We have been using them for years and every year we noticed increased fees around tax season. They bank on you not having time to thoroughly check your records, especially since they don't provide paper statements without an extra payment. Their site is now removed and a Google search brings up disturbing news: https://www.cardpaymentoptions.com/credit-card-processors/commerce-payment-systems/ This is a scam. Run. read more

This place gets 1 star only because I can not give it 0. I began working with this place in Aug 2010 and it took me entirely to long to stop service in November 2010. TERRIBLE customer service! I repeat, TERRIBLE customer service! Save yourself the headache and don't even bother signing up - honestly! I switched to Bank of America for merchant services, not only did they beat the current rates I had, but customer service is great - I even have the cell phone number of my rep incase something goes wrong. Oh, and if something does goes wrong with CPS (such as being over charged, like I was every month, account problems, you name it) good luck ever getting the right person on the phone. You will ALWAYS be re-directed to someone who can't help you and wants you to call back. I'm not rambling here - just speaking my experience, and for the company I referred. I was embarrassed to say the least to refer someone here! Don't let the friendly people in the INITIAL phone calls suck you in, because once you sign the contract the customer service goes right out the window. If you don't believe me - sign up and let the throbbing migraines begin. My greatest advice is: STAY AWAY AT ALL COSTS!!!!!!!!!!!! Regards, Finally Happy at Bank of America read more

I have been a customer of this business since 2011. We have attempted multiple times to cancel our account with them. I have sent emails, faxes and jumped through all the hoops they have set up, to no avail. Alas, they are somehow still able to pull $44 / month out of my account. Interestingly enough, I went on Yelp to see if anyone else has had this experience. I was shocked to see that there are almost 30 other reviews that have had the same experience. Yet somehow, those other reviews are hidden by the Yelp filter. Look for yourself! I would not recommend using Commerce Payment Systems due to our challenges cancelling our account. That said, I will mention that they performed as expected for our Merchant Account. If they could just learn to do honest business and cancel their accounts in a timely fashion after a customer requests, I'd imagine they wouldn't have so many upset customers out there that are trying to warn others... read more

I'm agree with everyone else that has posted about commerce payment systems. Here is what I went through. Got a friendly call to get setup. I decided to sign. They didn't set the proper expectations up front. They wanted all bank statements, references, credit checks which is not unreasonable if disclosed up front. Once I received the terminal, I looked over the terms and did not agree with it. They limited how much a single transaction would be and would not budge until I sent in references. I refused to do so and said please cancel my account. Guess what, instead of cancelling, they continued to bill me month after month for about 4 months. The funny thing is they were charging me around $100 per month like I actually had transactions but I never even used their service. Getting my account cancelled was a nightmare. After they received the terminal back, they still billed be for service. WTF! Getting a refund is ridiculous as well. Don't even get me started there. WORST COMPANY EVER AND WORST CUSTOMER SERVICE I HAVE EVER SEEN. THE BBB SHOULD SHUT THEM DOWN. read more

Been a customer for a few years and I just started reviewing my statements with more scrutiny. Discovered that I am getting charged over 6% on my transactions. Called to complain and they keep saying someone will get back to me or my "account will be reviewed by management" NOTHING STAY AWAY from ths company!!!!! Aweful customer service and they are complete scammers!!! read more

I don't take time out of my day to write bad reviews but this was one review I had to write. Do business with this company at YOUR OWN RISK. There is a 65% chance that you will regret doing business with these guys. We looked at all the reviews and decided to go with them anyways after multiple reassurances by the sales person about our concerns with the reviews. It was a huge huge mistake. I won't say that this company participates in fraud but it's just a horrible company with horribly trained employees, horrible and contradictory rules. They will make the most effort to keep your money with them as long as possible. They will make excuse after excuse. They will make you go through loops and jumps and at the end still not give you your money. Danny Sanders is the sales person we dealt with: she is a liar. Flat out lair. Mikel in underwriting: incompetent, contradictory, and also a liar. I've gotten so angry due to their tactics that I I have lost the ability be mad at them anymore. It was our fault for ignoring these reviews. We lost a lot of money doing business with them. TAKE YOUR BUSINESS ELSEWHERE. There is absolutely no reason to go with these guys when there are better reviewed companies out there. read more

They bring you in with a low "rate" then add a 3% surcharge because it's a special card! I ask how do I know if the card will carry this fee, they said you don't ... that sounds great! Not! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! Do not use this company!!!!!!!!! read more

Pirots of internet I search on Internet to open a e-commerce merchant account. I saw their advertisment with the promise of Low 0.39% Rate, No Hidden Fees. Free Terminal & 24/7 Live Support. I have to tell you, they are all lie. I got to into a contract with them to have $14.95 monthly fees but I end getting charged more than $79.00 monthly fee and whenever I called, different people say different thing and for the 3 months that I was with them, I didn't get a straight answer what are those charges are. not to mention it took them more than 2 weeks to deposit my successful authorized transation into my bank account rather than 2 days. I do not recommend them. They have many hidden fees and the rates that they advertise are not true. BE AWARE read more

The Company's name: Commerce Payment Systems and they also use Merchant Commerce Systems What a nightmare! All businessess should avoid using this company, especially smaller ones because you cannot afford to lose money the way I have. The customer service is the worst and you have to spend close an hour of your valuable work time to try to undo, understand and unveil their mistakes and fraudulent activities. I set up my account in august 2009 and I've paid an average of $70 per month in fees that I still don't know what I was being charged for. They NEVER just send you a refund when they debit money in error...you just get it reduced from your next month's fees which you still won't know what you're actually being charged! CRAZY! They also have a yearly "insurance" fee of $99 which they take out whenever they get ready to. I've had to fight to get fees back because they've hit me twice within a four-month period of time. You never get anyone who can really help you and forget it when they say they're going to do something. They've never changed my business address (i've moved to my third suite since starting with them) even though I sent the request for the change the way they instructed. I never received rolls of paper with my machine, my equipment was defective and I couldn't swipe the card. Their solution: just keep pressing down really hard until it goes through! (They get more money if you have to key it in so they really didn't care if it worked or not!) When I was planning to cancel my account in Jan 2011, "David" (the customer service supervisor) offered me a reduction of my fees by $25 to keep my business. What a joke because that never happened! then I got hit again with the $99 fee in May and tried from June 6 - june 10th to get someone to call me back. NEVER DID! I then found out the name of the owner and wrote him a letter. Never heard back from him. I finally got someone on June 10th and I was sent the Cancellation form that I was to fax back. I did that. I also returned the equipment on 6/15 and it was delivered to them on 6/17 at 10:51am. I was told that the account would be closed within 5 -7 days. On July 5 they drafted my account AGAIN for $45.25! What a nightmare! STAY AWAY FROM THIS COMPANY read more

This company is fraud! Total nightmare every step of the way! I opened 3 accounts with them and have had nothing but problems from day 1. Now more than $675 is missing from my accounts. I have called more than 17 different times and not one person can straighten out the mess, or credit the mischarged transactions. I was quoted a rate of 1.59% for credit card processing, and after starting to use the service I realize that I am now paying between 5 % - 7.2% after the small print charges. They have hung up the phone several times while asking to try and figure out a solution, and now will not call me back. I'm up in arms. They should be glad that they are 2000 miles away, otherwise I would storm the office and get my problems resolved in person. Beware!!!!!!!! Do not use this company. read more

This was a terrible business to have to deal with. It took months to get paid for the credit card charges we made at a non profit event. We were charged all kinds of charges that were not a part of the initial agreement, only to be told that they sent out some sort of "notice" that the terms had changed. Their customer service is a complete scam. You end up going in circles and they make promises that they do not follow through on. I would avoid this company at all cost. read more

Stay away from this business. Their salesmen are sweet talkers, but they did not tell me about the monthly minimum fee, nor did they tell me that the equipment would cost me $29 that they call an insurance fee. They sent me equipment that would not work, charged me basic fees for a month I did not have equipment, then charged my account for a $99 "regulation update fee" after they were had been in possession of my cancellation request and equipment for over 25 days. Their justifications all pointed to obscure wording in the online documents signed by e-signature, and the online statements of my account. I've never been treated so poorly by any other company I've dealt with. I only wish I had looked on Yelp instead of just the BBB when I signed up. DEAL WITH THESE PEOPLE AT YOUR OWN RISK! read more

STAY AWAY FROM THIS COMPANY!!!!!!! Simply put, I was treated nicely when I signed up, and then customer service went right out the window. It was nearly impossible to cancel my account and it took me 3 attempts. They even charged me an "inactivity fee" Of $79.90 each month for not using my account while I was trying to cancel! An inactivity fee? When I inquired about that fee and told them I never agreed to pay $80 per month for their services, they said my contract said "fees were subject to change without notice". This was the worst business experience I have ever had and absolutely no customer service. read more

I'm experiencing the same issues every body has we keep being billed about $121 per month when we have not processed a dime in the last 3 months using them. We have called to cancel. and nothing gets done. This people are thieves just out to take your money. My credit card processing fees using their virtual terminal were much higher than i was told it would cost at the beginning, they also charged a volume fee, so by the end of the month I was paying about 5% (much higher than Paypal, square and all others) so i stopped processing and been trying to cancel, but they keep billing my account, now I've contacted my bank's dispute center and hope to get this thing solved as soon as possible. DO NOT USE THEM. read more

Commerce Payment Systems charged me 79.90 each month for months without my approval. When I looked into their services they said they would not provide services to me without my giving up highly personal information. When I said, fine let's not do business, they began charging my account anyway! They now contend I was approved anyway! To hell I was approved. I disapproved them! Now I cannot get my money back. Just thought I would give additional insight into the term: TERRIBLE! read more

Thanks for the Tip!!!!! We started with Commerce Payment Systems in 2014. We were signed up by a very friendly guy, The Commerce Payment Systems website promised the lowest rates in the industry. We did not use the virtual terminal a lot, averaging $0 to $2000 per month in credit card charges. We were charged a transaction fee from Bankcard Processing Services for each transaction based on the size of the transaction of about 3%. Plus, we were charged an Authorize.Net Gateway Billing charge of around $25.00 per month. But in January, 2018, we were charged a Bankcard fee of $116.00 for no transaction, in addition to the usual charges. We googled Commerce Payment Systems and found this site, as well as several others with irate customers railing at the debited fees to their account. I tried customer service numbers for Commerce Payment Systems and the affiliated EVO Payments International, but they all were dead numbers. Upon the advice of Yelp users, we went ahead and blocked access to our accounts through our bank. Tomorrow, we will start to enroll in another provider. Thank you Yelp users for giving me the information to make a quick decision. Thank you for warning me about not wasting time calling customer service. read more

See more horrific reviews here!!!! http://www.bbb.org/new-york-city/Business-Reviews/credit-services/commerce-payment-systems-in-hewlett-ny-87928/complaints Do not sign up!!!! Best processor after trying out tons, Costco's Elavon. read more

I agree with the previous review. Commerce Payment systems customer service is borderline pathetic. Most of the time you sit on hold for 15-30 minutes. Managers are never available and NEVER return phone calls. I called for 2 weeks straight and every time I called they said someone would return my phone call. They overcharged our account by $855 from a July statement. I have called every week sine we received our statement in august for July. I would NOT recommend this company to anyone. read more

My experience with this company is pretty similar to the other customers who left their reviews on this web site. They fooled me with false advertisement and not disclosing with several hidden fees they were charging. After I cancel my contract, they continue to ACH debit my business account for several months. Last time I talk to them over the phone and I mentioned if they continue charging me, I will leave a negative feed back, their rep simply just hung up on me. They should be stopped doing false advertisement and taking money out of their customers' accounts with no authorization. read more

I received the wrong credit card terminal and when I called the number was off the hook. About two weeks later the after hours service started to answer the phones but they have no access to Commerce records. I never activated my account but they still managed to pull $19.95 out of my acccount. What I have surmised so far is this company is closed and the computers are running the credit card processing. I'm closing my checking account to stop them from taking anymore of my money. read more

I have been with commerce payment systems for 3 years and had the best experience. Their customer service was excellent and they were very fast to process the transactions. setup was nice and easy. I highly recommend them David Simai MD read more

I did due diligence too late, sucked in by their advertising and sales person. Nothing they write in their marketing or say in their sales call is true. I began processing cards and sending them money, they began sucking money out of my bank account. Never did they actually give me my money. Now they say I have to pay their fees before they will give me the money I processed with them. I have gotten nothing from them. Better Business Bureau has over 250 complaints about them. I believe this is a good core of a class action suit against them. They are a fraudulent company. The Federal Trade Commission will take complaints against them as well. Everybody who has been screwed by them should complain to these entities as well as Visa and Mastercharge directly. If we can get hit by chargebacks so can they. read more

The single worst business decision I've made in over 20 years, was to switch to Commerce Payment Systems! They say there is 24/7 service but when you call on Saturday, there office is closed. Every time you call customer service it takes an hour to get anything resolved if you are able to get your issue resolved at all. Service reps are always kind, however, they are also always very unsympathetic no matter what the situation. They say funding takes place in 24 hours, however, I've had over $40,000 in transactions that they haven't funded over the last two weeks. Just stopped using them today. Two weeks was all I could handle! Save yourself some time and money by finding another credit card company. This one is a nightmare! read more

I am in the same situation as almost everyone else here. I was in the middle of signing up when I discovered the extremely poor customer service. From the receptionist to Mark Green, sales rep, I have received the poorest level of customer service ever. I have no clue how they manage to remain in business. I did not submit all of the documents (thank God) but I am curious to see if there are any charges to my account. It is illegal if they are charging people for services not rendered. I say we file a petition that have this business closed for illegal practices. This is just not right! read more

This company ignored my cancellation, promised a refund, continued to charge fees up almost $700.00. I have lodged complaints with FTC,Dept of Commerce, and of course my bank. It probably will yield a big zero. Mark Greenblatt signed me up, Sounded great, no minimum fees etc. apparently what he says and what happens are two different things. There fees are outrageous. I spoke with a manager named Benny, he promised a refund back in July 2011 for $265.99 never happened, they have continued tapping my account, I have proof of cancellation., which I made originally in May. Big Big rip off . I spent the entire day trying to get this resolved. They must have a block on my phone because it goes into music forever now. They have a poor attitude, could care less- got your hard earned money... Don't do business with these people. You've been warned- by the way I had to give them 1 star to write my comments. they are a minus zero read more

Stay away ! Sneaky, crooked and will not respond. I used their services for a total of 2 months and as a result it cost me over $1,200 dollars. I have a very small business and it just about put me under. They have no compassion or integrity. I rate them below zero read more

I have talked to more than one manager tried to close my account they keep taking monthly fees and when I call to ask why they tell me they see that I called about cancellation and there is a note on file but not this account has not ben closed, I ask for a manager, they tell me " I will forward him an e mail with your concerns and he will get back to you." and it never happens... its like being caught is a bad reoccurring nightmare. The get on board sales team is great.. after that, its all down hill at break neck speed.. but don't be fooled but they will not let you out. never... ever, ever! read more

I opened an account with them on 9.20.2011 and within one week they debited $41 from my account. I called and was put on hold for almost an hour and informed that it was their mistake and they would fix it in 30 days. I raised hell and got them to issue a credit after another 30 minutes on the phone. The following month I got hit with $30 monthly fee on top of the percentage they take when you run the card. I called again, was put on hold for 30 minutes, and directed to a website they said would give me an itemized billing which did not recognize my account number. Now for my second month, they debited $99 from my account. I called and was put on hold and hung up on after about 30 minutes of waiting. I called again and have been on hold for 23 minutes as we speak. Under no circumstances whatsoever, use this company. Even the fax number they give to send a termination letter to is busy and wont work. read more

I completely agree with Kskware d's comment. Once you signed up, headaches, frustrations, and anger begins!!!! I wish I found this review before signing up. I regret signing up with Commerce Payment Systems. Horrible customer service. No one is knowledgeable. So bad that words came out of their mouth makes no sense whatsoever. Like they just put random words together BS-ing and hope to sell you on it. How ridiculous is that?!? I will give Bank of America of Merchant Services a chance to earn my business. I DO NOT recommend Payment Systems Commerce. read more

THE WORST COMPANY EVER.. every time I have called, they know me by name.. then transfer us to another line which states I am 25th in line. once I wait almost an hour, they hang up on me.. I have not been able to get through for weeks.. Three Weeks ago I got through only to be told to leave message and a manager will get back to me... HOW DO I END THIS NIGHTMARE??? NATHAN J. WHERE DID YOU SEND YOUR CC MACHINE? HOW IN THE HECK DID YOU CANCEL YOUR SERVICES? PLEASE HELP, abelmarin@yahoo.com read more

WORST COMPANY IN THE MERCHANT SERVICE INDUSTRY. Promised rates, billed something else. So we cancelled and they kept billing our account. Very shady, very bad. Sales people sure are convincing. I did call and request a manager many times, they always put you through to a voicemail and never let you speak to anyone. Bad bad bad bad bad. I hate this company. So dishonest. How do companies like this survive? read more

I needed to switch from using the Square (which I loved!) to a system with lower transaction rates. I ended up signing up with Commerce Payment Systems. Only until I upgraded my inventory tracking system to the Elo PayPoint System (I'm totally in love now!), did I become fully aware of the amount of money Commerce Payment Systems was debiting from my account. Keep searching for other services, Pilgrim. read more

I've used this company for over one year without any problems, but then again I did not check my bank statements for that year to see what I was being charged. However, I found another company that offered better rates, I cancelled however, 1 year later after seeing an unusual BKCD Processing fees of $79.90 and when I looked back through my statements they charged me $79.90 for several month prior & one month $118 then $119 the following month & another month $185. They just used my back account and took money as they wished. When I called to say, what up with all these charges, they said they had no record of me cancelling. Ok so if my account is not being used then why are all of those outrageous charges of $79, $118, $119, $185 all about. Its been 4 weeks & no reply about their investigation & they will probably charge me again for this month. I've contacted my bank & they are investigating but it could take several months. read more

A nightmare company that resorts to sneaky business tactics. They sign you up for a contract that stipulates very low fees then out of nowhere they tack on new monthly fees. I was charged ridiculous fees that were not stipulated in my contract without ever getting any advance notice averting me the changes. I just noticed they have an F business rating too. STAY CLEAR OF THIS COMPANY. read more

Well, if you NEVER want help in your business, if you NEVER want to speak to anyone, if you NEVER want a resolution for any of your business needs, then this is the company for you! I am especially fond of David Fields, he is ALWAYS in a meeting, never responds to email nor returns phone calls. And I do not want to forget John Lane, our customer service rep... He has the knack for signing you up for the service, way more than you would need to conveniently line his pockets and then DISAPPEARS from all modes of communication. Today is August 2014, I have been trying to resolve our issue with them since October of 2013. And as I type, I am sitting on hold, 20 minutes now.... sigh, liars, thieves and completely unprofessional. If they call you to solicit your business, no matter how low a rate they offer, RUN!!! read more

This company ripped me off for nearly $300 in "hidden fees" in less than four months. Every month customer support says they will submit a claim to management, and if approved, a refund will be credited the following month. Well your money is gone forever, so avoid this company like the plague. read more

This company looks good on the surface but BEWARE!! If you are looking for reasonable priced merchant services, their prices look good and they are very helpful in getting you up and running (ie: signing the contract) however, after you have signed, it's all down hill from there. I started a small company and was encouraged by their reasonable prices. They charged me more than my contract amount, to get customer service I would wait for 30 minutes or more before I could get through to a person. It took them 2 months to return my money. THEN, they never told me about how I would get a monthly statement on line and never gave me my password (which they have to provide). They started charging me more money for my monthly fee and this notice was given to me on the on line statement that I had no way to get into...another 2 hours later waiting on the phone to talk to someone, I get my password....no offer to refund my $$. I felt they should as I was unable, per their lack of info, to see my statement and make my decisions accordingly ( I would have cancelled my service). THEN they inform me that they are going to start charging a $99 yearly fee for security!!! I sent in the appropriate paperwork to cancel my account with them and they continued to charge my account. When I called first I was told that yes, the account had been cancelled, but when they charged me another month and I called (another 1/2hour wait on the phone), they required me to send all the paperwork to them again to confirm I had sent it in the first place!!!! YUCK!! They cost me plenty in time wasted and overcharges that were not made available for me to examine due to their lack of communication!!! My experience with this company was awful....definitely a low rent outfit, in my opinion. read more

This company is a rip off and a fraud. They originally told me the fees would be very modest compared to others, less then $25.00 per month. Since then they have charged in excess of $75 every month. I discontinued service on 9/22/2011 and they have taken over $400.00 out of my account. If I call to get this straightened out, I am put on hold and never answered. Stay away from them at all costs! Thye should receive NO stars or negative ratings. read more

HORRIBLE SERVICE! I tried joining their services for my business I never received any information from them! Terrible Customer Service. I left a message for my agent to cancel my account, never received a call back from him and I'm receiving charges through my bank!! SOOOOO DISSAPOINTED :((( never use their services read more

Don't even think about using this company! In 30 years in business I have never done business with a worse company! Gave me 4 hard inquiries on my credit report after telling me I would only have one soft inquiry. Overcharged me on everything and blamed me for everything. Impossible to cancel and you will never get a phone call or email back from customer service. Just got straight to http://authorize.net and skip this miserable middle man! Did I get my point across? Run from this company as fast as you can! read more