Noble Pay - Christopher Swift - PowerPay America - Noblepay.com noblepay fraud, noblepay scam, noblepay reviews, chargeback noblepay, noblepay sucks MD Internet
Noble Pay ( noblepay.com) is one of the worst merchant account providers out there, the owner Christopher Swift ( http://www.linkedin.com/in/chrisswift ) is a liar and he will lie to cheat small new business owners out of their hard earned money.
I made a mistake by trusting this company for my business. We have lost 80% of chargebacks becuase of their sloppy polices favoring the card holders.
We have experienced many instances in which noblepay have sent us notification of a chargeback in such a tardy manner that we did not receive it in time to fax our rebuttal. In some cases, we received notification of a chargeback WEEKS after we had automatically lost the dispute. We have asked that they fax us; they refuse to reply. We have asked that they email us; they refuse to reply. We have asked that they snail-mail these notices ON TIME. they refuse to reply or comply.
Their latest fiasco runs like this: We received an order from one Diana Brown" for several fake healthcare items. We delivered them on time (quite early) and obtained a delivery signature as we always do. This woman filed a chargeback for no legitimate reason. We received their chargeback notification one or two days before our rebuttal was due (that's considered EARLY, compared to what they usually do). We immediately amassed the documentation and faxed it to them.As always, we sent a second set to them by snail mail because they are FAMOUS for saying they didn't receive a fax, when in fact they did. Are we calling their people LIARS? Yes. We're calling their people liars. In any case, we forgot the matter, secure in the knowledge that we had beaten a fraudulent chargeback. Imagine our chagrin, then, when weeks later they notified us that our claim was denied because we hadn't submitted a rebuttal. We were exactly as PISSED OFF (incensed and enraged) as we ALWAYS are when their office pulls a stunt like this. We immediately faxed they a THIRD set of documents, and then sent a FOURTH set by REGISTERED MAIL. they STILL didn't set this matter right they merely replied to say we hadn't submitted the docs IN TIME.
The FACT of the matter is, if facts have ANY influence on theyr bizarre operation, that we DID submit the original docs on time, and our fax log, proves it. their. PEOPLE. LIED. For whatever Godforsaken reason, their people lie ALL. THE. TIME. We have honestly never seen anything like it.
The bottom line is that we've been cheated out of YET ANOTHER $190 of hard-earned revenue merely because noblepay lied and said they didn't receive EITHER of the document sets we originally sent them BEFORE their deadline. We hold they, Marvie (their people refused to supply us their last name or, indeed, even an employee number by which to identify they) personally responsible for this. If we can figure out a way to sue they by proxy in small claims court, rest assured we'll do it. We're told it can be done; we're researching the technicalities of it. We'll name they as the defendant. We have little doubt they'll refuse to supply it; we'll subpoena it if necessary.
The reprehensible, incompetent, dishonest practices of their OFFICE are costing us far more money than we're willing to overlook. It's bad enough to have scurrilous customers trying to steal from us almost on a daily basis. It's over the freaking top when they steal from us as well.
Noblepay sucks, stay away from them. Save your money and run as far as possible away from them.
Jamesevans
Atlanta, Georgia
U.S.A.
9 Updates & Rebuttals
kimharvest
Palisade,Colorado,
United States of America
Christopher is not Swift and PowerPay is Shameless
#10Consumer Comment
Mon, January 11, 2010
Christopher Swift was my "Agent" too under PowerPay America,LLC. How many company names does he hide under? He never got the paper work right, or the rates, hid the small print, has many hidden charges, lost my sales. He never gets back to you, never solves anything. You can quit, they will let you go if they screw up big time, but will hang on your bank account for years. Christopher is not Swift. PowerPay are crooks and shame on HSBC and Authorize.net for enabling them.
Noblepay
Framingham,Massachusetts,
U.S.A.
ChargeBack Best Practices for Merchants to Follow
#10REBUTTAL Owner of company
Wed, December 30, 2009
Chargeback policies & rules are heavily weighted to the card holder per Visa/MasterCard regualations so this is not a NoblePay policy so we don't have control or influence over their policies.
NoblePay doesn't manage Chargeback disputes as once a chargeback is opened the processing network & the card associations handle the dispute not NoblePay.
All processors chargebacks are directly managed but their respective acquirers sponsor bank.
For example NoblePay client chargebacks are managed by the EVO Chargeback department which has the direct relationship with HSBC bank where our merchants are underwriten through.
So any experience, good or bad a merchant has during a chargeback dispute would have been through the staff at EVO & HSBC NOT NoblePay.
Chargebacks are a huge headache for all but if you read these best practices provided by Visa/MasterCard below you'll be able to protect yourself from future issues.
Introduction to the Chargeback Process
III. Second Chargeback and Second Reversal Phase (MasterCard only):
Once a Reversal (and the subsequent debit) is received back at the Issuing Bank, they will then forward the Merchants Letter" back to their Cardholder for a response. If the Cardholder wishes to pursue the dispute further, they then send in a Rebuttal Letter" back to the Issuing Bank and if the Issuing Bank feels that their response is valid, will submit a Second Chargeback. A Second Chargeback functions just like a First Chargeback, except a Chargeback fee is not assessed and the disputed amounted is immediately debited out of the Merchants business checking account. The Merchant is sent another letter explaining what, if any, documentation is required to pursue this dispute further. This Second Chargeback" phase of the dispute is then considered Resolved to the Merchant" and will remain closed until the Merchant responds back to the letter sent to them. If the Merchant does indeed respond to the letter sent to them a "Second Reversal" phase of the dispute is opened. An Acquirer Chargeback Analyst will then review the letter and one of two scenarios will occur:
1.If the Chargeback Analyst deems the Merchants response as invalid, they will close out this phase as Request Denied" and will mail a letter to the Merchant explaining why the Chargeback cannot be pursued further at that time.
2.If the Chargeback Analyst deems the Merchants response as valid, they will submit a Pre-Arbitration" letter directly to the Issuing back advising that the Acquirer believes the Merchants claim is valid and that Acquirer will request MasterCard to make an Arbitration ruling on the dispute if the Issuer disagrees with the Merchants claim.
a.If the Issuing Bank agrees with the Merchants claim, they will simply forward the funds back to the Acquirer and the Acquirer will then credit the Merchants business checking account accordingly. The dispute at this point is considered Successful" and cannot be re-opened.
b. If the Issuing Bank disagrees with the Merchants claim, they will send a letter back to the Acquirer advising of such. The Acquirer will then send a form to the Merchant requesting that they sign the form which makes the Merchant liable for Arbitration filing fees. (When MasterCard makes an Arbitration ruling, it assesses a $400.00 filing fee to the loser of the dispute) If the Merchant does not agree to the fees, the Acquirer simply closes out the Second Reversal phase of the case as Unsuccessful". If the Merchant does indeed agree to the fees and submits the signed form, the Acquirer then submits an Arbitration Request to MasterCard directly.
i. If MasterCard rules in the Merchants favor, the Issuer is immediately debited and the Acquirer is credited for the amount in dispute and forwards the credit to the Merchants business checking account. The Issuing Bank is also assessed the $400.00 in filing fees and the Acquirer closes this phase of the dispute as Successful"
ii. If MasterCard rules in the Merchants favor, the Issuer is immediately debited and the Acquirer is credited for the amount in dispute and forwards the credit to the Merchants business checking account. The Issuing Bank is also assessed the $400.00 in filing fees and the Acquirer closes this phase of the dispute as Successful"
IV. Issuing Bank Pre-Arbitration Phase (Visa only):
Once a Reversal (and the subsequent debit) is received back at the Issuing Bank, they will then forward the Merchants Letter" back to their Cardholder for a response. If the Cardholder wishes to pursue the dispute further, they then send in a Rebuttal Letter" back to the Issuing Bank and if the Issuing Bank feels that their response is valid, will submit a Pre-Arbitration" letter directly to the Acquirer advising that they feel that their Cardholders claim is valid that they will request Visa make an Arbitration ruling on the dispute if the Acquirer disagrees with the Cardholders claim. The Merchant is then sent another letter along with the Cardholders rebuttal advising that they need to respond within 10 days. If the Merchant does not respond to the letter within the specified timeframes, the Acquirer Chargeback Analyst will credit the Issuing Bank back for the disputed amount and in turn debit the Merchants business checking account. This phase of the dispute will then be closed as Unsuccessful". If the merchant does indeed respond within the specified timeframe, one of two scenarios will occur:
1. If the Chargeback Analyst deems the Merchants response as invalid, they will close out this phase as Request Denied" and will credit the Issuing Bank back for the disputed amount and in turn debit the Merchants business checking account. The Chargebacks Analyst will also mail a letter to the Merchant advising of the debit and will also explain why the Chargeback cannot be pursued further at that time.
2. If the Chargeback Analyst deems the Merchants response as valid, the Acquirer will then send a form to the Merchant requesting that they sign the form which makes the Merchant liable for Arbitration filing fees. (When Visa makes an Arbitration ruling, it assesses a $400.00 filing fee to the loser of the dispute) If the Merchant does not agree to the fees, the Acquirer simply closes out the Pre-Arbitration phase of the case as Unsuccessful" and will credit the Issuing Bank back for the disputed amount and in turn debit the Merchants business checking account. If the Merchant does indeed agree to the fees and submits the signed form, the Acquirer then responds to the Issuing Bank advising them that they do not agree with the Cardholders claim. The Issuing bank then submits an Arbitration Request directly to Visa.
a. If Visa rules in the Merchants favor, all funds remain where they are and in addition, The Issuing Bank is assessed the $400.00 in filing fees. The Acquirer then closes this phase of the dispute as Successful"
b. If Visa rules in the Issuing Banks favor, they are immediately credited for the amount in dispute and the Acquirer is immediately debited for the same amount and in turn this amount is immediately debited from the Merchants business checking account along with the $400.00 in filing fees. The Acquirer then closes this phase of the dispute as Unsuccessful"
Preventing Chargebacks
Most chargeback situations arise at the point of transactionat the time the transaction is completedand most can be prevented with a little training.
Consider these tips to avoid potential chargebacks...
Card Present Transactions
Card-not present Transactions
Card Present Transactions
1. Do not complete a transaction if the authorization request was declined. Do not repeat the authorization request after receiving a decline.
2. If you receive a Call" message in response to an authorization request, call your authorization center. Be prepared to answer questions. The operator may ask to speak with the cardholder. If approved, write the authorization code on the sales receipt. If declined, ask the cardholder for another Visa card.
3. Make an imprint for all card-present transactions. If you have a point-of-sale terminal with a magnetic-stripe reader, swipe the card through the reader for every face-to-face transaction. If the terminal isnt working or a cards magnetic stripe cannot be read, key-enter the account information and make an imprint of the embossed information onto the sales receipt using a manual imprinter. Even if the transaction is authorized and the cardholder signs the receipt, if the receipt does not have an imprint of the embossed account number and expiration date, the transaction may be charged back to you for no imprint" if the cardholder later denies participating in the transaction.
4. Obtain cardholder signature. The cardholders signature on card-present transactions is required. Failure to obtain the cardholders signature could result in a chargeback for no signature" if the cardholder denies authorizing or participating in the transaction. Always compare the signature on the sales slip and the signature on the back of the card. If the card does not carry any signature, ask the customer to show you a picture ID, and have him sign the card at the time of purchase.
5. Make only one imprint of the card for each transaction. Making more than one imprint can lead to duplicate deposits and increase the chance of a chargeback. If you need to redo a sales receipt because of an error, write VOID" across the incorrect sales receipt, inform the cardholder, and tear up the incorrect sales receipt in view of the customer.
6. Ensure that transactions are entered into point-of-sale terminals only onceand deposited only once. Entering the same transaction into a terminal more than once, or depositing both the merchant copy and the bank copy of the sales receipt with your acquirer, or depositing the same transaction with more than one merchant bank can all result in duplicate transaction" chargebacks.
7. Ensure that incorrect sale receipts are voided and that transactions are processed only once.
8. If your establishment has policies regarding merchandise returns, refunds, or service cancellation, disclose these policies to the cardholder at the time of the transaction. Your policy should be pre-printed on your sales receipts within inch of cardholders signature; if not, write or stamp your refund/return policy information on the sales receipt near the customer signature line before the customer signs (be sure the policy shows clearly on all copies of the sales receipt). Failure to disclose such policies at the time of the transaction will be to your disadvantage should the customer return the merchandise.
9. Deposit sales receipts with your merchant bank as quickly as possible, preferably within one to five days of the transaction datedo not hold on to them. Failure to deposit in a timely manner can result in chargebacks for late presentment."
10. Deposit credit receipts with your acquirer as quickly as possible, preferably the same day as the credit transaction is generated. Failure to process credits in a timely manner can result in chargebacks for "credit not issued."
11. Keep customers informed on the status of their transactions.
12. If the merchandise or service to be provided to the cardholder will be delayed, advise the cardholder in writing of the delay and the new expected delivery or service date.
13. If the merchandise ordered by the cardholder is out of stock and delivery will be delayed or this item is no longer available, advise the cardholder in writing and offer the cardholder the option of purchasing a similar item or canceling the transaction. Do not substitute another item unless the customer agrees to accept it. By giving the customer notice and the option to cancel, you may help avoid a customer dispute regarding the merchandise and a possible chargeback.
14. Ship merchandise before depositing transaction. Dont deposit transactions with your merchant bank until you have shipped the related merchandise. If customers see a transaction on their monthly Visa statement before they receive the merchandise, it could lead to a preventable chargeback.
15. When refunding a customer, always credit the same card that was used for the corresponding sale.
16. Respond to all sales draft requests. Should you receive a request for copy of sales draft, respond immediately. Failure to send in copy will result in a chargeback with no representment rights.
17. Change printer ribbon frequently- illegible sales drafts can also initiate chargebacks.
Card-not present Transactions:
1. Do not complete a transaction if the authorization request was declined. Do not repeat the authorization request after receiving a decline.
2. If a customer requests cancellation of a recurring transaction which is billed periodically (monthly, quarterly, annually), always respond to the request and cancel the transaction immediately or as specified by the customer. As a customer service, advise the customer in writing that the service, subscription, or membership has been cancelled and state the effective date of the cancellation. Failure to respond to customer cancellation requests almost always leads to chargebacks.
3. If the merchandise or the service to be provided to the cardholder will be delayed, advise the cardholder in writing (e-mail for e-commerce merchants) of the delay and the new expected delivery or service date. Also, if the item is out of stock or no longer available, offer the cardholder the option of purchasing a similar item or canceling the transaction. Do not substitute another item unless the customer agrees to accept it. By giving the customer notice and the option to cancel, you may help avoid a possible chargeback
4. Ship merchandise before depositing transaction. Dont deposit transactions with your merchant bank until you are about to or have shipped the related merchandise. If customers see a transaction on their monthly Visa statement before they receive the merchandise, it could lead to a preventable chargeback.
5. When refunding a customer, always credit the same card that was used for the corresponding sale. Do not offer a check or other form of payment in place of a refund.
6. Use the Address Verification tool (AVS) and require a perfect match on cardholders billing address. Partial AVS match will not stand in a non authorization" chargeback scenario. If you need assistance in setting the AVS properly on your Gateway, contact your payment gateway provider or the Loss Prevention department of your credit card Processor for assistance.
7. Make sure the billing and the shipping address are the same. If not, make sure you verify the shipping address. You can search through the Yellow-White pages, ask for a copy of a utility bill, or a copy of a Drivers License to validate the shipping address. You can also ask the customer to call the Issuer and add the new address to the billing information
8. Obtain and verify the Card Code (CVV2/CVC2). This is the 3-4 digits number on the back of your card (on the front for American Express). This information can be captured only if your shopping cart, and your gateway are set up for it. Please, contact your webmaster and/or Gateway provider for details.
9. Cancellation/Return Policy needs to be acknowledged by cardholder. Policy needs to be acknowledged by the customer. For telephone or mail order merchants, policy must be acknowledged with a signature on the order form, contract, or invoice. For e-commerce merchants, policy can be incorporated in the online Terms and Conditions of the sale, and require the cardholder to click on an I agree" button before completing the order.
10. Generate an RMA number for submitted cancellations.
11. Obtain signed proof of delivery. Tracking numbers without a signature are not considered valid proof of delivery.
12. Verify the Internet Protocol (IP) address. Even though the IP verification is not a 100% guarantee, adding this feature will help you detect fraud. Your Gateway provider and/or other software vendor should be able to help you get started with this validation process. There is a variety of IP validation software that can be downloaded at no cost.
12 potential signs of Card Not Present Fraud
Keep your eyes open for the following fraud indicators. When more than one is true during a card-not-present transaction, fraud might be involved. Follow up, just in case.
1. First-time shopper: Criminals are always looking for new victims.
2. Larger-than-normal orders: Because stolen cards or account numbers have a limited life span, fraudsters need to maximize the size of their purchase.
3. Orders that include several of the same items: Having multiples of the same item increases a criminal's profits.
4. Orders made up of big-ticket" items: These items have maximum resale value and therefore maximum profit potential.
5. Rush" or overnight" shipping: Crooks want these fraudulently obtained items as soon as possible for the quickest possible resale, and arent concerned about extra delivery charges.
6. Shipping to an international address: A significant number of fraudulent transactions are shipped to fraudulent cardholders outside of the U.S. Visa/MC address verification (AVS) can't validate non-U.S., except in Canada and the United Kingdom or few other banks who participate in the US AVS program.
7. Transactions with similar card account numbers: Particularly useful if the account numbers used have been generated using software available on the Internet.
8. Shipping to a single address, but transactions placed on multiple cards: Could involve an account number generated using special software, or even a batch of stolen cards.
9. Multiple transactions on one card over a very short period of time: Could be an attempt to "run a card" until the account is closed.
10. Multiple transactions on one card or a similar card with a single billing address, but multiple shipping addresses: Could represent organized activity, rather than one individual at work.
11. In online transactions, multiple cards used from a single IP (Internet Protocol) address: More than one or two cards could definitely indicate a fraud scheme.
12. Orders from Internet addresses that make use of free e-mail services: These e-mail services involve no billing relationships, and often neither an audit trail nor verification that a legitimate cardholder has opened the account.
Visa MasterCard Card Not Present fraud prevention tools
Appropriate preventive action can help reduce fraudulent transactions and potential customer disputes. Make use of these Visa tools and controls to verify the legitimacy of the Visa cardholder and the card in every card-not-present transaction.
noblepay-fraud
California,United States of America
NoblePay is a Scam Buyer Beware Noble pay is a Fraud Stay away from noblepay.com
#10Consumer Comment
Sun, December 20, 2009
Noble pay is a big scam, the owner writes fake reviews pretending to be happy customer. If you Google their name, you will find several complaints about them. They have hidden fees and you lose any charge back filed by any card user against your business. They never support the poor merchants who write their paychecks. They only side the card holder as its easier for them to do it that way instead of wasting time fightinga chargeback for you. Stay away from this fraud company and file reports about their bad experience with the BBB and AG in your state. Dont let them take away your hard earned money.
Again they write their own fake reviews, just like the one above. Beware of their fraud!
Evie
Greensboro,North Carolina,
United States of America
I have had no problems with Noble Pay
#10Consumer Comment
Mon, December 07, 2009
I have not had one issue with Noble Pay and found them very easy to work with. Whenever I have had a question, Christopher Swift has been extremely responsive. I would hate to see their reputation blemished by something that may not be true. I recommend them all the time and haven't heard anyone who has had a bad experience.
Noblepay
Framingham,Massachusetts,
U.S.A.
This is not a NoblePay Client
#10REBUTTAL Owner of company
Fri, June 19, 2009
After much research we can not find a James Evans in our database as a client or a person who has worked with our risk department. So it is my belief that this person has the wrong company.
I hope this helps to clear the NoblePay name.
-Christopher Swift
Founder of NoblePay
Noblepay
Framingham,Massachusetts,
U.S.A.
Christopher Swift says these are false accusations!
#10REBUTTAL Owner of company
Wed, June 17, 2009
This is Christopher Swift from NoblePay and I'm convinced that the negative comments on this site are a hoax designed to degrade our company.
I find it shocking that this site allows accusations to be thrown around without validating them first.
All processors have the same costs issued to them from the card associations.
In the agreement you signed you'll see all of rates and fees clearly outlined in the schedule of fees section so there's nothing hidden or misleading whatsoever with a NoblePay account.
You would have seen the rate you were quoted as well as where the rate can fall to a non qualified tier.
As far as chargebacks go, the banks always take the side of the consumer and the burden of proof is on you the merchant to proof that service was rendered via a chargeback dispute investigation conducted by the card associations NOT NoblePay.
I have never once lied or deceived a merchant in my 14 years and take great offense to these accusations.
I stand by my company many positive referrals if you' like.
our customer support line is 888-888-4009 and its always answered round the clock.
I'm not hard to find either - just call 866-765-3151 ext. 301 or by email at chris@noblepay.com.
If you email me I'll even supply my personal cell phone number
I don't lock my clients into contracts because I don't have hidden fees and if I did they'd cancel on all the time
Respectfully,
-Chris
Noblepay
Framingham,Massachusetts,
U.S.A.
NoblePay ChargeBack concern
#10REBUTTAL Owner of company
Wed, May 20, 2009
James,
This honestly is the first I've ever heard of such a complaint.
I'm upset to learn of your experience and would have liked the opportunity to speak to you directly.
Since I"m not sure who you spoke to but I feel like I personally haven't been given the opportunity to help you with this situation.
Chargebacks are part of accepting credit cards no matter who you process with and nobody at NoblePay is looking to may your life miserable.
In fact, we don't even lock you into a contract so if we treat our clients in an un ethical manner they can easily leave us without penalty.
So with that said it has always forced us to do the right thing but our clients and if givn the opportunity we always do.
Since I don't know who you spoke to in our organization and just see my name listed I felt like I needed to defend my personal integrity as I've never been dishonest to a client.
I"m happy to help get this resolved so please give me a call if you'd like at 866-765-3151 Ext. 301
Respectfully,
-Chris
Noblepay
Framingham,Massachusetts,
U.S.A.
NoblePay ChargeBack concern
#10REBUTTAL Owner of company
Wed, May 20, 2009
James,
This honestly is the first I've ever heard of such a complaint.
I'm upset to learn of your experience and would have liked the opportunity to speak to you directly.
Since I"m not sure who you spoke to but I feel like I personally haven't been given the opportunity to help you with this situation.
Chargebacks are part of accepting credit cards no matter who you process with and nobody at NoblePay is looking to may your life miserable.
In fact, we don't even lock you into a contract so if we treat our clients in an un ethical manner they can easily leave us without penalty.
So with that said it has always forced us to do the right thing but our clients and if givn the opportunity we always do.
Since I don't know who you spoke to in our organization and just see my name listed I felt like I needed to defend my personal integrity as I've never been dishonest to a client.
I"m happy to help get this resolved so please give me a call if you'd like at 866-765-3151 Ext. 301
Respectfully,
-Chris
Noblepay
Framingham,Massachusetts,
U.S.A.
NoblePay ChargeBack concern
#10REBUTTAL Owner of company
Wed, May 20, 2009
James,
This honestly is the first I've ever heard of such a complaint.
I'm upset to learn of your experience and would have liked the opportunity to speak to you directly.
Since I"m not sure who you spoke to but I feel like I personally haven't been given the opportunity to help you with this situation.
Chargebacks are part of accepting credit cards no matter who you process with and nobody at NoblePay is looking to may your life miserable.
In fact, we don't even lock you into a contract so if we treat our clients in an un ethical manner they can easily leave us without penalty.
So with that said it has always forced us to do the right thing but our clients and if givn the opportunity we always do.
Since I don't know who you spoke to in our organization and just see my name listed I felt like I needed to defend my personal integrity as I've never been dishonest to a client.
I"m happy to help get this resolved so please give me a call if you'd like at 866-765-3151 Ext. 301
Respectfully,
-Chris