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Originally Posted by frustrated
Yeah I've posted this under a fake nick because I don't want the bad-asses at Paycom to kill my processing, but I'm posting here to get some ideas on what I should do to resolve this ridiculous situation. I've continued doing business thinking these issues were a fluke. I no longer believe that is the case.
Basically what's going on, are paychecks being skipped. Payments are being skipped. When I call them, they say it's because 50% of our transactions are NSF ACH joins, and they 'negate' my good credit card joins.
Well last time I checked, Credit Cards equalling $100 + (bad checks) $100 doesn't equate to ZERO DOLLARS. It just means I don't get the ACH funds, only the credit card funds. I want to know where those credit card funds are. I have members rebilling consistently from the day my site launched, and up until last week I hadn't gotten any checks for a MONTH until the Monday before last Monday. They can't tell me that bad checks were negating my funds, because this just doesn't make any sense.
Half of the time I call I get to speak with an Indian lady that barely speaks English. She doesn't seem to give a shit about these problems. The other half of the time I get to speak with someone else that doesn't seem to give a shit about the fact that I haven't been mailed any payments in an obscenely long amount of time. Half of the time they blame it on the bad ACH joins, the other half they say I should talk to the Postmaster.
What would happen if I were to tell my creditors to check with the postmaster when they say they haven't recieved my payment? I don't think that would go over too well.
Bottom line is this nonsense has been going on for far too long. I've got people I owe money and Paycom is not making my life very easy at the moment. I'm having to put my own finances on hold because of these issues, and I'm getting nowhere dealing with these guys. Calling them is like talking to a brick wall.
They offer to re-issue the checks they claim to have mailed, and of course they want a $30 cancellation fee. Talking to the postmaster about mail that doesn't have tracking numbers is pointless.
I used to work for Kelly Services, a temp agency. Paychecks were mailed out each Friday just they way Paycom does, but the difference is I recieved them reliably each and every Monday. Not a single missed check in in over 3 years of working for them. How come these mail problems seem to affect only them?
Here's some facts about my business. I've done about 60-70 joins in the past month valued at $15 each. Most of those are credit card transactions. So with that being said, they still tell me I'm not getting checks because they say I haven't reached the minimum requirements for the checks. I've always had a small loyal member base that would allow the site to reach that minimum on it's own, without even accounting for new joins.
So I'm looking for some real, honest, sincere advice. I'm really fustrated right now and I truely do not know what to do. Has anyone else known of any other small webmasters getting screwed like this? Do they typically
ho use 'lost in the mail' as an excuse to not mail checks?
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my advice: go with ccbill. I don't like Epoch because I believe they have liberal cross sale rules. Many programs operate on the cross sale model - they buy tons of them every day (which is IMO a lack of quality and inability to generate their own sales, so they buy Xsales and have other people "force" those sales to a site the surfer doesn't even realize hes getting access to). That model has a high CB ratio, and they use other people who operate by generating their own sales as a weight to keep their whole portfolio of sites below 1%. I believe Epoch still allows pre-checked cross sales as just one example, CCBILL doesn't. Thats the main reason I like CCBILL, its a risk factor for me. For a guy who does low volume like yourself, I think CCBILL is your best bet.
I also remember years ago when Epoch failed to pay out reserves, and ignored my emails regarding it. People may have forgotten, but I have not.