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TransFirst Merchant Services

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TransFirst Merchant Services Review

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Date Established
1995
Location
Broomfield, CO
Tom DeSimone

Tom DeSimone

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Based in New York’s Hudson Valley, Tom has written for Merchant Maverick since 2013. His work is cited by publications including TechCrunch, Washington Business Journal, and Bank Advisor. He currently serves as Product Manager.



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79 Comments

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    Mark

    Organization Name: Horizon

    Translink is truly a ripoff, They shut us off and held over 120K in a second. We have been with them for some time they now see our charge back rate over 1%when we tried to talk to them one person was so rude he said that is that and hang up on us.

    1
    • Organization Name: Horizon

    This comment refers to an earlier version of this review and may be outdated.

    Carol Davis

    Organization Name: Java jolt

    I have had nothing but good experiences with TransFirst. I have done business with them for about 6 years and have never had an increase or any of the common hidden fees I have experienced with other processors. No trouble with billing. In 6 years I have called a tech just once and the experience was good. I highly recommend them.

    • Organization Name: Java jolt

    This comment refers to an earlier version of this review and may be outdated.

    Michael Haines

    Just tried to login to TE and the website is down. So to make things as difficult as possible there is NO phone number listed anywhere on the website. So I google it and after 15 minutes I finally find a support phone but they have found a way to make that as difficult as possible as well. The call goes straight to VM and as I’m leaving a message I’m cut off after about 10 seconds and a recording tells me my time is up before I can even come close to leaving a message as to the problem and why I’m calling. Companies like this are so disconnected from the real world of their customers that it makes me sick. This is enough to make me want to change merchant vendors.

      This comment refers to an earlier version of this review and may be outdated.

      MIranda Harding

      I have had a pleasant enough experience with the customer service reps and wish that other credit card companies actually had people that were as friendly and as knowledgeable. The reason they are getting 2 stars from me is the actual screw-ups that have occurred with using them. I was hit with a charge for the credit card processor that slips into my phone and it took me actually having my bank interact with the company to get my money back. They gave me a significant refund, but it literally took over a month and as I mentioned my bank had to contact them. Now, I have once again been hit with a fee, yes it’s minimal, but I have been hit with a fee that I was told nothing about. I am not in a contract, they sent me the credit card processor for free and forgot to mention that there is a charge that is incurred with having the possibility of using them. Really?? No one ever mentioned that to me at all and I’ve talked with people multiple times. Might have been a nice thing to know prior to agreeing to use their services. I’ve used Square and Flint both and have never been charged for just having the possibility of using them.If you decide to use them, you might want to actually ask what ALL the fees are because apparently they don’t disclose those at the beginning.

      2

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

        Linda Alvarez-Thull

        Transfirst was covertly appropriating funds from my company. There is a compliance form that is required to be completed by companies, including mine. I had no idea. So Transfirst charged my company $40.00 month penalty for not having it completed. BUT, to inform me, placed this penalty within the normal fee, under the standard non-negotiable fees, and called it “Quarterly PCI Non-Validation”. The representative told me that line item was my reminder to complete a questionnaire.

        2

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

          Phillip Boissel

          I am looking at a statement from CoCard ,1st Data/ Global did the billing.
          It is a bill back statement meant to deceive the merchant. They show $1400 in fees on front of statement. They actually debited an additional $500 from merchant checking account with no explanation. They typically hit merchant accounts on the 4th and 11th. It is hard to believe merchants don’t question these charges. 3 1/2 stars is a bit better rating than I would have expected.

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

            Ezekiel Guerra

            This company will SCAM you unless you stay on top of your account every month.

            Prior to Transfirst I was paying an average of 2.15 % they say that they will do better… Well today after 2 years of been with them I look at my statement and on $102,000.00 that I processed on the month of March their total bill was $ 4,105.42 This was over 4%

            They also add to the statement 16 different charges that, when I questioned that they say that those charges are not from them, that the 16 charges they are pass on to us from the credit card companies.

            When I contacted QuickBooks merchant services they offer us a clean 4 line statement and a flat rate of 2.9 %

            Citi Merchant services they offered a interchange + 30 points … this come out to be 2.15% based on the government cards that we always run..

            I will never use Transfirst, Be very careful with this merchant company We have lost easily over $20,000.00 by trusting that this company would maintain their fee as when we started.

            Good luck
            Ezekiel

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

              M.E

              No idea why staff is giving this company a 4* rating.I fell into the same trap, and I am not sure what I actually signed and what I didn’t sign. I do not think that I actually signed a $19.98/mo 4 year lease agreement on a mobile card reader that Square gives away for free. Why in the hell would I pay almost $1000 for a piece of equipment that costs less that $10 to manufacture. Of course, now there is a contract that “I signed” and there isn’t an exit clause. Same story as everyone else here. I would gladly participate in any class action suit against this company. Even though I don’t think I signed the contract and I know that it’s not what my rep said I was getting, there is now a “valid contract” in place that I can’t fight. My advice… Never under any circumstances should you ever do business with this company. Worst business decision I have ever made in my life. (can’t say worst decision ever because I’m sure there are worse things in life…like drinking and driving, putting cancer causing agents in your body, dirty things with dirty people, etc) But, for business…This is the same as walking as walking through the hood after dark and waving a bunch of money around. Not a good idea.

              1

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

                Jon Stevens

                Interesting….after opening an account with transfirst, I found that my statements did not agree with the details on my signed contract…..Upon contacting the company, they also had a different contract than the one I agreed to…..they refused to send a copy of their contract, and even refused an explanation, I ended up needing to close my bank account

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

                  Amad Ebrahimi

                  Thank you for the comment Jon,

                  If you’re looking for a new processor, we recently launched a tool to help our readers find the right merchant account for their business. Please give it a try and let us know what you think.

                  Take care,
                  Amad

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

                    robert rowe

                    I am re-replying, as apparently I have been censored…..for EM, and anybody with a contract with transfirst……get out your contract, get a copy of the contract from transfirst that they have implemented (if indeed they will send you one)….and compare the two to make sure there on no changes/surprises…..in my case, the company had an entirely different contract, where my signature was forged…..i expect this reply to also be deleted

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

                      Amad Ebrahimi

                      Robert,

                      You haven’t been censored at all. You and I have had a few email correspondences about this but I’ll reiterate what I mentioned in the email. If you look at the Negative Reviews section of our review, you will notice three headings: Terminal Leasing Complaints, NonDisclosure of Fees, Billing Issues and General Incompetence. I believe all of those headings are sufficient enough warning to our readers about the negative aspects of TransFirst. For us to accuse TransFirst of forging documents would be an accusation that is not based on fact because we don’t have any facts to go on.

                      Take care,
                      Amad

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

                        Tom DeSimone

                        Hi Robert,

                        As I mentioned to you via email, I had unapproved some of your comments because I saw that your IP address had posted comments under more than one name, which is usually indicative of fraudulent comments. Since you supplied your business name to me via email so I could confirm, I am reapproving your comments. But as I mentioned in the email, this is in no way to protect TransFirst. It is simply to prevent the posting of fraudulent comments.

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

                          Connie Gomez

                          After reading all the complaints with Transfirst, I am going to contact them and talk about my account with them. I am going to cancel my lease with them on the terminal machine, and also cancel my contract with them. I have an idea, by reading these complaints that it will cost me more to get out from under them, but I am ready and willing to bite the bullet, and pay whatever I have to in order to be rid of their services. I know in the long run I will benefit from it. We have leased from them for years and now I realize how foolish it has been to do so. I am looking into other companies, and Payment Depot, seems to be the best deal for me. The offer a “membership” with no contract a a “true cost”. Transfirst, scares me to the point that I am unable to sleep. I refuse to give them any more of our hard earned money.Thank all of you for sharing and making me act quicker to solve my issues with this Horrible company! I would think with all the complaints esp. with the BBB, they would be forced out of business.Connie G

                          1

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

                            Sehra SooJung Han

                            These people are crooks and liars. DO NOT DEAL with THEM.They charged me more than twice what was quoted to me over the phone.I specifically asked if there were any hidden fees or any other penalties or any other charges I should know about and the agent sweetly told me that no, no there weren’t.BIG FAT LIE. I turned in a complaint to the BBB today and we will see what happens.Has anyone fought the $500 early termination fee and won?Please contact me if you have. I’ll be your ally. scarlettdesignsmail@gmail.comAlso, PLEASE NOTE** that the Terms and Conditions are on a page of the contract that does not have a signature on it. I don’t even know if this can be held up in a court of law. I never signed the page that said there was a termination fee. There is no line on that page for a signature.

                            1

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

                              Jayne

                              Here is my update. Thank you for posting my comments.

                              The BBB has taken the complaint after all. So has our State AG office. My complaint is based solely on the failure to verbally disclose the 500.00 fee for cancelling “with more than 12 months remaining” stated in the Terms and Agreement, page 4. **BTW, there are no shortage of studies showing that we tend to absorb a lot less of what we’re reading from a computer screen, add to that 6 pages of size 8 font and the termination clause tucked in the middle, it’s no wonder so many people don’t see it. Do I think that TransFirst is counting on this? Yes. The next question is why do they have such a strict cancellation policy? If they were a good company they wouldn’t need one. People wouldn’t want to cancel.

                              I was with Elavon for 28 years and it never occurred to me to cancel. When I added an e-commerce site, I had to open a separate acct. When that site didn’t work out, I canceled the second account. The charge was 20.00 for the month since I canceled midway into the month.

                              It’s also very strange that I still have nothing in writing out lining what the fees are. I’ve asked CS, the rep, and tech support and there has been no clarity, no actual breakdown. Ironically, I got the most out of tech support, where my call was routed on the weekend (the 24/7 CS that was promised were off). TS threw out some numbers, 39.00 for the first 1,000 and 20.00 for increments over that, but he was very non-committal and told me I needed to contact CS.

                              I first emailed the rep (who promised to be there for me hell or high water), asking why I was charged a monthly fee of 119.00, he only offered to see if he could get them lowered, then I never heard back, after repeated attempts to contact him. Customer Service wouldn’t explain the fees either, they just threatened me with the 500.00 cancellation policy and reminded me I had agreed to the fees and the cancellation policy when I e-signed the 8 point font contract.

                              I then tried to access my “electronic contract” from the email link they sent to sign me up back in September, and the document had been “removed”. I was able to access the Terms and Conditions link.

                              In the end, it’s just a handful of dollars over what it would have cost to have stayed with my other processor Elavon (1.99 % and .25 per transaction), but handfuls of dollars add up. Combine that with the lack of support and clarity as to the breakdown of fees, from CS and the rep, the undisclosed 500.00 penalty for canceling, and the threat of legal action if i canceled without a verbal agreement to pay 200.00, it was a nightmarish experience.

                              I’ve learned a big lesson. Either don’t answer the phone or hang up the second it’s clear I’m being solicited.

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

                                robert rowe

                                just a note to explain my issues with transfirst that led to my contact with the BBB…i actually had been a customer of transfirst for several years when i was solicited by another commpany…….the sales rep compared my original contract with my statement, and the terms/fees were considerably different….a quarter percent here , 3/8 percent there…..added up to $10,000.00 over the life of the contract…….calling transfirst and speaking to the phone rep, she examined my contract on her computer screen, and it was an entirely different document than the one i signed….in fact, the signature on the contract authorizing the opening of the contract was entirely unknown…..she stated i would receive a copy of the contract in the mail within 5 business days…..this conversation was repeated at weekly intervals for 50 consecutive weeks, and i never received a copy of the contract from their office…..finally went to my bank which received a copy of the contract allowing transfirst to debit their fees from my account…..lo and behold, the bank received a different contract from the one i signed but identical from the one on file at transfirst…..asking the company to please explain this once again, was told that i would receive a copy of the contract in the mail, and that management would speak to me the….never came and when a called the following week, i was told that all old contracts have been deleted the company had no record of my multi year business association….. i never received an answer, how my signed contact became an entirely different one implemented by the company, why they refused to send my a copy of the contract they had on file, or how it so conveniently and mysteriously disappeared amidst mounting evidence that i had been victimized by a classic bait and switch

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

                                  Sehra SooJung Han

                                  Hi Jayne,Thank you so much for writing this. I will also take this up with the BBB. I’m having the same issue with them as you are over the strict cancellation policyand how they directly lied to me when I asked them over the phone if there was a contract involved and if there were any hidden fees.If you have any information for me if you won your case or how you went about it, I would be very appreciative to know.Thank you ~ scarlettdesignsmail@gmail.com

                                  1

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

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