North Payments Customer Reviews

I own a company in northwest Ohio, and I North American Bancard for my credit card processing for over a decade, then in January of 2023 they had an online breach. They blamed me for their own incompetence ( i have emails that prove they were breached, not me) and kept over $10,000.00 of my money processed thru their company. Then they stalled for over 6 months with the excuse of an investigation that was just a cover story I found out for them to steal my money. I hired an attorney, but in their fine print-legal action can only be done in the state of Georgia. I cut all business ties with them immediately. Now almost a year later their collections department has been harassing about fictitious money I supposedly owe them. No one should ever use this company for anything, they are a dishonest, deceitful and a predatory bank processing company. It is no wonder that this terribly run company has only a single star rating and over 240 complaints in the last 12 months.

Be careful with this scammer North American Bancard their sales people will make you think that you hit a jackpot with them lies and never mentioned anything about termination fees after I decided to close the account from getting tired of calling every month to take off the extra charges not aware of it not to mention the time I wasted to get those fees off one of them $150 upgrades fee without my permission

North American Bancard is by far the most disgusting and disrespectful company I have ever dealt with my entire life. I wish I have read these reviews before I got stuck with them. They opened and approved the application after their agent called us and promised us lower rates, two weeks later, they closed the account and held over $70,000 for 120 days for possible chargebacks. Worst of all of that, they charge our bank account for every chargeback while holding $70. Also, they don’t let us refund any customers or cancel any orders telling us that let the customers dispute the charges.

Finally, they are charging us for two payment gateways Authoriz.net and NMI gateway while we were using only NMI gateway.

Anyone who got scammed by this company, please file a complaint with the CFPB and they will forward it to the FTC.

This company is a scam, it took me weeks to get approved, the asked for everything about my business and finally approved me, after 10 days the closed my account telling that they can not work with my business. Why did you approve me at first place? Now they held $8k, they said will review my request to get my money after 180 days.

Don’t be stupid and work with them.

BEWARE OF THESE CON ARTISTS: This “bank” is the biggest joke and fraud business I have ever had the displeasure of dealing with. After speaking to Regina Foster from Michigan multiple times I realized I was going to get no where with all of the excuses she kept giving me for not refunding any of my money for an account I NEVER used, opened and closed the same day in 2019 and have multiple proofs of. We will be seeking a lawyer and will never stop pursuing this until it is resolved. I will continue to warn people on multiple business platforms in regards to this.

Worst company I ever dealt with. We sold the business June 2022 due to 2 lost of children. Cancel this in October as they still are charging us fees through our bank. Multiple calls has been done. Charged a ridiculous fees 4 times more in December 2022. We have not had business with them since last June of 2022. Today they still would not close the account had to speak to my husband as I put him on the phone today still would not closed the account . Said we own $105 to close after I paid it already . Fees are not what we agreed on. During Covid they hood over $12500 in their account did not pay us for two months and sure did not tell us about it. Rude supervisors. No customer service Recommend Evalon with Costco as Costco stand behind it. Much better service. Now I might have to close the business account as I have enough to do. I’m complaining to the goverment now. Hopefully they can straighten them out in hidden fees. Also will contact an attorney. I am not going to pay them as I do not own them a dime. Is called exportation from small business owner who has been struggling through Covid to top it off. Still struggling.

Very bad experience. They promised to come to tow my car, but they didn’t. I waited them roughly 6 hours and had to cancel my order. They didn’t refund my money.

My contract is 4 pages. That I signed and initialed all 4 of them. The paper you sent me section 1.14 that you mentioned I have a 3 yr contract and my contract does not say anything about a 3 yr contract.

If your company charges me $295 for cancellation you will get a big lawsuit. There is no initial and signature on those 14 pages that you sent me. I have the email from your company that there is no such thing as 3 yr contract.1.14 General Fees. Additional fees specific to each service offering are set forth in the Pricing Schedule section of the Merchant Application. If no per transaction fee is specified, AXP transactions will be subject to the same communications fee as VISA/Mastercard/Discover, specified on the Merchant Application. Different discount rates and other fees may apply to different types of Card transactions. For example, a “Qualified Discount Rate” will be charged on certain types of Card transactions, including without limitation, swiped cards on which the full magnetic stripe has been read; a higher “Mid-Qualified Discount Rate” will be charged on other types of Card transactions, including without limitation, keyed cards at retail locations or keyed cards with valid AVS response and order number for “card not present” transactions; and a higher “Non-Qualified Discount Rate” will be charged on other types of Card transactions, including without limitation, Business, Corporate, or Purchase cards (collectively, “Commercial Cards”), International, or Government cards, keyed cards where AVS is not present or missing any of the required data elements, batches not closed within one calendar day of transaction, all rewards cards as defined by the card issuers, and any PreAuthorized sale that is not processed/captured within 7 business days. Merchant is encouraged to review certain of these additional rates and fees as set forth on the Merchant Application. Certain Commercial Card transactions may benefit from lower interchange rates if certain information is passed to the Card Networks at the time of the Card transaction. Merchant may at any time opt to provide such additional information directly to the Servicers as part of the Card transaction and may recognize the entire interchange rate savings. In the event that Merchant fails to provide such additional information to the Card Networks, Merchant hereby authorizes and directs Servicers to provide such additional information to the applicable Card Networks, on Merchant’s behalf, in order to permit the qualification of such transactions for any available discounted interchange rate programs offered by the applicable Card Networks. The Servicers may provide a portion of these interchange rate reduction savings to Merchant, and Merchant can calculate such amount through a review of its monthly statement. A Merchant is billed a transaction fee each time communication is made with the host. This fee is assigned by the Agent or sales representative at the time Merchant submits its Merchant Application. Merchant is required to annually validate PCI DSS compliance, with the initial validation required to be completed within ninety (90) days of the effective date of the Agreement. After such date, Merchant may be charged a fee (based on the equipment Merchant uses) in accordance with Agent’s PCI Plus Program, which is subject to change at Agent’s sole discretion, to offset the costs associated with maintaining compliance with PCI DSS and other governmental and regulatory requirements. Merchant may also be required to pay an Early Termination Fee as fully set forth in Section 1.16 below. Furthermore, Merchant may also be assessed a fee in connection with enrollment into the Payments Hub, as fully set forth in Section 6.01. Additional charges that may occur from time to time include Chargeback fees, re-presentment fees and retrieval fees. A monthly minimum fee will be deducted unless Merchant has met its minimum processing volume. The standard delivery method for monthly statements is in an electronic, online version that will be generated each month and located on the Merchant Portal. SERVICERS MAY MODIFY ALL FEES PAYABLE BY MERCHANT UNDER THIS AGREEMENT, INCLUDING THOSE DETAILED IN THE MERCHANT APPLICATION AND ANY SEPARATE SCHEDULE OF FEES, OR INTRODUCE NEW FEES, IN EACH CASE BY PROVIDING NOTICE TO MERCHANT OF CHANGES TO SUCH FEES; provided, however, that a minimum of thirty (30) days advance notice will be provided to Merchant in the case of any fee increase or introduction of a new fee related to Mastercard and Maestro, and in such event Merchant will have the right to terminate Mastercard or Maestro acceptance under this Agreement within ninety (90) days of receiving notice of such fee increase or introduction of a new fee. Notwithstanding the foregoing, this termination right as to Mastercard acceptance will not apply to any fee increase made in accordance with a pre-determined fee schedule included in this Agreement.

I wish we have never used this company, now they are calling us asking why we stopped using them. We couldn’t use the terminal for 3 days. The deposits weren’t correct, we lost thousands of dollars that weekend and we are still trying to send the equipment back.

Do not walk – RUN – from NAB or any of their other names (Authorize.net, paymentshub)

This/these company/ies are nothing but fraud top to bottom. We used Authorize.net in 2014 and 2015. Yep, you read that right – we haven’t used their services since 2015. But we have spent 5 months in 2022 sending them letter after letter advising them to finally cancel our accounts. We had to pay our bank to put a stop-pay on our accounts so that they couldn’t ACH us anymore. And this is all while DOING NO WORK FOR US. We have not used them in years! Round one was a notarized letter sent certified mail to cancel X specific merchant ID and any other merchant IDs associated with our business name or tax ID. 3 months later – they attempt to bill us again. I call them and this is for *different* merchant IDs! So they get re-sent the notarized letter and today they called someone’s cell phone who hasn’t worked for us since 2015 saying they were collecting a debt. You do not want any part of the hell we have been through with these crooks.

I most certainly will participate in a lawsuit. They debited my bank account 7 months after closing my account for $1900. Stating the machines were not returned. My bank returned the money snd blocked the account to North American debits. Today 18 months after closing my account they tried again to debit $2000. which my bank blocked. It’s a total scam. Avoid North American Bankcard

I am leaving this review for both TMS, North American Bancard (Owner of PaymentsHub) and their reselling partner Payment cloud because they have all proven to be in on the FRAUD and I’m 0 certain that their plans throughout the Pandemic is to frustrate small business owners.

Therefore if you are looking for a new merchant account, Make sure you RUN as fast as you can away from PaymentCloud and their processing partners TMS (North American Bancard) They also own PaymentsHub.com, so as soon as you see any of those names, DO NOT GO FURTHER, I REPEAT DO NOT GO ANY FURTHER, else you will live to regret that decision.

I will be taking it upon myself for the next 90Days to leave a review daily for both companies because that is how much time i have waited after the 90days for my reserve funds held by TMS to be released, yet they are still holding on to it, Why….? I no longer have the same business address and since i lost my accomodation, TMS and PaymentCloud have refused to have my check sent to an alternate address after 4days of them first initially accepting to have my check sent to an alternate address which i provided them and waited for NOTHING.

Mind you, they were supposed to put this funds in my Bank Account, but that itself is impossibble because when they signed me up for a merchant account, My bank wanted a pre-notification, and so deposits from TMS were returend. I requested to have my bank account changed with TMS/PaymentsHUB/PaymentsCloud, even filled out a form for the changes to be processed but TMS/PaymentsHUB/PaymentsCloud did not do nothing about it, They claimed i alone can change it from the PaymentsHub protal which i tired to do, but then again, their system will not send me a CODE to my phone for verification.

More than 2weeks they did not do anything to make these changes, I was already being harassed by my customers, i had to ask that they request a chargeback via their banks which they did. Some got their funds withdrawn from my bank account.

Fast forward, TMS/PaymentsHUB/PaymentsCloud Closed my account and gave a 90days period for chargebacks to be paid back which has noW become 180days on 23rd May 2022 and they are still HOLDING to my reserve funding for their own negligence to fix my Merchant account.

Their Reviews on Yelp, google, reddit and other review pages will guide you accordingly, too bad i came across them late, would have never attempted it.

I work in the healthcare field. I have been a loyal customer to North American Bancard since March of 2012. I decided to close my account for personal reasons on January 31, 2022. A representative by the name of Mayra was the one who closed the account via telephone. I asked her if I needed to return the equipment back, she said no. Fast forward to May 3, 2022 (3 months later) I check my business account and notice a charge for the amount of $895. I call NAB and spoke to 3 different reps (Jack, Angel, Cece) at different times. Finally, getting an answer that apparently you were suppose to return the equipment back no later than 10 days after the account was closed. Had Mayra told me to do that in the first place I would have gladly done so in the first place. In speaking to Cece, she claims that she spoked to me early Feb about the equipment needing to be returned. However, I do not recall ever speaking to her and about returning any type of equipment. As we all know every conversation is recorded. So I asked her if we could pull up the recordings to our conversation on the phone that day in order to review and see if this was indeed correct. She stated she could not and that it was only for in house use. She and all the rest of the reps told me to get a hold of an agent Sandor S Krizsan (agent @Total Merchant Services) via phone. I probably called him about 30 times. He never picks up or returns my calls. I have attempted to give back the equipment but apparently they’re more concerned about the $895.

We had an account NAB up to 2018. We closed our business and returned the equipment. We found a debt reported on our credit report in 2022 saying we owed them $350. We contacted the collection agency via certified letter disputing the claim. We heard nothing. We contacted NAB directly and was able to verify our act was closed and internal error caused the continued billing of monthly fees. We requested a screen shot of this info, which they did send. We sent it to the collection agency and still had no resolution. We contacted NAB again and was finally able to speak with someone who said the could clean it up, they said they would send an email to verify the account was cleaned. As of this review we still have not received any email and my credit score has gone fro an 800 to low 600s and they could Care less.

Find another source for your merchant services needs.

Allan Dube

North American bancard are ripping people off ! they have hit me twice through lies and cheats to the amount of around 1700 to 1800 dollars and then they have the balls to send it to collections and say that I owe then 1700 dollars after they have literally stolen money from my bank account after they said this deal would never take money out it would only put it in when I use there machine which I never used and they took money out for fee’s they said they didn’t have! they are crooks and thieves! CROOKS AND THIEVES!!!!!!!!!!

WORST COMPANY EVER…STAY AWAY FROM THEM. THEY SEND ME A MACHINE THAT DID NOT WORK TOOK IT OFF AND THEM THEY HAD A BUNCH OF HIDDING FEES.

This company is a joke. Charges fees and tells you that it is the person you joined with and they have to fix it. Then when you go to cancel they tell you they have all these other fees that you will have to pay before you can leave. Very unsatisfied never really wanted that company and wasn’t told that they charged fees for 36 months. The are a very untrust worthy company.

North American Bancard dba payment hub closed my account for now reason placed my name on a bad merchant list keeping me from getting a new processor and is holding about 30k of my money its been 5 months since they canceled my account and still have my money I see a lawsuit coming soon

I have funds held by y’all for 4 weeks and still no reply.Worst company ever I am a small tire shop and the have held 1800.00 for a month now I have called every week and still no depoisits

Somehow my business has made over 200K in the last two years but our bank account doesn’t show it.

I’m paying 20k in year in processing fees and I feel like I’m being robbed.

Bringing my accounts to a lawyer Monday morning.

PLEASE listen to these reviews. I have absolutely zero doubt that they’re 100% true. I HATE THIS COMPANY SO SO SO MUCH. I’ve been in business for YEARS. This was met backup processor because I plan on ramping up sales soon. So I used them for 3 days just to establish some trust, and I processed about $4,000. I HAVENT GOTTEN A SINGLE PENNY OF IT. They’re holding my funds for I DONT EVEN KNOW WHY. So I sent them every document under the sun. NOTHING. I call them LITERALLY every single day to check on the status of my account review and it makes me want to die. Absolute garbage company.

So my customers have my inventory. North American Bancard has my money. The ONLY thing they’ve done for me is take $15 for BS fees. I would forfeit my $4,000 just for the opportunity to slap the owners in the face ONCE.

IT’s worse than PayPal. I mean it. At least PayPal will shut your account down and give you your money in like 60 days or something.

Just don’t work with these people.

I closed my small business in 2016, It is 2021. I already sent the equipment years ago. I paid one debt collector around 2017 and in theory it was the last payment.

I just received another email from another debt collector when they had not provide me any service.

I do not recommend them at all. Stat away!

North American Bancard is by far the worst company to use! They hold funds for 120 days and they take money from your checking account for no reason. After I called my bank they put a stop payment on them withdrawing. They told me until I let them take money out, they will not deposit my funds. They even asked to speak with my client to verify the transaction. They spoke with my client. How do you think that makes me look?

I have tried for a month now to get these ppl to update my banking information. I uploaded the request I faxed the request only to get only one of my MID accounts updated. Ironically it was the account that had no funds from sales in it.. But the account that does have funds from sales on hold does not get updated. After calls, tickets put in for escalation I get an email telling me my bank is an LLC but my account with them is a sole proprietor so they cannot update my account. Which makes no since at all when my name is on my business banking account along with my business name.. and it’s the same banking they updated on the mother MID account! I had to shut my website down due to not being able to process orders! I’ve requested to closed both the accounts I just can’t bear one more thing with this company!!!

BEWARE OF THEIR RATES AND CANCELLATION PROCESS! After being a client for 3 years I noticed my rates had been increasing all the time. I decided to switch credit card processor and requested the cancellation of Bancard services. Due to a technicality in the sneaky cancellation process they have, they did not close my account and continue charging my bank account for 5 months! I ended losing about $600 between “basic fees”, “compliance fees” and “regulatory fees” of a service I stopped using in mid-September. I tried to appeal to their common sense, ethics, and honesty to no avail. Would never use their services. I must say their representatives were very courteous but firm in their decision not to give back any cent!

Do not engage in any business with this company all the reviews that are posted are correct. The A rating is also a lie fir those that have experienced these nightmares are leaving if you are still doing business with NothAmerican Bank Card please listen to the reviews and leave quicklya

The exact same thing happened to me I sent back my machines and after 6 months they sent collections on me without sending me any notice from north American Bancard. The collections guy told me to just pay 2475.00 for my machines and it would be over so I did now two years later another collection company now wants me to pay up these guys are crooks.

TOTAL, ABSOLUTE, COMPLETE RIPOFF. Their sales agent, Amie Hobock, told us that there would be no charges unless someone used it to pay their rent, in which case all charges would be charged to the tenant. NO ONE EVER DID, and in the few instances where we tried to use their equipment. IT NEVER WORKED. So we assumed we were not being charged. I figured that Ms. Hobock would eventually pick up the equipment. Now I know why. THEY LIED TO US when they said there were no charges to us. THESE CROOKS WERE SIPHONING OFF CHARGES FOR TWO MACHINES even though we had only one that NEVER WORKED. If you enjoy being ripped off by crooks and thieves, North American Bancard is for you!