Enhanced Payment Systems
Reviews and Complaints

has been the ONLY merchant services representative that stayed in touch with the me after I signed up. EVERY SINGLE OTHER REP DISAPPEARED AFTER THE *** He is very knowledgeable about the business, and will take the time to explain things clearly and simply. *** is diligent in getting issues resolved and keeping me updated as to the outcome. He will call me on Saturday and Sunday if I am working an event just to make sure everything is working as it is expected. I could not run my business as effectively with any other representative. *** is a fantastic representative for any company!

Terrible service from the start. Sales person gave inaccurate data, was very difficult to contact, didn't return call or emails, didn't receive emails they said were coming. I eventually cancelled and went back to previous processor. Then Enhanced continued to deduct funds (a different amount every month) from my account monthly. I attempted to get charges reversed. They sent statements that I owe for the charges I was able to get my bank to reverse. It's taken hours and multiple phone calls to get to customer service. Thankfully they said they are processing refund for the $700.00. I hope to see that soon.

BEWARE OF *** COMPANY! Their sales representatives will lie to you while they sneak in a 48 month non cancel equipment rental contract at $94.51 per month for their cheap $179.00 terminal. I have been in business for over 40 years and have never seen such a scam. When I called to cancel the contract I was told " Take us to court. You WILL lose." Their 2 sales people stated that the contract could be canceled any time and that Enhanced Payments would pay the lease payments. Blatant liars! Enhanced employee 'AJ' called me and spoke like a mob boss from *** with nothing but threats. Avoid this company like the plague!

I've had some really bad service in the past so I was very cautious when approached by one of the reps last year. Everybody claims they are the best. Everyone says they have the best rates. Enhanced actually delivered on their promises. They actually came in and educated me on what everything means...then they came back to go over my first statement literally the day after I received it. Who does that? No-one has ever done that for me before. I finally understand what I am reading on these crazy statements. They made it so simple. I have definitely found the best. I couldn't be happier with the service, support, and pricing.

I own a convenience store for the last 8 years. I had the same credit card terminal since I opened, just switched from the previous owner. This lady walks in and tells me my rates are too high and shows me a contract that will lower my cost. I don't write reviews but the switch to the wholesale platform did lower my cost and there's no doubt about that. More important my rates have not gone up and it's been 14 months now. I'm writing this because I referred my brother who bought a full service car wash in May and Enhanced Payment Systems had the service up and running when he walked in on his first day. Mike, you owe me for saving you big bucks in the long run.

AJ and his team do what they need to do to keep us as happy customers. I have been at my company for a year and whenever I have questions or an issue, AJ is my go-to person and he always gets the answers I need. He is welcoming of my call and we have developed a great rapport. I know his voice when he calls me, he doesn't even have to say who he is. When I call him, he will assist me directly, or will assign me to a team member. He follows up with me when it's a team member helping. He makes me feel comfortable calling and asking for assistance and he always finds the right answers or corrects whatever issue there is. The company, through AJ, has done a great job at customer service.

This company is a complete con. They failed to close the account when asked on three occasions, and every time I called, a person with the same voice (gravelly, New York accent, male) claimed to be someone else and claimed ignorance. The name most used is AJ ***. He was who I initially spoke to and was told he would close the account. Our last call ended with him denying we spoke and me agreeing to him keeping months of fees for zero service, because we moved our service, and waiving 395 for early termination, rather than returning the 307 in fees for zero service and charging the termination fee. Those were his take it or leave it terms. Run from this company, as fast as you can.

I love my new blue tooth chip reader! So cool, and my clients love it as well. Wonderful working with this company. I did my homework on this credit card processing company prior to doing business with them...It apereas they have way more good reviews then most. You know how it goes...If a company or individual is satisfied then you never hear a word from them. On the other hand if someone is dissatisfied then they will go out of their way to get revenge and discredit there name. I believe that is unfair...I decided on giving them a chance. Now that I have I'm thankful with the service and results! I highly recommend them. Not only have I saved money every month, but I can get a hold of someone 24/7 365 days a year when I have a concern or problem. Bement tax services

I have a home base business and received a call from Enhanced that I quailfied for better processing rates. I was working with Square at the time and my rate was 4.2. Enhanced sent out Dwayne *** he promised to cut my bill in half. I was very leary about changing because I was ripped off many times by crooked sales people. Talking to Dwayne he came across as very honest he was a Marine and I was too. He also took the time helping me take stock off a truck because my helper didn't come in that day. I recently got hit with PCI and Annual fee charges. I called Dwayne he he took me to call Anthony M. Anthony was very helpful not only did he reimburse the charges, helped me with PCI he also reduced my charges lower than how I was first setup. I recommend 2 friends to Dwayne and they are happy too.

I would AVOID this company at all costs. They sold me on the idea that everyone was going to a 4% flat fee for all transactions that the client would pay and all i would be left with is the cost of the equipment. In order to do this they offered me a flat $325 a month payment. In order to get that cost I was forced to lie to Ascentium capital, their leasing company, and tell them I needed 4 processors, when I only need one. when I told them I only needed 1 machine, the ascentium rep said, thats not what the contract is for and told me to contact Enhanced. when I told the Enhanced rep what was said, his comment was, "No, you need to tell them you need 4 machines" After 8 months of paying for processors, they finally changed the 4% back to normal rates. I would like to add, that I was already using their services before this contract, which I was fine with, it just the fact that they broke their own contract to write a new one and ripped me off in the process.

My issue is with the equipment lease they embed into the contract. Although they use a third party company called ***, there isn't a separate contract for the equipment lease. They tell you they are month to month, but what they don't tell you is but your equipment is leased and you are stuck for 4 years. If you wish to cancel early, you still owe the same amount as if you kept it for the entire term. This isn't an excuse I should have paid closer attention. But when a high pressure sales person is sitting in your office having you sign everything, you aren't reading as carefully as you should. I will never make this mistake again. Paying $4,000 for 3 little cheap mobile card readers with the the worst phone app ever. I didn't even get a nice POS system. I could have used existing readers that I had from a prior provider and avoided this STEEP price. They are obviously preying on unsuspecting business owners to just sign away and not look at it. Buyer beware and know that you don't have to lease anything.

I DO NOT RECOMMEND THIS COMPANY AT ALL! I was looking for a flat fee and the salesperson Samuel said they do have a flat rate of 1.5-1.8%. Also, Samuel informed me that there are no monthly fees and termination fees. After the enrollment, I spoke with Tatiana on 2/25 at 2:37 pm to reconfirmed my flat rate. Tatiana said transaction fee is 2.9% + .30cent per each transaction with Visa, Discover, and Master for domestic credit card and 2.9%+1.5%+.30cent per transaction for an international credit card. I got totally wrong information from Samuel therefore, I told Tatiana to reconfirm with Samuel and get back to me but, no response. So, I decided to cancel my merchant right away due to fraud. I think I canceled 4days after my account was opened. But, the Enhanced processing company keeps sending me a letter that my account is canceled so they keep sending me a large bill. This issue is got to occur from your Salesman Samuel with incorrect information. YOU NEED TO FINALIZE WITH YOUR SALESMAN SAMUEL! SO, DO NOT SEND ME A TERMINATION BILL TO ME ANYMORE!

In January I was approached by Enhanced Payment Systems about taking over my credit processing service. They promised to reduce my monthly fees by up to 50%. They assured me they could integrate my POS seamlessly at no cost to me. I filled out the necessary paperwork and gave a blank check with my account info which us standard procedure in order to deposit payments into my account. They underestimated the cost of integrating my POS and informed me they would not be able to do business with me. That should have been the end of it. However, they began debiting monthly service fees from my checking account monthly, even though we never had an account opened. When I finally was able to reach someone concerning the issue, a man named AJ is whom i spoke with. He was incredibly unprofessional, but managed to return the fee with an assurance it would not happen again. Month after month it continued to happen, and each time resulted in another phone call to AJ. Finally, in May, AJ did manage to close the account. I was then charged a $395 Early Termination Fee for an account that was never open. At that point AJ told me it was standard procedure and "Since I am no longer a customer, he did not have to help me." I then reached out to Ernest ***. He bounced me back and forth to other people whom all told me he was the only person who could fix the problem. After more attempts to reach him he told me he would block my number if i kept calling. I then emailed him to which he finally agreed to refund my money and apologized for the inconvenience. 2 weeks later, the company has no record of any request to return my funds and Mr. is unreachable. I feel that they have effectively stolen my money and will be reaching out to the Federal Trade Commision.

During the onboarding process, I worked with a colleague. As we navigated automated phone systems, he expressed frustration about language selection prompts. He felt as an American, he shouldn't need to select English. I found his comments offensive and halted the onboarding. He called back angrily, but I refused further communication. He emailed me a cancellation form, which I returned on 4/28, expecting a shipping label for a card reader. Months later, I was still being billed. He claimed they lacked my email for the label, despite our email history. After confronting him, he partially refunded me and promised the label. The billing continued until I blocked charges at my bank. Then, they sent the label. I've withheld the card reader pending a full refund. They've billed me $349.50 and sent my account to collections over a $67.40 fee. This ordeal began because my colleague didn't want to select English on a phone system. I'm sharing this to caution others against this company.

Blatant Lie after Lie! Save yourself the frustration and money and go sign up with anyone else! Their salesman, Ryan ***, promised me no contract, no PCI fees, no annual fees, low wholesale rates, and two POS systems for my two locations for a combined price of $99, (not each, combined for the two of them). I received the first POS, a Clover system, and began processing at my first location beginning of Jan. 2019. Then, I was set to open the second location and had not received the second POS system in the middle of January. Last minute Ryan sends over paperwork and it has a term of 48 months on it. I point it out and he says it is just a formality, I won't be held to it. (I know, my bad). The POS system, a Clover, finally arrived the day we opened, so we had to delay to the next day to get inventory added and set up. Then the charges started happening. I reach out to Ryan and leave message after message, finally he answers, tells me he no longer works for them, and says that he was told to say whatever to get the sell. I contacted Enhanced Payments to tell them that nothing was happening like I had signed and agreed to in our original contract. I was being charged PCI fees on both accounts, paying for both systems $99 each +tax, and also being charged the Clover customer service support fees for both for $39.95 each a month that they hadn't disclosed as part of the contract. There was also an additional charge being taken from my account every month that began when I switched to processing with them. So five charges every month from my account, 2 charges for each lease, 2 charges for processing fees for each location, and a third anonymous fee attributed to ACH Merch Bankcard. AJ did tell me he could handle the PCI fees, but basically told me that it was too bad I signed the contract. He was supposed to get back to me about the other complaints, but nothing. In Jan. of 2020 I closed my first location and because what I had originally agreed to was no contract, I contacted Enhanced payments in February and asked them about closing it. AJ told me again that I had signed the lease contract, but he did stop the processing. In August I called the bank about the other extra random charge that had now been taken from my account for 14 or more months. They could only tell me it was NPC and a random number that had no way to leave a message. I reached out to my current processing companies as well as past ones to see if they were responsible for the charge, all denied any knowledge. I then called Enhanced Payments to see if they knew what it was. They asked me to send a bank statement showing the ID info attached to the charge, which I did that same day. I also called AJ directly and asked if he knew what it was, he said he would look into it and get back to me. He suggested it was something I had signed up for on my own, even though I told him it coincided with when I switched to using them. At the end of September, I reached out to the leasing company for the Clover I had at the first location, the one I closed in January. I spoke to an agent with their ethics department and he took my information. I sent him a copy of the original sales contract I signed the first day I met with Ryan. A few days later, they sent me copies of contracts that had information scribbled out and you could tell a different pen had been used. I pointed that out and sent it back. I waited to hear. Meanwhile, I reach out to AJ again about the extra charge and he asks me to send over my statement again showing the charge. (I forwarded the original one I had already sent to Enhanced payment to him directly) He says he will get back to me. October arrives and it is getting close to the time that the payment is going to get drawn again(the 8th), so I call AJ again (6th) and tell him I'm going to call the bank and have them stop payment because I never heard anything from him. He says he thinks that's best. So, I stopped payment and was charged a fee for doing so. Next day he calls me to tell me he has closed the account. I ask who or what it was, and he doesn't want to answer me, just wants me to know he closed it. (He does eventually mention that it is with Worldpay) Then he goes off on me about defaulting on my lease when he says I gave my word I would pay it in February. I explain to him that I haven't defaulted my lease, I have paid it every month since it started even though I wasn't supposed to have a contract, and that I had reported to FDGL's ethics department my complaint but hadn't heard anything. He tells me they closed the account and I tell him, this is the first I had heard of it. Six days later, I received an email stating they had closed the lease. They closed it, not me. Next day I call AJ again wanting information about the closed account, because it doesn't add up. I leave him a voice mail asking how he was able to close an account he accused me of setting up. Which was it? I wasted several hours of my day calling Worldpay and they can't find any information on me. He leaves me a voicemail the next day, but I wasn't able to call him back till a few days later. I ask him for the merchant ID, and after telling me I'm wasting his time and I won't get my money back, the account is closed, and all kinds of crappy customer service, he gives me a bogus merchant number. I call Worldpay back and they can't find anything. I call AJ back and he starts berating me again. Tells me I'm ungrateful and he might call back and have them start charging me again. He asks me to repeat the ID and then tells me I have it wrong. Gives me another, similar number, one number different. I call Worldpay, again, nothing! Today I call back hoping to speak with another agent to get answers, AJ answers and I hang up. He calls me back and asks what I want. I tell him I want to speak to another agent, he won't let me. Tells me again that I'm wasting his time. Treats me like I'm an idiot, eventually lets me talk to Tatiana, but as I explain the situation, she transfers me back to AJ. He has all these long silent pauses as I'm talking to him. I am trying to be so nice, saying that we must have our wires crossed. If he thinks he has given me the correct information, and I have contacted Worldpay so many times and they have no record, then maybe he has a contact he can give me to help me get this resolved. I tell him I would like to have proof of the payments I have made for the past 18 months. He tells me I have proof on my bank statements. I tell him I want record of what I was paying for. Eventually, he asks me to read the merchant number to him again, and tells me again, that I have it wrong! He then tells it to me again, slightly different, adds a number back in. I tell him that I will contact Worldpay again, but ask if it comes up empty again, what will he do to help me. He says it won't be wrong, so if it is right, I never need to talk to him or his agents again and can quit wasting his time. I call Worldpay again, and amazingly, the merchant number now matches. I request statements and talk to a service rep. who has all my information correct, except my email, and can't tell me what email she has on my account. She says I have opted out of receiving statements either by email or a physical copy. I explain that I never set up this account, have no record of it and only found out about it a few days ago. She also tells me the account was requested to be closed on October 1st (a week before AJ told me he had closed it and before I had stopped payment at the bank), and asked if I had requested that. I told her no.. again I just found out about it. I am still looking for resolution for this situation. I can't get around AJ. He has repeatedly lied to me and tried to cover his tracks while trying to turn the tables on me. If you value your time and money, do business somewhere else.

I have called multiple times spoke with multiple people all promising to return my call but as of yet this has not been resolved. This is in reference to overcharging us for services of about 9.4% when we are suppose to be only charged $5 monthly service charge and a rate of 3% I am requesting a refund for the overages. Please contact me with resolution or I will purse this further & file a complaint with the BBB. Please call me back at [protected] ASAP. Elias Kaadan