Several mobile credit card processing options exist that better Intuit's GoPayment.
GoPayment is a mobile credit card processing service from Intuit that allows a user to process credit card transactions from an Apple or Android-powered device such as an iPhone or Droid.
GoPayment is consistent with the high rates, bundled pricing and fine print that plague Intuit credit card processing services in general. There are several alternatives to GoPayment that offer lower rates, more transparent pricing, and easier sign up.
GoPayment has added a $0.15 transaction fee to all non-qualified transactions.
See how Intuit's GoPayment service compares to Square, PayPal Here and others using our
Mobile Phone Credit Card Processing Cost Calculator
Rates & Fees
Pricing for Intuit's GoPayment service is far more complicated than the company makes it seem from the pricing table on its Web site. It takes quite a bit of digging through fine print to obtain a total picture of cost.
GoPayment utilizes a form of tiered pricing that allows Intuit to surcharge any transaction that it feels does not qualify for its lowest rate. However, Intuit does not disclose the criteria for specifically determining which types of transactions will be surcharged.
This type of tiered pricing is what makes bait-and-switch tactics possible in the credit card processing industry, and it is best avoided.
GoPayment allows users to choose between two pricing plans. The first plan is called Pay-As-You-Go and is targeted at businesses with sporadic or low processing volume. The second plan is called Pay Monthly & Save and is targeted at higher volume businesses.
The pricing for GoPayment's Pay-As-You-Go option is as follows:
|Visa, MasterCard, Discover "Qualified" Transactions *||2.75%||$0|
|Visa, MasterCard, Discover "Non-Qualified" Transactions||3.75%||$0.15|
|American Express **||2.89% - 3.50%||$0.10 - $0.15|
|Set Up Fee||$0|
* The qualified rate applies only to swiped consumer debit and consumer non-reward credit cards. All keyed transactions and most reward, corporate and special card types will be charged the non-qualified rate of 3.75%.
Keep in mind that most credit card transactions involve a reward-based card. So, the 3.75% rate will apply to the vast majority of credit card transactions, and to all keyed transactions.
** Per Intuit's Terms of Service, a business is consenting to abide by American Express's Card Acceptance Agreement when it opens a GoPayment account. American Express discount rates range from 2.89% to 3.50% with transaction fees of $0.10 to $0.15 depending on business type.
Below is the fine print taken from GoPayment's Web site for the Pay-As-You-Go pricing plan:
Card-Swiped Rate" of 2.75% will be charged on qualified swiped Visa/MC/Discover Network transactions that are electronically authorized. "Key-Entered Rate" of 3.75% will be charged on all qualified manually keyed Visa/MC/Discover Network transactions that have AVS. All Visa/MC/Discover Network transactions that do not meet the requirements stated above, business cards, foreign cards and transactions that do not meet Visa/MC/Discover Network requirements for the best interchange program will be charged a "Non-Qualified Rate" of 3.75%. Different discount rates for American Express may apply.
Pay Monthly & Save
GoPayment's Pay Monthly & Save account allows users to pay a $12.95 monthly fee in exchange for slightly lower rates.
|Visa, MasterCard Discover "Qualified" Transactions *||1.75%||$0|
|Visa, MasterCard Discover "Keyed Qualified" Transactions **||2.75%||$0|
|Visa, MasterCard Discover "Non-Qualified" Transactions ***||3.75%||$0|
|American Express **||2.89% - 3.50%||$0.10 - $0.15|
|Set Up Fee||$0|
|ACH Reject Fee||$25|
The Pay Monthly & Save program has a hidden pricing tier of 3.75% that is only disclosed on Intuit's Web site in the fine print under the pricing table.
* Only swiped non-reward credit and debit transactions will be charged at Intuit's "qualified" 1.75% rate.
** All keyed transactions will fall into either the 2.75% rate or the highest 3.75% rate.
*** Intuit does not disclose the highest 3.75% rate under the Pay Monthly & Save pricing option, but it is referenced in the fine print. The 3.75% rate will apply to all business card, foreign card and interchange EIRF and standard transaction types.
Below is the fine print taken from GoPayment's Web site for the Pay Monthly & Save pricing plan:
Card-Swiped Rate" of 1.75% will be charged on qualified swiped Visa/MC/Discover Network transactions that are electronically authorized. "Key-Entered Rate" of 2.75% will be charged on all qualified manually keyed Visa/MC/Discover Network transactions that have AVS. All Visa/MC/Discover Network transactions that do not meet the requirements stated above, business cards, foreign cards and transactions that do not meet Visa/MC/Discover Network requirements for the best interchange program will be charged a "Non-Qualified Rate" of 3.75%. Different discount rates for American Express may apply.
The following table lists additional charges that apply to the GoPayment processing service that are not clearly listed on the GoPayment Web site. These charges can be found in section 1.14 of the Merchant Agreement.
|Providing Any Documentation||$2.00 per page|
|Checking Account (DDA) Change||$25.00 per change|
|Business Name Change Fee||$75.00 each|
|Third Party Payment Admin Fee||$150* (Intuit may charge a fee to implement legally enforceable requests for payment of Merchant funds to parties other than Merchant, such as tax levies, payments to secured parties or other legally enforceable payment requests of a similar nature.)|
|Voice Authorizations||$0.95 each|
|Voice Authorizations (w/live operator)||$1.75 each|
|Referral Authorizations||$2.00 each|
What You Will Really Pay
Businesses that use Intuit GoPayment should expect to pay an effective rate of 3.25% or more.
Intuit's use of bundled pricing and excessive surcharging will result in higher than expected charges. CardFellow has analyzed countless GoPayment processing statements, and the typical effective rate is between 3.25% - 4.25%, which is significantly higher than Intuit's advertised rates would suggest.
As we have explained in CardFellow’s credit card processing guide, the bundled pricing model that intuit uses allows it to route interchange categories to the pricing tier of its choice. For example, Intuit can choose to route the majority of credit card transactions to higher mid and non-qualified rates, which it typically does.
The following is an actual GoPayment statement provided by a business that used CardFellow’s marketplace to significantly lower its processing cost. As you can see from the highlighted portion of the statement, Intuit routes all credit card volume to mid-qualified (MQUAL) and non-qualified (NQUAL) pricing tiers, which have a rate of 3.75%. So, while Intuit advertises a rate of 2.75%, this rate will not apply to the majority of credit card volume.
Intuit's processing statements use quite a few deceitful tactics, which we have outline in detail in our article about how to read an Intuit statement.
Charges & Refunds
Price isn't the only downfall to the GoPayment service. Daily discounting and intercepted credits are additional considerations.
Intuit uses something called daily discounting to charge fees. This means that it deducts charges associated with the "qualified" rate prior to depositing funds into a business's account. Charges from "non-qualified" rates, monthly fees and transaction fees are deducted at the end of the month.
Aside from stifling cash flow, daily discounting makes reconciling books notoriously difficult.
When a business issues a refund to a customer, the processor gets a credit of the fee paid on the original transactions. This credit is supposed to be passed to the business, but Intuit keeps refunds instead of passing them along. This hidden cost of lost refund credit card refund credits can add up even for businesses that only issue a few refunds a month.
Card Swiper & Compatible Devices
The GoPayment application and card swiper are given away free of charge with a new account.
Supported devices include Apple's iPhone, iPad and iPod Touch running iOS 4.0 or newer, and compatible Android-powered devices running OS 2.1 or newer.
Another drawback to the GoPayment mobile processing service is the sign up process.
GoPayment requires a business to open a traditional merchant account with Intuit Payment Solutions. Applicants must provide a date of birth and social security number so that Intuit can perform a credit check.
GoPayment also requires a full personal guarantee from business principal/owner that grants Intuit the right to "proceed directly against me [the account owner] without first exhausting their remedies against any other person or entity."
Contract & Cancellation
Don't make the mistake of confusing a merchant account contract with a cancellation fee; they are two completely separate things.
The Intuit GoPayment contract does levy a cancellation fee against any business that closes its account in good standing. However, under section 1.15 of the Terms of Service, Intuit will charge a $500 cancellation fee for any account that it closes due to suspected misuse.
Do not open a GoPayment account without first reading the following agreements in their entirety. These are terms that you are agreeing to by processing with Intuit.GoPayment Terms & Agreement
Intuit Merchant Processing Agreement
Despite the opaque pricing and high fees associated with GoPayment, many online reviews of the service give it high marks.
The reason many reviews of GoPayment don’t reflect reality is because Intuit pays the reviewers a commission for referring business its way.
Intuit uses a company called Commission Junction to recruit online marketers. These online marketers, called affiliates, create content that persuades people to sign people up for the GoPayment service. Intuit compensates affiliates by paying a commission in the form of a referral fee for each person that successfully signs up for GoPayment.
So, take overly positive online reviews of GoPayment with a large grain of salt. It’s very likely that the reviewer’s judgment has been clouded by Intuit’s cash incentive for referrals.
For the record, CardFellow is not an affiliate of Intuit.
Alternatives to GoPayment
Many mobile small business credit card processing options exist in today's marketplace, and most have more favorable pricing and terms than Intuit's GoPayment service.
The following solutions all utilize an Apple or Android-powered device to process credit and debit card transactions.
ROAMpay & Traditional Merchant Account
Businesses that are processing $5,000 a month of more should look toward ROAMpay coupled with a competitive traditional merchant account.
The key with this solution is to get a competitive merchant account with interchange plus pricing. The easiest way to find the best interchange plus pricing is to sign up free at CardFellow to receive instant quotes from multiple processors.
Businesses that process sporadically or with monthly volume of $5,000 or less should look toward PayPal Here or Square.
PayPal Here & Square
These two services are very similar in terms of pricing, but PayPal Here provides a true traditional merchant account where Square does not.
PayPal Here also has slightly lower pricing and much better customer service than Square. Check out our PayPal Here and Square Up Review on CardFellow for in depth information on these two mobile processing options.
Please use the form below to post your review of GoPayment. Be be sure to support any claims about your Merchant One with details about your experience. Reviews lacking supporting detail will not be posted.
Worst Mistake Ever
I was very excited to process cards with Intuit as we have been using the QuickBooks Online app and the integration seemed perfect for us.
Unfortunately, I am beginning to think that Intuit is a bit of a scam.
1) They keep harassing us to sign up for their Payroll service, which we have no use for, and there doesn\'t seem to be a way to check a box along the lines of \"stop asking us.\" At some point, we were actually charged $34 for Payroll service, despite never actually signing up for it. We went back to the web site to confirm that it was been cancelled, despite that we never signed up for it in the first place. But you know, they have our billing info….
2) They will randomly review, and hold your deposits and insist that you provide an insane amount of personal information about your customers and the transaction -- THAT WAS NEVER DISPUTED BY THE CUSTOMER IN THE FIRST PLACE. We don\'t personally collect the information that Intuit requested, and when I explained that I would simply like to refund the customer\'s money rather harass them, the Intuit rep walked me through the process and said, \"great, we\'re going to charge your account the full amount of the refund, but you\'re still going to need to provide us that information before we release the funds back to your customer.\"
This is the worst company I have ever dealt with. They kept charging my account even after I cancelled this card reader 10 months ago. BEWARE!!! I am about to call the Better Business Bureau and have my attorney look into this. I wish there was a place for zero stars. If you are thinking about using this card reader, I would think long and hard before ordering it. They will start charging you every month. I only used the card reader twice, and that was last summer. I closed the account and still am getting billed. I finally got a human on the phone a couple of weeks ago that assured me it would be closed and they would reimburse my charges back to me. Never happened. These people should be reported.
Gopayment - Goripoff
This is the worst customer service ever experienced. I was upset and even created a BBB complaint against them for overcharges. Their attitude? I\'m the one who was wrong. In their response -
\"On the Merchant Service Center help page Mr. S located a page that stated American Express transactions would not be subject to a return fee. This information is incorrect and is being fixed by our Compliance team as we have moved to a new sponsoring bank\"
Yeah, even though it was on their \"support page,\" which you are directed to find answers I had to threaten to sue them to get a refund of the returned transaction fees. Through the whole process there was not one time where I felt as a 20 year customer of Intuit that they cared one bit about my problem. Steer clear of gopayment and Intuit !
Horrible (Non-Existent) Customer Service
I would have given negative stars if that was an option. I have been a customer for four years. I chose GoPayment simply because I am a big Intuit Quickbooks fan. I Didn\'t do much research because I figured everyone would be the same. The first time I needed some basic support I was put on hold for over 30 minutes two times in a row and then disconnected both times. I gave up waiting, so I entered my call back phone number on the third attempt and was promised a call back within 10 minutes. That was four days ago. I tried emailing, and an automated response said they would try to look at my email within a few days -- Still nothing. I will be canceling the service as soon as I have time to deal with them. I have no clue how they are in business when they treat customers this poorly. This is the absolute worst customer service experience I\'ve ever had.
Yep, same happened to me!
After my first CC transaction with Intuit I received the email asking for a client invoice. I sent this, and then I received an email that the funds had been deposited into my account. Ten days later, I called and they did not know what the holdup was. After two transfers I talked to a stuttering uncomfortable lady who said that my account was on hold because they do not accept transactions for services related to web hosting or SEO. Even after I confirmed the invoice sent was 100% for computer repair services. They said \"we looked at your website and you provide web hosting so we may have to ask you to find another processing company.\" Be warned, Intuit will pick and choose which transactions they will pay you for after they have your clients’ money. They asked during the registration process what type transactions our company accepts and they gave me an account. Now it has been 11 days without a deposit.
Awful product. Awful service.
Paid 10 bucks for this only for them to deny my application for the app to run this thing. After staying on the phone for hours with a customer service agent, the agent informed me the denial was due to my credit score did not exist and they could do nothing to approve it. I informed them it is not for personal use but for business use. They still refused to help and told me that I could throw away the Intuit.
Worse than Square
Square and Intuit are thieves! They should be jailed for this but somehow they arent. They sell your information to spam calls, hold your money without reason, spam you with hidden fees, and ignore your complaints.
Intuit GoPayment has the worst customer service I have ever encountered
In January I took over as the Executive Director for a non profit. I have been trying since then to get GoPayment to update our account information. It took at least a month before I could get them to define what information was needed. It is now April and I have faxed them increasing amounts of paper and am still not done. Today I got an email saying they needed the signature of the former ED, which was on the material I sent them initially (and have been re-sending with every fax I send them). They get zero stars in my opinion but this blog post is requiring that I give them at least one to submit this post.
Our experience using Intuit\'s credit card processing has been bad. It has poor service, poor communication and ineffective at processing our required transactions. We will find an alternative.
Intuit gets a ZERO!
Intuit has terrible customer service. I have proof they lied. They held my funds for no reason and then stated they sent a email, but they never could provide me with a dated email when requested. Stay away from Intuit -- far away.
Stay away from Intuit Go Payment!
They should receive zero stars! I was charged a huge fee 3 weeks after a transaction because they said the card came back as a rewards card (over $400 extra charged on top of what I was already charged and it was immediately taken out of my checking account without notice to me). As we only do a few large transactions every few months, I let it go and was careful about what cards I was taking while I was looking at my other options, mainly my own bank. I then took a credit card for a little over a thousand dollars and my money was flagged. After a week, even after sending in the invoice and accompanying credit card receipt, GoPayment decided it still wanted 6 months of bank statements because I am only using the account every other month or so. They informed me that every time I use it my transactions would be flagged because it was like I was \"new\" (even though I\'ve been with them for 2 years and been paying $12.95 per month). I told them my business model hadn\'t changed at all since I started using them. They are the ones that decided to change business practices (and greatly increase fees during that time). I told them I was canceling the payment and to close my account.
With the lot of you not saying what your business is, what the sale involved that snagged, I\'m not sure there is any merit to your complaints. My gut tells me if you had an above-board, legitimate business, you\'d say \"I sold Grandma\'s bureau for $600 and can\'t get my money.\" or some such. You take some big credit card payment, and whine that you didn\'t get the money but never say anything on your own behalf about what it was for, but Intuit thinks it\'s suspect? That\'s burying the lead. Innocent people would lead with what the sale was, then proceed to detail the problems collecting the money. Only the guilty start out with \'you can\'t pin nothin\' on me.
Complete disregard for their customers\' livelihood.
Intuit cancelled my account after a year of service simply because of the nature of my business. Imagine how much money you would loose if you were suddenly unable to accept credit card payments. Intuit did\'t care. They are comfortable being completely unreliable and unprofessional.
Every single transaction I\'ve done with GoPayment has required invoices and customer details. I\'ve dealt with my customers in person. I have gone over 15 days with no deposits from GoPayment. Small claims will be on it\'s way to Inuit.
Bad Customer Service
So far I have had nothing but headaches with GoPayment and I\'m a potential new customer. I hate to think what it would be like if I was an existing customer. I signed up, got my CC reader and tested it with a $1 card swipe. It has taken (and the money is still not in the bank yet) 3 weeks from the swipe date to even get a response to my many messages and calls to customer service asking where my money is. I\'m just glad I did a test run and not a big ticket item.
Stay away from this company if you want to see your money and want a company that takes responsibility.
Huge mistake. Don't trust in this company
I made a huge mistake by choosing this company to process my credit/debit cards. I am a Real Estate Broker with a FICO score of 817. After I processed a transaction with one of my foreign customers with a foreign credit card, I was told by Intuit over the phone that I was a high risk business because I processed a foreign credit card for $1,910.07. I explained it was a Management Fee that my client decided to pay me using a credit card, but that didn\'t matter and Intuit closed my account.
I called my overseas client to collect my fee. He forwarded me his credit card statement showing that Intuit charged the amount to his credit card. So, he would not pay me again.
I called Intuit today and I was told they have those funds, but in order to return it to my client he must dispute the charge.
I called my client, and he asked why he should dispute the charge if he paid in good faith.
1) I did not get my money
2) My client lost confidence in my business
4) He was asked to dispute a legitimate transaction
5) I had my account closed
6) Who knows if I will ever collect my fee
If still you want to be a victim of GoPayment and Intuit -- Good Luck.
Bad product , atrocious customer service
I made the mistake of choosing GoPayment to process credit/debit cards at my place of business. The first and only time I used the app it was a nightmare. Like others have stated , Intuit put a hold on my funds and requested several documents from me. I furnished everything they requested and got an email from them letting me know the documents were received. The following day, they sent me another email stating that my funds were being processed to my bank account. I checked with my bank several times afterward and... no money. At this point it\'s been a week, so I decide to call Intuit. Finding the Holy Grail is surely an easier task than locating Intuit\'s \"customer service\" phone number. By the way, it\'s 800-558-9558 (You\'ll need it!). My first call was fielded by a nice enough fellow, but he was zero help. He gave me an extension for the administrative department and told me to call the next day . My second call landed at the desk of the rudest woman I\'ve dealt with in my life. She immediately got defensive when I explained the run-around I\'d experienced and began answering my questions with sharply toned questions of her own. Once again, I was left without any explanation of what was taking them so long about making a simple deposit to my bank after 8 days. I became so frustrated that I told her to cancel my account. She giggled as she told me that it couldn\'t be done until the transaction was completed. If their pace of operations to this point has been any indication, that could be months from now.
Stay away from GoPayment
I signed up for the $0 monthly fee because I do less than $1,000 a month in transactions. I didn't notice until after my first month, that they put me on the $12.95 a month. There are hidden fees with that also. I not only got charged a $12.95 fee plus per transaction fee, but another fee that brought my min. up to $20. Called them and they were so confusing. I said I did not sign up for the $12.95 a month and to reimburse me and switch me over. They refused to reimburse but said they switched me. So, I go on again today and there is another fee for $19 for "daily transaction fee." I have no idea what that is since I was told I would have no other fee than the per transaction fee. Stay away from them.
I have a catering job to shop for this Friday. My customer paid me up front a week ago, and GoPayment still has not deposited my funds. I need this money to buy goods and services to preform this catering job. And yes, you are on hold forever. I had to use my friends cellphone because she has unlimited minutes. Not only have I wasted several hours of precious time, but I also look unprofessional to my customer. I think this place is a scam and holds your money to pay their debt. Apparently, they working with a skeleton crew because of the customer service wait time. I\'m actually on hold with them right now! After this job I\'m cancelling. I have never experienced such mental and physical anguish with any other company, and I\'m 50! I should be shopping for food right now, but no, I\'m tied to my house phone which I\'m sure will go dead soon.
Intuit Stealing your Money Beware of their Unethical Business Practices
I thought I would offer a credit card payment option to my customers, so I signed up with Intuit GoPayment to get a mobile card reader. I received the reader, and it would not swipe cards. I first tested it on my card, so I punched in the number since it wouldn\'t swipe and charged $25.00. The fee goes from 1.75% to 4.2% for keying-in. When signing up I mistakenly put in a wrong deposit account number and wondered where my money was.
weeks went by with no calls or e-mails, so I called them they told me the account # was wrong I fixed it and still I never received the money. I said I wont use it again / wrong I went to a job and the customer paid for a $50.00 service with his card so I took it and ran it though . A couple days later the money was in my account now a month later I did a large 3 tree removal for $2650.00 and ran the customers card.
..... 3 days later I receive an E-Mail telling me Intuit is going to hold my money you read>>>
Your Intuit account includes extensive fraud-prevention services that help protect you and your customers.
Recently, your transactions exceeded our weekly volume expectation for your account. In order to protect your customers, we need to validate your identity and your transactions below. During this review, the funds for the transactions listed below will be delayed.
Date of Transactions: 07/19/2013
Amount Delayed: $2650.00
Holding funds in a case like this is standard practice, but we know that doesn\'t make waiting any easier. The good news is that you can help speed things up.
What you need to do
To help resolve this issue, please send the following documents to us as soon as you can:
1.Copies of all invoices and receipts for the transactions processed on 07/19/2013 that show:
•Cardholder phone number (if you did not swipe the credit card)
•Description of product or service sold
2.Copy of your Drivers License
3.Copy of a recent business utility bill (water, electric, or gas)
4.3 months\' bank statements (for deposit bank account on file)
How to send the information
Send an email to email@example.com and attach all requested documents to the message. Or, fax them to 858-408-2807. Be sure to include case number 112561514.
The faster you send this information, the faster we can investigate and release your funds. If you choose not to respond, you can expect your funds to be released in about 30 days.
We understand that delays are painful and will do our best to settle this issue quickly.
Intuit Risk Management
800-558-9558 x 69955
Hours of Operation: 8 a.m. - 4 p.m. PST
If you receive an email message that appears to come from Intuit but that you suspect is a phishing email, please forward it without alteration to firstname.lastname@example.org. Please visit security.intuit.com for additional security information.
Sounds like I am going to be the victim of Identity Theft , its been 3 e-mails and a week later one E-Mail said my money is being transferred and the next asked for my documents again. I don\'t know when I will get the Money . I wont wait much longer and Ill call my customer and have him dispute the charge to recover the money, Sincerely I\'ve been duped!! don\'t you make the same mistake stay away from Intuit GoPayment
Intuit Taking Your Money & Not Taking Responsibility!
Please read this before using this product!
1. You wait on hold for at least 10 minutes or more every time you call.
2. Customer Service is ridiculous. No service, just liars. They write false things on your \"file.\"
Here is my personal experience.
I used GoPayment for about a year. I don\'t work for myself anymore and became employed. So, I called Customer Service to cancel my account. Eight complete months go by when I noticed a charge on my bank account for $12.95. I called my bank to figure out what the charge was, and I was told the charge was from Intuit. They had been charging me $12.95 every month for eight months.
So, I call Customer Service... holding forever. I talked to a representative that told me there is no record of me cancelling my account. So I say, fine, well look at my account and you will see that I have not used it since September when I said I called and cancelled. He looks, and indeed I have not used my account since September. He then tells me that he would pass my request on to the manager and that I would get a refund in a few days, and then he pretty much tried to hang up. I said, \"Hold on\" and asked if I could get a number, or if I would get a phone call about the refund. He said, \"you\'ll just know when the money is credited to your account.\"
It has been 3 weeks since that phone call, and I didn\'t see the money credited, so I call today. It turns out there was money credited back a few days after the phone call, but for only $38.95. The new representative tells me that I agreed to a 3 months refund. This is a flat out lie! I never agreed to that. I was just told that I would be getting a refund. I tell the new representative that, and he tells me he\'s \"...not going to step on the other guy\'s toes.\" I tell him I\'m supposed to be getting about a hundred dollars. I proceed to say, \"well, if there is nothing else you can do, then okay.\" He says, \"let me see...\" and puts me on hold for another 10 minutes. He did apologize for the wait, but then tells me his manager said they are going to stick with the $38.95, and that we should share responsibility for the account.
How about you refund me every penny that you charged me that I didn\'t use the account. And since it seems from reading many reviews and my own experience, your files don\'t always tell the truth about what is going on in these phone calls. I cancelled my account and I want my money back.
This was a horrible experience, and probably the worst experience I have had with customer service. I will be letting all of my entrepreneur friends know to NOT use GoPayment.
Do not use GoPayment. They will take your money and run!
Beware - Do Not Use GoPayment
I have tiny seasonal business, and after researching processing options I found Intuit GoPayment. In my opinion, this company is in the business of taking your customer\'s money and holding it for weeks or months. Do not use GoPayment. In fact, I will never ever use any service by Intuit. See below for an outline of my experience.
- April 05, 2013 4:41 PM - I attempted to Charge $4010.00 and the transaction was declined. So, I called my customer and asked him to provide a different credit card. My customer indicated that there was nothing wrong with his card, and said he would contact his credit card company to get it resolved. About an hour later my customer asked me to try charging his card again.
- Apr 05, 2013 5:37 PM - I tried to Charge the account online using their (I have a voice authorization code). During the call intuit made a call to my customer to confirm the charge and I was provided a voice authorization code number.
*I did not receive any phone call or confirmation via e-mail that the card was successfully received.
*2 days later when I checked my back account, the funds were no where to be found. I did not received any e-mail from them to confirm where the money was.
* So I called gopayment 800-558-9558 .They indicated that the funds will be released within approximately 2 business days. However, they indicated that the payment was not released to me because of some missing information. \"FYI, THEY DID NOT CALL OR E-MAIL ME REGARDING THIS). I just found out about this when I called on the 8th of April 2013.
*April 8, 2013 4:27 PM Still not funds released to my account. As per gopayment request, I send the invoice they requested and received a e-mail in that they have received the invoice. I was informed that it should take 2 days after this to have the funds released.
Approximately a week from April 8 2013, I did not received any response. So I called again and another concerned occurred. They indicated that the address did not match. Therefore, I obtain the correct address from my customer and provided it to them. Then they indicated over the phone that the funds should be released within 2 days again.
* at least a couple weeks from April 8 2013 - Still the funds was not released. So I called them and this time, they want to have a shipping tracking number. The products already arrived to my client\'s location before I even charged the account and I have no tracking number since it was send via regular postal mail from international location and I did not use UPS or Fedex to save money. After at least 30 minutes to an hour long of conversation, the lady decided that my account was a high risk? Now, what in the world when this is my first transaction and my customer gave the authorization himself to charge the card.
- After explaining to her the situation, she strongly said \"Mamm, we will not release these funds to you because your account is a high risk\" and we are giving you the opportunity to revise the funds and we will not close your account. She indicated that it will take 2 days for the funds to go back to my customer\'s account... After she said that, I finally had it so I revised the funds.
* A few days after speaking to gopayment. Still NO FUNDS was revised to my customer\'s credit account!!!!!!!!! And my customer got furious when I ask them for a different mode of payment. I did not know that my customer did not receive the reversal yet.
* I drove from Virginia to South Carolina to get this resolved and in order to provide prove customer that I did revise the payment.
- With my customer on my side, I called gopayment and spoke to a man first and eventually got transferred to a lady \"who can help me\". It toke at least 30 minutes to an hour for them to get their act together. I explained that I have already revised the payment on the 26th of April 26, 2013 and until now it is not posted to my customer\'s credit card.
\"After a prolong hold and back and forth conversation, the gopayment representative indicated that either I can have my customer dispute the charge! or she will revise the payment of $4010.00 and completely ignored what I told her that I have already ask a reversion for this payment back in April 26, 2012. She did not even explain what happen to the reversion submitted on April 26, 2012 that is still currently showing on my account.
Today, April 26, 2013 I requested for them to revise the $4010.00 again and send it to my customer\'s credit card. This time, I made them send me a confirmation. On the phone, the lady Ms. Revira, indicated it will take 3 to 5 business days. But on the e-mail, She indicated 2 to 7 business days. \" Information that was given to me even charged in a matter of minutes.\"
Read the terms of service before signing up! Get ready to get tons of spam and junk calls. The terms literally give Intuit full license to release your information to anybody it wants. You see, they sell your info and make money on you, too.
Intuit GoPayment Ripoff
I installed GoPayment by Intuit with the hope of providing my customers another payment option. I was very happy with the first few transactions. Things went smoothly and the money was deposited to our bank account the next day.
About 3 weeks in we had a transaction not post for 3 days. I called Intuit Merchant Services and was told that 2 - 3 days was the normal processing time.
Finally, we submitted a payment and after 3 days the money was not in our bank account. I called Intuit and was told they were investigating that transaction. We were never notified of any problem. Apparently they were happy to take the money, sit on it in their account and not tell us of a problem.
I was told we would have to submit a lot of additional information (which I did not have) and in 30 days they would let us know if we could have our money. I called my customer and asked him for the information I needed. He offered to just write me a check, which I accepted. I then went to Intuit website and canceled that transaction.
Imagine my surprise when 2 days later I was billed $20.59 for this transaction which Intuit never processed.
My bank advised me that they have had many folks with similar issues with Intuit and were happy to reverse the
Subsequently I was