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TSYS Merchant Solutions Review

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TSYS Merchant Solutions Review

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Date Established
1983
Location
Columbus, Georgia
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl



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37 Comments

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    Kevin

    Organization Name: Tanner Clinic

    Very bad customer service, they are never able to help you resolve any issues nor do they seem to care.

    1
    • Organization Name: Tanner Clinic
    Janet LaGrange

    Organization Name: Premier Health of South Minneapolis

    The Customer is of zero importance! They are getting ONE star only because I can’t chose a negative star rating!More than 2 years ago, I cancelled our account by speaking with Luther Starks at TSYS, who represented himself as a Manager. He reached out to me after I expressed displeasure with how TSYS was handling the accounts for a large group of clinics who used billing software that interfaced with TSYS. Our clinic has not used the TSYS system since March of 2017, yet we have been continually billed for the nearly $200/month base fee. TSYS refuses to take any responsibility for our account not being closed and possesses no business ethics to note that the account went inactive – I have now been told that Mr Starks (who of course is gone and left no records) was in Sales and had no authority to close an account. They are “generously” offering us a 3 month refund.Be VERY CAUTIOUS doing business with this company!

    1
    • Organization Name: Premier Health of South Minneapolis
    Rich

    Organization Name: The Barber School

    Terrible customer service. Charged a $195 cancelation fee. Too big to care. Will not be using the again. I am just a drop in the bucket.

    1
    • Organization Name: The Barber School
    Sheri Maskow

    Organization Name: National Drilling Association

    WORST customer service ever! They have over $4,000 of mine and they will not release it. This is after sending them ALL of the information that is needed. I have faxed it to three different numbers they have told me to and each time they don’t get it. Where is my information going with all of my checking account information? Why can I not get the same answer when I call? Why are you stealing my money that was paid to my company! This is not your money to keep! I am reaching out to an attorney and the BBB now, this is the worst company! RUN AWAY!!!!

    1
    • Organization Name: National Drilling Association

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

    Jake Reyes

    Organization Name: Henry Auto

    SCUMBAG, UNCONSCIONABLE, MALICIOUS, and NO ETHICS!!!!!!!!!!!! BUYER BEWARE!!!!!!!!!!!! Stole over $40,000.00 from our bank account and never returned it. In lawsuit now…STAY CLEAR!!!!!!!!!!!!!!!!

    1
    • Organization Name: Henry Auto

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

    NIDHI KUMAR

    Organization Name: vijay kumar

    This is the ripoff company . donot sign any dacument with them. they share the information with other fradulkent companies. the moment i gave them the my business account information there was fradulent withdrawl of the money withour any premission. just stay away from this company also read the added and continuos clause of terminal use which will they charge ton of money in case of any cancellation. better stay from from this company this is a fraud company. there are many other services like paytech chase and wells fargo . but this company is fraud vijay

    • Organization Name: vijay kumar

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

    Anthony Spina

    Completely unprofessional

    1

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

      Brett Abbott

      Let the long list of angry complaints be your guide. TSYS sounds good at first, but it’s a big mistake that you will regret. It seemed like a good idea at the time, but like everyone else says, customer service is horrible and the fees are out of line. I wish the overwhelming number of negative reviews were available online 3 1/2 years ago, before I got locked into the contract.Now that the contract is over, they are still charging me a cancellation fee, which goes to show they don’t really care about making anyone happy; they just care about making money.Stay away from TSYS!

      1

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

        Cary Scheck

        Lying scum. They’re trying to charge me $250 ETF when the contract clearly says it’s being waived.They are refusing to release my terminal (that I own) until the ETF is paid.Avoid them like the plague.

        1

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

          CS

          Absolute scum. Got stuck with these [nice people] through NFIB. They keep adding services without permission, the last of which is “Translink Insights” and tacked on $29.99 per month. Then they say they can do that per the contract. No, you can’t just add services without authorization “per the contract.”Now, apparently, I’m in a 3 year contract with them. I only have 2 more months but I don’t care. I got a new computer but can’t reinstall the software because that department is closed until next week.These people are a joke.

          1

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

            Jolee Wallace

            We have had repeated problems with them. I would not recommend

            1

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

              Ross

              Do not use TSYS. Terrible customer service. Even if you have the early cancellation fee waived they will charge you. Tried to get a copy of the contract, good luck! They can’t call back like they say. Such a hassle to deal with in every way. Highly recommend going anywhere else.

              1

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

                Tara Shiffert

                DO NOT USE THIS COMPANY!They will process your customer credit cards and you have to fight with them to get your money back.I have been using this company for a few years and every time I have a problem getting paid. I host a seasonal event and dont use them year round I use a better company Hybrid Payments. Never have I had a problem with them just TSYS. I hope someone reads this before they decide to use this company!

                1

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

                  Stony G

                  We considered a merchant account with TSYS, but after they jerked us arround during the application process we told them we wouldn’ use them. So they claimed we owed them $399 for cancelling (the fact there’s a cancellation fee is never disclosed) and made an unauthorized charge against our account. We complained to customer service and they never replied! We’re still waiting for them to respond 16 days later. NEVER WORK WITH TSYS.

                  1

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

                    Matthew Fritz

                    There gateway works well. I’m a POS provider. Some processors need you use this gateway because they are not directly intagrated with my POS. TSYS charges a fee for this. This fee has to come from somewhere. The local processing rep has to take it out of their end or pass it along to the merchant. I’ll let you guess which one of the two happens! Also processing is slower because they is 2 extra steps involved because of the gateway. At that point I don’t understand why merchants do not just go through TSYS directly.

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

                      Eve Torres

                      Beware! Tsys steals money from your account without warning. They are unprofessional and NEVER answer the phone. You will wait at least 15 minutes each time. I cancelled my account with them. They also have an excessive number of fees. The website is unfriendly and obtaining a password is pain. Good riddance TSYS!

                      1

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

                        Thomas Troyer

                        I work for Tsys and the plans you quoted work great for some merchants and their processing needs but majority of our clients are set up on a cost plus pricing model. Those plans actually work out nicely for smaller merchant with less volume because the terminal is free. Also we don’t lease terminals anymore. We listened to the merchant and their complaints about the non cancellable leases. You can either outright purchase or rent the terminal. Renting is a good option because if you ever decide to change processors you just send it back to us and that is it. BTW I love the site here and the honest reviews. I will be the first one to admit there isn’t a perfect processing company out there but we are trying.

                        5

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

                          Barbara Matthews

                          Rates are decent. However, if you do not buy your machine from them you cannot get the sticker with the merchant ID, etc printed out to go on the machine. Plus, I made myself an LLC and so account numbers changed. Not only will TSYS not send sticker for new cc machine, but will not send plate for manual imprinter either. I can make a note for machine, I cannot make an imprint plate!!! Have been with TSYS for a few years. Would think I have paid them enough by now to get sticker and plate!!!!

                          2

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

                            Mandy

                            After reading through some of the other reviews, I would have to agree TSYS has some of the WORST customer service I’ve ever had to deal with! Early on when I signed on with the company things were a little confusing…the first card reader I got was not working properly. Every time I called someone they would try to walk me through trouble shooting, only to have them say I was doing something wrong. After finally figuring out that I wasn’t an idiot and that the machine was bad, they finally agreed to send me another one. They forgot to send return postage and I was getting charged for two terminals. They always said they had sent things to me only to find out that they had the wrong mailing address or had never processed the order in the first place! Somewhere, someone always dropped the ball. In hindsight I should have run the other way. Things finally calmed down and I had no problems for years. Then I got a call saying the card reader I had was out of date and they would be sending me the new model…NOTHING HAPPENED! Several months went by and I started running into problems with my card reader. At that point, they told me once again, that I shouldn’t have had this machine anymore, that it was old. No s*#@t! After several months of the new terminal being sent to the wrong address after wrong address and struggling to get payment from customers, I had finally had it! I have since spent the last three months trying to cancel my account and return the card reader, only to find the last agent I talked to never filed the request and I was still being charged for the machine!!

                            2

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

                              Robin

                              I’ve been with Tsys for many years now. They’ve been more than willing to lower my rates when I ask, but then it seems the “extra” fees pile up even higher. They tell me all of that is through Visa/MC and they have no control over it. I look at my monthly totals versus trying to dig through all the interchange, FANF, etc. fees. I’m running on average 2% and I think that’s pretty good. They’ve always tried to charge me for a machine but I insist on getting them for free and they comply in the end. However, their customer service is AWFUL. When I do have a problem, no one seems to know anything, they create “tickets” for every issue but never resolve them until you harass them to death, each time you call about your ticket you get an entirely different answer, including flat out lies. I’ve been hung up on completely, transferred to their employee health insurance department, and generally met mostly with incompetence – though on occasion I actually do get someone who knows what’s going on and is helpful. Still, it takes months to resolve anything at all – while they’ve got your money and are holding you over a barrel. Most recently, our machine refused to batch out and Tsys said they would key in every entry within 3 days. I called in 8 days and nothing had been done and no one knew anything. Two weeks later, they finally got around to it. Then I got 2 chargebacks because the charges hadn’t been presented to the bank in the “allowable time frame”. I told Tsys this was their fault, not mine, so they had to pay up regardless of whether they could retrieve their money from the customer. They did nothing and then came back to me telling me the customer’s account was closed. I called the customer and found out that was a lie. I’m still going round and round with them on this, and it has been 1-1/2 months now. I finally called again and pushed the button that says “if you’re thinking of closing your account, press #X”. Of course I got a message machine, not a real person. Only then did I get an actual phone call back from an actual supervisor, promising me he’d solve the problems. I have found, unfortunately, that resorting to threats is the only way to get people’s attention anymore. Of course now I have this reputation as a “bitch” because I’m driven to this degree. What ever happened to “doing the right thing”? Whatever happened to “fair and just”? People laugh at me for having those expectations…. sigh…To me, this is just symptomatic of how everything in America has gone to hell in a hand basket. This is the new NORMAL. We are expected to lower OUR standards and accept being over the barrel. I do not accept this and will forever hold any company I do business with, to offer competitive rates AND excellent customer service.I am a member of NAMM who contracts with a cc processing company every three years to endorse that company to their members. This year they’ve endorsed Worldpay, but after reading their reviews on this website (thank you, thank you, thank you for existing!) I will certainly steer clear of them. Again, thanks to this awesome website, I will look into Helcim for processing.I do think however, you need to change your review of Tsys since it seems all of the customer reviews are negative. I gave them 2 stars because of their decent rates, but as for customer service…. boo!Thank you,Robin (Seattle, WA business owner annual sales $1.2 million)

                              2

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

                                Arthur Mogavero

                                Our franchise once recommended TSYS but now has decided to recommend a different vendor. Maybe they know hundreds of accounts will be leaving soon so they figure what the hell. They refused to pick up or tell me where to ship my 2 terminals than charged me $549 before they sent tracking slip. Now they’re saying the box didn’t have all the equipment and will credit me $190 which does little good. My recommendation is stay far away, these are bad people.

                                1

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

                                  Beth C

                                  Term net and First National Merchant solutions are NOT subsidiaries of Tsys.
                                  Tsys entered merchant processing by buying Fnms in 2011.

                                  http://www.businesswire.com/news/home/20110104005391/en/TSYS-Acquires-Remaining-49-Percent-National-Merchant#.VSig55Y8LCQ

                                  They also
                                  bought Term Net in Atlanta.

                                  http://m.bizjournals.com/atlanta/news/2011/05/02/tsys-buys-termnet-merchant-services.html?r=full

                                  This makes them acquisitions not subsidiaries.

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

                                    Ron Coffield

                                    I am a direct sales rep for TSYS since 2009. Although located in Idaho, I help customers all over the USA. I cannot speak for our company officially, but wanted to note a few things in the info about TSYS. It mentions long term leases as costly etc. TSYS offers terminals to buy, or to month to month rent at very competitive pricing, and only provides the most modern compliant models. This is very different than most vendors offering leases. You also mentioned we are best for bigger merchants, which is true, but we can also be highly competitive in our smaller merchant offers.
                                    We are not perfect, as every company has issues, but our low level of complaints mentioned, and a worlds most ethical company award again in 2013, may sway you to give us a chance to earn your business.

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

                                      Scott Williams

                                      Run as far as possible from this company. I have to echo all the above complaints. I used them for four years and even though I signed an addendum with the original contract to waive all early termination fees guess what? Yep got charged early termination fees when I cancelled. Why did I cancel you ask? Well since January my rates have been all over the place and I have had to call in each month. After spending hours trying to fix it and dealing with rude customer service agents most of the time I had enough.

                                      1

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

                                        Cindy Davis

                                        While these comments are over a year old and things might have changed, I don’t understand all the negativity. I’ve been with TSYS for over a year and not had any issues. When I switched to them from another processor, they said my machine would work, but when it didn’t, they gave me one rent free. I don’t have any cancellation fee in my contract and my rates dropped substantially from what I had before. Customer service has been great also, even though I haven’t had to use them much. I would recommend them and have done so.

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

                                          Yvonne Smith

                                          TSYS has the absolute worst customer service I have ever seen!!!! When you call them for help with a problem and after being on hold for 36 minutes, they come back to you and state that there is nobody there that can help you right now, you will have to call back later. When you have a client standing in front of you, it is NOT good business. This has happened to us several times. I’ve never seen such awful customer service from any company!!!!

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

                                            Newt Watson

                                            Stay away from this company unless you want to receive poor service and outrageous fees. They do not tell you up front that you are signing a three year committment and that they will charge you $399 to close the account if you stop using their service before the three years is up. They practice unethical business behavior and will continue to charge your bank account fees after you close the account. I switched to Paypal and have much better rates and no fees or long term contract. STAY AWAY FROM TSYS.

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

                                              Melinda Meador

                                              This has got to be the worst merchant service provider out there. In addition to all of the complaints above, I never received a monthly statement or end of year tax forms from them unless I called. Their web site was useless, and they never did get my account set up correctly. Minimum monthly nut even if I didn’t run a card was about $70 (MAJOR RIPOFF), the $250 cancellation fee was absolutely NOT disclosed when I initially signed up and I do have copies of everything I signed to prove it, there was a $150 PCI compliance fee out every year even though I do not do eCommerce or online sales, and for months after I cancelled they continued to pull some other $35/month fee out of my account, which they refuse to refund! I called many times to complain and never got anything but the runaround. If it were possible to rate them at zero stars I would.

                                              1

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

                                                Yvonne Smith

                                                I totally agree with you, 100%

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

                                                  StanM

                                                  I have been with them for 4 years, and while you really don’t need much from them, whenever I did it was horrible. about $50 a month in junk fees. Mistakes that took years to fix and I still think I got shorted. I needed a mobile solution once a year and it was nearly impossible from them . . . yes, they would say the right words but almost never actually do anything.I would not recommend them, I’m switching to Chase, same (excellent) pricing but half the fees.

                                                  2

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

                                                    Wade Speelman

                                                    I am a sales rep with TSYS and have viewed the complaints above. TSYS is a great company but no company is perfect. I have forwarded these to our customer service department and action has been taken. Also I am in sales and all the accounts that I sing up, I have my clients sign an ammendment that waives any early termination fee so that I am earning my customer’s business every month. I have been in the industry for over 7 years and have worked for companies who don’t care about thier customers. I wanted to come work for TSYS because they do listen to thier customers and their employees for suggestions. Please call me if you have any questions about setting up a merchant account and I will shoot you straight. If I can’t help, then I can refer you to other people I know in the industry who work for other companies.

                                                    Blessings!
                                                    Wade Speelman
                                                    4025747052
                                                    wspeelman@tsys.com

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

                                                      Newt Watson

                                                      Do not use TSYS. While Wade makes the company appear to be ethical, they are a terrible company that you should pass over if looking for a merchant services company. Try Paypal, their rates are much lower, the fees are much lower, and they do not have a term contract to sign. Avoid TSYS like the plague and save yourself a lot of grief in the future.

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

                                                        Elena

                                                        I have had issues with TSYS. My experience has not been pleasant and I am still dealing with a false promise that TSYS never came through on. I was put on a point system with AMEX and was being charged a very high rate. My rep knew i was expecting a payment from my customer over 10k. TSYS wanted to profit off of this on the high rate so they drug their feet getting us switched over from the point system. Needles to say after many many calls and run around they finaly switched out account, after the 10k was charged. Really unprofessional and crooked.

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

                                                          Scott Wilson

                                                          STAY AWAY from this company. The sales rep with his company that I was working with would never return phone calls or email messages once he got an account established from my business. I was offered a “free 90 day trial” with this company and soon found it to be a major headache. The customer service never knew what was going on within and I found them to be totally useless. There seems to be no accountability and nobody in charge when it comes to dealing with any issues.. To make matters worse, in my case, I was called upon by their collections department for a service I never used when I actually was suppose to get a refund I never got…Ridiculous….

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

                                                            Jeremy Porter

                                                            This is a horribly company – they rip you off every chance they get. Even if you don’t fall under PCI Compliance Rules (by not storing CC numbers), they still charge you an additional $40 a month for not being PCI compliant. Then, when you cancel your account you’re charged $299. STAY AWAY! Customer service is horrible – they’re rude and not willing to negotiate at all.

                                                            1

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

                                                              teresa giedgowd

                                                              Stay away from this rip off company. I used TSYS for 4 years to process my credit cards and they were difficult every step of the way. There are tons of hidden fees that they will debit your bank account without notice or permission. The last straw was when they took, without my approval or knowledge, the $250. termination fee. it was very hard to manage my account when I had no idea what would be deducted each month. The customer service is rude, and could care less if you are unsatisfied with what they are doing. They actually laughed at me when I was expressing my frustration with their practices. Please be warned and stay away from this company, there are so many other processors out there that will be glad that you are doing business with them.

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

                                                                Gary De Forest, DC

                                                                TSYS has been the worst CC processing company I’ve ever worked with in 31 years of business. They rip you off every way they can. When I closed my account with them they continued to charge me month fees . Then they never told me I had to turn in my terminal and they tried to charge me for that as well ! There Reps seem unable to help in any fashion. I was nice on the phone, tried to resolve issues, only to get lip service from TSYS.
                                                                They use the CCD electronic debit methods to rip you off and be sneaky. If you are not sharp and look at your BANK statement monthly, daily, they will rip you off. When I asked
                                                                why they had not even sent me a paper statement in the last 2 years, they replied that was an extra $9.95 a month and I could get it online, Okay, but no one from TSYS ever told me that or sent notice of this! When asked how they continued to bill/debit my business back account under a old merchant # that was not even active ? Again, the told me that the account was never closed. I have the Merchant Account Cancellation request form copy in hand. Looks like I have to take them to small claims court in my local area to try to get over $1600 in back charges recovered. Just more fun for this small business owner. Gary DeForest, DC. San Diego, CA.

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

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