Propay= NO pay
I've used Propay as my card processor for 2 years now, and can honestly say I have never once had a good experience with any issue that has occured. I kept giving them the benefit of the doubt when when they froze my funds, charged me extra fees, deactivated my debit card, charged my checking acct without notice, etc, but finally threw in the towel and switched.
It's not worth using them, especially if you're trying to do any kind of volume.
They have NO chargeback support, their hidden fees really add up, their rates are terrible, their resolutions dept will freeze your funds on a whim, they give you low per transaction and monthly limits, etc etc etc.
Calling customer service will only let you talk to the front phone person, not the "resolutions dept" or "limits dept", who are always mysteriously in "meetings".
Please check around the web for the many unsatisfied propay customers.
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