They must train their employees on how to lie since they do it so well!! While not advertised, Cayan does offer interchange-plus pricing for all merchants. We need to add this ability but this is the first such instance of this type we know of. On the invoice screen of Cash Register Express, ring up some inventory item(s). Their promises of providing a quality service were just empty words. For those of you who don’t know (as I didn’t), this is the dreaded Blacklist and almost impossible to get off of. Anyway, I am at a loss as to what to do. They also said they would reimburse us for a $6.95/month junk fee for some discount service they stuck on our account earlier this year. This unique omnichannel system supports retail, online, and mobile payments through a proprietary payment gateway and a variety of compatible terminals and card readers. Their security team rejected my signature because it didn’t “match” a signature done online with a mouse! You have to learn the hard way to go check this obscure online report monthly to see what contracts have been suspended. It’s time to start looking again. They receive their fees either way, and if a chargeback occurs, they get extra money from that, as well.Avoid this payment processor, unless you want to deal with this expensive nonsense. Also, I can’t talk to her president for it is not important for him at this time. Otherwise, go somewhere else. Get started today for free. I asked all of these questions very specifically UP Front and was told otherwise by your rep [name removed]. While this is a clear enticement to lure merchants away from competing providers, most companies that use this gimmick also place so many undisclosed limitations on it that they almost never have to pay out the reward. The credit card processing routine myStratus offers in conjunction with TSYS makes it much easier for your business to attain PCI compliance. I was told that I would be locked into this rate. Why give a no start rating? No one over there would proactively deal with the situation. This company is full of hidden fees and dishonest practices. 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. Still no callback.Called to cancel. We Recommend Brex Corporate Card for Startups . I left Paypal to come to you folks and this is how you treat me? Cayan has been accredited with the BBB since 2002, and currently carries an A+ rating. jkahn@merchantwarehouse.com Toggle navigation. They have caused several negative charges after I closed the account. Cayan’s reputable sales team and generally solid customer service are also strengths. This company continued to Bill me for 5 months after closing and with every call we made, they said they would stop billing me and reimburse me which they never did. Second, Cayan doesn’t provide any information about interchange-plus pricing on their website, which we consider to be the fairest, most transparent pricing model for the majority of merchants. Genius SwipeSimple. You should double-check with the service provider/financial institution directly as well as obtain independent financial advice prior to making any financial commitments or business decisions. Phone Support. Click here to cancel Your account will not be closed until you complete the required information on the website. Thank you for your website; it’s a valuable service. After spending a good part of two days trading e mails, account statements, applications, and several different forms, I was approved. We most certainly could have done a better job explaining what “downgrades” are and why they cost more. Thanks for the comment. It never should have gotten to the point where you felt you needed to voice your dissatisfaction in a public forum such as this. Originally branded as Merchant Warehouse, Cayan has been in business since 1998, and have won several awards including ISO of the year in 2009. Merchant Warehouse sided with the cardholder and said “I lose”. Janelle Kahn Note that you might (or might not) have to pay a $49.00 setup fee if you chose the Authorize.Net payment gateway. It seems like they really need to reevaluate their cancellation system. Apparently if a cardholder write a letter, Cayan is supposed to pass it to us while a third party adjucates the dispute. I do not recommend. I find their customer support for hardware to be abysmal. 15 days later no results. I have been happy with this company, but out of the blue they mention a $99 fee for PCI compliance. The fees creep up. I’ve been considering Intuit. Needed to send pinpad to TASQ technologies per Merchant Warehouse. Cayan doesn’t charge an application fee, account setup fee, or annual fee. Can you tell, I am peeved!) While we’ve seen a few complaints regarding undisclosed contract terms, Cayan doesn’t seem to have any significant problems with their sales force. I WAS TRICKED INTO THINKING IT WOULD SAVE ME MONEY OVER SQUARE.COM, AND NOW I AM TRICKED INTO STAYING MONTHS AFTER I HAVE TRIED TO GET OUT.WHAT KIND OF SCAM ARE YOU RUNNING HERE!?!? Thanks. I was charged over 4% by Merchant Warehouse. The company also has an international office in Belfast, United Kingdom. Hope you have better luck with a legitimate business that cares about their customers than I have had. Cons. I had the same experience!! 2. We were almost immediately hit with thousands and thousands of dollars worth of fraudulent orders, using Cayan with Lightspeed’s old Web Store (not their new eCom platform but I doubt it would be any better).Cayan provided absolutely no authorization verification. Essentially only the company that put you on the list can take you off and you can NOT RUN ANY CHARGES from any merchant anywhere! To learn more please read the, Vantiv (fka Fifth Third) Tandem - St. Pete. If Pay Pal’s risk dept can start communications within 30 min. Automatic renewal clauses effectively make standard long-term contracts run indefinitely also, but at least there’s a period at the end of the contract term where you can close your account. Brian Waldman I was with Merchant Warehouse before it changed. ShippingEasy is one of our top picks for shipping software! When I asked you to respond, I wasn’t expecting a response like this. So far nearly three hours spent on holds and no results. I called customer service and they were very nice, but said they would have to send my rate issue to a supervisor. By that time the fees they were charged had added up to an amount our customer support reps were not empowered to credit. That is why you don’t hear from the risk department that they’ve held your funds for 3 or 4 days after the charge. I found merchant warehouse to have some of the lowest rates and fees. Then they start up again. This is a scam. Their standard offer has no early termination fee and no junk fees. The guitars were ready to ship and we could certainly use the money so we took the card. Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. They know they are in the wrong, do not use this company, use square or intuit with a fixed fee structure! back to February when cayan decided not to deposit the fund and holding it in cayan bank account that may be invested and make money off our fund, I asked cayan why you are holding the fund and cayan answer that cayan will deposit the fund to our account after the service be completed and the customer is satisfied and as of today 3/21/2018 the service has been completed 03/17/2018 my client is satisfied. I will spread my experience any one who wants to know. No. Four days into this relationship, management, sales representatives, and tech support are MIA. They requested documentation and it took another 5 days to get the funds in my account. They have the worst customer service and will try anything to delay you receiving your funds. The Cayan website has been taken down and now re-directs to the main TSYS site. (Most experts recommend cost-plus or interchange-plus plans). Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. 2nd and 3rd batches were processed on 1/2/12 and 1/3/12, and it is now 1/11/12, yet to be funded. We don’t usually receive it until about the 3rd week of the month, generally a week to 10 days after they have taken out their processing fee. They sign up thousands of merchants each month, so even though you can find a few hundred complaints online, it’s not a significant percentage of Cayan’s overall volume. to process $48. You’ll also find several positive reviews in our Comments section below. LOL. Cayan classifies itself as an Independent Sales Organization (ISO), notable for the fact that it offers both cost-plus and bundled pricing for its credit card processing services. Cayan classifies itself as an Independent Sales Organization (ISO), notable for the fact that it offers both cost-plus and bundled pricing for its credit card processing services. I got a call back two hours later saying I needed to cancel online. but I will Flood my experience in the web, Until I get justice on this. I called them again yesterday and they’re going to see if they can lower our processing fees down from an average of 4.0/4.25%. Please see the “Payment Processor(s)” section. The system is … It seems like it should be easy to cancel your account however they easily lose cancellation information, prolonging the process to extend the amount of time they can charge you additional fees. I just want my money from the signed credit card slip that states the customer agrees to pay the above amount. I signed up in March 2010. They offer 24/7/365 phone-based customer service and technical support, provided by a US-based, in-house team of service representatives. Rates are good, etc. The credit card processing of the actual charge, though, does not occur until the time of the reservation. I’m looking over your reviews for a match that might be more optimal for a little business like ours. It took that long for Cayan to process the account once approvals received. Organization Name: Zen Life International Yoga. I think Merchant Warehouses is the one that needs to be schooled. If you do not think my story is typical, go online and review the HUNDREDS of people that have been SCREWED by CAYAN! Utilizing token processing through TSYS, this credit card routine … Closed. This clearly shows their signature and agreement to pay. I have never received my refund and no one has responded to my complaints after 3 weeks. Because of our size we can … The $99.00 annual PCI compliance fee seems to raise the most eyebrows among merchants. NO explanation. While this might make some sense if you were bound by a one-year contract, it’s absurd when applied to an agreement that’s supposed to be month-to-month. Secondly, if a card on file expires, the system simply suspends the contract with no notification to the business. The system allows for processing payments from Customers in the following areas: When the Customer makes Appointments from the Customer View. I am very sorry that you canceled your account before you had the opportunity to get to know us better. They decided to hold over $21K on a transaction for months without any contact to us. I had hoped these issues would smooth out as the relationship matured and they got know us.Instead we were hounded by them after the New Year over a ridiculous issues regarding our fed tax ID #. Smash it on the ground, then look at it and say “I’m sorry!” Now look at the plate again. After two years I just tried to cancel and was switched to the “cancellation Dept.” where my the phone rang fro 14 minutes with no answer. The payment gateway is working on the same way a POS terminal works in stores. We don’t give as much weight to negative reviews as we do formal complaints because the company doesn’t have the opportunity to respond, but it’s still a disturbing trend. Calls to Merchant Service were met with polite ignorance. When we called Customer Support, we were told to contact the Risk Department. However, they’re not the absolute best provider out there. They were sent statements via mail and had money withdrawn from their account. Again, once we realized this we reworked the account to lower the costs of taking those specific cards. Custom solutions for small businesses looking for tailored credit card processing. I have had several of your “happy” customers contact me telling me they had similar experiences since then. I was leaving Merchant Warehouse with no ill will, I hope that will remain as such. When speaking with customer support the simply stated I signed a contract and I have to pay it. 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