I've got great credit, no debt, and am starting a new business where I'll need to take credit cards over the phone. Thru Wells Fargo's merchant services, Authorize.net was recommended and they'd waive most fees. The local rep couldn't tell me what my rate would be until I spoke to a man named Roberto. He asked me lots of questions regarding what I would be doing with the payments received, and if I didn't give him the answer I was supposed to, he'd say he had to put me on the phone with someone else. All this and still no rate was quoted. It took 2 hours in the bank, on a Wednesday, including docu-signing which was NOT working properly. I was told I would hear from them 2-3 days but by Friday, nothing, so I left Roberto after calling his phone only to find out he doesn't have an office at that number. I sent an email on Friday morning, with no reply until Monday afternoon calling and leaving messages as to the status of my set up. I left a message saying I didn't want to deal with Roberto anymore, after 3 doses of lips service and no follow-thru. When the supervisor called me back for the first time, she just said I was NOT approved, no reason or questions from any underwriting or approval department!
What? Due to Roberto's POOR fast-talking communication skills and made me feel like I was dealing with a gang banger who didn't kept my business from taking credit cards thru their service. The only reason I chose them over SQUARE was they offer 24/7 customer services and said SQUARE has on-line only support. At that time, that made the difference.