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Channel: Comments on: Merchant Lynx Services Review: Fees, Complaints & Lawsuits
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By: John

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How are there no comments on this company? I have dealt with this company and can say that Philip is right on the mark on this one. Hidden fees out the wazoo, and their termination fee is actually around $600-700. I have taken credit cards since the late 90′s up till now and have never had a multi-year contract. All my processors that I had dealt with, up to Merchant Lynx Services, had offered me a month to month, no termination fee. Merchant Lynx Services also promised me the same, to match whatever offer I had prior to Lynx. But, my addendum was “lost” and they requested that I pay upwards to around $1600-2000 to leave them (termination fees+lost monthly fees which were undisclosed.) I tricked my salesman Joel Cardonick and got him to do a three way call to Merchant Lynx Services customer service. I told him that I was just checking on my account and needed his expertise in closing them. I got him, on record, to state that another addendum existed that stated that I was on a month to month contract with no termination fee. The rep told him to find the addendum and fax it, otherwise I was to be held to the terms with a termination fee. Needless to say, I never heard back from Joel or Lynx, when I would try to contact Joel, no one would pickup. Also, whenever their reps called you, their business numbers were always blocked. I have received notices from them about a few weeks after this incident, stating that they will, essentially, attack my credit if I do not pay them. I will tell you, if my credit is harmed, I will litigate and have more of a reason to do so after their illegal actions.

Their promise to the BBB a few years ago, stated that they would disclose all terms of the contract, and follow up with their customers, to ensure satisfaction. They did not do this and I doubt they ever had. There are so many blogs about this company I lost count. And I have now took it upon myself to go after them personally, with the help of a couple State Attorney Generals and plan to bring about federal and state criminal charges against them.

There is more to this story, but I will not bore you with all the details, all of which have been forwarded to law enforcement. If you have been contacted by this company or have done business with them, be vigilant, document everything, and be especially suspicious when it comes to the contract and the behavior of their sales staff.


By: sandy ahart

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This company has more complaints than you are aware of; many having to do with employee pay and the company’s flagrant failure to pay employees, especially after they have quit. One of the manager’s, [name omitted], is a disgusting pig who should be in jail for fraud. Don’t walk, run away from this company as fast as you can when they come calling.

By: Marietta Business

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Merchant Lynx and First Data are bad companies to deal with. Merchant Lync came into my business
and promised lower rates and a free credit card machine. Two weeks after starting with them I received notice in the mail that I had a 48 month lease of $79.95 a month which i never signed up for. I cancelled immediately and went back to credit card company I had been using. This was in 2007. I had to stop payments thru bank several times but did get them to stop and I never paid them anything. I was turned over to collection agency and they sold to another collection agency and now I am going to court with local attorneys who buy bad collection debts. They are saying I owe $7000.00 but settle for $5000.00. They produced contract that had my inititals on it. I had initialed a one time charge of $79.95. The salesman added the 48 months after he left my office. I am going to court because this is wrong. I will be going to court on April 30. This is so wrong.

By: Linda Robinson

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Case was dismissed because if was fraud committed by Merchant Lynx and First Data.

By: Keith Elliott

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Merchant Lynx Services has more hidden cost in the program than ever. would not recomend any company use this credit card prosser!!!! I have filled a complant with the bbb.

By: Phillip Parker

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Hi Keith,

What “hidden fees” did you experience?

By: Michael

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Outright lying and deceit. If you sign with this company you just have to hope you don’t go out of business because there will be a surprise waiting for you in the form of a lease termination fee. How the Pan Gregorian group that is suppose to be looking out for and trying to get good deals for restaurants can endorse this company makes me wonder what kind of payoffs are going on there. I’m sick one a representative of this company stepped into my store.

By: Phillip Parker

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Hi Michael,

Can you elaborate on your experience. Simply accusing a company of deceit isn’t very helpful for other merchants or for when we update the review.


By: Jacob

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I have been trying to get away of merchant lynx for over a year and still have not been able to. They opened additional accounts I did not approved, been charging my checking account on additional fees, checking service fees and other issues.

Never completely settled our compalint with BBB and now I still have to deal with the fact they will not reinburse all money;s owed.

Pass it over, never do business with this people.

By: Jason Pack

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This company is horrible. As noted in the comments above they have hidden charges, misrepresented lease agreements. There really is no working with this company. If you are looking for a merchant… go somewhere else.

By: Eddie Kania

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Phillip,
I was a victim of deceit also. Specifically, they set up 2 accounts for me, one for swiped cards, another for keyed cards, I only signed up for 1 account. The Customer Service rep aslo informed me that there was a steep termination fee if I terminated before 3 years. This was a one sentence blurb buried in 3 pages of fine print which I didn’t have time to read while the sales rep pressured me to sign, and I had customers waiting for me. No one should be scammed for months, when I received my 1st statement, I closed my bank account and they couldn’t withdraw any more funds. Don’t be fooled by these scam artists.

By: Pawel Hanczaruk

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Merchant Lynx services was the worst business decision I ever made. The sles rep that walked in my door blatantly lied to my face. She gave me a break down of all this money I was going to save by switching, I didn’t save anything. The one time fees became monthly fees, and you have to fight to remove them. The “easily transferable” lease I am still paying for three years after selling my business. It was a very frustrating experience that put a bad taste in my mouth. I advise any one to do your homework when considering merchant services, and stay away from this company.

By: Jmichael

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Same thing happened to my business.. Peter Rhee was the sales scammer.. Showed us in writing on paper he took with him how we woud save with their processing fees. He even suggested he could lower our rates to make up for the cost to replace our owned equipment with his equipment.. We owned our equipment and they showed up with two mismatching used units and TOOK our old units with them.. Then the free credit card processors turned into a 48 months lease costing us over 4500.00 for the term.. .. To make a long story short I filed an afidavit of forgery and then closed my bank account.. I presented the forgery document to the collections agency and they said they could not collect on my debt if the contract with First Data was signed on a Merchant Linx contract. I presented the forged contract that was filled in after we left and the collection agency sent the debt back to Merchant Linx and no other collector bought the case..

By: Julie Swanson

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We just had a salesman come in and get my husband and I to sign up with Merchant Lynx. He told me on the phone and in person to my husband that there is NO Contract and now we have a lease with the credit card machine company that my husband did not sign for. He forged his initials afterwards. I am trying to figure out how to get out of it. I already put a complaint into the BBB. I am waiting for a call from their office in NY which I will most likely not get. I am thinking of changing bank accts which is a PITA but I don’t want to have money taken out for the machine. It is such a scam and I am going to get to the bottom of it. There are so many complaints online about them. I am pissed!!! Any other suggestions??

By: Phillip

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Hi Julie, This article may prove helpful: <a href="http://www.cardpaymentoptions.com/credit-card-processing/cancelling-a-merchant-account-without-paying-a-fee/" rel="nofollow">Cancelling a Merchant Account Without Paying a Fee</a>

By: Julie Swanson

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I just wanted to give everyone a short update. Merchant Lynx called me and told me they closed my account and waived my early termination fee. I am so happy! If you want more info, please let me know. The complaint with the BBB did help I think to get this situation resolved so do that first if you haven’t.

By: Jay

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Be careful about this company. We signed credit card terminal lease; lease clearly stated 36 months and after 36 months we owned terminal. After 36 months, I was told by Merchant lynx that it is not true. What a rip off. How can I file a law suit in small court against this company. I have everything in writing. Please help.

By: Lori

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WORST company I have ever dealt with. I’ve only been with them since December 2013, but it has been a nightmare. The only month the fees were as stated in my contract were the first month. Since then, they have overcharged every month. There are add on fees that were not agreed to and are not in writing anywhere. When I speak to the sales rep (look up slickster in the dictionary and you’ll see his pic) he promises me I will get a call from corporate to fix everything. Weekly calls to him and nothing back from corporate. If you call the toll free number on the statement it’s only a call center. They don’t have authorization to refund fees, although the can see our contract and know that I am being overcharged. BE WARNED – STAY AWAY FROM THESE FRAUDS!

By: Julie

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As of today, I believe Merchant Lynx owns me $4,154.65 in overcharges for my two business locations. I was double charged for PCI fees and annual fees. I was told it would be refunded. It was not. I was sent wireless terminals which I told them I did not want. I sent them back and continue to be charged for them. The company that provided our online ordering cancelled the service, I was told by Merchant Lynx that they would not charge me a cancellation fee as I was continuing to use them in my stores; they charged me $495/location. I was charged fees for 5 months of service which they did not provide while I was still using my old credit card provider. I talked/emailed my contact at Merchant Lynx and he has refused to respond to these claims. I asked for a copy of my contract, which I didn’t remember signing; I was sent the contracts-the signatures are not mine nor is my address mine. My attorney sent them a letter outlining the problems/overcharging to which they refuse to reply. I have since switched to another credit card processor but continue to be charged by Merchant Lynx. I have filed a complaint with the Attorney General, will follow up with a complaint to the BBB and will go with all the other options listed on this website under “How to Report Bad Credit Card Processors”.

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By: B Ryan

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This company charges way too much for processing. They charged me a $159 annual fee in December after I dropped the company in august. They charged me a PCI compliance fee in May of $159. The new company only charges $30 for PCI and no annual fee. When I called Merchant Lynx to ask for a better processing rate they raised my rates. Do not do business with these people.

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