Paycom is frustrating the hell out of me.

[frustrated]

Yeah I've posted this under a fake nick because I don't want the bad-asses at Paycom to kill my processing, but I'm posting here to get some ideas on what I should do to resolve this ridiculous situation. I've continued doing business thinking these issues were a fluke. I no longer believe that is the case.

Basically what's going on, are paychecks being skipped. Payments are being skipped. When I call them, they say it's because 50% of our transactions are NSF ACH joins, and they 'negate' my good credit card joins.

Well last time I checked, Credit Cards equalling $100 + (bad checks) $100 doesn't equate to ZERO DOLLARS. It just means I don't get the ACH funds, only the credit card funds. I want to know where those credit card funds are. I have members rebilling consistently from the day my site launched, and up until last week I hadn't gotten any checks for a MONTH until the Monday before last Monday. They can't tell me that bad checks were negating my funds, because this just doesn't make any sense.

Half of the time I call I get to speak with an Indian lady that barely speaks English. She doesn't seem to give a shit about these problems. The other half of the time I get to speak with someone else that doesn't seem to give a shit about the fact that I haven't been mailed any payments in an obscenely long amount of time. Half of the time they blame it on the bad ACH joins, the other half they say I should talk to the Postmaster.

What would happen if I were to tell my creditors to check with the postmaster when they say they haven't recieved my payment? I don't think that would go over too well.

Bottom line is this nonsense has been going on for far too long. I've got people I owe money and Paycom is not making my life very easy at the moment. I'm having to put my own finances on hold because of these issues, and I'm getting nowhere dealing with these guys. Calling them is like talking to a brick wall.

They offer to re-issue the checks they claim to have mailed, and of course they want a $30 cancellation fee. Talking to the postmaster about mail that doesn't have tracking numbers is pointless.

I used to work for Kelly Services, a temp agency. Paychecks were mailed out each Friday just they way Paycom does, but the difference is I recieved them reliably each and every Monday. Not a single missed check in in over 3 years of working for them. How come these mail problems seem to affect only them?

Here's some facts about my business. I've done about 60-70 joins in the past month valued at $15 each. Most of those are credit card transactions. So with that being said, they still tell me I'm not getting checks because they say I haven't reached the minimum requirements for the checks. I've always had a small loyal member base that would allow the site to reach that minimum on it's own, without even accounting for new joins.

So I'm looking for some real, honest, sincere advice. I'm really fustrated right now and I truely do not know what to do. Has anyone else known of any other small webmasters getting screwed like this? Do they typically use 'lost in the mail' as an excuse to not mail checks?

[RyanLanane]

Ask for the head of the accounting department, I think it is still climmie@paycom.net or something along those lines, if that e-mail bounces write amparo@paycom.net - Amparo used to be the head of accounting so if climmie isn't around or answering your calls she can point you in the right direction.

Worse comes to worse you can always e-mail Rand and tell him about the problems you are having connecting with their reps. The reps in accounting haven't been as solid the last few years as they used to be but if you know the right person to ask for things get done much mroe quickly :okthumb:

Good luck, and let us know how it works out for you !!

<--- Off to bed now

[Biggy]

Does anyone know what bank processes for Epoch?
as in what First Data was to Ibill?
what bank is to epoch?

[Biggy]

Yeah I've posted this under a fake nick because I don't want the bad-asses at Paycom to kill my processing, but I'm posting here to get some ideas on what I should do to resolve this ridiculous situation. I've continued doing business thinking these issues were a fluke. I no longer believe that is the case.

Basically what's going on, are paychecks being skipped. Payments are being skipped. When I call them, they say it's because 50% of our transactions are NSF ACH joins, and they 'negate' my good credit card joins.

Well last time I checked, Credit Cards equalling $100 + (bad checks) $100 doesn't equate to ZERO DOLLARS. It just means I don't get the ACH funds, only the credit card funds. I want to know where those credit card funds are. I have members rebilling consistently from the day my site launched, and up until last week I hadn't gotten any checks for a MONTH until the Monday before last Monday. They can't tell me that bad checks were negating my funds, because this just doesn't make any sense.

Half of the time I call I get to speak with an Indian lady that barely speaks English. She doesn't seem to give a shit about these problems. The other half of the time I get to speak with someone else that doesn't seem to give a shit about the fact that I haven't been mailed any payments in an obscenely long amount of time. Half of the time they blame it on the bad ACH joins, the other half they say I should talk to the Postmaster.

What would happen if I were to tell my creditors to check with the postmaster when they say they haven't recieved my payment? I don't think that would go over too well.

Bottom line is this nonsense has been going on for far too long. I've got people I owe money and Paycom is not making my life very easy at the moment. I'm having to put my own finances on hold because of these issues, and I'm getting nowhere dealing with these guys. Calling them is like talking to a brick wall.

They offer to re-issue the checks they claim to have mailed, and of course they want a $30 cancellation fee. Talking to the postmaster about mail that doesn't have tracking numbers is pointless.

I used to work for Kelly Services, a temp agency. Paychecks were mailed out each Friday just they way Paycom does, but the difference is I recieved them reliably each and every Monday. Not a single missed check in in over 3 years of working for them. How come these mail problems seem to affect only them?

Here's some facts about my business. I've done about 60-70 joins in the past month valued at $15 each. Most of those are credit card transactions. So with that being said, they still tell me I'm not getting checks because they say I haven't reached the minimum requirements for the checks. I've always had a small loyal member base that would allow the site to reach that minimum on it's own, without even accounting for new joins.

So I'm looking for some real, honest, sincere advice. I'm really fustrated right now and I truely do not know what to do. Has anyone else known of any other small webmasters getting screwed like this? Do they typically
ho use 'lost in the mail' as an excuse to not mail checks?

my advice: go with ccbill. I don't like Epoch because I believe they have liberal cross sale rules. Many programs operate on the cross sale model - they buy tons of them every day (which is IMO a lack of quality and inability to generate their own sales, so they buy Xsales and have other people "force" those sales to a site the surfer doesn't even realize hes getting access to). That model has a high CB ratio, and they use other people who operate by generating their own sales as a weight to keep their whole portfolio of sites below 1%. I believe Epoch still allows pre-checked cross sales as just one example, CCBILL doesn't. Thats the main reason I like CCBILL, its a risk factor for me. For a guy who does low volume like yourself, I think CCBILL is your best bet.

I also remember years ago when Epoch failed to pay out reserves, and ignored my emails regarding it. People may have forgotten, but I have not.

[JoesHO]

www.netbilling.com Mitch is a good guy

also the guys at www.myvirtualcard.com are always good to us and never miss a payment we decided not to go with paycom and it has not effected us in the least

we did not like they way they treated us from the word go.

[Winetalk.com]

all this frustration over $100 dispute???????

Do you mind me sending you $150 just to shut you up?
$200?


[small print]
Rand, this is gonna cost you $500, I'll bill you,
I say it's a good invetment for killing bad publicity and your competitors getting free good exposure[/small print]

:)

say YES to my offer today, both of you or I'll be charging you $750 tomorrow and $2000 on Monday
:)

[frustrated]

If you're serious then I'll take you up on that offer, Serge. But somehow I think this was a little sarcasm. I'm being entirely serious and it doesn't really matter what the monetary amount is, does it? All that matters is this isn't right, and I'm pointing it out.

I'm not really looking for humor.

[Winetalk.com]

I am serious and if I can close the other side of the transaction with Rand-
we'll have it done before weekend.

Does anybody have Rand's ICQ?

"Once a broker is always a broker"
;)

[Peaches]

You could always do the smart thing and move your check processing to http://www.wtsbank.com ;)

[Winetalk.com]

Rand, the longer you ignore this thread and my $500 brokerage fee,
the more it's gonna cost you in business.

[TheEnforcer]

Serge DOES NOT joke about money! He'd follow through if all parties involved went for it! :>))

[rand]

Serge... you are one of a kind. :) Thanks for the damage control.. but I'll take if from here. (BTW - I can't beleive we don't have each other on ICQ. Email me!)

Frustrated - I don't know what purpose you have for posting under a fake nic. If you have a legitimate complaint you can speak to me publicly or privately without fear of any repercussion. In fact, I insist on hearing about problems immediately.

As for your complaint that a negative ACH balance is affecting your payouts... without knowing who you are I cannot research your claim and must draw only from the information that you have graciously shared on this thread.

However, if everything you say is correct, let me point out that you have one account with Paycom. That account pays you proceeds from your sales regardless of where those sales come from (MasterCard, Visa, Discover, JCB, ePassporte, Switch, Solo, ACH). A negative balance on your gross sales means you don't get paid. I mean what is Paycom supposed to do? The scenario you seem to hope for would mean Paycom would just absorb your negative ACH funds and continue to pay you otherwise? I'm sorry, it doesn't work like that.

I invite you to contact me directly if there is anything I can do to help. You don't have to worry. I don't bite (hard). If you have a legitimate problem, I will find a way to get it resolved. That's a promise. If you simply don't understand something, I am more than happy to find the answers you need.

You can contact me directly at Rand @ Paycom (dot) net. Put "Paycom / Oprano" in the subject line and I will get back to you asap. Oh, and please identify your account so I can look into your situation.

[TheEnforcer]

Kudos for coming on over and checking stuff out rand.

[rand]

Biggy - I can't ignore your post. Let me respond...

Cross-sales were not invented by Paycom. Thousands of mainstream businesses use the same or a very similar model that we do to sell additional products. Cross sales are not a problem if done correctly with full disclosure and opt-in/out capabilities are in a clear, easy, understandable format. Surfers are savvy to add on sales as shown by the percentage of those customers who opt-out. It's a given fact.

Additionally, and importantly, let me set the recored straight on this matter. Every Paycom client is required to remain below the required 1% chargeback ratio. Every single one. This is regardless of the types of sales they have whether they are initial sales or cross sales. Ask any of the program's who use them if you can't take my word for it.

Also.. regarding reserves.... Paycom is current with its client reserves. Please email me if you have any questions about your account.

[Winetalk.com]

here goes my $500
:(

Rand,
my ICQ list can be measured by the fingers on my hand,
I am no longer in business and as I recall, we never Christened children together
:)

[rand]

here goes my $500
:(

Rand,
my ICQ list can be measured by the fingers on my hand,
I am no longer in business and as I recall, we never Christened children together
:)

Oh how I miss those days of a short ICQ list! I can say that's it's helped relieve my emails though!

If you ever want to chat, sir, you know where to find me. :)

[Winetalk.com]

Oh how I miss those days of a short ICQ list! I can say that's it's helped relieve my emails though!

If you ever want to chat, sir, you know where to find me. :)

Socially - with PLEASURE, we did have some good chats back in a day about the markets
:)

Business like - I am old, semi-senile and I won't waste your time
:)

[PornoDoggy]

Rand, I think you are missing an opportunity here. I'd let Serge handle it - he is the expert.

After all, doesn't he run the whine board?

[Winetalk.com]

Rand, I think you are missing an opportunity here. I'd let Serge handle it - he is the expert.

After all, doesn't he run the whine board?

Rand made a right decission. My fees are very high and amount of his problem is very low,
so...I'd create a few problems myself (anon) just to keep collecting my fees and avoid unemployment
;)

[frustrated]

Serge... you are one of a kind. :) Thanks for the damage control.. but I'll take if from here. (BTW - I can't beleive we don't have each other on ICQ. Email me!)

Frustrated - I don't know what purpose you have for posting under a fake nic. If you have a legitimate complaint you can speak to me publicly or privately without fear of any repercussion. In fact, I insist on hearing about problems immediately.

As for your complaint that a negative ACH balance is affecting your payouts... without knowing who you are I cannot research your claim and must draw only from the information that you have graciously shared on this thread.

However, if everything you say is correct, let me point out that you have one account with Paycom. That account pays you proceeds from your sales regardless of where those sales come from (MasterCard, Visa, Discover, JCB, ePassporte, Switch, Solo, ACH). A negative balance on your gross sales means you don't get paid. I mean what is Paycom supposed to do? The scenario you seem to hope for would mean Paycom would just absorb your negative ACH funds and continue to pay you otherwise? I'm sorry, it doesn't work like that.

I invite you to contact me directly if there is anything I can do to help. You don't have to worry. I don't bite (hard). If you have a legitimate problem, I will find a way to get it resolved. That's a promise. If you simply don't understand something, I am more than happy to find the answers you need.

You can contact me directly at Rand @ Paycom (dot) net. Put "Paycom / Oprano" in the subject line and I will get back to you asap. Oh, and please identify your account so I can look into your situation.

Rand,
How does a negative balance occur exactly? Let's say I have $1000 in NSF ACH transactions. In the same period, I have $100 in credit card transactions. That is what it appears you're calling a 'negative' balance. But where do those credit card funds go? And why don't I recieve them when I should? Are you saying they just disappear? Should I pull the plug on ACH processing with you guys, and process ACH with WTS in order to get those credit card funds right away? I mean, that doesn't sound very logical but it would appear to be the solution to this situation.

Please clarify. The 'negative' funds explanation isn't making much sense.

[Unregistered]

Frustrated, I am sure Rand is assuming you were paid for those sales at some point of time... Meaining 3-4 pay periods ago you got $25 X 4 sales (or whatever) in check signups... they then paid you on them.

a month later (or however long) they come back NSF,etc... Of course they are going to take the $100 they gave you back ... This is the only way I can see what you are saying is happening .. So basically you are missing oput on the fact they already paid you for these signups in the past...

[rand]

The "unregistered guest" is correct.

You cannot simply divide up the method of payments. Paycom is not going to absorb bad ACH transactions that we've previously paid you for. That doesn't make good business sense.

Paycom is an IPSP (Internet Payment Service Provider) and if your ACH balance is negative and your CC sales are positive, your negative ACH balance will be subtracted from your payout total to cover the cost of funds already paid out to you.

I don't see how you could expect anything different.

[frustrated]

Frustrated, I am sure Rand is assuming you were paid for those sales at some point of time... Meaining 3-4 pay periods ago you got $25 X 4 sales (or whatever) in check signups... they then paid you on them.

a month later (or however long) they come back NSF,etc... Of course they are going to take the $100 they gave you back ... This is the only way I can see what you are saying is happening .. So basically you are missing oput on the fact they already paid you for these signups in the past...

Well that's an interesting theory. I'm curious to hear Rand confirm if this is indeed the case. It seems what is happening is that they aren't paying on bad ACH joins, but merely negating the bad ones within the same pay period as the credit card transactions. In essence subtracting the ACH's from the CC's.

And that's what doesn't make sense to me. ACH's should only negate themselves, not all my other transactions.

[frustrated]

The "unregistered guest" is correct.

I don't see how you could expect anything different.

And I wouldn't expect anything different. But that hasn't been the way this appears to be happening. When I go weeks and weeks, and weeks, without seeing a check in the mail (with a handful of active recurring members) this gives me some real cause for concern. My sales have been there. The checks haven't. The negative ACH explanation is sounding more and more like an excuse than anything legitimate. That's gone on for a real long time now. And when I don't recieve checks that Accounting says have been mailed, that doesn't make me feel too good either. Kinda makes me think something's going on behind the scenes that I'm not being told about.

[rand]

And that's what doesn't make sense to me. ACH's should only negate themselves, not all my other transactions.

Nope. Doesn't work that way.

Who's to say you'll have future ACH sales? Who's to say they won't be bad as well?


You get a payout from Epoch that includes all ACH and CC sales. We don't send you a separate payment for each payment method. Why would you expect us to absorb your bad sales in hopes that you might sometime in the future have good ones to make up for them? Money is money. The derivation of those funds doesn't matter. Yes, if you send your ACH transactions somewhere else you won't run into this, but if WTS has seen this thread they may not want your business based on your history. (Oh, but you're anonymous here, they won't know).

[rand]

And I wouldn't expect anything different. But that hasn't been the way this appears to be happening. When I go weeks and weeks, and weeks, without seeing a check in the mail (with a handful of active recurring members) this gives me some real cause for concern. My sales have been there. The checks haven't. The negative ACH explanation is sounding more and more like an excuse than anything legitimate. That's gone on for a real long time now. And when I don't recieve checks that Accounting says have been mailed, that doesn't make me feel too good either. Kinda makes me think something's going on behind the scenes that I'm not being told about.

I can assure you with 100% certainty that nothing is going on behind the scenes to keep you from getting your payments (unless law enforcement is involved, which... since I don't know who you are I can't check into that). Paycom has a reputation to uphold and thousands of sites which depend on us to do our job. We would not be engaged in anything fishy at any level, much less over a few ACH transactions. Trust me.

However, until you tell me who you are and what account is yours, I don't see how we can discuss this any further. I can't answer questions about your account when I don't know who you are. I've told you all that I can from an outside point of view.

[ThrobX]

:scratchin Feel free to call me stupid, but I have no idea why "frustrated" would have a problem here. Bad checks don't just pay for themselves, the money has to come from somewhere. I'd think it's one thing if the check bounces immediately, during a pay period, so the webmaster portion never gets paid out in the first place. But if Paycom's paid a split on a check, then the check bounces later, well, that money's gotta be paid back somewhere somehow. Seems like extremely simple math to me.

If there's a billing provider that's willing to go out of pocket on bad charges for me, oh, PLEASE spam me. LOL

[frustrated]

Listen Rand, consider this: (1) I think I may be able to remember LONG ago when once my ACH funds out-weighed my CC funds, maybe. (2) Now, let me humor you and say that maybe your right Rand. You're right in saying that 100% of my ACH transactions turn up NSF (damn thats a stretch, but i'll give it to you). (3) If that RARE possiblilty is realized then take your idea of combined ACH and CC sales and chew on this: As long as my CC funds outweigh my ACH funds month after month after month, there should be no reason why I would ever end up with anything less than a positive balance. I'm sure you agree that Paycom should honor a positive balance with a paycheck right?? Well, I'll repeat myself....It's been weeks Rand, I don't have a paycheck.

[Biggy]

rand, thanks for the heads up.

we will look into picking up epoch as our secondary, maybe even our primary :)
nickatilynx says nothing but good things, and that goes a long way with me.

[rand]

As long as my CC funds outweigh my ACH funds month after month after month, there should be no reason why I would ever end up with anything less than a positive balance. I'm sure you agree that Paycom should honor a positive balance with a paycheck right?? Well, I'll repeat myself....It's been weeks Rand, I don't have a paycheck.

This is turning away from an ACH vs CC payouts issue to one of missing payments. Assuming that your CC sales outweigh your bad ACH sales, and, that you have a balance of at least $50 owed to you (the minimum payout required to generate a payment), then yes... you should get a check.

If all of the above is true, then yes.. something is wrong if you have not received a check. You are able to log in to Epoch reports and see what money is owed to you. I invite you to do that. If you cannot determine why you may be having a problem, next verify your mailing address with accounting and let's make sure our records are accurate. If you've received payments from us before and haven't moved then you should be okay there. Lastly, if thiese steps don't solve the mystery, send me your company code and I will find out what's going on. If Paycom owes you money, you will get it. If you owe us money, we will pay you once you have a positive balance exceeding $50. Fair enough?

[rand]

rand, thanks for the heads up.

we will look into picking up epoch as our secondary, maybe even our primary :)
nickatilynx says nothing but good things, and that goes a long way with me.

Right on! Yeah! Woo hoo!

You really should have us on a cascading system anyway and I'd love to find out if we could boost your sales. Some sites do better with CCBill, and some do better with us. If you drop me an email with your ICQ info I'll add you and help you with whatever you need.

Oh, and here's a shout out to nickatilynx! Coolness!

[Winetalk.com]

Fuck Nick!

Where was he when I was putting my balls on the line at 3 am in the morning?????

If I don't get my basket for Xmass this year-
I'm filing at 9th District Federal Court in San Francisco.

Fuck Nick! He is canook, what HE can do to you????
;)

[Winetalk.com]

P.S. LL never slept with Judge Roberts, The Supreme Court Jusrice nominee, but....
:)

you know that Nick hasn't slept with him 100% GUARANTEED!