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$27.95 was deducted from our business checking account on Wednesday, November 30th, 2011 that was outside our expected fees for the month.
We waited for our monthly statement to arrive to see if the fee was listed and explained - the monthly statement usually arrived by the 10th of each-month.
On Friday December 16th, 2011 we contacted United Bank Card (now known as Harbortouch) by telephone since we we hadn't received the monthly statement yet.
We were told that the $27.95 charge was for a required fee for providing the IRS with details of our gross receipts. This is charged three-times/year bringing the annual fee to $83.85 for reporting information to the IRS.
Doing a google search provides an abundance of information regarding this new requirement and the fact that most credit card processing companies are padding their bottom-line by charging a fee for meeting this requirement.
We were told on December 16th, 2011 that this fee would be refunded as a one-time courtesy since we started processing earlier in the year and was not informed of this fee.
This is the second time that United Bank Card (now known as Harbortouch) has taken money from our account that was not detailed in the contract we signed for merchant processing services. We have been a merchant with United Bank Card since June 2011.
So in the first seven-months of service - they removed $79.00 on October 25th for an annual terminal fee which was returned on November 4th because we purchased our terminal. And now most recently, United Bank Card removed $27.95 from our checking account which was explained as three-times/year fee for IRS reporting compliance - that was yet to be returned.
We gladly pay all fees and charges associated with using their service but these two charges were not detailed in our contract nor were we informed before-hand of the amount and reason for these charges.
It is in our opinion then that United Bank Card (now known as Harbortouch) is quick to take any fees/charges they want from your account and hope that most merchants won't notice and for those that do and should not have been charged - they take weeks to return that money.
With the $83.85 annual IRS compliance fee, standard discount rates and the PCI Compliance fee (which we haven't paid yet but I'm sure it will be deducted without notice) - it might be worth switching to squareup which does not charge IRS compliance fee or PCI compliance fee.
It's just unsettling that a credit card processor like United Bank Card (now known as Harbortouch) apparently just deducts fees without knowledge, consent or even the common courtesy of informing their customers.
2 Updates & Rebuttals
Curtis Stevens
United States of America1099-K Fee
#3UPDATE Employee
Wed, February 27, 2013
Harbortouch, like all the other major processors starting charging a fee to deal with the 1099-K reporting requirements that was enacted and required by the IRS. The law that passed created a lot of expense and labor for processors. Harbortouch passed on this expense like most processors as a fee for about a year or so. Late last year (2012) they announced they are removing this fee along with several others, such as any fees related to their free terminal program and paper & supply program. I for one was glad to see that move be made.
Curtis Stevens
Harbortouch Sales Agent
www.harbortouchs.com
HTSUPPORT
United States of AmericaIssue Resolution
#3UPDATE Employee
Fri, February 01, 2013
We are sorry to hear about the issues you have experienced with Harbortouch. We have 24/7 phone support available to all of our customers and if your issue has not been resolved by these departments, please contact your sales representative to have the issue escalated within the organization. It is our goal to provide exceptional customer satisfaction and we will do everything in our power to resolve your issue in order to achieve this goal.
It is also important to note that Harbortouch is not some new start-up or disreputable organization. We have been in business for 13 years and have over 110,000 merchant customers nationwide. During our time in business, we have received countless awards and accolades for our business operations, customer service and innovative products. We have been named to the Inc. 500 list of fastest growing companies in America for five consecutive years and have been listed on Deloitte's "Technology Fast 50" list. Additionally, we were named a Gold winner by the 2012 Golden Bridge Awards, a Silver winner from the 2012 Best in Biz Awards and a Bronze winner by the 2012 American Business Awards.
- Harbortouch Support