| Country | United States |
| State | New York |
| City | Melville |
| Address | 515 Broadhollow Rd |
| Phone | 1.888.440.8472 |
| Website | http://www.optimalbankcard.com/ |
Beware of Optimal Bankcard and the national scam they currently have where you will receive a call from somebody offering you lower rates on your card payment transactions....YOU WILL REGRET IT!! I suggest you DO YOUR HOMEWORK ON THIS COMPANY AND ITS ALIAS COMMERCE PAYMENT SYSTEMS...if you don't believe the THOUSANDS OF OTHER MERCHANTS WHO GOT ROBBED, then your on your own. I don't usually post on these sites but I felt it was a must to warn others who may fall for this scam.
I recieved a call from Bill who promised me lower rates by changing my processors from Leaders Merchant Services to his company Optimal Bankcard (who is really Commerce Payments) with the promise of lower rates, no contracts, and fee equipment...instead once I provided them by bank account information which was so they could deposit my funds the next day....all hell broke loose. I didn't receive my funds for 3-5 days (make sure you confirm next day finding with a manager, the sales agent will tell you anything to get your information) but $249.51 was deducted from my bank account less than 10 days after plugging in the dirty, used machine they sent...when I called to find out why I was told to read the 6 page application I signed (only 2 pages was sent to me) and those fees were justified...I asked why it took so long to receive my money...and was told only some businesses get approved for next day deposits and that is only approved by the boss David Deavers...and he felt my bagel store was too risky a business to get my deposits in less than 4 days. I tried to cancel but in order to do so the free used machine they provided must be sent back otherwise I was stuck paying $899 for it...i plugged Leaders Merchant Services terminal back in to use while I waited 2 months for them to pick up the terminal in which time over $1600 was taken from my account. I will never be fooled again. I'm sticking w my current company
I received numerous emails from Optimal Bankcard about my business credit card machine, and how they GUARANTEE TO SAVE ME 50% OFF MY FEES, but after signing up with them I paid no less than 50% MORE!! When I called to find out what happened the person who manipulated me by feeding me lies was never available, after leaving 4 messages (none being returned) I called the 800 number on the box, which is another company COMMERCE PAYMENT SYSTEMS, who rudely told me to read the agreement and emailed me a form to fill out before being allowed to cancel from these crooks....2 months after filling out and returning the form my account is still open, deducting $174 whenever they feel like it out of my bank account and getting the run around for no less than 40 minutes each time I call before being hung up on!!!
SAVE YOURSELF THE MONEY AND STRESS BY NOT BEING SCAMMED BY THEM!!!
Optimal Bankcardpromised to save me money on my electronic sales,instead charged me 7%!! The savings cost me 5% more than my original processing company. How is this company still allowed to practice business?
Do not trust this company!! I signed up with Steven from Optimal Bankcard after receiving a call from a telemarketer (who I later found out was an immate serving time for sexual assault, these are the experts contacting you)!who gurarenteed my company would save money by switching from first data to Optimal Bankcard. I send in my processing statement and was shown how 20% would be reduced. After showing me their placement on bestpaymentprocessors.com (another lie, as I found out by simply googling the site the only other top company was Evolution Bankcard... Who is really Commerce Payment Systems was the ONLY other "top" ranked processor, I recommend searching that name online) by calling the 3rd listed company LEADERS MERCHANT SERVICES on the site who themselves say the site is a scam.
WELL I LEARNED MY LESSON SINCE I WAS CHARGED $247.62 FOR NEVER ACTUALLY STARTING WITH THEM!!!!
when I called customer service I received EVO PAYMENTS, who told me I must speak to COMMERCE PAYMENT SYSTEMS to request refund????
finally speaking to whatever company they were I was told the fees were on my agreement, which had shown my initials were signed electrically without me seeing these pages by clicking on the first page of the application Steven emailed me.
I hope one they all end up in the center my initial call came from....PRISON
Do not trust this company!! i signed up with steven from optimal bankcard after receiving a call from a telemarketer Who i later found out was an immate serving time for sexual assault, these are the experts contacting you)!who gurarenteed my company would save money by switching from first data to optimal bankcard. I send in my processing statement and was shown how 20% would be reduced. After showing me their placement on bestpaymentprocessors.com Another lie, as i found out by simply googling the site the only other top company was evolution bankcard... Who is really commerce payment systems was the only other "top" ranked processor, i recommend searching that name online) by calling the 3rd listed company leaders merchant services on the site who themselves say the site is a scam.
Well i learned my lesson since i was charged $247.62 for never actually starting with them!!!!
When i called customer service i received evo payments, who told me i must speak to commerce payment systems to request refund???
Finally speaking to whatever company they were i was told the fees were on my agreement, which had shown my initials were signed electrically without me seeing these pages by clicking on the first page of the application steven emailed me.
I hope one they all end up in the center my initial call came from...Prison
They tell you that there less than anyone else and there charge is nly 1.69% which is total B.S. they never tell you about the other charges of 2.67% on top of the 1.69% for service charges. Stay Away and dont believe the lies, trust me just stick with square or any logical place with no hidden fees
This company is the worst. The sales rep claims they have been in business for 20+ years but the website was only created 5 months ago?? Anyway they use the lure of saving merchants money to gain access to checking account information (they claim is needed to deposit your credit card processing sales) but use it to drain thousands of dollars from your business bank account. They are located at the same address as COMMERCE PAYMENT SYSTEMS, 1465 Broadway, Hewlett NY BEWARE IF YOU RECIEVE THIS CALL CONTACT YOUR LOCAL LAW ENFORCEMENT
Do not trust these companies with any of your business or personal checking account info they will steal from you same as they did to me and hundreds of others (Google search Commerce Payment Systems, I wish I had before trusting them). I received a call from Todd who after numerous conversations on how my business would save money on my credit and debit card sales persuaded me to hear out his supervisor to Review my current deal with my bank to see if I was getting a fair deal at no cost. The lady who "helped" me was very good and showed me how I could save 30% by TRYING OUT HER COMPANY RISK FREE, without canceling with my bank. WORST MISTAKE I EVER MADE because after providing my checking account information so my sales could be deposited I was CHARGED OVER $279.00 TWO DAYS AFTER GIVING MY INFO!! When I called she assured me a mistake had been made, and transfered me to her supervisor who fed me the same BS as her. NO REFUND WAS MADE INSTEAD ANOTHER $127 was deducted 6 days later. I called back only to be placed on hold for 30 minutes, so I called back...waiting 16 minutes to be disconnected, and finally after numerous calls reached a Manuel, who explained my agreement authorized all charges and I could not cancel until the machine they shipped out was returned. After another $341 was stolen from my account I closed that bank account. STILL NO MACHINE EVER ARRIVED!!! WHAT A SCAM!!
Do not trust this company!! I signed up with Steven from Optimal Bankcard after receiving a call from a telemarketer (who I later found out was an immate serving time for sexual assault, these are the experts contacting you)!who gurarenteed my company would save money by switching from first data to Optimal Bankcard. I send in my processing statement and was shown how 20% would be reduced. After showing me their placement on bestpaymentprocessors.com (another lie, as I found out by simply googling the site the only other top company was Evolution Bankcard... Who is really Commerce Payment Systems was the ONLY other "top" ranked processor, I recommend searching that name online) by calling the 3rd listed company LEADERS MERCHANT SERVICES on the site who themselves say the site is a scam.
WELL I LEARNED MY LESSON SINCE I WAS CHARGED $247.62 FOR NEVER ACTUALLY STARTING WITH THEM!!!!
when I called customer service I received EVO PAYMENTS, who told me I must speak to COMMERCE PAYMENT SYSTEMS to request refund????
finally speaking to whatever company they were I was told the fees were on my agreement, which had shown my initials were signed electrically without me seeing these pages by clicking on the first page of the application Steven emailed me.
I hope one they all end up in the center my initial call came from....PRISON