge described simply as an “additional fee.” The company also created “security issues” and refused to deposit credit card charges for more than 20 days. I am sure they float other merchant’s money in a similar fashion and collect interest on the withheld money. No merchant who reviews and understands their statements could EVER recommend this company.

    1

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

    Margaret Lois Jansen

    In August I discovered that Flagship Merchant Services had set up an account in my name that was fraudulent. My business name and EIN had been stolen and combined with the SSN of an 83 year old woman. I notified them immediately and received in return copies of the application. Numerous red flags, as in the birth date was 1929 and the names for the signature and typed names were different. Over $3600 was run through this fraudulent account that I notified them about. Now they are trying to collect that money from me and have sent the account to Collections. They knew it was fraudulent because I had told them and sent them the Police Report I had made…and now, to cover their incompetence in setting up without verifying , they are trying to collect from me. Fail. I don’t think there is a low enough rating. I question their ethics, if they even know what the word means.

    1

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

    Kevin Van Liere

    Flagship was terrible for me. They kept my first payment of $2300 for a month to confirm that it was a legitimate transaction. They wouldn’t call the person that was trying to pay and they wouldn’t call their bank – they would only use a fax and wait for a response. Additionally I was promised a $7.95 monthly fee plus the usual transaction fee. I had set up the account clearly explaining that I would rarely use the service. Last month I paid $62.95 and I didn’t use it at all. They wouldn’t refund the charges.

    1

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

    SBrose

    First transaction is taking over 5 business days and still ‘processing’. Authorize.net went without a hitch, ipayments halted processing demanding documentation of the transaction. I had to send them my customers PO and my company’s Invoice. Now they want 3 months of bank statements! It is not uncommon for us to have a contract requiring start-up funds, draws at milestone completions, and final payment. Now they are saying they won’t allow the same customer to charge more than 5K per month!. Peanuts for construction jobs. As a construction company I am not sure they are the provider for us. Am shopping for a better solution.

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

    Jeff Grinstead

    I just cancelled my service with Flagship Merchant Services and Roam Pay. When I signed up for the service, about 5 months ago, the salesman quoted me a $7.95 per month fee (acceptable) with a 1.5% processing fee per transaction (also acceptable) and no lock in long contract (very attractive). I let the salesman know that I was just starting up and that I wanted the ability to take charge cards, but sales would likely be sporadic and small. There was no mention of a minimum volume for transactions… Surprise! Over the past two months I have paid $25 per month in “Minimum Discount” fees PLUS the $7.95, and this month another $7.95 was added for an Internet Access (Gateway) Fee (notification received Sept 6 regarding this addition to my bill. I called customer service (on hold for 10+ minutes) last month and the service rep explained that the “Minimum Discount Fee” would be charged any month that I didn’t use the service. So I figured with two transactions over the past 30 days, I wouldn’t be subject to the minimum $25 fee… I guess it just doesn’t really work that way! SO, for my $55 in transactions over the past two months, I have paid $73.65 in fees to Flagship Merchant Services. Needless to say, the economics just didn’t make sense… I’d be ahead if I had just given those services away for free. Subscriber beware! Especially if you are not going to be doing a huge amount of transactions.

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

    A. McDaniel

    I am a non-profit with very little funds. I closed my account in 12/12. I get my bank statement today and I have been charged three separate fees totaling $150.00 I am told that I had two accounts with them and only one was closed. They are refusing to refund me of the charges. If you want to be taken advantage of this is the kind of company you want to do business with. Who is going to explain to a burn survivor that is requesting medical help? Not Flagship Merchants.

    1

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

    Nathan Hatcher

    TERRIBLE experience with FLAGSHIP MERCHANT SERVICES!! I am a farmer and I have a sporting goods store that I opened a few years ago that I work when I have slowed down after the harvest season which sells everything from camping supplies to firearms. I had done some internet research and came across Flagship because of their high rating. I am extremely busy with the farm and had my girlfriend call them to ask several question and get some information for me. Well, they seemed very helpful with her as she explained what business I had and made sure to let them know that firearm sales were part of the business. They told her “no problem” and she returned with lots of fees, transaction percentages, etc.. for me to study. After I had decided to go through with them, I contacted the representative via email to further discuss opening an account with them, which I explained that I was very busy working from dusk till dawn and didn’t have time to sit on a phone going through an application and speaking with someone at that time. I requested that he send me written documentation of their policies, and an application form or a list of needed/required info for their application process so that I could jot down everything when I could and then call them back after I had all the info needed to speed up the process. I received a quick reply with NO policy attachment or information on what was needed for the application! I was just told the application was “easily” done over the phone and only took “10 minutes”. Well, that didn’t sit well with me because I just explained that I couldn’t speak over the phone at that time! (It’s hard to talk on a phone when you are covered in sweat, dirt, oil, mud, grease and the sounds of loud diesel tractor motors and pumps running around you!) So, I sent a quick text message to my girlfriend to find out what was needed. Apparently they do not like to put ANYTHING in writing because they told her over the phone what was needed for the application. She emailed what they said to me and I jotted down all info later that evening and returned it to her. She called them back and did the application process and was “APPROVED”, they just needed a voided business check for the account info to link to. Now this is where it gets good! I immediately started getting telemarketer calls for credit card machines, etc! I got several after the application process and the next day! During this time, I had a guy building my website and trying to post item for sale. I had my girlfriend call Flagship to let them know she had a copy of the voided check and to let them know I was unhappy about the selling on my info to telemarketers and to take me off any lists that I may have been on. They LIED to her saying that they do not do that. (REALLY!? Maybe that’s why they wont give you any written documentation of their policies!) Well apparently she pissed them off. They called her back and claimed they went to my website, which is “under construction” being rebuilt and since they saw “guns” they could not “approve” me and would not do business with me!! (Wait, what!? I explained to them up-front, guns were part of my business. I was APPROVED the day before! And now since I expressed they were not allowed to sell my information to telemarketers, they are denying their services now!? WOW!) As stated before me, DO NOT USE FLAGSHIP MERCHANT SERVICES!!!! They are a joke and complete waste of time! I hope my experience helps save someone else this same hassle and headache!

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

    Nathan Hatcher

    OH, and I forgot to add, they never ONCE mentioned anything about “PCI Compliance”!! Which if you are not aware of and and do not have, they charge you something like $90+ each month!!

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

    A. McDaniel

    My exact experience with them!

    1

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

    A. McDaniel

    Flagship Merchants are taking advantage of businesses and they need to be stopped.

    1

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

    Janice Driver

    BEWARE. Flagship Merchant Services is TERRIBLE. They misrepresented their fees, until the final contract. Then, they did not wait for approval.

    They signed me up without my final consent and would not let me retract their mistake. It took me 4 phone calls and over 50 minutes on hold to find out that I needed to fax a form to withdraw from their service. Then, they withdrew $32.95 simply because they “cannot cancel my account until month’s end.” Then, they sent a threating letter about PCI Compliance where they want to withdraw $129.00 from my account.

    When I tried to speak with a manager, they refused. I finally had to cancel my bank account to prevent further withdrawals from theim. DO NOT USE THIS COMPANY. It cost much more than the $14.95 they advertise.

    I am surprised that Top Ten REviews endorses this company. It makes me wonder how these reviews are set.

    1

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

    A. McDaniel

    They are horrible!!

    1

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

    Kenneth Goldberg

    Please beware of this company, as James Nielson states in his accurate and pointiest description of Flagship Merchant Service. I too have been a victim of the deceitful practices of this company. In short misrepresentation of fees from Account Representative [edited: name removed], lies about the time to post to my account from the same account representative and the fact that they are not the producer of merchant service at all that they use a poorly organized and miss directed servicer iPayment to carry forth the lies and thievery. To give this company 1 star is generous but provided because there is no contract knowing that I could get out and did in 2 weeks! Do not use Flagship Merchant Services or iPayment as your Credit Card service. Fore Warned Is Fore Told.

    1

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

    James Nielson

    First, let me point out that Flagship’s rating with the BBB has dropped (and will continue to, if you ask me). It’s not that easy for us “little people” to get ourselves heard, and corporations DO have their ways of keeping their image nice and shiny, but when you get on the wrong side of customers like me…

    I’ll spare everyone the maddening details, but I’d like to offer my experience with Flagship/iPayment. Basically, they double-billed me for MONTHS via my personal account as well as my business account. It took a while for ME (not them) to figure it out, so by the time I realized what was going on I was out $400+, and they were content to keep it. My credit union changed my account numbers to finally end the charges, but Flagship has fought the reversal of funds, and has not done anything to remedy the “error”, so they really are scum in my book.

    Regardless of how well researched any positive reviews of them might be, the truth is that “on-paper” research and journalism, although useful, does not equate to real-world experience.

    James Nielson
    The Fix, LLC
    Portland Oregon

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

    A. McDaniel

    I can verify everything that James is writing is accurate. I have had the exact same experience with them and I feel violated.

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

    Dave Nuss

    Talk about gouging. These people are liars! I went through 4 months and was wondering where all these extra debits (ACH payments) were coming from. They were taking from 20% to 30% out of my sales (and that didn’t even include Authorize.Net’s fees which were reasonable). I made a commitment with them based on this website and am extremely disappointed. In a month, I had ~$550 in charges and their bill was ~$160 (~$120 was marked as “Additional Fees”)!! (the other months were similar 20%-30% munched from these jerks!)
    I was told I was low risk and no chargebacks were ever made. When I began to do my year-end accounting, I was scratching my head as to where all my money went. What am I paying for? Why the HIDDEN charges? Geez!

    1

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

    Taylor Standish

    I would not recommend this company. I went with Flagship based on your review and was very happy with how easy the set up process was and how friendly the customer service was at first, but it all went south from there very quickly. I have actually never dealt with a more frusterating company.

    My issues all started with my “account manager.” I had a trunk show the following week and needed my Roam Data swiper before then. In order to do this, he put my account at very low monthly maximum transacation amount, which I went over on my first day of sales. I would have told him that I needed a higher amount, had he ever told me I had this maximum. He was also suppossed to send me the Roam Pay swiper before my show, but it was late and arrived 2 days after my trunk show. Because I did not have my swiper, he told me to manually enter in my charges to my authorize.net account, and everything woudl be fine. NOT TRUE. Immediately following my trunk show my account was flagged for fraud and my funds were frozen. It was flagged because all my charges were the same (I ONLY HAVE ONE PRODUCT) and because I manually entered in data (Which was an order from my manager). At this point, my contact manager literally fell off the face of the earth. Over two weeks later, I STILL have not heard back from him after sending countless emails and leaving voicemails. The woman working in the risk department on my account also never returned my calls, ever. It took me calling probally 15 times in one day until I could speak to a supervisor, for them to get a hold of my contact in the Risk Department.

    At this point, the risk department explained that the hold up was because there were not phone numbers on the invoicse (WHICH WAS NOT TRUE), so she had to look these people up in the phone book. Are you crazy!? So I sent through a very neat and detailed excel with all of the necessary information. Still did not hear anything.

    At the same time, my account funds were being held becasue I went over my maximum, so I was trying to up my minimum. I recieved an email from the supervisor I was working with last week, that I was apprvoed. Only to find out yesterday that actually, no, he was wrong. Two weeks later, I still have not been approved.

    I have called and called and called to speak wtih supervisors trying to get my funds released. Finally last night the Risk deparmtent confirmed they were releasing my funds. (I will believe that when I see it).

    I have never dealt with a company that a)had such bad customer services and b) the employees had no idea what was going on, everyone told me different things and told me to speak with different departments.

    Needless to say, I am canceling my account as soon as the funds go into my bank and I am signing up for Chase Paymentech.

    I would not recommend this company to anyone. Had they been responsive and kept me up to date with the status of my funds, I would be okay with this. But they were not. They were quite the opposite.

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

    Lisa Chang

    I would not recommend this company. I cancelled my merchant account after two months. I was not happy with their customer service at all. I process large amount of foreign credit cards and for some reason most of them would not go through. And I’ve tried different cards, lowering the amount swiped, have my customer call their bank in front of me to “unfreeze” a US transaction. Nothing worked…until they walk across the sweet and swipe the card at another merchant office.

    I had given my customer service representative the benefit of the doubt after emailing and leaving voicemail that he had a reason for not responding to a customer. But come to think of it, why would anybody want to having any dealings with me if I ignore request/inquiry for a week. But in the mean time, I did not hesitate to contact iPayment and Roam Data X to figure out the issue. iPayment representative was cordial and helpful. Roam Data X representative basically told me to go back to Flagship to get my answer.

    I am a reasonable person. If my representative had responded to me and frankly told me he doesn’t have an answer, referred me to somebody else, or just plain “tough”…I think I would have still given them a little more time so I can sort the issue out. But being un-responsive is not what anybody expect from a company who rely on continuation and referral of business.

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

    Thomas Agema

    I would not recommend this company at all. They are helpful at first but when you don’t receive the funds in your account it’s like talking to a brick wall. I was also told at the beginning that my monthly fee would be $15.00 but it turned out to be $32.95. After I complained they told me it would drop to $20.00, of course it never did and they had excuses every time. This company is a joke! Oh and I still have money that wasn’t funded to my account. They are working really hard to figure out why(I’m sure of it). DON’T USE THEM!!

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

    helen barone

    I would not recommend Flagship Merchant Services. I woud definitely charcterize this as a “BUYER BEWARE” company. The salesman I originally spoke with is exactly that…a stereotypical SALESMAN. He never outright lied to me, but he lied by omission which caused a problem for me and for my customer. The customer service department was like a box of chocolates….you never know what you’re gonna get. The only person who seemed to know what he was doing was Anthony in the risk department. So now I have no choice but to cancel my account and go to another company.

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

    Heather Caballero

    Just signed an application with flagship after painstaking month comparing processsors. I didn’t like that they wouldn’t send me a MPA up front like other company, but they had the best rates and seemed to be rated good on this site and others. I’m concerned about making a bad decision, but since they are month to month I figure I can always cancel. They claim they will use my PCI compliant certificate, no problem, no fees.

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

    Heather Caballero

    After signing an application online, my next email was with instructions on how to reprogram the terminal. I’m like, wait a minute, where’s the MPA?? They forwarded me a copy of the agreement, which had my digital signature placed on pages I’d never seen. Seems to be in order, but I’m not happy about that. How hard is it for me to review each page online and place the signature myself? We’ll see when I get the first statement..

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

    Bob

    Flagship is so bad, I don’t where and what to say. Since I open account with them in May I am on the phone most of the time, no statement monthly fee so high, this is unreal it is night mare, customer service is joke, they hang up on me several times, [edited: name removed] so many names I don’t know all of those Crazy people I am dealing every day, what a mistake. I had Elavon for 15 yrs and I switch it to Flagship what the mistake. Guys Please believe and stay far a-way as far as you can because those are thief’s sick people. Each time I do the transaction I have to call them on the phone, it is phone line, some numbers I am typing going through my credit card machine each time. Do not repeat my mistake do not do any king of the business with them.

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

    Carl Mattson

    Account reps do not know what they are doing. I switched over from another company, and then was told, after the fact, that it would take 24 hours for my account to be activated. I was not told this in advance. Otherwise I could have gotten around this problem. They created a problem for me, but could not come up with a solution

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

    Carl Mattson

    At this time, I withdraw any complaints I have had with Flagship. Most of my complaints were caused by a misunderstanding on my part. Since I am a new customer, I will monitor their performance.

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

    A. McDaniel

    Did Flagship Merchants make things right with you? I would like to know what they did right for you to post such a complimenting review of them.

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

    Yury Reznik

    This is a scam just stole 5300 out of my account STAY AWAY REPORT THEM TO THE FTC OR FDIC

    1

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

    A. McDaniel

    Scam they are. Some people liked to be scammed, used, and stolen from. I am guessing that is the kind of people that are leaving such positive reviews for Flagship Merchants. The “little people” are the ones paying the price for companies like Flagship Merchants to take advantage and steal from others.

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

    Jana shimley

    My first transaction with this company has been a Night Mare!! The customer service is terrible. I will be reporting them to the Better Business Bureau! If I did business like this company, I would not be in business anymore!

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

    Derrick Pugh

    I love flagship, and all they have done for me. Been with them for about 9months. Had a wireless credit card terminal with them for the first 3 months, and had an authorize.net gateway since month 3. My rep, [edited: name removed], is awesome.

    I have been happy with everything…except their use of ipayment as the processor. I HATE them so far. They don’t inform you about much. I have to call them on almost a monthly basis. They charge my bank account before I get the statement…and its never what I expect. After two months of goofiness, I called to see why it cost so much. I was informed of some pci compliance things. wasted a bunch of time getting compliant and getting monthly charges back to normal. Then, this month, they charged like $120. $100 more that “usual”. So, I call about a week after this change (waited a week cause that how long it took to get the statement in mail after they charged me). Their statements make NO sense to me until I get to the summary section: $20.xx in processing fees (the breakdown of “processing” fees I can’t understand cause that’s in the body of the statement which just looks like babble to me) and the $99 for additional fees*. that asterisk led me to a note saying “for an explanation of additional fees, call us at xxxxxxxxx”

    flagship: awesome
    authorize: nothing special. have called multiples times, and on 2 occasions my rep had no idea what she was saying, and I was transferred to someone who did (had problems accepting amex a few times).
    ipayment: customer service is awesome. you call, someone picks up, they ask for merchant id, they confirm your id, then ask what’s up. but that’s it…everything else sucks. what I don’t like about ipayment is their crappy statements that seem to be generated in excel1982 and their general lacking of the pertinent information. From what I’ve learned and gathered, ipayment is for bigdawg businesses processing more than the “measly” couple grand that I do each month…often less than a grand on bad months. it takes up way to much of my time just to make sure I save the $30 non-compliance fee. ipayment control panel has a login, the pci compliance has a whole other login, then there is another one that you need a login for. Can it just be built it?

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

    Bobby Wheat

    Worst company you could ever possibly deal with. Absolutely horrible customer service. Hidden fees. They do not care about you as a client at all. DO NOT USE THIS COMPANY. FIND SOMEONE ELSE and save yourself a lot of frustration, time, and money.

    1

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

    Gail

    I used this merchant for our credit card processing and only after losing my business (and home) in a fire, including both retail and virtual terminal merchant account numbers, did I find out I wish I had gone with a different vendor. I didn’t have the contact info for the gentleman (a great guy) who handled the account setup and that I usually called with general questions, so when I needed to call to shut down the accounts after deciding to close the business, I called the 800 number listed at the top of the website. I figured that would at least get me in and they could re-direct my call to the appropriate department from there.

    The only information available to give was my name, social security number, and business info. The man I spoke with couldn’t have cared less about trying to help. When I said I didn’t have the merchant account numbers his first reaction was to tell me I didn’t have an account with them. After explaining that I must still have the account because I was still being charged, he disagreed because the charge wouldn’t show up as ‘Flagship,’ which was a ridiculous argument! I asked if he could at least get me contact info for authorize.net to help in some way and after saying they don’t do business with them, he gave me the number to call to cancel their virtual terminal linked to the Flagship account. If they don’t to business with them why did he have the number right in front of him?!?

    I hung up after bursting into tears. All I wanted was some help. I scoured old emails and found the application number from when we first applied for the accounts. I called back, got someone different who brought the accounts right up, without the application numbers mind you, and directed me to exactly who I needed to talk to.

    Overall, the service we’ve received from this company was good, but one bad apple ruins the bunch. We just lost our house, all our memories, and our business in a fire. The last thing I needed was a poor attitude from someone who’s job it is to help paying customers, and by poor attitude I mean flat out rude and unkind. It reflects poorly on the employee and on the company, because of that, I can’t recommend Flagship Merchant Service. If you’re considering them, keep looking.

    1

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

    Damian K.

    Horrible!!! I have received so many extra fees, that all my profit is going to them. They forgot to mention a $99.95 yearly fee that they charge plus a security service you have to take and if you do not they charge you $19.95 every month until you do. Stay away for your own good.

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

    Thresa

    I do also get $99 fee (they didn’t tell at first) for annual compliance fee, plus $19.95 additional fee if you are not pci-compliance, means you don’t pass the security questionaire. I am relieved to switch to [name removed] now since they offer lower rates and no hidden/pci fees.

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

    Damian

    I found out that this PCI-Compliance fee of $99 is charged by every credit card processing company. The $19.95 fee they charged was for not filling out the form. When I did fill out they returned that $19.95 back to me.

    I called them today and they were actually very nice. Since my business is very small i was able to negotiate a better rates for myself. They were very helpful.

    I retract my previous statement that they are Horrible. They are actually not so bad 🙂

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

    Peter Hutnick

    Flagship does NOT provide 24/7 customer service and technical support. They are 9-7 Eastern Time Mon-Fri. Much of their literature states that they will provide a 24/7 phone number, but the number they provide is for a 3rd party card processing center that has NOTHING to do with Flagship.

    They are in the business of signing up merchants and abandoning them after the sign-up process.

    I couldn’t be more UNHAPPY with the service they promise, but don’t deliver.

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

    Florina Tan

    Flagship does not care about the service they provide. They sell you a package and your bank statement reflects something different. They are not good in responding to emails. They prefer to do sales and after you locked in with them, they brush you aside and tell you something different and explain that the additional charges, is due to when you activated the account, you did not check off some of the boxes. They do provide the best rates, but the best rates dont give you the best service. And when you get that additional charges, they have some way of telling you is protection program that just come into effect. There is always a story behind the additional charges.

    I have emails back and forth with them since I started my account, at this point, I am going with my own bank even the charges are higher, so I dont deal with the middle man

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

    Thomas

    I am talking to flagship rep and he says no contract that i can go month to month is that true

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

    Merchant Maverick Admin

    Thomas,

    From what I know, Flagship does not have a contract, so you’ve most likely been told the truth. Always double check your agreement though.

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

    A. McDaniel

    That is the same thing I was told and then I was “under contract”. Flagship Merchants do whatever they want to whomever they want with no consequences.

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

    Derek

    I have been going back and forth comparing Flagship with Chase PaymentTech. The service reps at both have been very helpful and surprisingly accomodating to all my questions. And both have dropped fees/rates to match the other. The big issue for me is that I have no experience in this part of business and tend to be skeptical of larger businesses like Chase – especially when they require such a lengthy contract. Flagship seems like they’ll treat you as less of a number and has no contract but can’t quite meet Chase’s lower monthly fees. They both rate rather high. How do you weigh the impact of the types of complaints each get? How often would you expect to need customer service contact? Should the First Data complaints be a big concern? And is a 3-year contract with Chase excessive?

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

    Ahmad

    I just signed up for a merchant account with flagship, and they did sent me a welcome letter via post to my address, including a CD (for Guide) and some other papers confirming my processing rates etc…

    The strange part is that i find “iPayment” logo on their welcome papers, Because actually i was thinking that they are a FirstData company.

    Anyways, I am still confused about if i should go with them or no. they just have some bad reviews (with no good reviews at all), and moreover “iPayment” have TONS of bad reviews.

    I do web hosting, i don’t want to get suspended by them like Seth said. and freezing my money for 6 month.

    Anybody can help? is there some more reviews about them? what do you guys recommend me? go with them or no?

    Thank a lot!

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

    Vadim

    I had the same question. Searching iPayment seems to produce just as many complaints as for First Data. I also see iPayment in fact purchased a large portion of business from First Data. So it is not clear that there is any real difference between them.

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

    Jay

    I’m told that by the Flagship rep that I have been in contact with that they also use iPayment as a processor in addition to First Data. As many reviews state, many users have had all sorts of horror stories with First Data and I want to stay as far away from them as possible. That being said, do you know about iPayment as a processor? I haven’t been able to dig too much up on them.

    Thanks for the great resource Mav!

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

    Merchant Maverick Admin

    Hi Jay,

    I’m actually working on a review of iPayment, so stay tuned.

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

    Cliff Perkins

    First of all they started taking money early…of course they blame that on me even though I told them we would not actually be operating for weeks and I was just wanting to be prepared. Secondly they take more than they are supposed to out of my bank ( extra debit card fee and minimum balace fee even when minimum reached and a CD fee?) and then on what they do admit to being wrong about take several weeks to refund or rather it has been weeks and I am still waiting.

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

    Seth S.

    Do not use flagship or first data who handles the backend processing for flagship. They will shut down your merchant account over any miniscule excuse they come up with (not knowing the last four digits of your new business’s tin). They will then keep your money for six months. Look up flagship and/or first data merchant services on ripoffreport.Com or just google them. Stay away!

    1

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

    Merchant Maverick Admin

    Thanks for the review Seth. I did the honor of removing the caps lock from your comments. I’m not a big fan of all caps. 🙂

    Out of curiosity, the account that Flagship shut down, is it the Child Custody site that you have as your web address? If so, I can tell you that those types of industry’s are always being scrutinized. Especially, by processor’s like FD. You may have some more luck going with a high risk provider. They’re used to dealing with your business model, and won’t freak out at the drop of a hat.

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

    Christopher

    I wanted to comment on the ripoffreport.com complaint. I started a correspondence with Flagship, but I got cold feet after reading the ripoffreport. I was asked why not go through with the application, and I thought Ross at flagship was worth an explanation as he did handle himself professionally.

    I wrote very bluntly about how the ripoffreport made me feel as a potential costumer. I mentioned that not responding to the complaint made me feel uneasy. I treated the info as “unchallenged allegations.” I stated that if the allegations were true, it made me worry for the type of treatment described.

    Moreover I pointed out that the complainant is allegedly unemployed.

    Ross pointed out that the claims made are not congruent with the BBB rating and the lack of complaints. He also cited our brief conversation where the non-charging of fees thing was not mentioned. To which, I must confess is a valid point (or if he did mention it, I don’t recall it).

    With that said, I would like to see flagship offer this guy a chance to produce a W-2 to show that he was unemployed. If so, I know that it is not Christmas, but I just feel for unemployed people. Because some unemployed people are entrepreneurs with no funding, I think that everyone with an interest in this website can relate to him.

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

    James Nielson

    As a business-owner, I know that there are PLENTY of people who just complain about anything, and that satisfied customers hardly ever bother to comment. Flagship/iPayment must have SOME satisfied customers, but I highly recommend that people pay attention to what ACTUAL customers are posting about them. I fell for “Top 10 Reviews” GLOWING review of them, and it cost me over $400 in duplicate charges that Flagship refused to refund, even when my credit union got involved.

    James Nielson
    The Fix, LLC
    Portland OR

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

    Cindy

    Hi,
    Now I concerned. In good faith, I just gave all my info to this company to get credit card processing ability, since the Top Ten Reviews website had such rave stats for them. Do I have reason to be concerned??? I can’t have this become a nightmare in my life. I am very anxious now.

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

    Merchant Maverick Admin

    Hi Cindy,

    I don’t think you should be worried. Just because they’re not a 5 star provider on my site, doesn’t mean that they are bad. I gave them a 4 out of 5, which is still pretty good. So long as you do your own due diligence, then you should be fine.

    From my experience, the two most important areas that you want to focus on are:

    1. What are all of my fees? Be sure to verify them on your contract.
    2. What is the contract duration, and cancellation fee? Usually found in the “Termination” section of your contract.

    Feel free to contact me if you have any specific questions.

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

    Cindy

    Merchant Maverick,
    Thanks for your very quick response and helpful, I might add! I just called my bank and asked them if the information I gave earlier today to Flagship Merchant (without naming any names) is legit and what they would require in order to get the processing started and they said yes. My bank might have a few different ways to get the account approved initially, she said, but what was asked of me wasn’t out the ordinary.
    I am feeling somewhat better so I can rest easier thru the weekend til Monday.
    Thanks much!

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

    Guy

    Thanks for posting this review (I asked about them a month ago)! I actually went with CDG but I had talks with Flagship and they were very helpful. Either one seems good.

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

    The Merchant Maverick

    Hi Guy!

    Sorry about the delay. Who would’ve thought gathering and researching data on the internet would be so time consuming. 🙂

    I also had a few other requests in the pipeline, so I couldn’t get to Flagship sooner. I hope everything works out with you and CDG. It’s a bit early right now, but at some point, I’d love to hear how your experience with them plays out.
    http://www.merchantmaverick.com/reviews/cdg-commerce-review/

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

    A. McDaniel

    With all the bed experiences with Flagship Merchants why are their reviews good? Clearly the reviews are not coming from people like us that have actually tried to do business with them. This is why they can continue to steal from people!!! This is not acceptable and should not continue because small businesses are paying the price for people to get “kickbacks” by giving fraudulent companies like this great reviews.

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

    Amad Ebrahimi

    Thank you for the input A. McDaniel. Let me give an explanation of our rating that might help clarify things. We’ve read thousands of user complaints just like yours. We’ve also spent hours researching and reviewing most of the major credit card processors on the market today. Flagship is a very large processor so they will naturally have more complaints than the others. However, considering their size, their complaint count is much smaller than other processors of their same size. The important lesson in all of this is that it’s not just the sheer number of complaints that matters. It’s the number of complaints in relation to the size of the company.

    Additionally, Flagship is one of the only processors that does not charge an early termination fee which is a huge benefit, especially when most processors do charge one.

    With that said, we always monitor user reviews on our site, and if they get out of control, then we will adjust the Flagship rating accordingly.

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

Leave a Reply

Your email address will not be published. Required fields are marked *

Your Review

Comment moderation is enabled. Your comment may take some time to appear.
Please read the "User Review and Comment Policy" before posting.

Share