If you’re a business owner, you know: It’s a jungle out there. It’s hard enough to make a profit without worrying about payment processing scams that take money out of your pocket and eat up your time and energy. But if message boards and blogs like scam.com are to be believed, you can’t trust anyone, especially if you need a high risk merchant account.
Go ahead. Type the name of a payment processor or merchant account provider (you can even start with Instabill) and the words "fraud," "scam," "illegal," or "ripoff" into a search engine.
Chances are, no matter what company you chose, you saw something that made you think twice about applying for a merchant account.
As a merchant, you care about one thing:
Getting paid, reliably and on time, without being charged unreasonable fees. So how do you tell the difference between the payment processing scams and the trustworthy companies with proven track records?
Instabill specializes in low and high risk merchant accounts. You can rely on our:
At Instabill, the customer is always right - well, almost always. We’re not afraid to admit it: In our 10-year history of doing business, we’ve had a handful of unsatisfied merchants. In virtually every case, the unhappy customer:
Instabill has a zero tolerance policy when it comes to merchant fraud. We follow strict risk mitigation procedures, including contacting our merchants’ customers to make sure goods are being delivered as advertised.
If we discover that a merchant has engaged in account fraud, we report them to the appropriate authorities. Fraudulent merchant accounts are closed, and the funds are frozen to cover damages.
Instabill takes every customer complaint seriously, and we work with our customers to resolve all legitimate complaints. So why would a merchant complain about Instabill on a site like Ripoff Report? And what should you believe - an anonymous online review, or Instabill's A+ rating with the Better Business Bureau? Take a look at this head to head comparison and decide for yourself.
|Question||Ripoff Report||Better Business Bureau|
|Who are they?||A privately run, for-profit blog run by a former business owner.||A network of 122 consumer information bureaus that’s been around since 1912. The BBB is independently governed by a Board of Directors, with rigorous standards formed in cooperation with government regulatory agencies and trade associations.|
|What do they publish?||Ripoff Report publishes unedited, uninvestigated complaints and allow users to comment on them.||The BBB sets standards for ethical business practices. They investigate and monitor over 3 million businesses and provide thoroughly researched reports.|
|Do they investigate customer complaints?||No. Ripoff Report publishes all complaints without looking into them.||Yes. The BBB is a large organization with an extensive staff for investigating and substantiating complaints.|
|What are their reports based on?||Complaints are based on unsubstantiated reports by anonymous users.||The BBB compiles, archives, and investigates all information it receives about a business.|
|Do they follow up on complaints or act to resolve them?||No. Ripoff Report is an un-moderated forum.||Yes. The BBB acts as a mutually trusted intermediary between consumers and businesses to resolve significant complaints.|
|How are disputes handled?||Ripoff Reports cannot be removed from the site—even by the original authors, and even if the information is found to be false. Businesses must pay a hefty fee (around $2000) to enter 'arbitration' in an attempt to have a report declared "satisfied."||If a business disagrees with a report made to the BBB, disputes are mediated with no-cost arbitration and the outcome is reflected in the BBB report.|
|How do they make money?||Ripoff Report makes money through advertising on its website and through “VIP arbitration.” With VIP arbitration, businesses that have been victims of false reports are charged thousands of dollars to have their names cleared.||Businesses that meet the BBB’s strict standards for ethical practices can become BBB members. BBB dues pay the bureau’s essential operating costs.|
Find out more about Instabill and how to start processing credit cards online today.
Click here to visit Instabill’s website.
Q: Who can post a complaint on Ripoff Report, scam.com, or similar sites?
A: Anyone with a computer and an internet connection. These sites do not claim to conduct research or verify the accuracy of complaints.
Q: If someone posts a bogus complaint, can’t the company just get it taken down?
A: Almost never. These sites warn posters to tell the truth, but they pride themselves on being "unedited and uncensored." That means that anyone can say whatever they want. If a business objects, they can make a rebuttal and sue the person who made the complaint, but even if they win the lawsuit, the original post will stay up.
Q: Why would a merchant write a misleading complaint online?
A: Not every business is eligible for a merchant account. Occasionally, a merchant applies for an account using fraudulent information, or fails to abide by the terms and agreements of their account. When this happens, their account may be shut down and pending payments may be seized and/or returned to credit card holders.
Even though honest business owners make up the vast majority of Instabill’s merchant accounts, fraudulent merchants can and do post inaccurate information about Instabill.
How can you tell which online reviews to take seriously, and which to ignore? Consider the source. Take a look at a head-to-head comparison of two popular sources of reviews.
Example: A merchant applies for an account, claiming to sell rare books—in reality, they run a website selling unlicensed pharmaceuticals.
Example: A merchant receives an account to process credit cards for an online gift company—then they use stolen credit card numbers to charge huge amounts for non-existent transactions.
Example: A merchant has an account to sell a trademarked product. They charge customers full retail price, but ship an inferior imported knock-off.
"Every customer's Visa card has gone through perfectly...Your staff is very informed, polite, and they answer the phone every time. Good reason for me to trust you. Your professionalism is exceptional."
"I would first like to thank you and Instabill for the excellent service you currently provide my company. The customer service is great and payments are always on time and this permits us to have a good business relationship. We have been working together now for one year and our processing traffic is very clean, very consistent, free of chargebacks and refunds are rare. "
"We have partners that have been using your services for many years, and we would like to start with your company as well. You come highly recommended!"
Instabill is a global merchant account provider for high risk, offshore and e-commerce businesses. Instabill has over 10 years of e-commerce experience and prides itself on being a reliable merchant account service provider with a business-friendly, consultative approach. We service countries all over the world and accept many different currencies.
Still have questions? We are available via email, live chat, or phone, and we'd be happy to discuss your concerns.