Maverick Payments Recenzje 151

STOP PLAYING GOD!

I normally never write reviews, but after everything that happened I think other business owners should know what dealing with Maverick Payments can actually look like.

I was originally brought to Maverick through a partner " Ben Miller, Harry Kanoi ( Profilic Payments AKA my2kidsllc ) who handled my onboarding. At that time I was completely transparent about my business and my plans. I run a travel business, and how later i was rebuilding my entire website and relaunching my brand. I told their partner very clearly that during the development phase my processing volume would drop because the product was being rebuilt, but once the platform launched and marketing started, bookings would naturally increase again. This was discussed many times.

Their partner knew everything. I explained the entire strategy to him — the development stage, the relaunch, the marketing campaigns, and that once the website started working properly again the processing would go up.

I even asked him multiple times if I should open another merchant account as a backup through my own chase bank. His answer every single time was no. He kept saying Maverick is reliable, Maverick will support you, you don’t need another processor, just route your processing through them. So I trusted that advice and integrated Maverick directly into my website as my primary processor.

Then the moment my website relaunched and the business started picking up again, that partner disappeared. Completely. No explanation, no support, nothing. Just vanished.

That person was the only one who actually knew the entire story of my business and the plan behind it. Once he disappeared, Maverick suddenly started treating my account like none of that background ever existed. There was no mediator anymore. The merchant was left alone to deal with everything.

That’s when the restrictions started.

First it was discussions about reserves. Then limits. Then increased reserves. Then monitoring. Then sudden holds. Every time my business started gaining momentum, another restriction would appear.

It honestly started feeling like Maverick was playing god with my business.

Now imagine the processor charging transaction fees per transaction, monthly fee and then holding a large percentage of the total payment in reserve. It becomes mathematically impossible to run a business like that.

What made it even more confusing was the inconsistency. When my processing volume was over $150,000 there was never any discussion about me being some major risk. But later when my business stabilized and I was only asking to process around $50,000 a month, suddenly I was treated like a financial threat.

It makes absolutely no sense.

Another frustrating part is how they treat what their partners say. Their partner was the one who told me not to get another processor and assured me Maverick would support my growth. When that partner disappeared, Maverick basically acted like those conversations never happened and the merchant is left facing all the consequences.

That is not how a serious payment provider should operate.

The biggest mistake I made was trusting a single processor. I relied on Maverick because of the assurances given during onboarding and because they were integrated directly into my website. That left my business in a very vulnerable position.

No serious online business should ever rely on maverick.

Payment processors should be partners that help businesses grow while managing risk responsibly. What I experienced instead felt like constant moving goalposts — reserves, limits, holds — every time the business started performing better.

At some point it starts to feel like you are working for the processor instead of the processor working for you.

If you are considering Maverick, my advice is simple: never rely on them no matter what their partners promise you.

One final thing that has been very disappointing is the tone of the support itself. What should feel like professional merchant support often feels more like pressure and intimidation. Instead of helping a business find workable solutions, the communication sometimes comes across as threatening, as if a stranded merchant can simply be squeezed further with more restrictions.

At this point I would not even be surprised if after writing this review my account faces termination or even more restrictions. But merchants deserve to know the reality of what can happen once you are fully dependent on a single processor.

I truly hope Maverick improves how they handle merchant relationships in the future. But based on my experience, I cannot recommend them to businesses that need stability and predictable payment processing.

Thank you, Bryce, for all your help. Zen Payments was on top of my issue more so than the bank. Bravo for your help and always reaching to make sure I was happy with your services.

Processed with Maverick (through Zen Payments) for over a year with no issues. One transaction went through outside our approved range, triggered a risk review, and they froze every dollar on February 9th.

These were settled transactions for fully delivered digital products. Instant delivery. Zero open disputes. Zero chargebacks pending. They seized 100% of our revenue and called it a "reserve."

We called every single day for 9 days trying to escalate. Support is ticket-only, responses take days, nobody with authority will get on a phone. On day 9 they told us they're keeping the money.

When we asked them to cite the contract provision allowing this, they couldn't. Instead they put provably false statements in writing — called our one-time purchases a "subscription model" and our instant delivery "extended delivery."

That written response is now an exhibit in every filing.

We're preparing to file complaints with the CFPB, FTC, California Attorney General, Texas Attorney General, and BBB.

We've also identified and are preparing to complain to all five of Maverick's sponsor banks directly regarding their ISO's conduct under their banking licenses.

We're consulting legal counsel on breach of contract, conversion of funds, and California's implied covenant of good faith and fair dealing.

We're documenting everything for arbitration under their own contract's Section 39.

To anyone reading this who Maverick is also holding funds from — file a complaint immediately with your state Attorney General. They're required to respond within 15 days. The more complaints on record, the faster this becomes a pattern that regulators can't ignore.

I see other reviewers here discussing a class action. We're interested in connecting.

I wish I had read these reviews before signing up. Don't make the same mistake. This company will process your transactions happily until the day they decide to keep your money — and then dare you to do something about it.

We're doing something about it.

I signed up with Goat Payments who apparently- eventually tied me in with Maverick, I had no idea until I realized they were holding my funds. I learned yesterday that they were holding 70K of my money and when I questioned Goat, they said they needed updated bank statements since my processing volume went up. I sent them immediately and they upped my monthly volume in their system. Then Gypsie (real name) from Maverick said they will hold my 70K as reserves. No explanation, no reason. Ive been a great Goat customer for many years, have always been in compliance, low charge backs etc. I tried for quite some time to get my funds released yesterday, they put you on hold and do nothing.
They will now FAFO.

If I could do negative 5 stars I would. I run a brand new tattoo shop which is hard to get off the ground as it is. Zenpay has been nothing but problems. They pride themselves on "we don't hold funds" " for high risk businesses" etc. yet today is January 23 and jan 8th I made my first transaction with this company. Not only have I not been paid for it I've had several fees taken from processing my payments. Today I was informed, (they will no longer be processing my payments and will be holding my funds for 30 days) This is incredibly insane. I cannot pay my employees what they worked hard for and I run a business where we sell a service, without my artists I have a building of nothingness and a debt to the artists I've lost for this terrible mistake in using zenpay! When I called to ask why they were holding my funds as there are no discrepancies in the payments, (zenpay actually took it upon themselves to call a customer and harass them about their tattoo they got!) they sent me over to maverick who then informed me I am not a "high risk" business to them yet my transactions are too "risky" (these are their words) to fund and they no longer want to do business with me and I will have to wait for 30 days before they can REVIEW MY ACCOUNT AGAIN and see if hey can pay me! Do not use zenpay they hold money and close accounts it's what they're known for I hope you see this before you sign on with them because I didn't look for warning I am where I am now.

Read the other reviews, these people are not lying. This company is almost like a scam.

Never do business with these people.
We initially agreed to a 10% reserve held for 90 days. After the 90 days passed, they failed to release the funds and are now effectively holding the money indefinitely.

No Apple Pay, No Google Pay Either.

This has been an extremely frustrating and unacceptable experience.

I just put in a request to close my account with them. There are other options that are better, not scammy.

Our time with Maverick was defined by one thing: total unpredictability. In our experience, a 100% hold could drop out of nowhere, cutting off access to every dollar we earned. There’s nothing more infuriating than trying to run a company while wondering if your processor is actually going to pay you.

I signed up with these guys and was approved for $50K in monthly billing, with a $10K max per ticket. I followed every rule to the letter -- every single client signed a service agreement before being billed. Despite that, they withheld $30K of my money for three months, only releasing $10K per month, which left me covering costs out of my own pocket.

It gets worse: they actually contacted my clients and said, "Don't you think that's a lot for marketing?" This sabotaged my sales, cost my sales team their commissions, and damaged client trust. Now, five months later, they're still holding funds.

If you want a payment processor that actually supports your business, call or email me and I'll point you in the right direction. Avoid these guys unless you want your business -- and your clients -- to lose money.

Don’t go with them. They will cheat you with rate

They have been incredibly great to deal with. I can get things done quickly 24/7 even Holidays.
All departments-support, technical, underwriting, etc are super responsive

They will shut you down without any reason and hold your funds hostage

Everything about this company is wrong, they dont allow you to speak to anyone when they decide to place holds on your account, they take weeks and weeks to unlock your account. They literally are worse than stripe and square who they claim on their videos are SO BAD, for ALWAYS LOCKING YOUR ACCOUNT. But that's exactly what this TERRIBLE COMPANY DOES! They closed our account because they "couldnt verify if the transactions that we processed were legit" when we provided them the exact same contact information that we use to contact these clients and they said "oh none of them got back to us when we tried to reach out to them" when I asked the specific clients that they requested information for why they hadn't reached out to the bank in regards to their inquiry. They all said the same thing "noone called me" so they like to lie as well. Now they're holding 1800 dollars of ours for months and months "to protect against chargebacks" but the only chargeback we've gotten we won. AFTER the account was closed because were a small business and cant afford to foot the bill for a month for every single client and the services they all want, while maverick lies to us over and over and over telling us our account will be unlocked in a day or two and they repeat that lie twenty times, so of course we exhaust our savings paying for our clients services because we stupidly trusted them and kept taking payments, but our account was closed for "risk" despite the fact that the one single chargeback we got we won. Once the account was closed we instructed our clients to perform chargebacks, because maverick likes to lie and play games and tell you one thing and do another. So we initited 3 chargebacks once the account was closed and specifically responded in our response for those chargebacks that we requested those chargebacks to be processed and agreeed that the client was owed the money. Stay as far as you can away from these guys, they like games and lies. They're literally still holding 1800 of ours from months and months ago.

Same issue with all of the other negative reviews. We processed payments then they shut our account off and held onto the funds. Our customers are pissed and I have instructed all of them to file a complaint with the CPFB and FTC against this company. It is not right what they are doing to merchants.

I want to preface this with, before this specific scenario, we've not had any problems with these guys. The absolute and only reason why I am posting this is because for some reason now, they refuse to respond. I opened another ticket yesterday, and asked for follow up, AND I GOT A RESPONSE, the response was to follow (The ticket number) for updates on the scenario. So they're able to respond to my new ticket to tell me to watch the other ticket, but noone is able to respond to my original ticket for a week? Nothing, no response whatesoever. We've been with this company for about a month. They have this habit of holding your funds (Just like stripe and square) except LONGER and WITH NO CONTACT. This time around, it's now been 7 days, since they've been holding the entirety of our funds. NOT A SINGLE PERSON HAS CALLED, EMAILED, TEXT, NOTHING. And it's been 7 days since they began holding our funds. In what world is it acceptable for a company to hold your cash flow unexpectedly and despite DAILY EMAILS, and several calls, NOT A SINGLE PERSON HAS REACHED OUT. I had promised our client that we would complete here services on saturday, but I wasn't able to do that because Maverick deicded to hold her money and not say anything AT ALL, the only way I found out the money was being held, was when the deposit didn't arrive. By then, it's friday morning and less than 24 hours to my clients services and we don't have the money to pay the contractor because maverick decided to screw us and NOT EVEN TELL US. NOT EVEN CALL, NOTHING. I'll be searching for another payment processor. In no world should it be acceptablte for a company to hold the entirety of your cash flow AND NOT SAY A SINGLE THING TO YOU, FOR YOU TO FIND OUT WHEN YOU GO TO MAKE A PAYMENT AND YOU SEE THE MONEY WASN'T DEPOSITED, THEN WHEN YOU TRY TO CONTACT THEM THROUGH CALLS, TICKETS, EMAILS, NOT A SINGLE PERSON RESPONDS IN OVER A WEEK. Completely unproffesional. luis@drewslegal

***UPDATE*** YOUR RESPONSE IS UNTRUE. Completely untrue, You guys have risk people there over the weekend, i called twice and the reps said there was "reduced staff" but someone was available. ALSO, you lie and state that you reached out to me on the 27th and THAT COULDNT BE FATHER FROM THE TRUTH. YOU "REACHING OUT" WAS YOU GUYS REQUESTING INFORMATION ON A TICKET .... THAT YOU HID .... THAT I COULDN'T EVEN SEE ... I ONLY KNEW THAT A TICKET EXISTED BUT KNEW NOTHING OF THE CONTENTS OF THE TICKET, WHEN I LOGGED INTO MY ACCOUNT, THERE WAS NO TICKET AS REFERENCED IN THE NOTIFICATION EMAIL THAT A NEW TICKET HAD BEEN OPENED (A NEW TICKET BEING OPENED, IM SUPPOSED TO GUESS WHAT THAT MEANS?) SO NOONE REACHING OUT , IF YOU CALL SENDING A TICKET THAT YOU'VE HIDDEN AND THAT I'M NOT EVEN ABLE TO SEE, "REACHING OUT" THAT LEAVES FAR MORE TO BE DESIRED. IF YOU ACTUALLY DID SOME RESEARCH YOU WOULD SEE THAT I EVEN CALLED ON SATURDAY AGAIN ASKING WHY OUR DEPOSIT WASN'T MADE AND TELLING THE REP THAT I HAD AN EMAIL FOR A TICKET BUT DONT KNOW WHAT IT IS AND HAVE NEVER BEEN ABLE TO SEE THAT TICKET, AND SHE SAID , "ILL TELL YOU WHAT ITS FOR, PLEASE SEND (THE REQUESTED DOCUMENTS) ,,... AND SHE SAID "SINCE YOU CAN'T VIEW THE TICKET THEY'RE REQUESTING DOCUMENTS FROM YOU IN, GO AHEAD AND PUT THE DOCUMENTS IN THE TICKET YOU STARTED "rEALLY?" AND THEN WHEN YOU GET EVERYTHING IN THAT TICKET CALL ME BACK AND ILL ESCALATE THAT TICKET TO RISK. AND YOU'LL ALSO SEE IN THE TICKET THAT I SENT YOU GUYS THE DOCUMENTS THAT YOU REQUESTED , I SPECIFICALLY STATE, SINCE I CANNOT SEE THIS "TICKET YOU GUYS SENT" THE REP TOLD ME TO SEND SOME DOCUMENTS IN THIS TICKET.

I SPOKE WITH JOSE I THINK HIS NAME WAS YESTERDAY AND HE TOOK RESPONSIBLITY FOR THE ERROR, AND ADMITTED IT MUST HAVE JUST BEEN BAD TIMING AND ASSURED ME THAT THIS TYPE OF THING DOESN'T USUALLY HAPPEN. AND I UNDERSTAND THAT MISTAKES HAPPEN. BUT YOUR BLATANT LIE AND REFUSAL TO ACCEPT RESPONSIBILITY FOR ACTIONS, THEN LYING IN PUBLIC VIEW ABOUT YOUR MISTAKE MAKES ME SERIOUSLY QUESTION YOUR INTEGRITY. EVERYONE MESSES UP, EVERYONE, WE ALL MAKE MISTAKES AND WE ALL JUST NEED TO LEARN FROM THEM. BUT YOU STAND HERE, CONTRADICTING THE CONVERSATION I HAD WITH THE MANAGER YESTERDAY, AND BLATANTLY SHOVING OFF RESPONSIBLITY ONTO ME, WHEN IT WAS 100000% NOT MY DECISION THAT NOONE CONTACTED ME AND IT WAS ALSO 1000% YOUR GUYS' ERROR TO REQUEST DOCUMENTS IN A TICKET THAT YOU DONT EVEN ALLOW ME TO SEE.

As a telehealth provider, we had a highly negative experience with Maverick Payments. They banned our account without any notice or chargebacks, claiming we were breaking Visa and Mastercard rules due to our online prescription services. This is patently false, as we are LegitScript certified, which means we are approved by Visa and Mastercard. Only LegitScript certification holders can have a merchant account for telehealth treatments involving no card present transactions. Maverick also mistakenly listed us as an online pharmacy when we are solely the doctor arm of our practice.

Despite having our attorney write a detailed response debunking their claims, Maverick has ignored our attempts to resolve the issue and is holding our funds, effectively stealing from us. Business owners should beware of Maverick Payments. They are not educated on the most current rules and standards for merchant processing and have terrible customer service. We strongly advise against doing business with them.

June 17th UPDATE!

In your response, you stated that you identified our business as a card-not-present pharmacy merchant that processes transactions for prescription products without proper medical consultation or prescriptions. However, this assessment is inaccurate and fails to consider the actual practices of our company.

First and foremost, we do not collect payments prior to purchase. Like other reputable businesses in our industry, we preauthorize payments to ensure the validity of the transaction. If you had taken the time to contact us and discuss your concerns, we would have gladly provided you with this information and worked towards resolving any issues you perceived. Instead, you chose to abruptly shut down our account, causing significant disruption to our business operations.

Business owners should be aware that Maverick Payment appears to make decisions without gathering all the necessary facts. They have demonstrated very poor business practices by failing to reach out to us before taking such drastic action. I strongly advise any online business owner to think twice before entrusting their payment processing needs to Maverick, as they have shown a clear lack of due diligence and communication.

Furthermore, we have noticed that there are funds missing from our account, and as our payment processor, you are responsible for ensuring the proper handling of these transactions. Since you have failed to address this issue and have not provided any clarity on the matter, we have no choice but to escalate this situation. Our legal counsel will be tasked with proving these points in court, as it seems that this is the only way to resolve the matter and recover our missing funds.

We look forward to presenting our case and exposing the truth behind your company's actions. See you in court.

UPDATE JUNE 28th 2024

Dear Maverick Payments,

We do not accept your response. You assumed wrongdoing on our part and halted processing, costing our practice revenue and missing funds. Your actions were based on incorrect assumptions, and your incompetence has caused us considerable harm. Business owners, be warned about Maverick Payments. We have secured legal counsel specializing in merchant processors to ensure Maverick cannot harm another business. Your mistake has had serious consequences, and we will pursue all available avenues to address this.

I am an ISO and have been in the credit card processing Industry for over 20 years. Maverick is by far the very best acquirer that I have ever used. I first started using them because they board Ticketbroker Merchant accounts and when I noticed and appreciated how great their entire service is including swift Communication, Underwriting, Support, Risk, etc. are I now board all my Merchants with them.

As the proud owner of a thriving CBD e-commerce brand, finding the right payment processor was crucial for our business, and Maverick has proven to be an absolute game-changer. From the swift onboarding process to the impeccable service and cutting-edge technology, Maverick has exceeded our expectations in every aspect.

The onboarding experience with Maverick was remarkably quick and painless. They guided us seamlessly through the setup process, ensuring that our CBD business was up and running in no time. Their team's expertise and commitment to streamlining the onboarding process made the transition smooth, allowing us to focus on growing our brand.

One of the standout features of Maverick is its dedication to ensuring PCI compliance. Dealing with CBD products requires a secure and compliant payment processing system, and Maverick went above and beyond to ensure that our transactions are safe and meet all industry standards. This commitment to security has given us and our customers peace of mind, establishing trust in our brand.

Competitive pricing is crucial in the e-commerce world, and Maverick also delivered on this front. They provided us with a pricing structure that beats many other providers in the market and offered a rate match from another provider. This level of flexibility and willingness to work with their clients sets Maverick apart as a partner who truly values the success of our business.

The dashboard and technology offered by Maverick are nothing short of exceptional. The user-friendly interface of their dashboard provides us with real-time insights into our transactions, allowing for informed decision-making. The advanced features and analytics available through their technology have proven invaluable in optimizing our payment processes and identifying areas for improvement.

Perhaps the most noteworthy aspect of our experience with Maverick is the VIP service they consistently provide, spearheaded by Maurice Griefer, Chief Revenue Officer. Maurice is not only responsive and knowledgeable but is also genuinely invested in the success of our CBD e-commerce brand. It's evident that under Maurice's leadership, Maverick understands the unique challenges of the CBD industry, and his personalized approach sets them apart from other payment processors.

In conclusion, Maverick has proven to be an indispensable partner for our CBD e-commerce business. From the swift onboarding and PCI compliance assurance to competitive pricing, advanced technology, and VIP service, Maverick has exceeded our expectations on every front. If you're in the CBD e-commerce space and seeking a reliable, efficient, and customer-focused payment processor, look no further than Maverick. They are, without a doubt, a game-changer for our business.

if i could give 0 stars I would. this company is beyond incompetent.

Maverick was very helpful approving my "high risk" business and their support over the years has been great!

I would like to mention Mr Steve who has represented Maverick so far in the most professional manner. He has been able to communicate, understand and deliver what i had been expecting. I look forward to work with the company in future