Integrity Payment Systems

Find out more about Integrity Payment Systems:

BBB Accreditation BBB Rating Business Contact and Profile Business Management Additional Locations and Phone Numbers Customer Complaint History

BBB Program Participation Government Actions Advertising Review Industry Tips BBB Copyright and Reporting Policy

BBB Accreditation

Integrity Payment Systems has been a BBB Accredited business since May 2005. This means it supports BBB's services to the public and meets our BBB Accreditation standards.

BBB Rating for Integrity Payment Systems

Based on BBB files, Integrity Payment Systems has a BBB Rating of A- on a scale from A+ to F.

Click here for an explanation of BBB Ratings

Business Management

Additional company management personnel include:

Mr. Michael Ponder - President/CEO

Additional Locations and Phone Numbers

Customer Complaint History for Integrity Payment Systems

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB processed a total of 13 complaints about Integrity Payment Systems in the last 36 months, our standard reporting period. Of the total of 13 complaints closed in 36 months, 5 were closed in the last year.

BBB Program Participation

Government Actions

BBB has no information regarding government actions at this time.

Advertising Review

BBB has no information regarding advertising review at this time.

Industry Tips

Contracts

As with any business transaction, be sure to read all agreements, guarantees, and instructions before signing. Do not be pressured into signing an agreement before you are ready and you understand all terms and conditions. Make sure all oral promises are put in writing. Be wary of vaguely worded provisions, exclusions or limitations which could pose a problem later. Never sign a contract with sections left blank.

Credit Cards - Consumer Liability Re: Lost/Stolen

Under Federal law, if your credit card (or your automatic banking card) is used without your authorization and before you report it missing, you can be held liable for the actual amount or up to $50 per card. If you report the loss before the card is used, the card issuer cannot hold you responsible for any unauthorized charges. You are not responsible for any charges made after you notify the card issuer of the loss or theft of the card.

Be sure you know how to notify your credit card issuers in case you find your cards missing and be sure to follow your issuer's directions for reporting unauthorized charges. If you are considering using a credit card protection service, which for a fee promises to contact all you credit card companies for you in the case of loss or theft, be sure to read the contract carefully to check the company's obligations and any liability on your part should the company fail to notify card issuers.

Credit Cards - Offers by Third Parties

When evaluating a credit card solicitation, determine if it is from a bank which actually issues credit cards or if it is from a company claiming to guarantee that it can get you a credit card, regardless of your credit history. If the offer is not from a bank which issues credit cards, but rather from a "credit card processing or procurement firm", you need to carefully evaluate what is involved in the offer.

Many such third party credit card offers involve a fee just to get a credit card application. Once you receive the application, you may learn that you will need to deposit money in an out-of-state bank before getting your credit card. This money will serve as a credit limit or collateral for your account. A collateralized account can, in fact, be a way to prove responsibility in paying credit card bills, but you may be able to get such a card without paying a fee to a third party. Other companies may send a credit card which can be used only to make purchases from the company's own merchandise catalog, rather than the expected Visa or MasterCard.

Credit Cards - Use When Purchasing by Mail or Tele

If you use your bank issued credit cards when ordering merchandise by mail or telephone and find the products to be defective or to have been misrepresented by the seller, and if the seller itself will not issue a credit, you have the right to withhold payment for the merchandise until the dispute is resolved. According to federal law, payment can be withheld only if the purchase exceeded $50 and occurred in your home state or within 100 miles of your billing address.

(State laws vary as to the remedies for consumers when the merchandise is under $50 and if a telemarketing transaction is considered to be in your home state, where you received the call, or outside your state, where the call was initiated.)

Credit Cards

If you would like to listen to a tip on "Credit Cards" 24 hours a day please call BBB's Tel-Tips line at 312-832-0500 and press 8 + # (the pound key) + 1 and key in tip number 118. BBB has many other Tel-Tips on a wide array of topics please call 24 hours a day to hear the menu of topics.

BBB Copyright and Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with Integrity Payment Systems, please let them know that you contacted BBB for a BBB Reliability Report.

ID: 51001938
Report as of November 7, 2009 17:06
Copyright^© 2009 Better Business Bureau