Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/22/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We signed up with this company for merchant services after getting a snow job that turned out not to be truthful about how much money they were going to save us. However, the complaint I have with them is that they are delaying depositing our funds for an extra day if the transaction amount is over $8000. We were never told of this limit, and when it first occurred, they required us to provide bank statements and other proof in order to raise that limit to $25K. We did so and have verbally been told twice by managers that we would no longer have these delays in processing our deposits, however, it continues to happen. We have only been with this company for 6 months and EVERY SINGLE transaction over the $8K is being held. I am really frustrated as I have tried to get the issue resolved but the promises it is fixed always turn out to be false. I don't know where else to turn.

  Customer Answer

  Date: 05/22/2025

  So I am confused.  I submitted a complaint against Merchant Lynx.  Is that the same thing as Groundhog Enterprises, Inc.

  

  Business Response

  Date: 06/12/2025

  RE: CHENA ****** AIR SERVICE / 4783790999016983
  
  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  After reviewing your account, we can confirm that your processing activity was placed on hold as the result of an investigation that was opened on your account due to unusual activity flagged by our internal systems.  This process is meant to delay the settlement of the funds until the investigation is completed by our *************** team.  This is a precaution taken to protect both you (the merchant) and Merchant Lynx Services (the ISO/processor).  We would like to emphasize that Merchant Lynx Services is 100% liable for every credit/debit card transaction submitted through your point-of-sale terminal that uses our front-end and back-end platforms.  With that being the case, we do reserve the right to hold any funds or transactions we feel pose an increased level of risk.  This is a common business practice that many financial institutions have in place to prevent potential financial loses to all parties involved.  For more information, we encourage you to review the Terms and Conditions of your Merchant Processing Agreement (MPA), which can be found online at *********************************************************************************************.
  
  In light of the situation we highly recommend that you continue working with our *************** team pertaining to this case.  ************ can be reached at *********************** or email anytime to *****************************************************************.  Their hours of operation are M-F 8:00AM-5:00PM EST.
  
  If you have any general support questions about your case, feel free to contact our Merchant Support team at *********************** or email anytime to ********************************************************************.  Their hours of operation are M-F 8:00AM-8:00PM EST and Sat 8:00AM-5:00PM EST.
  
  Please have your Merchant ID available for faster service and reference Ticket ID ******, which pertains to your case specifically.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 06/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:05/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My business used ********* to process credit cards for a couple years ending on October of 2024. We stopped using them because they implemented a new requirement for us to charge a processing fee to our cash customers the same as if they were using a ********************** card. They sent us signs that we were required to post in the office saying that customers paying by cash or check would now pay the same higher rate as credit cards and we were told we would be audited by someone stopping in to our office and we would have to pay fees if we didnt comply. It was quite an ordeal to cancel the service and took over a month to stop. Today May 7, 2025, ********* took $398.00 out of my business checking account for yearly fees. We contacted them and MerchLynx admitted it was an error, but said it would take at least seven days to return the money to the account. I find it hard to believe that they can instantly take out money fraudulently from my account, but it may take more than a week to put it back in. My business checking is not a line of credit to be used by a credit card processing company I stopped doing business with eight months ago. I should be able to charge interest at a rate I decide.

  

  Business Response

  Date: 05/08/2025

  RE: ************************************ / *************** and 924600999074717
  
  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  After reviewing the details of your complaint, we can confirm that your cancellation request was received on 9/25/2024 for account ending ******, and on 10/24/2024 for account ending ******. We can also confirm receipt of the bank statement you sent via email showing the posted charges to your operating account.  As a result of these findings, we have determined that your account is eligible for a refund of fees that were billed beyond the closure dates, specifically the $199.00 charges that was applied to each account. Refund requests were submitted on 5/7/2025 for each account and are currently being reviewed.  There is a 7 day review period that must expire before any refunds can be issued.  This is the amount of time it takes for your bank to confirm if the original debit has been cleared and settled.
  
  We do hope we were able to address your complaint.  If you would like to discuss this matter in more detail, please contact our Merchant Services department during business hours at **************, Mon-Fri 8:00AM-8:00PM and Sat 8:00AM-5:00PM (excluding Federal holidays).
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23300822
  
  I am rejecting this response because: I am not confident that this will not happen again.  I want confirmation that all my financial information is destroyed and this will never happen again.  I also do not understand why it took so long to return the funds when they were taken instantaneously from my account.  The response blames my bank by saying it takes that long for my bank to confirm that the amount was taken.  The bank confirmed the amount was taken on the day it was taken out.  It took Merch Lynx over a week to get the stolen money back into my account so the delay was the fault of Merch Lynx.  They were delaying the return of the money they stole from me.

  A reputable company would have reverse the charges the moment they found out about them.  If I can reverse a charge at a credit card terminal instantly, they can do the same if they wanted to.  My concern is that this company is using current and former clients bank accounts as a line of ********************** for themselves.  Taking money from my account without permission is theft.  If the situation was reversed, I would be in jail for taking money from them.  

  I deserve some sort of compensation for the time the money was out of my account.  Also, written assurance that this will not happen again.
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 06/02/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  Upon further review, we feel that this complaint has been addressed.  For additional information pertaining to our business practices we recommend reviewing the Terms and Conditions of your Merchant Processing Agreement (MPA) that can be found at **********************************************************************************************.
  
  For any additional questions or concerns please contact our Merchant Services department M-F 8:00AM - 8:00PM EST and Sat 8:00AM - 5:00PM EST or email us at ********************************************************************.
  
  Sincerely,
  Merchant Lynx Services
  

  

  Business Response

  Date: 06/02/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  Upon further review, we feel that this complaint has been addressed.  For additional information pertaining to our business practices we recommend reviewing the Terms and Conditions of your Merchant Processing Agreement (MPA) that can be found at **********************************************************************************************.
  
  For any additional questions or concerns please contact our Merchant Services department M-F 8:00AM - 8:00PM EST and Sat 8:00AM - 5:00PM EST or email us at ********************************************************************.
  
  Sincerely,
  Merchant Lynx Services

• Initial Complaint

  Date:04/16/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March 2025 I received a call from Merchant Lynx saying they noticed I was overpaying with my clover account and that they can offer us wholesale pricing. They were not transparent in letting me know they were not Clover. Through the whole process I believed I was dealing directly with clover until all the paperwork was signed. They told me that with the change over they just needed to send me new equipment. I was under the impression it was just a swap out for what I already had through clover. The new equipment came in (and it was actually a downgrade from what we originally had) and technical support helped me set it up (still at this point I think it is clover). I asked about sending the equipment back. They said that Clover should realize you aren't using it in around 2 weeks. That is when I realized they were not Clover, but a separate company. I called Clover. To get out of their contract I had to pay $500, which I did because I can't afford to pay for 2 different plans. But I am currently still paying for the lease of the equipment through Clover because I can not afford to pay the more than $1000 to break the lease. I run a non-profit reptile rescue and use the clover system to sell supplies to raise money. I fell into this trap because I did not know better. I feel they used deceptive sales tactics just to get me to sign up. And now tell me I cannot get out of the contract.

  

  Business Response

  Date: 04/28/2025

  RE: SECOND HAND SERPENTS REPTILE RESCUE / 4783790999019805
  
  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  After reviewing the paperwork that was submitted to our office by your sales agent, we were unable to identify anything that would suggest you were falsely setup with an account.  With that being said we do feel that your complaint may be directed at the sales *** that setup your service with Merchant Lynx. It is important to point out that the sales *** is an independent contractor and does not work directly for Merchant Lynx so we cannot validate anything they may have told you at the time you made the decision to setup your account.
  
  In light of the circumstance, we would like to offer any assistance we can by working with you to remedy the situation.  We would be willing to reimburse up to 50% of early termination fee you were obligated to pay to switch.  All that would be needed is a copy of the processing statement showing the fee was applied to your processing account as well as a copy of the bank statement showing the deducted amount. Once we received that information, we would apply a statement credit to your processing account.  Unfortunately, we would not be able to do anything about the lease you have with Clover, however we may be able to reduce some of your costs with Merchant Lynx to help offset some of what you're paying.
  
  Please contact our office at ************** so that we can look further into this issue with you and offer a solution that works.
  
  Sincerely,
  Merchant Lynx Services 

  Customer Answer

  Date: 05/12/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:04/10/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 3/25/2025 we received and processed a payment in the amount of $12,945.98 from an aftermarket vehicle repair warranty company our mutual client had a contract with. This payment is sent in the form of a single use digital credit card. On 3/28/2025 I was notified by MerchantLynx that a "risk review was being performed". During this time I also tried to cancel our account as I was within the time I could without a cancelation fee due to the auto-renew process and have found a processor that will save a significant amount of money that also integrates into our billing system. I was told I could cancel that day, and wait 180 days for our $12,945.98 payment to clear, or wait for the risk assessment to be completed and pay a $495 cancelation fee. By the time I was told they had cleared the charge to go through the card it was on had already expired due to it being a one time charge card. We now had to start the claim process over to have a paper check mailed (for security the warranty company does not issue a second card number). This has severely affected our day to day operations as we have a significant amount of money hanging out for the purchase of the parts installed and is hurting our relationship with our client because we can not release a vehicle on a $15k bill prior to payment being issued. We need to cancel our account without fees.

  

  Business Response

  Date: 04/28/2025

  RE: ******************* / 924600999088485
  
  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  With regards to the transaction that was flagged for you review, it is important to understand that Merchant Lynx Services is 100% liable for every transaction submitted from your point-of-sale system using our front-end/back-end platforms.  With that being the case, we do reserve the right to open an investigation and hold any transaction or transactions that carries a certain level of risk.  To better understand the payment processing environment for the merchant and the processor, we recommend reviewing the Terms and Conditions of your Merchant Processing Agreement (MPA), which can be found online at *********************************************************************************************.
  
  With regards to the early termination fee, our office would've needed to receive a written notice of termination at least 90 days prior to the end of the initial term or current term (as stated in the Terms and Conditions of your Merchant Processing Agreement).  To date, our office has not received a written notice of termination from your business and your account has already entered into the renewal period as of 3/28/2025.  Therefore any early termination fees would apply if you decided to move forward with canceling your service with Merchant Lynx.  If you have switched processors, we would recommend working with your current processor to cover the costs associated with switching your service.  This is a common business practice and one that we offer to our merchants when switching to our service.
  
  With that being said, we would like the opportunity to continue working with you as you have had an open account with ********************** Lynx since 3/28/2022. If you would like to discuss options for keeping your account active, please contact our Support team at ************** or email us at ********************************************************************.
  
  Sincerely,
  Merchant Lynx Services

• Initial Complaint

  Date:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started using lynx in my mobile tool business due to the local *** for the card services device I pay for switched over to them, I only used the reader on the 25th and 26th of february in 2025. I ran roughly 3800 dollars in payments in those 2 days, i also had withdrawals of the same amount out of the business banking account and no deposits. So this put a huge hole in my pocket and I have had to call them like clockwork everyday to get this resolved. Their explanation is that it looks fraudulent when I run say 5 payments of the same amount in one day with 5 different cards, they never asked what type of business I run, had they, they would have been told that I run a independent too franchise and they centralize around no-interest revolving accounts and they have a weekly payment, 50 dollars is a very common payment in the automotive business who is most of my clientele. They unilaterally decided this and never contacted me, they had my phone number incorrect as well as my email and their individual merchant number for my business was wrong as well. Now they have closed my account through them and still haven't received any of my own money that was stolen from my account, no deposits were ever made, in double entry accounting their needs to be a credit and a debit to balance out, only debits have occurred. I missed a payment to my franchisor, 3 payments to the credit department within the franchisors business. I am not going to accept a explanation only an apology and interest on the money they have stolen and I will be retaining counsel if this isn't rectified and if a paper trail is needed the machine spits out paper copies which I have and bank statements to back up everything I have said. I have over 7k dollars tied up because of this fiasco, obviously this isn't the first time this has happened after reading the other complaints as well.

  

  Business Response

  Date: 03/05/2025

  RE: RMS TOOLING ENTERPRIES / 9246*****000317

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  We can confirm that our *************** system has flagged specific transactions submitted from your point-of-sale system for review.  As a result, our *************** team is currently investigating the cause and will be working with you to find a resolution.  As a precaution, a temporary hold has been placed on those funds until the investigation is completed. Although this process may delay the settlement of funds, it is a necessary step that protects both you (the merchant) and Merchant Lynx Services (the processor).
  
  It is important to understand that Merchant Lynx Services is 100% liable for every transaction submitted from your point-of-sale system using our front-end/back-end platforms.  With that being the case, we do reserve the right to open an investigation on any transaction or transactions that carries a level of risk that is higher than your normal processing activity.  To better understand the payment processing environment, we recommend reviewing the Terms and Conditions of your Merchant Processing Agreement (MPA), which can be found online at *********************************************************************************************.
  
  In the meantime, we encourage you to work with our *************** team to resolve this matter as quickly as possible.  Our *************** team can be reached at ***********************, or *****************************************************************.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 03/18/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:

  Money being stolen from a bank account is still stealing, it has come to my companies attention that I never signed a single piece of paper when it comes down to lynx merchant services, I never signed an authorization for withdrawal or deposit. I never signed a thing to sign myself up for this service, that is in fact fraud not on my part but of the merchant services and on the middle man that sold us their service and swapped machines on us without notice. The initial money that was stolen from my business bank account is still not in my possession almost a month without money that was never theirs to begin with and never once deposited a single cent, I am a small business and this puts a dampner on my business, I am not a big corporation like lynx or even ******* that can absorb things like this, this is killing my business and nobody cares other than me. I will just leave it at that, until MY money has been returned there will be no resolution. 
  Sincerely,
  
  ******* *****

  

  Business Response

  Date: 03/18/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.

  For your convenience, a copy your Merchant Processing Agreement (MPA) has been attached to this response.  For security, we have redacted any sensitive data on this document.  Your signature on page 2 confirms your authorization to have the account setup as well as your acknowledgment of the terms and conditions for processing sales through your point-of-sale system.  Unfortunately, your claim does not meet the criteria that would warranty any further investigation into the account being setup fraudulently as the information we have on file suggests that you were aware of the account and terms of the agreement.

  However, we also understand that some of this information may require further explanation, which is why we are highly recommend that you cooperate with our *************** team to resolve this matter.  Our *************** team can be reached at ***********************, or *****************************************************************.

  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:

  Nothing has changed, I was unaware of another card machine showing up to replace another companies, I never signed a single document in person or electronically, you had the incorrect email and phone number to our business and we were attached to another merchant number for another business, its obvious to most people someone set up our account with you not me or my assistant and you had my mobile tool business (Snap-on Tools) as a hardware store like *********** we would never have classified ourselves as a hardware store we sell the best tools on the planet not lumber. What still isn't done is my refund of my funds, you took almost 2000 dollars from my business bank account without a single deposit, double entry accounting requires a credit if a debit is applied to one side of the equation, or vice versa. There has only been debits, no credits which means you STOLE from my business period, hiding behind legal jargon so you don't have to be held accountable is sad, I will keep at this till the money that was fraudulently taken from my business account is put back, the refunds you sent out for my customers are all there, where is my money? I was told it would be "released" after the customers got their refunds, that hasn't happened, at this point you are holding my funds hostage and someone's head needs to roll, someone made a unilateral decision that upended my business for over 4 weeks now. This is why our country is screwed up, nobody being held accountable for their actions, a risk analyst made this decision on their own and my busniess gets torpedoed. 
  
  regretfully,
  
  ******* *****

  

  Business Response

  Date: 03/20/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response. Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  We understand your concerns and can confirm that the OPEN investigation with our *************** team regarding your inquiry is currently under review.  Updates will be provided to you once they have completed their investigation.  If you would like more information as to the status of your case, we strongly recommend that you continue communicating with our *************** team at ***********************, or *****************************************************************.  In order to better serve you, please reference Ticket ID ******.
  
  As we previously stated, we were unable to uncover any evidence that suggests your account was fraudulently setup, however, we can confirm its CLOSURE as of 3/19/2025 as a result of the open investigation.

  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 03/21/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:
  still haven't received a refund of my funds that I fully expect to come back in full and not partially, their claims that rejects can happen during refunds is completely baseless, I was told verbatim in an email that if the account was lacking of funds that they would use mine to cover. The money you had in the first place so if your account with the customers money was missing money somehow, I would need to eat that, not a flying fhacking chance. Not a single U.S. based bank has ever rejected a refund to an active checking account so why would your risk analyst say that? 
  Sincerely,
  
  ******* *****

  

  Business Response

  Date: 03/21/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response. Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  We strongly encourage you to continue working with our *************** team to resolve your case. We understand the delay in settlement that this investigation presents, however standard protocols is our procedures requires confirmation closing your case. Our *************** team will be able to provide you with updates at ***********************, or *****************************************************************.  In order to better serve you, please reference Ticket ID ******.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 03/26/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:

  I have received a partial refund of the funds removed from my business account but not all of the money taken from me, I would like an explanation on how you refunded all of my customers and kept part of my money? If the money was kept to cover the card transaction fee, thats not on me, I didn't authorize refunds and thats what the payment differential was for anyway. I never signed a single piece of paper allowing this and I am at wits end, I may need to get legal involved and thats a disappointment since THIS HAS BEEN GOING ON FOR ALMOST A ENTIRE CALENDAR MONTH. I need an explanation as to why the entire amount wasn't placed back in my account, that I never authorized to begin with, I don't want to hear some horse c*** about we took it to cover accounts just in case there are insufficient funds, there isn't a bank who would decline a refund to their customer and if they were over-drafted or had zero dollars then all it would do is wipe the overdraft out or lessen it. I didn't serve this country to be pushed around by a company that doesn't get customer service, they only care about a ********************** reviews, don't worry theres other ways to skin a cat.

  
  Sincerely,
  
  ******* *****

  

  Business Response

  Date: 03/31/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  Below is a more detailed explanation of what was reviewed by our *************** team.
  
  CAPTURED FUNDS
  2/25/2025 - 22 sales totaling $2,524.86 (100% HOLD) ($2,613.24 - ***** Daily Discount)
  2/26/2025 - 8 sales totaling $1,097.83 (100% HOLD) ($1,136.26 - ***** Daily Discount)
  2/26/2025 - ACH Debit for $1,762.75 ($2,613.24 - ****** Rejected Debit)
  TOTAL FUNDS CAPTURED = $5,385.44
  
  AMOUNT OWED TO MLS
  3/13/2025 - $3,911.32 ($3,749.50 Rejected Refunds + $126.82 Daily Discount + $35.00 Reject Fee)
  
  AMOUNT RELEASED
  3/19/2025 - $1,474.12 Released
  3/20/2025 - Account CLOSED by ********************** due to HIGH RISK activity
  
  The events above were triggered due to method in which you took payments on your point-of-sale device. The documents you submitted for review uncovered that you were accepting partial payments from your customers based on a "verbal agreement" that was not for the full amount being invoiced. Unfortunately processing these types of partial payments through your credit card terminal with no supporting documentation is prohibited according to your Merchant Processing Agreement.
  
  It is important to understand that Merchant Lynx Services is 100% liable for every transaction submitted to our front-end/back-end platforms. In order to maintain our relationships with the Card Associations and Issuing banks, we must adhere to certain rules and compliance standards. With that being the case, we do reserve the right to open an investigation on any transaction or transactions that carries a certain level of risk that is flagged by our systems.  To better understand the payment processing environment, we recommend reviewing the Terms and Conditions of your Merchant Processing Agreement (MPA), which can be found online at *********************************************************************************************.
  
  If you have any additional questions about your specific case, please contact our *************** team at ***********************, or *****************************************************************.
  
  Sincerely,
  Merchant Lynx Services
  

  Customer Answer

  Date: 04/01/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:
  THERE'S A DISCREPANCY BETWEEN HOW MUCH WAS TAKEN FROM US AND HOW MUCH WAS RETURNED, WITH ZERO EXPLANATION AS TO WHY ANY OF THE AMOUNT WAS KEPT, JUST THAT IT WAS KEPT. I NEED AN EXPLANATION AS TO WHY ANY AMOUNT WAS KEPT. OTHERWISE I CAN DO THIS ALL YEAR AND I WILL KEEP FIGHTING, ITS EASIER IF YOU GUYS JUST GIVE US WHAT WE NEED. YOU CLOSED OUR ACCOUNT AND KEPT MONEY LOCKED UP FOR A MONTH WITHOUT ANY REAL CAUSE OTHER THAN "ITS FRAUD".
  

  ******* *****

  

  Business Response

  Date: 04/02/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  When the transactions were originally authorized and flagged for review, they were placed on a 100% HOLD, which moved the entire authorized amount into a RESERVE account while your case is being investigated.  In this case a total of $5,385.44 was moved into RESERVE.  Ultimately, the investigation concluded that all sales totaling $3,749.50 needed to be refunded back to the cardholders as they would not be processed for settlement based on our assessment.
  
  The refunds were to be debited from your *** and sent to the cardholders.  Although the funds to cover the debits were held in RESERVE, the refunds would have to go through the normal processing rails which links to the *** we have on file on your processing account. Once those refunds reached settlement, the remaining balance in RESERVE would be released to your *** to cover the refunds that were debited which would've balanced out your account. (NOTE:  A 7 day waiting period is required for the refunds to clear before RESERVE funds can be released).  However, that process was disrupted when your bank rejected the debits for the refunds due to a stop payment that was initiated. So instead of being debited from your ***, the funds were pulled from the RESERVE balance and used to fund your cardholders. This lowered the RESERVE balance from $5,385.44 to $1,635.94.  When then subtracted $126.82 for our processing fees and a $35.00 Reject Fee as a result of your bank rejecting the debits.  The remaining balance was released in the amount of $1,474.12 on 3/19/2025.
  
  At this time there is no additional information to share. Our *************** team has concluded their investigation and your account has been closed.  If you have additional questions please reach out to our Support team at ************ or email ********************************************************************.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 04/03/2025

   
  Complaint: 23020215
  
  I am rejecting this response because:
  I was never aware of any of the policies since I was signed up through another merchant and they swapped out our halo branded machine and stated this new machine is the same. I never signed up to have your machine, never requested it, never went over **** agreements and I didn't decide to send to claim fraud on my account that I never signed up for, you had my email and phone number incorrect and had it attached to another business. I run an mobile franchise of a professional tool company, you had us down as a brick and motor hardware store. We have requested countless times any piece of paper with my signature on it and havent received a single piece of paper with any of my information that I signed from my ip address at my home, probably because their aren't any and you have burden of proof I don't I can prove I didn't sign up for your services. 
  

  annoyed,
  
  ******* *****

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have attempted multiple times via phone to contacts merchant lync services. For multiple transaction that were taken out of my account. I was not given the id or contract by the agent who signed me up for the service. I would like those amounts refunded and close my account.

  

  Business Response

  Date: 03/03/2025

  MOBILE REPAIR TECH / 9246*****191339
  

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.

  After reviewing your account, we are unable to identify the issues addressed in your complaint.  For reference, copies of your Merchant Processing statements have been attached for the months of Jan-25 and Feb-25 showing the fees you were charged.  For your security, we have redacted any sensitive information on these documents.  Based on our review, the fees you were charged were the result of the sales you submitted through the point-of-sale system for each month.

  In order to close your account, we would be more than happy to help you with that, however you would need to contact our office directly and go through our validation process.  Please contact us at **************.  Our general support hours are Mon-Fri 8:00AM - 8:00PM, excluding federal holidays.

  Sincerely,
  Merchant Lynx Services

  
  

• Initial Complaint

  Date:02/13/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I own a business and had two customers give a deposit for a parts order. The merchant had received funds from both customers. Several days passed, and the funds were never deposited into our bank account. After several phone calls, I was told our account was a risk account due to running a $6000 transaction, and the funds would be on hold for 180 days. The customer decided to take his business elsewhere and requested a refund. We processed the refund via the merchant processor. The merchant have since closed my account.. The ********************** keeps saying that we HAVE TO complete the *** for a customer we no longer have and they will not release funds to either the customer nor me. The customers have placed disbutes on their charges, until today. They have took out the disputed amount from my bank account for the customers. This is beyond ridiculous, and I demand that this merchant release the funds to customers or me. I did everything right by my customers by ********************** refunds that this merchant did not want to honor, and the client filed disputes to claim their funds. The merchant charged "MY BANK ACCOUNT" for funds they have as the merchant on hold and refuse to ********** SMALL BUSINESS CAN HOLD or FRONT COSTS FOR 180 days.

  

  Business Response

  Date: 02/14/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  As part of the ongoing investigation in this case, we have placed a temporary hold on the funds that were submitted through our systems until our investigation is completed. Although this process may delay the settlement of funds you were expecting to see posted to your account, it is a necessary precaution we take to protect both you (merchant) and Merchant Lynx Services (processor).
  
  It is important to understand that Merchant Lynx Services holds 100% liability for every transaction submitted through our front-end and back-end systems.  With that being the case, we do reserve the right to open an investigation on any transaction we feel carries a higher level of risk.  This is defined within the Terms and Conditions of your Merchant Processing Agreement (MPA).  For a complete list of our Terms and Conditions, please visit:  **************************************************************************************
  
  With this being an ACTIVE case, we encourage you to work with our *************** team to resolve your case.  *************** can be reached at ***********************.
  
  Sincerely,
  Merchant Lynx Services

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,My name is ******* ******,I am the owner of ***************...I am reaching out to about my account that was closed abruptly, and I am still being billed directly by the agent through his personal company. I never signed any contracts to be billed directly by him. He is stating he is billing me for the fees for not meeting the quota that merchant lynx is billing him.I should only be billed through Merchant lynx and no other third parties. I was billed over 10 times various amounts, sometimes billed 2 or 3 times a month. My business checking account information has been compromised. I never agreed verbally or on paper to be billed by him directly. There are no supporting documents proving such.

  

  Business Response

  Date: 02/07/2025

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  After further review, we can confirm that your account was CLOSED on 1/27/2025 with Merchant Lynx Services.  If you would like to have your account REOPENED, please contact our office at ************** and one of our support specialists will be able to assist you getting that setup.  We would recommend reaching out to your Sales Agent to discuss the fees that are being billed from their office as these would not be fees Merchant Lynx Services would be able to research.
  
  We look forward to working with you in the future.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 02/26/2025

  The agent mailed a refund check. The complaint has been resolved.

• Initial Complaint

  Date:12/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On November 4th, 2024, MerchantLynx debited my bank account for $228.93. I do not know why they did it and when I made contact they advised me that they would correct it. A month later, still not corrected.

  

  Business Response

  Date: 12/30/2024

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  Upon further review, the amount of $228.93 are your processing fees for the transaction activity we processed from Oct 1, 2024 through Oct 30, 2024.  For your convenience, a copy of your Oct-24 processing statement has been attached to this response.  At this time, no corrections are scheduled to be made to your account as these charges can be confirmed via your processing activity.
  
  If you have any questions about your statement, please contact our office at **************.
  
  Sincerely,
  Merchant Lynx Services
  

• Initial Complaint

  Date:11/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contracted with Merchant Lynx to process my credit card payments. I sold my business on 6/28 and no longer needed their services as of August 7, 2024 I was charged an early termination fee of ******. I have a copy of my contract and there is no mention of a "term" to this contract nor was I apprised of this when signing with their agent. I have requested a refund to no avail. I have just check my bank account and another ****** was debited from my bank account on Nov 12, 2024. I have had no business with them since August 7, but they have my bank account information because my fees were pulled directly from my account when I was using them. I am attaching a copy of the intitial agreement. I also have a copy of the cancellation letter I sent on the 7th of August

  

  Business Response

  Date: 12/09/2024

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  PCI ANNUAL FEE REFUND
  After further review, we can confirm that your account has been CLOSED since 8/13/2024. The $199 fee charged to your account was indeed the result of a billing error which you will receive a FULL refund for. A request has been submitted to process a refund in the amount of $199 and will be deposited directly to your account. All refunds are reviewed at the end of every month and processed in the order they are received. If you have any questions about the refund process, please contact us at ************** and reference ticket ID ******.
  
  EARLY TERMINATION REFUND
  After reviewing the Termination Fee charged to your account, we can confirm that this was a VALID fee listed on your Merchant Processing Agreement (***).  Please review the *** you attached to this complaint under the section titled "FEE SCHEDULE" on page 2.  Here you will find the "Termination Fee" of $495 as part of the fee schedule setup on your account. For more information pertaining to the Terms and Conditions of your agreement, particularly pertaining to the termination fee, please visit ************************************************************************************** and reference section 4.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 12/20/2024

   
  Complaint: 22566709
  
  I am rejecting this response because:
  I have not yet received any refund for the new chargers (******) and I know my contract states there is an early withdrawal penalty of ****** but your representative did not explain that to Me, and there ate no terms for the length of this contract listed on it (ie start date or terminations date or length of my contract) I had no idea when the contract would be over!! You have a copy of the original contract so you can see there is no mention of how long this contract was for

  Sincerely,
  
  **** *********

  

  Business Response

  Date: 12/30/2024

  Thank you for taking the time to provide us with your feedback. We understand your time is valuable, so we appreciate your response.  Although we make every effort to ensure your payment processing experience runs smoothly, we understand there are some cases that require additional review.
  
  As previously stated, all refunds are reviewed and the end of the month.  Once it is processed, it typically takes 24/48 hours for the amount to post to your account.  For more information on our refund process, please contact our office at ************** and reference the ticket ID that was previously provided.

  A complete list of Terms and Conditions linked with the merchants MPA can be found at ************************************************************************************* that contains information about your agreement.  Please contact our office if you have any questions about the terms and conditions.
  
  Sincerely,
  Merchant Lynx Services

  Customer Answer

  Date: 01/07/2025

   
  Complaint: 22566709
  
  I am rejecting this response because:

   

  I have still not received my refund of ****** and all the terms for the contract should have been shown on the contract itself not at some remote link. '
  
  Sincerely,
  
  **** *********