BBB Accredited Business since

Paymentwall, Inc.

Additional Locations

Phone: (415) 707-9920 Fax: (415) 684-7780   View Additional Email Addresses http://www.paymentwall.com



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Description

This company offers payment solutions for digital applications.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Paymentwall, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Paymentwall, Inc. include:

  • 50 complaint(s) filed against business

Factors that raised the rating for Paymentwall, Inc. include:

  • Length of time business has been operating
  • Response to 50 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

50 complaints closed with BBB in last 3 years | 21 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 20
Billing/Collection Issues 7
Delivery Issues 1
Guarantee/Warranty Issues 1
Problems with Product/Service 21
Total Closed Complaints 50

Customer Reviews Summary Read customer reviews

3 Customer Reviews on Paymentwall, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 3

Additional Information

BBB file opened: July 15, 2010 Business started: 04/09/2010 Business started locally: 04/09/2010 Business incorporated 04/06/2010 in CA
Type of Entity

Corporation

Business Management
Mr. Honor Gunday, CEO Terry Chan, Operations Ms. Kimberly Laddaran, Customer Relations
Contact Information
Customer Contact: Terry Chan, Operations
Principal: Mr. Honor Gunday, CEO
Number of Employees

151

Business Category

Mobile Apps Internet Services Internet Shopping Internet Gaming Internet Selling Services Payment Processing Service

Alternate Business Names
Paymentwall Inc.

Customer Review Rating plus BBB Rating Summary

Paymentwall, Inc. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of B.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • San Francisco, CA 94103

  • 235 9th Street

    San Francisco, CA 94103 (415) 707-9920

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

6/23/2016 Problems with Product/Service
4/9/2016 Billing/Collection Issues
3/14/2016 Problems with Product/Service
3/11/2016 Problems with Product/Service
2/29/2016 Advertising/Sales Issues
2/4/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My wife's debit card was used to make unauthorized charges and they will not return my email. A series of transaction was done using my wife's debit card. I sent an email and they responded that I needed to create an account. I did and informed them of that. They then responded with information asking the name on the card and the company the purchases were to. They asked if the charges were recognized. I responded back confirming my wife's name and that the charges were not authorized. The first 3 were done 12/22/15 and the totals for those are $7.50, $11.25, and $33.75. The next two were done 12/23/15 and the totals for them are $7.50 and $3.75. The last charge was done on 12/27/15 for $81.25.

Desired Settlement: I want the money to be refunded.

Business Response: Initial Business Response /* (1000, 5, 2016/01/18) */ Hello, We have received *********** email, and has been in correspondence with our Customer Support. Mr. ***** was very cooperative and was able to provide all the information we need to check on the matter. It was forwarded to our Risk Team, which upon investigation, discovered that the charges were made by someone within their household. Please understand that in cases of friendly / family fraud, responsibility is given to the card owner. Mr. ***** was told that the transactions will not be refunded. However, we assured him that the credit card details have already been blacklisted from our system to prevent possible future charges. Thank you.

1/12/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: $50 was changed to my bank account, identified only as PaymentWall. I cannot verify this. My bank says without verification, the payment not happen I cannot identify and verify the transaction.

Desired Settlement: If verified, then I ask that better information is provided in the transaction because it is not not transparent.

Business Response: Initial Business Response /* (1000, 6, 2016/01/08) */ Hello, We found a transaction that matches the name and amount provided. We will contact Mr. ******* via the email address indicated on the complaint form to verify the charge. We are a payment platform for numerous websites, which is why what appears on the bill is "Paymentwall." However, this is indicated on the checkout page where the purchase is made. Thank you. Initial Consumer Rebuttal /* (2000, 8, 2016/01/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) The company provided me with the necessary information and the information was verified. I also indicated to the company that they need to have a better policy to that changes made via their service are transparent to clients.

1/5/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Multiple Billed for items and no receipt or correspondence for inquiries and emails. I originally purchased coins for use in an online game. went through with no problems. went to purchase again within 24 hours and it was denied. i created an account and tried with a different credit card. again same issue and denied services. now there is multiple 100 and 90 dollar charges to my card instead of 1 that should have gone through. contacted game site and was told to contact paymentwall. sent multiple inquiries and emails over the last 48 hours and still no reply. tried to call directly to no avail and mailbox is left full so unable to leave a message for anyone to return my call. what kind of business are you trying to run here!?mt credit card company has sent me an email for fraud purchases with my cc. i will be contacting them to have this matter solved if no reply within the next 24 hours.

Desired Settlement: reply to emails and inquiries as well as receipt of goods purchased with email confirmation. cancellation of multiple charges to card as well as the refund of any charges to completly go through.

Business Response: Initial Business Response /* (1000, 8, 2016/01/02) */ Hello, Upon checking, Mr. ****** first made a purchase on XX-XX-XXXX for 70.00 USD. After which, he made several payment attempts, which were cancelled by his bank / credit card provider. We would like to stress that the payments Mr. ****** is referring to were initiated but not finalized transactions due to payment errors. The restriction did not come from Paymentwall, but rather, the following message was received from his bank: "Card number is empty or invalid." Furthermore, Mr. ****** sent a couple of inquiries via ********@gmail.com on 12/07/2015, which were both answered the next day. All in all, we would like to confirm that these are the only successful transactions made by Mr. ****** to date: 12/06/15 - 70.00 USD 12/08/15 - 90.00 USD 12/29/15 - 70.00 USD 12/29/15 - 70.00 USD All credits for these purchases have already been delivered. For any other concerns, our Customer Support are available, as always, to answer inquiries. Thank you. Initial Consumer Rebuttal /* (2000, 10, 2016/01/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) Response time is horrible. It took them weeks to get ahold of me. **** bank said they come up as fraudulent charges on thier account which is why they blocked my cards from being used there. TD bank and capital one. All is finalized just a shame you need to contact Bbb in order to get a reply

12/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Fraudulent charge for $10.00 made from this company to a Debit Card purchased in 12/15. Gift Debit Card was purchased on 12/6/2014. Less than one month later and prior to me even activating this gift card a charge for $10.00 was processed through PaymentWall on 1/7/2015.

Desired Settlement: A refund back onto my Debit Card in the amount of $10.00

Business Response: Initial Business Response /* (1000, 5, 2015/12/11) */ Hello, As a payment processor, we make security one of our top priorities; thus, we take fraud claims very seriously. If Mr./Ms. ****** feels that this is a fraudulent transaction, we would be glad to assist further. We have our very own Risk & Fraud Team to investigate and solve this matter. However, in order to do this, we need more information about the payment. We weren't able to locate it by simply using the last name indicated on the complaint. We ask that Mr./Ms. ****** provide more details such as the first 6 and last 4 digits of the credit card, as well as the name appearing on the card. We can also be contacted via *******@paymentwall.com. We look forward to hear back from Mr./Ms. ****** in order for us to have it resolved as soon as possible.

12/30/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Refusal to work on verification of my block account and lack of "customer" service and skills. I'll keep this as short as possible without throwing any F-bombs. Exactly on 11/24/XX XX:XX PM I contacted Paymentwall about how I am unable pay with my credit card on pipiload.com and would like my acct lifted. Initially the reply was genuine and only asked for 4 questions and say they'll work on my case as soon as I reply. So I did, now they are asking for more unnecessary documents that I did reply that is not even related to my visa card. None of my concerns are being properly address as they were simply ignored, no empathy was shown nor was there any directions or clarification when ask for instruction. The experience I'm getting right now is very poor, I even requested for a supervisor to handle my case and they ignored my request. I honestly am convince that the paymentwall c/s team really aren't knowledgeable at this point. That being said, I am here to file a complaint and desire a solution to my open case. Please refer to inquiry XXXXXXX for **** ****, email: ******@gmail.com for more detail. But for the sake of this complaint let me address it here.. They want a copy of the receipt of the transaction made on 11/11/15 for 20.00 USD showing 'Paymentwall' as its billing descriptor plus the date and amount of the transaction. But this transaction was conducted with a Electronic Subway Gift Card. I explain to them that there's no billing statement since I didn't pay with my visa card, I screenshot reference paymentwall number wXXXXXXXX on their site and pipiload.com, including a screenshot of my digital receipt of the subway gift card. But instead of answering my question they answer with "Invaild, we need billing statement". I even ask why do we need a statement for a gift card transaction if this is about my visa card, they ignore me, asking me for a "billing" statement that I paid 20USD to paymentwall on 11/11/2015 and that billing statement must have "paymentwall" on it. I asked for instructions and wasn't given any. I even ask, if submitting old bank statements that shows I used payment wall in the past was ok. No response to that either, just "Kindly submit a billing statement." I asked if they can start the process w/o it since in the initial email it was address as optional to speed up the process, when ask to work on the case, they ignore my question and ask for the same thing. My emails were in paragraphs lengths while there's were mere 2-3 sentences of the same thing w/o any clarification. If this doesn't upset any customers, I don't know what doesn't.

Desired Settlement: I would like my account lifted for the card payment option. I also want someone to contact me personally. Someone who can comprehend English and address all of my concerns w/o sounding like a repetitive robot. I already provided everything needed to begin processing my verification, I just don't have any billing statement because your paymentwall website doesn't provide "payment statements". I need this fix and my case solve promptly. I won't ask for an apology, rather just keep in mind to better train your team next time.

Business Response: Initial Business Response /* (1000, 5, 2015/12/12) */ Hello, A restriction was placed on Mr. ****'s account due to security reasons. This may include, but not limited to, a particular payment or a certain trend, which was identified as risky. In order to lift the block, the verification process was put into place, including asking for proof of payment / ownership. The payment system used by Mr. **** sends out receipts, which is what was asked of him (samples attached). We had a continuous communication with the customer. We truly appreciate Mr. ****'s patience and cooperation. The block has already been removed, and this issue resolved on December 9th, 2015.

12/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Bothering customers seems to be Payment Wall's primary occupation I am playing on a private WoW-server and there is the possibility to donate certain amounts of money to keep the server going (donation). As a result, you get "donation points" that can be used in the shop. I have donated the same amount three times on three different accounts ($26.60) and each single time, Payment Wall found an excuse to delay the payment, to put me through some kind of "fraud-check" so everything is delayed. Now, new invention, they demand me to send my ID through to them. I wonder when they are going to ask for a blood sample. There is no way I will send my ID to people I don't know and who treat customers this way (my wife paid three times, and had troubles with them twice. I did better with 3/3). We are used to work on the net, to receive and make payments on the net (we are both living on it), and we have never seen anything like this. We also filed complaint to the server who uses them, so they know why they would not get anymore money from us and we are starting a debate on their forum in the hope that, if we are many enough (as it seems we are), the server will find an alternative and more serious payment method. Customers like us, who are used to payment on the net, we know that the server isn't responsible for the bad treatment of the payment. But many customers buying stuff may not be aware that the company receiving money isn't the same than the company selling and might hold a grudge or complain about the company making the sale. Other possibility, when users have been enough bugged (like it is in our case), they will just refrain from buying from shops using Payment Wall. In short, Payment Wall may be costing shop-owners money. Plus the fact that they make buying experience a pain in the... backside! Regards, *****

Desired Settlement: I had enough of them, so I don't care for whatever solution they find.

Business Response: Initial Business Response /* (1000, 5, 2015/12/02) */ Hello, Just as Mr. ***** mentioned, Paymentwall is a payment processor for different websites. As such, we make it our responsibility to protect both merchants and end-users. One way of doing this is by verifying the transaction once it raises a red flag on our system. There are several factors or certain trends which determine if a purchase may be suspicious. The verification process may include submission of documents, such as identification cards, to establish ownership. We do, however, ask customers to mask any sensitive information such as ID numbers. This whole process is initiated on our end to prevent unauthorized payments. We have an open communication with Mr. *****, and we would be glad to assist him anytime. Our Support Team are always available to guide him through the verification process.

12/8/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Was charged $22.50 twice by paymentwall.com On November 3rd 2015 I received two charges from paymentwall for $ 22.50 twice. I have not done any business or communicated with this website or company. I have read you have this problem before for this same amount. The debit card in which it was charged is under the name ******** J ******. The card number XXXXXXXXXXXXXXXX. I have been in contact with my bank over this situation in which they were the ones notifying me of the transaction. Please email or call me back on the next step to this solution.

Desired Settlement: Full refund of $45.00

Business Response: Initial Business Response /* (1000, 8, 2015/11/19) */ Hello, We have received a call from Ms. ****** regarding this matter on November 5th, 2015. Upon investigation, we have identified red flags from the transactions coming from the credit card number XXXXXX********. All purchases through Paymentwall from this card have already been refunded. Ms. ****** was informed of this when she called us. However, we would like to note that after the refund process, we no longer have a hold on the funds. This means, the time it may take for the money to appear on the customer's account from the time they were refunded would depend entirely with the bank / card provider. Furthermore, we have blacklisted the credit card number from our system, as well as the game account where the charges were made from.

12/7/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They stalled and fraudulently held on to my money till I made a stink. They still have not responded. I bought stuff online with a credit card. They took the money but would not pay the merchant. Said pending. When I contacted them they took almost a week to reply via email. Several exchanges later no explanation but they cancelled the order. No reason given. Upon more attempts at contact. No live person but canned replies time after time. Further frustrating the problem they kept escalating it as if it was my fault. Finally they said we cancelled at your request (outright lie) and your money should be on its way back to you. (2 almost 3 weeks they have played with my money) This is a fraudulent business practice. I asked for a phone number. A week later I got a reply with 2 phone numbers. However the line always goes to voicemail. I have left several replies with my name and phone number. Since it would be easier to get me since I answer my phone. Closing in on 2 months still no call. The good news is after I started reporting their bad business practices I have been told I will have no problem giving them my money from now on. The bad news is every place I complained they sent a canned response the same they sent me that there were irregularities in my account. Bunch of ******** for their fraudulent practices and still NO call or explanation from them. How do you get a reply from a person with an apology for stealing my money? How do you make someone accountable for all of this hogwash? How do you make them answer their calls or return them? Supposedly they are an accredited BBB member which means they gave the BBB money for the sticker. They should have their accredited information checked out and pulled. They are the slimiest of the slimy when it comes to businesses.

Desired Settlement: I want a live person to contact me and apologize for the aggravation they have put me through and to fix their **** service. It is too late for me I will only badmouth them from now on but at least it might stop others from joining me.

Business Response: Initial Business Response /* (1000, 5, 2015/10/31) */ Hello, Mr. ****** made a purchase on October 01, 2015 for 200.00 USD. However, for security reasons, it was cancelled and refunded by our Risk Team on the same day. The status of the transaction should appear as "Cancelled" on the transaction history (from the checkout page). Please understand that once a payment has been refunded, the money is automatically sent back to the user. However, the funds will appear back on the customer's account after a time frame, which depends on the bank / credit card provider's processes. Currently, the account has been cleared of all restrictions, and Mr. ****** should be able to make a payment anytime without any problems. We apologize for the inconvenience during the time our phone system is having a problem. We truly appreciate Mr. ******'s patience on this matter. Initial Consumer Rebuttal /* (3000, 7, 2015/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their delay in a response is atrocious. They didn't tell me their was a problem EVER till I started making a stink to them about why it hadn't cleared. Their FIRST response was they LOST the transaction. That maybe have been the most honest. I gave them all the information again. (this took a week by the way) This is also why their records show the WRONG date. They had already cleared two of my purchases but somehow the third triggered their third? Really? FRAUD. I still have not had a LIVE response from them. I still have not had an explanation on how they lost the transaction. I have not been told why they cancelled it. This is the FIRST time I have heard anything about the risk team and still no explanation about anything. This company is just plain bad news. Did they mention the merchant had to contact them before they cleared my account? Did they tell you anywhere this whole process took almost a month and nothing happened till I reported them to you? And instead of an explanation or an apology all I got was a statement to third parties that my account was cleared and I could start spending money again. The problem is the purchase had a TIMED expiration or it didn't do any good. Where is my recompense for my time and effort and lost purchase? Their is NO patience by Mr. ****** just a fuming unsatisfied customer who is incensed by this companies ********. They can't even tell the truth or all the facts. They wave it off as if by doing NOTHING it will go away. It will NOT until I get some sort of apology or explanation why you or your company should not be part of a class action suit. Maybe they should think about customer service. That means prompt replies. Not canned responses days or weeks later. Maybe they should think about having a live person at the end of a phone instead of an answering machine and no person ever returning calls even when messages are left with phone numbers. Maybe they should remove their BBB accreditation until they fix these problems in their company. Where are the people? Names would be helpful but all they say are generic things like our TEAM which means nothing. I have told them my name, my phone number, my address. I have put out there all the information they need and still they HIDE behind their false anonymity, making excuse after excuse, with no REAL explanation and not feeling contrite at all. NO CONTACT from a real live person from their FRAUDULENT business ever! Imagine if this is how they treat me and I am a vocal person who is well educated how they treat the silent ones or the ones from other countries who don't know how to fight this kind of ****** practices. I have had contact now with several others who have been wrongfully treated by these jerks. This is part of the reason I am making such a big point. They are bad for the BBB they are bad for internet, for the credit processing community and the customers. If they won't come clean and fix their problems then a 3rd party will have to do it. If you can't fix their problems you should at least remove their accreditation because they certainly don't deserve no matter how much money they gave you. LIVE PERSON REAL PERSON Where are they? Even a peon would do but at this point I think this has escalated far enough I should be hearing from a VP or President about this. He also better have eaten a lot of humble pie before he contacts me. Final Business Response /* (4000, 11, 2015/11/23) */ Hello, We understand your frustration, Mr. ******. Please understand that payment details may be asked in order for us to locate it on our system. Furthermore, our Risk Department is cautious in giving out information regarding cancelled payments for security reasons. As mentioned previously, the transaction raised a red flag on our system. This may not always correspond with the credit card's standing with the bank or card provider. However, certain actions are initiated on our end to prevent unauthorized payments. This is determined by several factors or certain trends on how the purchase was made. One of our Customer Care representative have reached out to you. We hope that you accept our apology for the inconvenience you have encountered with the cancelled transaction. Thank you.

11/19/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: was charged outsourcing fee to process payment with no explanation that resulted dispute of my credit card and triggered account block. was charged outsourcing fee to process my authorized $99.99 transaction. The statement of my credit card did not reflect path of the charge and was disputed by me due to luck of the explanation by the paymentwall representatives of nature disputed transaction. After blocking my account they finally explain charge and i canceled the dispute with Credit card provider. Payment wall received from me and my credit card numerous requested documents to close the case and unblock my account. My account still being blocked after one month of holding it closed.

Desired Settlement: Please unblock my account with paymentwall ASAP.

Business Response: Initial Business Response /* (1000, 5, 2015/10/31) */ Hello, Ms. ******** has filed a chargeback claim on one of her purchases via Paymenwall. As explained on her letter, it was due to an additional fee on the transaction. However, we have no control over international charges set by banks or credit card providers. With the chargeback in place, it is a common practice for account-based websites to place restrictions for security purposes. We would have been glad to give further assistance to Ms. ********, but according to our records, we did not receive an email regarding additional fees. Our team was eventually able to win the chargeback. Ms. ******** then requested to have her account unblocked. She was asked to provide documents to establish ownership of account. Please note that we have already lifted all restrictions on her accounts. She may now make a new purchase. Thank you.

11/17/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Unauthorized Charges appeared on my Webster Bank checking account on 10/15/15 for $89.04. Company is a fraud will provide detail report below. On 10/15/15 I noticed an unauthorized charge on my credit card for $89.04 for the company PAYMENT WALL XXX-XXX-XXXX. I contacted the company who told me that they are a third party billing company for Bro Gaming but could not provide additional information. I told them I did not place an order and had no idea what either of these 2 businesses were. I was told they would contact Bro Gaming because they would be the party that could authorize the credit. I took it upon myself as the story I received from Payment Wall was suspicious and contacted Bro Gaming via email and was told they have no record of an order under my name, email or credit card number to contact my bank. Bro Gaming provided email confirmation that they did not authorize the charge nor have any record of a transaction placed by me. I then contacted Payment Wall and gave then this information and forwarded the emails to my bank. The Payment Wall representative insisted I placed the order but could not provide additional information like order history and when I asked to speak to a supervisor and/or someone whom spoke English I was told they cannot do that. They insisted I go on my computer and go to Google and type in "What's my IP address?" I purposely gave them an incorrect IP address and after placing me on hold to provide this address to their risk department the woman came back on the line and told me yes this is your address and the order was placed from this computer and provided me with a email address that is not registered to me. I then notified my bank of the correspondence between both companies and was told not to have further contact and report this company and transaction to the BBB. This company is a fraud and should NOT be allowed to debit consumers accounts without authorization for products or services they did not place nor receive. There are several complaints posted online that Payment Wall has done this to other customers and serious actions needs to be taken. ADDITIONAL DETAILS: Case is being handled by another organization: Webster Bank

Desired Settlement: Refund the unauthorized charge to my Credit Card and take action against PAYMENT WALL for fraudulent activity.

Business Response: Initial Business Response /* (1000, 5, 2015/10/28) */ Hello, We received a phone call from Mrs. ******** on October 16, 2015 regarding a 89.04 USD charge on her credit card. Upon checking, the payment was made by a "***** ********" through a website that sells currency (virtual money) for online games. Paymentwall is the payment processor for this website, which means we handle all payments that go through them. When asked about this, Mrs. ******** said that he is her 10-year-old son. It was mentioned to her that this is not a fraudulent charge, but we will extend our help by contacting the merchant and inquire if the credits haven't been used up yet, then we can ask them to refund the transaction. She was informed to call back after 48 hours to get a status. We received a response from the website stating that the credits have already been consumed, and they were able to provide proof. Mrs. ******** called again on October 19, 2015 and said there is a fraudulent activity on the credit card. She went through the usual investigation for fraud claims. However, it was later on discovered that she already called previously. She started denying that she knows anybody named "*****." She was still informed that the payment can no longer be reversed. Please understand that we do not expect the minor to assume responsibility over the charge, but the card owner is accountable to all charges made through it. Thank you. Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response is not accurate. I was told by Payment Wall when I contacted them on 10/16/15 that the third party was Bro Gaming and that Payment Wall would contact them for the charge. Payment Wall never contacted them and I have email documentation sent to me from Bro Gaming that there was no record of any sale under the last 4 digits of my credit card, customer name, address or phone number. Again, Payment Wall could not provide documentation upon request. In fact, when I called them back stating I spoke with Bro Gaming; Payment Wall changed their story and would not allow me to speak to a supervisor. The only information Payment Wall provided to me was a false email address that they said they had on file for me. Payment Wall proceeded to ask me to go onto Google and type in "What's my IP address" and read them back the number. I purposely gave them an incorrect IP address number and after a couple minutes the representative came back on the line and told me yes that number is registered to my name and computer. Furthermore, I have screen shots of my bank statement showing that after I told them that Bro Gaming has no record of the transaction that they changed the billing name for the charge to TH.Gaming. If you google the website for Bro gaming it brings you back to the original site including contact information for Bro Gaming. Payment Wall has not provided any information as requested other than passing *** blame on someone else! This charge was never authorized nor is there any record of a transaction.

11/11/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Payment by debit card refunded and account blocked without reason. The requested proof sent but account still blocked and no communication. The 28th September I made a donation of $26.65 to Dalaran-WoW.com with my MasterCard from Payoneer.com. This was on behalf of my account ******** there. The payment was pending for an hour or so before it was credited. The 29th September I made a second donation of $26.65 to Dalaran-WoW.com with the same MasterCard. This time on behalf of my account ******* there. The payment was pending. I didn't get any mails from Payment wall - so after a few hours I sent them a mail to hear why my payment still was pending. After all, most payment processors can do their jobs in seconds. No answer from Payment wall. Later I logged into my account again and saw that Payment wall had refunded my payment (or so they claim, because I still haven't received my money) and that my account was blocked because of fraud. I complained about this and was told that I could send screenshots of the receipt from my bank. Which I did. No answer from Payment Wall. I still don't have my money. I don't have the reward for the donation that was never made. And my account is still blocked.

Desired Settlement: Please finish the payment I made for the donation. I don't have the money on my bank account in spite of your refund claim.

Business Response: Initial Business Response /* (1000, 11, 2015/10/24) */ Hello, Mr. ***** made a transaction on September 29, 2015 for 26.65 USD. However, due some mismatches found with the payment, our Risk Team had to cancel and refund the money back. As a result, certain restrictions were applied on the account. In order to make a new purchase via Paymentwall, he needs to complete the verification process by providing proof that he is indeed the owner and have full access to the (debit) card used. Mr. ***** also sent us an inquiry, and we had a continuous communication with him. Through the ticket, he was informed that the transaction was declined and that he will receive his money back. The timeframe provided was 5 to 7 business days, a typical timeframe set by banks. Payments made outside US may take longer, though. Please note that after the funds have been released from our end, we do not have control over it (or how long it will take before it appears back on the customer's account). However, Mr. ***** was provided the authorization code (via ticket), which he can give the bank / card provider to track down the refund. As mentioned, since the money was given back to the user, we have no way to complete the transaction anymore. However, Mr. ***** already sent us proof, and his account has been unblocked. In fact, he was able to make a new payment on October 09, 2015 successfully. To get an update on the refund, he needs to contact his bank / card provider and give the authorization code, which we already emailed to him before. Thank you very much.

11/4/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Unauthorized debit from our account. There is a debit for $46.95 dated 7/22/2015 on our checking account. The actual charge was charged on 7/21/15 at 6:50 using the last 4 of the VCC #****. I have tried numerous times to call the number listed on the charge XXX-XXX-XXXX for more information. On 3 separate occasions I got a man named **** on the other end who continually said he could not hear anything at all and for me to call back later. I have tried 3 different phone lines all with the same reaction from him. The other times I have called I just got a message saying the mailbox was full.

Desired Settlement: I would like an email or phone call explaining these charges and if none can be given I would like a refund in full of those charges. I also would like to make sure no other charges will attempt to be charged through our account.

Business Response: Initial Business Response /* (1000, 10, 2015/10/19) */ Hello, We have found the transaction made on 07/21/15 for 46.95 USD. This payment was made for a subscription. It is a one-time payment and there are no recurring payment associated to it. The payment was made under the card owner's name. We have already blacklisted the card details from our system to prevent further charges. We have reason to believe that this was a legitimate purchase given the information related to it. We have contacted the card owner via email (using the email address provided in the complaint) indicating all the details of the payment. Thank you very much.

10/30/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Paid for a service and never received my refund of $9.53 I ordered some virtual currency from www.moose.com. Live Support Agent Pepsi said I was refunded but to wait on paymentwall probably how they process their payments. I've waited 3 days now and no refund on my debit card for $9.53.

Desired Settlement: Refund to debit card

Business Response: Initial Business Response /* (1000, 8, 2015/10/14) */ Hello, Customer made a purchase on 09/15/XX XX:XX PM (CST). The payment went through successfully, and the merchant was notified (via pingback) that the transaction has already been completed. However, on the same date 09/15/XX XX:XX PM (CST), the merchant contacted us and instructed to have the payment refunded. The 9.34 USD was then returned back to the customer. Generally, there is a 3-5 business days wait period. However, it may take longer than this time frame depending on different factors from their end. Please note that the said time frame is outside Paymentwall's control. The funds have already been released back to the customer, and from which point, only the bank or credit card company can track down the money. We have emailed the customer to follow up on this issue and gave the authorization code, which he can provide the bank to get an update on the refund. We are also not able to find any past correspondence with the customer; hopefully this will create an open communication with him for any kind of additional questions. Thank you so much.

10/22/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Took my money via payment through my VERIFIED PAYPAL ACCOUNT, refuses to deliver what was paid unless I send them a pic of my ID, and terrible support Basically, I play a game for which they accept payments for in game items. I payed PaymentWall with my VERIFIED paypal account, the funds cleared, but PaymentWall refuses to give me what I paid for unless I SEND THEM A PICTURE OF MY ID. NOT ******* HAPPENING. Then, later on, 30 minutes later, they deliver a message that says I will receive what I paid for in THREE DAYS, then via email, they are requesting a random reference number beginning with a "W". These people are extremely unprofessional and TERRIBLE TO DEAL WITH.

Desired Settlement: Give me what I paid for, thieving scamming fraudulent ********.

Business Response: Initial Business Response /* (1000, 9, 2015/09/24) */ Upon checking, ****** ******** made a purchase through his PayPal account on 08/22/XX XX:XX PM (CST). The payment went through successfully. However, due to technical reasons, there was a delay with the delivery. ****** sent us a ticket (inquiry) on 08/24/XX XX:XX PM (CST) to inquire about his order. He was notified right away about the technical difficulties and the issue was escalated to the appropriate department. On 08/24/XX XX:XX PM (CST), the problem was resolved, and the credits were successfully delivered to the customer. We also gave an update to Mr. ******** regarding this via his ticket. We would like to acknowledge that it is a common practice for us to verify accounts by asking additional information / (masked) documents; however, this is not the case with ****** ********. He was not required to submit anything. More importantly, we do not require an ID to provide purchased items. Verification only applies to cancelled and refunded payments. Lastly, as an additional information, at the time of purchase, according to PayPal, the user's account is still unverified. We hope that we were able to shed light to this matter. Thank you so much for your time. If there is anything else we can assist you with regarding this case, please let us know. Have a pleasant day. Kind regards, Paymentwall Team Initial Consumer Rebuttal /* (3000, 11, 2015/09/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) Company flat out lied. I have emails requesting photos of my state ID.

10/13/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I got FOUR unautorized charge of $22.50 each on my credit card on OCT. 6th& 7th, 2015 and I want to know who uses my card & a refund. My credit card company notified me of these unauthorized charges yesterday (oct 6th, 2015) from PAYMENTWALL XXXXXXXXXX in a total of $90 ( Two charges of $22.50 on Oct. 6th, the other two of $22.50 the very next day). Dispite the fact that I called my credit card issuer to dispute the charges, three of the unauthorized charges went through and now the credit card company is investigating this issue. The last 4 digit on my card is 2580. ADDITIONAL DETAILS: Case is being handled by another organization: Capital One

Desired Settlement: I want to know who use my credit informations to make this payment. I also want to be refund.

Business Response: Final Consumer Response /* (2000, 6, 2015/10/13) */ Claim Resolved- The credit card company has notified me and they will credit my account for the full amount in the next 48 hours. While waiting on the credit card agents to resolve the issue, I've also gotten a refund of $22.50 from PAYMENTWALL XXXXXXXXXX on Oct. 10th, 2015.

9/11/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My card was fraudulently used for purchases. The woman I spoke with refused to help in the situation. After noticing 3 fraud charges on my statement, my bank gave me the number for the company. When I called I spoke with a woman named Eve who seemed to be the only person who worked for the company. I advised her of the situation and even though there was fraud committed, she refused to refund the stolen funds alleging that the service was used. She then said I would have to call a different company that was not listed as the company on the statement, rather a company she claims the funds were forwarded to. I then attempted to call back and speak with a different rep at which time my calls were being ignored. I kept getting a voicemail that was not at all professional and seemed to be a cell phone. I called from a different number and Eve picked up again. She refused to transfer me to a supervisor, claiming no one could help me. She then claimed that she would put me on hold for someone as I could clearly hear others in the background and told her I wanted to speak with a different representative. The phone was then disconnected. This company seems to be fraudulent and the service is far below any level of professionalism I have ever received from any company.

Desired Settlement: I would like to have the 3 fraudulent charges refunded. I have two charges for $4.99 and one for $9.99.

Business Response: Initial Business Response /* (1000, 9, 2015/08/19) */ Upon checking, we do have a record of Mrs. ****** calling us. However, what wasn't stated in her complaint was that these purchases (orders wXXXXXXXX, wXXXXXXXX and wXXXXXXXX) are not fraudulent since she confirmed with us that the transactions were made by her son. For cases such as this, we are not able to refund Mrs. ******. This was also explained to her, and we informed her that we will be blacklisting her card details from our system to prevent further charges, which she agreed to. Kind Regards, Paymentwall Team Initial Consumer Rebuttal /* (3000, 11, 2015/08/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) To say that it was not fraud is incorrect. Whether my card is stolen/lost, hacked, or taken by an unauthorized user is fraud. Anyone under the age of 18 without permission from an adult to use a credit card which is not in their name is in fact fraud.

7/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: We are affiliates with PaymentWall and since September 2014 we made over $1000 that they should pay us - they never paid it to us, only give excuses! They should process to us payments once we reach $1000 with them as affiliate commissions. We did reach $1000 in the end of May 2015. They should have paid us already by June but they didn't - here is the recent correspondence with them: July 3, 2015: We were able to verify that your payout will be sent for this month (July). We normally send payouts on the first week of the month and for bank transfers kindly allow your bank 1-3 business days for the transfer to be completed. July 8, 2015: Our apologies for the delay. We are still working to make sure that your payout is sent correctly. July 9, 2015: Your payout is already in queue for transfer this month. Please allow our accounting team 1-3 more business days to send out your funds. July 13, 2015: We are now verifying the status of your payout. You will receive confirmation via email once it has been sent. They are giving us so many hassles and simply being unscrupulous, unethical and this is not the right way to conduct business!

Desired Settlement: To pay us in full for our entire activity with them and never experience such issues like this again. If they have problems we can stop working with them with no problem - but we want to get paid in full for what they owe use since SEPTEMBER 2014!

Business Response: Final Consumer Response /* (2000, 6, 2015/07/17) */ Hello, The company has paid us in full today, so you can close this complaint. Regards, *** ******* Digitech Services Ltd dba Get-Paid.com

7/15/2015 Guarantee/Warranty Issues
5/18/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Just I I ordered some coins on Facebook to use for Topface and it was $9.99 for 100 coins so I never received the coins so finally I got a number on my bank statement which was XXX-XXX-XXXX I called the number and I was told that it showed I should have gotten the coins showed it had gone through and then was told that sometimes it takes awhile to show up. Finally called Facebok and there was no record of me getting the coins so they did help me but had to pay again. Now I am going through my bank statement they have taken $10.00 out of my scooping for January,February,March and now April and of course still have no coins

Desired Settlement: I would like to get my $40.00 back and them quit taking a payment out of my checking account. I authorized it for only one payment of $9.99 and they were scamming me because I never got what I had paid for.

Business Response: Initial Business Response /* (1000, 5, 2015/04/28) */ Ms. ****** first reached out to us on January 20, 2015. Our record shows that the purchased (virtual) credits have already been delivered, which is exactly what was told to her. Topface has a subscription-based pricing, accounting for the monthly payments. The customer was made aware of this through the website's terms and conditions when she joined. Furthermore, as you *** understand, Facebook is an independent company from us. They have no access to our records and vice versa. As action, we have already cancelled Ms. ******'s subscription to stop the recurring payment. We have also contacted Topface to inquire on the credits. Only they have full access to her account to check on the coins. If the credits are still intact, we will ask that they repay the customer. However, if they tell us that the coins have already been used up, no refund can be granted. Either way, we will update this thread as soon as we get a feedback from Topface. Thank you so much. Final Business Response /* (4000, 8, 2015/05/04) */ Hello, We would like to follow up on this dispute. We have contacted the website where the order came from to inquire the status of the account. They informed us that Ms. ****** is not actively using her account; however, she did not initiated a subscription cancellation, which is why she was charged for the past four months. The customer has now been refunded of all charges (total of 40.00 USD). Thank you.

5/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My son, who is 13 years old, used my credit card to make unauthorized purchases from this site. I need a refund for the unauthorized purchases. The charges cleared my checking account on 3/29/15. They were able to track the charges but not refund my money. THe charges were made by a minor without parent consent and I want my funds refunded to my account.

Desired Settlement: I want all funds charged to my account refunded. The charges should easily be reversed due to the nature of the initial charge. Charges were made by a minor without parental consent.

Business Response: Initial Business Response /* (1000, 8, 2015/04/24) */ The transactions made are valid as it has gone through the additional verification process set by the credit card provider. His son was able to provide valid information for the transactions to go through successfully. A refund can no longer be issued because the credits purchased have already been used up by his son. We have blocked the credit card on our end to prevent further transactions from happening. We also suggested the card holder to contact her credit card provider to have her card blocked to avoid her son from using it again on other websites.

5/11/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My 13 yo son took our bank card to make in-game purchases, notified the company within 24-48 hours and was told I would not receive a refund. My 13yo son took our bank card to make in-game purchases and when I notified the company within 24-48 hours, I was informed that they could block his account now and that I would not get a refund for the $34.85. Yet the website that hosts this game was willing to give me a refund for the money he spent in other games. This company which is separate from the other won't. It started 4/6/15 and there were 4 charges of $3.47 and one charge of $20.97.

Desired Settlement: I just want my charges refunded to the card used. They found the account and the charges yet stated they won't refund my money in the amount of $34.85

Business Response: Initial Business Response /* (1000, 5, 2015/04/24) */ The credits ordered for this particular purchase have already been used up by Ms. ******'s son, which is why we weren't able to refund this transaction. We still haven't heard from the merchant to refund the order. However, we have contacted them to inquire on this, and we are still waiting for a response. As further action, we have already blocked the card from our system to prevent more charges being made on the credit card. Final Business Response /* (4000, 8, 2015/04/27) */ Hello, We have received a response from the merchant, and they have no knowledge of any refund request. They also confirmed that the game currency bought have already been used up. Had it been a fraudulent charge, we will be glad to refund the transactions. However, in this case, Ms ****** has full responsibility over the credit card and its safety. Thank you so much for your consideration.

1/28/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Payment transaction, immediately removed from my account, then cancelled by Payment Wall, however refund has not yet been processed. I attempted to make a purchase utilizing the Payment Wall interface on 11/28/2014 at 12:18 pm. Payment Wall took the purchase amount out of my account immediately. Then, the payment was cancelled by Payment Wall, and the transaction was marked as "Cancelled, refunded." The cancellation was also marked as 11/28/2014 at 12:18 pm. However, the payment was not immediately returned to my account. When I contacted Payment Wall to find out what the situation was, I was informed that payment was cancelled and refunded due to security reasons. If there was an issue with security, the money should have never been removed from my account in the first place. Now they are asking for personal information in order to complete the transaction, but they claim that the money was refunded. If the transaction was cancelled and refunded, then why would they need personal information to complete the transaction? How do you complete an alleged cancelled and refunded transaction? And yet I still do not have the money back in my account. I have serious concerns regarding potential fraud with this company.

Desired Settlement: I want an immediate refund of the $9.99 transaction they removed from my account and allegedly cancelled and refunded with the same minute that they took the money. And I should not have to provide any personal information for them to refund the money they removed.

Business Response: Initial Business Response /* (1000, 6, 2014/12/09) */ Hello *****, The refund was processed on the same day the transaction was made. Fortunately, our Risk and Fraud Department was able to screen this transaction as high risk. We have also blocked your credit card on our end so that no further transactions can be made using it. As for the refund, the processing time varies depending on your credit card issuing bank. Standard processing time is 3-5 business days, but some take longer than the others. Rest assured that the refund has already been processed. Initial Consumer Rebuttal /* (3000, 8, 2014/12/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I previously used this exact card for a transaction through their site and there was never a question of high risk. There is no reason the card should have been tagged as high risk the second time but not the first time. Additionally, if it was high risk, as they claim, then why did they do the transaction in the first place? If it was truly considered high risk, the company should have denied the transaction in the first place, rather than processing it and then issuing a refund. Then the company asked for personally identifiable information in order "to resolve" my complaint. If the refund was already processed, as they claimed, then there is no need for me to provide any further information, particularly personal information. Although the money was eventually refunded, there are still questionable practices being used by this company and any consumers should beware the practices. There is never a need to submit a copy of a drivers license AFTER the money was taken and then allegedly refunded. Any identification should be requested prior to the money being taken. Final Business Response /* (4000, 10, 2014/12/22) */ The information is to verify the customer's account so that it could be unblocked, not for the refund. The refund has been processed even before the customer contacted us to ask regarding the status of the transaction. Please contact your credit card issuing bank to inquire about the refund. Here's the transaction authorization code or reference code for the refund we issued: XXXXXX. For further assistance, please email us at *******@paymentwall.com or call XXX XXX XXXX. Final Consumer Response /* (4200, 12, 2014/12/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) If Payment wall deemed my account to have a security issue, then they never should have taken the money out of my account to start with. Any alleged security issues would have occurred with that withdrawal, so their claim is not valid. While I did eventually receive my refund, I was without access to my money for more than two weeks. I did contact my credit card company and they explained that they had to wait until Payment wall processed the refund, contrary to the statements made by Payment Wall that the refund was issued immediately. I have the emails where Payment Wall told me it would be 5 to 7 business days for the refund to be processed, and then after that time period had passed, another email from Payment Wall stating that it would be 8 to 10 business days. It was 15 business days before the refund actually occurred. So Payment Wall can lie to the BBB in their response to this complaint, but I have the written communication which proves otherwise. I will never use Payment Wall again and I warn all other consumers not to trust this company. I have since changed my credit cards, as I deem Payment Wall to be a major security risk, and I do not trust them. CONSUMERS BEWARE, DO NOT GIVE THIS COMPANY ANY OF YOUR PERSONAL INFORMATION.

12/19/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I found fraudulent debit charges on my debit card totaling $33.72 from Paymentwall.com on Aug. 28 & 29. On Oct. 4th, 2014 I saw a total of 11 charges on my bank statement for a total charge of $33.72. I did not make these. I contacted Paymentwall @ XXX-XXX-XXXX on Oct. 4th. Told them I wanted my money back. They refused, saying my kids took my debit card and used it. This is false. My kids never did this. I want to know how I can get my money back and how they got a hold of my debit card number. They refused to refund my money.

Desired Settlement: I want my $33.72 money refunded to me.

Business Response: Initial Business Response /* (1000, 5, 2014/10/16) */ Hello *******, Based on the initial investigation done by our Fraud and Risk Team, the charges that you see on your account were initiated from where you called us from, as verified by the IP address you provided us during the call. This means that someone from your household made these transactions. Paymentwall has no way of obtaining your credit card information or charge your card. These transactions were manually initiated by someone in your household who has access to your credit card information. We have already blacklisted your card on our system so that it would no longer be used on any of our partner merchants. Please be informed, however, that the person who has access to your card can still use it on other websites. Please contact your credit card issuing bank on how you can secure your credit card details. Initial Consumer Rebuttal /* (3000, 7, 2014/10/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response because the reason this "company" had my IP address was because they asked me for it on the phone when I originally called them to complain about these fraudulent charges and I gave it to them! These transactions were not made by anyone in my household. These charges were not "manually" charged because my debit card has been in my possession the whole time. Plus, no one in this household has my password to my computer, but me. I want my refund. Final Business Response /* (4000, 9, 2014/10/29) */ All these charges were made from the same location which matches the IP address provided by the cardholder. We advise the cardholder to contact her issuing bank to add a layer of security for making transactions using her credit card. As we have advised, we have blocked the credit card on our end and can no longer be used with our partner websites. Final Consumer Response /* (4200, 13, 2014/11/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) As I have said in my previous statement, I did NOT make these transactions. My debit card has been in my possession the whole time. They (paymentwall) have my IP address because in my original complaint on the phone with them, they asked me for my IP address and I gave it to them. When I originally called, THEY did not tell me where the transactions were made from. I know now that I should have not given them my IP address because they are now trying to use that as evidence, which is false evidence. I have never heard of Paymentwall until I found their transactions on my bank statement. I am still requiring that they refund me the fraudulent charges of $33.72.

11/20/2014 Problems with Product/Service | Read Complaint Details
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Complaint: MY debit card has been charged around 20-50 every month the last couple months for a product i never used or recieved. starting in june there was a 25 $ charge from payment wall. Then again in july a 103$ charge took place. In august there was two separate 50$ charges. I was told I would be charged these amounts to use items in a game called "world of warcraft" however, the account that had said items I could not access. I would love to have the money returned.

Desired Settlement: I would like to see at least half the money charged...to be returned. Of course I would enjoy an entire refund, but even half would suffice.

Business Response: Initial Business Response /* (1000, 5, 2014/11/03) */ The orders associated with these transactions have already been completed. The customer's account has been banned in the game due to repeated violation of the website's policy. As reported, his violation includes "Harassing and name calling people over and over". A lot of people reported him to be rude and harassing them. He was warned a lot of times. It's his 3rd ban. Our support team has already been in touch with the customer and has communicated with him why his account got banned.

9/19/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: They wouldn't allow me to make a payment for a online game purchase. Problem date and purchase date is today August 18, 2014. Paymentwall Order #wXXXXXXXX. I tried to buy currency for an online game; 12,000 game gold for $300 via credit card. They told me that the payment will be refunded due to high risk. They wanted me to take a screenshot of my online credit card account showing the transaction I made with Paymentwall, but I am unable to do so. And, they do not seem to be very helpful in being able to make the transaction go through.

Desired Settlement: They already said my payment has been refunded and I have to wait 5-7 business days. However, I wanted to be able to purchase currency for this online game I am playing and now I am unable to do so. Since I can not make the purchase for the currency for this online game I am playing with my credit card; I'll accept the refund, but I want them to pay for the in-game currency that I cannot seem to purchase myself.

Business Response: Business Response /* (1000, 16, 2014/10/27) */ Our customer support team was in contact with the customer on August 18th. We have sent instructions to have his account verified before we allow him to make another transaction. The customer did not contact us anymore to have his account verified. A refund has been issued for the transaction done by the customer. Consumer Response /* (3000, 18, 2014/10/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept their response because the instructions they sent did not work. I even told them that it did not work, and all they did was keep sending the same instructions. After receiving the same response multiple times, I wrote: I am not having a good experience with this service. I'm trying to spend money on a game; which i know is kind of a lot. It is my credit card and it has the available credit for it. If I could take a screenshot, I would, but my keyboard print screen button is not working. I am getting tired of waiting on receiving something I expected right away. If I have to wait to long, I will send a report to the Better Business Bureau. I did receive a refund; but their effort into helping resolve the issue was very poor. Business Response /* (4000, 20, 2014/11/04) */ As we have advised you in the inquiry, kindly submit requested verification document so we can verify your account. Once we have verified your account, you should be able to make further transactions. To resolve the issue, you may reopen Inquiry ID XXXXXX. We are waiting for your update on the ticket. Thank you. Consumer Response /* (4200, 22, 2014/11/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) The only advice I received was to submit a screenshot, which I have said I am unable to do. I was not given any other advice. Your (Paymentwall) customer service is poor and not very helpful, and because of this I am not going to use your service; and you deserve a negative rating.

8/21/2014 Problems with Product/Service | Read Complaint Details
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Complaint: They refuse to give me my points even though I submitted proof that I completed the offer. On June 17th 2014, I completed an offer on PaymentWall page on Instagc.com. I never received the 164 instagc points that were promised. I filed a ticket with them on June 19th. They sent me an e-mail requesting a screenshot showing that I had completed the offer. I uploaded the screenshot that they requested. I heard nothing further from them until July 12th saying that they couldn't find any record of completion even though I sent them a screenshot proving that I did complete this offer. I have had no further communication from them since then. Here is a copy of the e-mail confirmation that I received for completing this offer. The message is not flagged. Click to flag it. Your Auto Insurance Quote Request Print From usinsuranceonline.com Mail To *****@hellokitty.com Date Jun 17, 2014, 12:57 AM Thank You For Submitting a Quote! Thank you for submitting an insurance quote! Insurance agents will be contacting you soon with competitive insurance rates. While you wait, considering clicking below to get a few more quotes from trusted carriers. That way you can make sure you get the best rates!

Desired Settlement: I want the 164 points credited to my instagc.com account. User ID: *************

Business Response: Initial Business Response /* (1000, 5, 2014/08/17) */ We cannot award the rewards for this offer as our system has flagged the conversion as high risk. For additional information, we can be contacted through *******@paymentwall.com. Initial Consumer Rebuttal /* (3000, 7, 2014/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response makes no sense at all. How can it be considered high risk? I completed the offer with valid information and submitted proof that I did so. When I originally filed a ticket for this offer, you requested a screenshot which I submitted right away. You made me wait over a month for a response and then denied me. And in response to your last posting on the ticket on Instagc.com, I did NOT use a proxy server to complete this offer. That is a complete and total lie that you are using to get out of paying me what I have rightfully earned. I am located in the USA and I accessed this offer directly though PaymentWall's offer page on InstaGC.com. The only resolution I will accept is the full 164 points credited to my InstaGC.com account. Final Consumer Response /* (2000, 10, 2014/08/21) */ PaymentWall has still refused to make it right but InstaGC credited my account for the missing points. Please close this case as resolved but not by PaymentWall. Thank you, ******* *****

8/19/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The non delivery of paid for items. On 8/7/2014 i purchased a $50, $10 and a $5 gold increase for the game Bleach online. I did not receive the items. I made and inquiry and have received a single response as to the payment method and other pertinent information. I paid using 2 $25 Subway gift cards and a $15 Subway gift card. I have bought multiple times like this before and had no problems til now. The issue I have is the total lack of response to my inquiries and emails to get this resolved. I first gave it a couple hours, then I left it for 12 hours. Now it has been over 24 hours since the purchase and still not one response.

Desired Settlement: I just want the items I paid for. Do not want anything else. It is not acceptable to have no response to inquires about money spent to their company.

Business Response: Initial Business Response /* (1000, 5, 2014/08/17) */ These orders have already been completed by the following day. If the customer should need further assistance, he could reach us via any of the inquiries he opened or call XXX XXX XXXX. Initial Consumer Rebuttal /* (2000, 7, 2014/08/19) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/9/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Taking unauthorized charges from my bank account. On 5/8/14 and 5/9/14 took close to 70.00 in 6 seperate charges from my account. Claimed someone in my house made them. Was not even home and provided company with the 2 IP addresses I have in my house. Claimed there was nothing they could do but would not provide what IP address they claimed that was used. Had seen charges from payment wall 415 on previous month statement, like 1.50 here and there but was near when payments for house insurance and car insurance was taken from my account. So i assumed they were charging me a fee. But when charges started coming out like 20.70 and 11.00 and other charges over 10.00 were coming out I contacted my bank. Paymentwall since other charges were not disputed they would not do anything. But again i know i should not have assumed. Had a stint put in my heart and have been kind of busy with rehab. And now having hard time getting my money back. I had allowed made a charge for my son through microsoft after that the paymentwall charges started showing up.

Desired Settlement: I want the money they took back.

Business Response: Initial Business Response /* (1000, 5, 2014/05/21) */ Our Risk and Fraud Department is currently investigating the transactions in issue. We will be working with your credit card issuing bank. Once we have our findings, we will coordinating with the local authorities with the information we have to file a possible charge to whoever made these transactions.

5/30/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Paid for services and have not received what I have paid for 4/13/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX 4/14/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX 4/14/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX 4/15/XXXX XX:XX AM payment of 133.35 #wXXXXXXXX I made 3 transactions so I am assuming one of these is a reprocess, and only 3 are on my two credit cards: a Discover Card and a Visa Card Visa completed on 4/16/2014 Discover completed on 4/15/2014 and again on 4/13/2014, these are the dates of completion shown on my credit card statements. Discover I used twice and Visa once. The three transactions I made all ended with a notice that to prevent theft of information they would hold off on processing the payment. All three times the money has been taken but no services have been rendered. I have emailed company a few times and they have responded. The last email I got from them was saying that wXXXXXXXX and wXXXXXXXX were successful and transaction wXXXXXXXX was not and I would not be charged for it. I emailed them back saying I see that the money has been taken but I have not received anything yet (4/29/2014). I emailed the site I donated money to, Dalaran Wow, thinking maybe it could produce something to assist in the process or maybe its an issue on their side of things but something somewhere is messed up because I clearly see the transactions out of my account and have not received $400 worth of services.

Desired Settlement: Either a full refund of the three $133.35 transactions or the service I am supposed to receive for this money.

Business Response: Initial Business Response /* (1000, 7, 2014/05/21) */ The purchase for the transactions below have been credited to the card holder's account: 4/13/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX 4/14/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX 4/15/XXXX XX:XX AM payment of 133.35 #wXXXXXXXX We have verified that this did not go through and the card holder has not been charged: 4/14/XXXX XX:XX PM payment of 133.35 #wXXXXXXXX For further assistance or questions regarding these transactions, you may contact us at XXX XXX XXXX. Initial Consumer Rebuttal /* (2000, 9, 2014/05/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)

5/23/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: An unauthorized charge of $49.99 was made to my Visa card on 3/13/2014. My Visa statement came in today and I noticed an unauthorized charge on it. I called Paymentwall XXX-XXX-XXXX directly to try and work in out with them but no answer. Left a message but the have not returned my call. They should cancel whatever order,product,services that may have been involved and refund my money.

Desired Settlement: I want the money credited back to the card since I have to make payment to Visa.

Business Response: Business Response /* (1000, 15, 2014/05/22) */ Hello ******, We have found the transactions associated with your credit card and we have banned this credit card on our system to prevent further charges from taking place. The transaction in inquiry is now on chargeback process with your bank. If you may need further assistance or have any questions, feel free to call us at XXX XXX XXXX. Consumer Response /* (2000, 17, 2014/05/23) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/4/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Unauthorized charges on my Amex card. On January 31, 2014 charges on my Amex card were made while I was at work. I receive immediate text alerts upon each transaction I make so I called Amex to report my card stolen. I got in touch with Paypal who immediately refunded the two purchase amounts made through them. I then called Payment Wall and the man who answered instructed me how to verify my i.p. address, which I did. He said that it was not the i.p. address where the purchase was made from but that because my card was a prepaid card, I had to go through my bank to get the funds back. I filed the charges as fraudulent with my bank and waited for my return. I now find out that Payment Wall is saying my i.p. address is where the purchase came from. That's not only not true but I spoke personally to someone at Payment Wall who as I said previously, confirmed it did not come from my i.p. address. I have one laptop, which is my work laptop. I have two small kids who don't even know how to turn on a computer much less make a credit card purchase. The purchase was for a virtual gaming site. I have never had a membership or even an interest for a virtual gaming site. I have been going back and forth with Payment Wall who never once said they were disputing the charge. They kept putting it entirely on my bank. They even said they would return the 40.27 but because it's a prepaid card, their hands are tied. I would like my money returned immediately. Because they are now telling my bank it did come from my i.p. address, my bank will not issue a return. Payment Wall directed me on how to look up my i.p. address and then is now saying it came from my i.p. address with the information I ignorantly gave them.

Desired Settlement: I would like the 40.27 returned to my account. I did not, nor did my 2 small children make this purchase. I was tricked into giving my i.p. address and now Payment Wall is telling my bank the charges were made from my address. Payment Wall confirmed it was not made from my home initially. I would like my money returned.

Business Response: Initial Business Response /* (1000, 5, 2014/03/19) */ Hello, ******. We have reviewed this transaction and our Risk Team flagged this charge as fraudulent. We have issued a refund for this transaction. Depending on your credit card issuing bank,the refunded amount should reflect on your account in 3-5 business days or the next billing cycle. If you may have any more questions or need assistance regarding this matter, don't hesitate to contact us at XXXXXX XXXX. Kind regards, Paymentwall Team

3/21/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: involving a game from a company they are partnered with naruto.games.la At the end of January and beginning of Feb, I was involved with an online game that allowed you to 'pay to win' aspects, where you pay real money and you get perks in the game that make you stronger and persist throughout your time in the game. I was participating in one of these events when I was disallowed to top-up (pay) anymore, I was given no reason as to why it happened and it lasted throughout the event (i started participating and went to top up and towards the end, I couldn't participate any longer, through no fault of my own) This problem resulted in over 200 dollar investment that was washed out because the company, both paymentwall AND their partner company (the one that actually hosts the game) naruto.games.la it took them about 5 days to fix the problem, a problem THEY created, i've been playing the game for over 6 months and have been paying for different aspects of the game and have never once had a problem until the event i participated in (which also only allowed the top 200 players to get benefits from it). I spoke with my bank (BOFA) and requested a refund from them, they agreed (I also have emails stating that it was an error and i was not at fault for the problem) and after i requested the refund games.la stepped in to come up with an alternative plan so that I don't request a refund of the 200 dollars i put in. So they said they would compensate me in some way, and if i didn't request refund we'd figure it out and find something that we could both agree on (I also have these emails saved and can verify them saying specifically that they are going to compensate me for my troubles). I am under the impression that everything is okay, and am told that the request is already processing so i need to 'top-up' (pay) half the amount back so we could come to some conclusion, I top up 100 dollars again (about 5-6 days AFTER the event has ended and they know it ended) and then that's when their customer service starts responding to me every other day, with the 'we're trying to figure out what we can do' and then one of the last emails the customer service person (********) says " We have discussed your problem with the techs and deveopers, and will give you some solution asap." this was also after they already said they were going to compensate me, but she was saying we need to find out the specific details. then about another 4 days later, she just simply sends me another email and says that there is 'nothing they can do' (or will do). On top of that, not only did they never even refund the initial 200 that i requested refunded, I ended up topping up another 100 under the impression that that would allow them to work with me so it's not a total loss for bother parties and that there was some compromise on both ends. It ended up being me paying 300 for a complaint.

Desired Settlement: I either want what was owed to me and promised via emails (though nothing was specified in what they'd give me, on multiple emails - there were 22 emails exchanged between both parties - that a compensation was in order) or a total refund of what I've put it. It is absolutely ridiculous of how difficult it is to get any customer service between them.

Business Response: Initial Business Response /* (1000, 5, 2014/03/05) */ Mr. ***** account got blocked from making further payments due to the reason that our risk system has flagged his account as high-risk. His account has been verified and unblocked a few days after enabling him to make further transactions. Our Risk Team has been in communication with Mr. ***** regarding his blocked account. We reached him via ********@paymentwall.com We have verified that all the game credits/goods for the successful transactions that Mr. ***** made have already been granted to his account. In fact, Mr. ***** has made several more transactions after February 2nd. Our customer support team will be in contact w/ Mr. ***** to request for a copy of the emails promising the compensation.

3/21/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: there are unauthorized charges to my credit card in the amount of $28.50. purchase date 3/4/2014. $28.50 to visa card.ending in 5951

Desired Settlement: refund to my acct.

Business Response: Initial Business Response /* (1000, 5, 2014/03/19) */ Hello, *******. We have reviewed this transaction and our Risk Team flagged this charge as fraudulent. We have issued a refund for this transaction. Depending on your credit card issuing bank,the refunded amount should reflect on your account in 3-5 business days or the next billing cycle. If you may have any more questions or need assistance regarding this matter, don't hesitate to contact us at XXXXXX XXXX. Kind regards, Paymentwall Team Final Consumer Response /* (2000, 7, 2014/03/20) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/11/2014 Problems with Product/Service | Read Complaint Details
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Complaint: On 12/31/2013, Paymentwall Inc. of *** ***** made a fraudulent charge of $48.77 to my Mastercard gift card. They admit that the charge was fraudulent and have closed the account that was opened by my stolen money but Paymentwall Inc. has refused to reimburse me the money that they illegally charged to my card. **** (XXX-XXX-XXXX), an employee of Paymentwall Inc., said that their company would not return my money.

Desired Settlement: DesiredSettlementID: Refund I would like the amount of $48.77 that Paymentwall illegally charged to my gift card refunded and placed back onto my card.

Business Response: Initial Business Response /* (1000, 10, 2014/02/18) */ A refund has already been initiated for the transaction in issue. We advise *** to get in touch with the prepaid card issuing bank on how the refund can be received.

3/11/2014 Delivery Issues | Read Complaint Details
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Complaint: Company refuses to payout agreed upon sum, despite evidence that their requirements were met. I completed several of Paymentwall's offers through Swagbucks.com, and was not credited the Swagbucks promised through the offers. I have filed a ticket for FOUR of these offers, and for each one, I was told that I did not meet the requirements for payment. I provided screenshots of my having met the requirements, (such as Like-ing a page on Facebook, installing a Facebook game and playing it, and entering a Scotiabank Contest). I provided proof that I still have the games installed on Facebook to this day, have the required pages Liked, and I also sent a screenshot of the CONFIRMATION EMAIL for the contest entry to Paymentwall, but their response has been shameful. For each of my filed tickets, they have copy/pasted the same generic response, desite having provided the proof required of me in the ticket filing process. I re-opened each ticket to ask if they'd even bothered to check the screenshots which THEY asked me for... And received the same copy/paste response in all four instances. I would like to inform others of their non-compliance, because even if this is a small amount of money lost, if they do this to thousands of people online, they are making a tidy profit off of their refusal to honour their agreements.

Desired Settlement: I would like my Swagbucks to be credited for all instances in which I've been denied them, when I can provide screenshot evidence that I have completed Paymentwall's offer requirements.

Business Response: Initial Business Response /* (1000, 5, 2014/02/18) */ We have issued the Swagbucks for the 2 of the 4 offers that are in issue. For the other two, we have sent a follow-up to our partner to verify the completion. The Swagbucks will be credited as soon as they have confirmed the completion.

2/28/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: On ***. 1, 2014, Paymentwall made a fraudulent charge of $48.77 to my Mastercard gift card. On ***. 1, 2014, Paymentwall made a fraudulent charge of $48.77 to my Mastercard gift card. After numerous requests and numerous assurances, Paymentwall still has not returned my money to the card. I spoke several times to **** @ XXX-XXX-XXXX. **** said that this fraudulent charge was made by a ***** ***** from the **** for and online game or something. **** assured me that the money would returned within 24 hours. This was two weeks ago. Paymentwalls information is: PAYMENTWALL INC *** N ******* **** *** ** *** ****** ** XXX-XXX-XXXX ****: XXXXXX-XXXX

Desired Settlement: I would like the fraudulent charge $48.77 to be returned to my card immediately.

Business Response: Initial Business Response /* (1000, 5, 2014/02/07) */ Hello, A refund has already been initiated for the said transaction. If you should need further assistance, feel free to contact us at *******@paymentwall.com.

2/19/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Paymentwall claims there is fraud activity on my account and refuses to reactivate after providing requested information (bank statement, photo ID) Starting 2/18/14, Paymentwall claims there is fraud activity on my account and refuses to reactivate after providing requested information (bank statement, photo ID). After explaining and providing requested information they ask if "I care to explain my activity", seemingly accusing me of fraud over $18.69 given to me by my fiance for a Valentines gift, using her debt card, used to pay for in-game money for theHunter video game.

Desired Settlement: Reactivation of my account and leave fraud checking to myself and my bank.

Business Response: Final Consumer Response /* (2000, 5, 2014/02/19) */ Hello, My complaint of the company and its practices stands. However, They have reactivated my account as I requested of them, after providing them with several forms of ID. I have received a resolution as best as can be expected. Just to reiterate, My complaint is resolved Thank you and have a nice day, **** ****

2/7/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Offer completed on paymentwall website (via swagbucks)but despite a large number of emails no reward was received. I opened an enquiry on the payment wall section of the swagbucks website on the 25th of November as I had not received swagbucks for an offer. The offer number was (wXXXXXXXX Back up your PC with MyPCBackup.com) Paymentwall contacted me (inquiry number XXXXXX) with the email: "Paymentwall 11/25/XX XX:XX AM Hello, For this offer, it is stated that "Swag Bucks awarded when you download, install and purchase to upgrade your account.." If you completed these requirements then could you please attach the screenshot of the purchase confirmation email in full, with the date and email headers in it to this inquiry. If you have the receipt in printed format, please scan the receipt and email the scanned document to us as an attachment. Once we receive the information, we will investigate the issue and get back to you as soon as possible. In addition, please include your Zip/Postal code in the email when you forward it to help in the verification process. If you have any other questions concerning this offer feel free to ask us and we'll do our best to answer them. Thank you, Paymentwall Team" On the 25th of November I responded with a screenshot and the email details. Since then I have sent emails/messages on 29th of November, 4th of December, 5th of December, 10th of December, 14th of December, 18th of December, requesting that they provide the 1733 swagbucks. The company has made no contact since the 25th of November The swagbucks account is associated with the email **************@ymail.com Messages were sent from this account and from another email address (*************@sn.com)

Desired Settlement: I wish that paymentwall provide me with the 1733 swagbucls associated with my account (**************@ymail.com)

Business Response: Initial Business Response /* (1000, 8, 2014/01/20) */ Hi, ********. We apologize for the inconvenience. We have contacted our partner Adnetwork regarding this offer, however, we have not received any update yet. Rest assured that we are doing our best to get an update regarding your case and we will get back to you with an update. We will also be updating your inquiry for any feedback. Thank you.

12/5/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: As of today, November 1st, 2013, the supposed payout to me wasn't delivered in full by Paymentwall. As of today, November 1st, 2013, the supposed payout to me wasn't delivered in full by Paymentwall. The approximated delay in payout is 2 months. The current debt to me is $791. *** ***********, Business Development Manager of Paymentwall confirmed that the full payout of $1553.86 should be sent to me by November 1st, 2013. However I only received $776.93 as of today. The company has been using the bait and switch tactic to keep unhappy customer from filing lawsuit against the company by false promises and failure to deliver. Their excuse of not paying me in time is because I chosed not to continue business with Paymentwall and wanted my full payout.

Desired Settlement: I'd like the rest of my payout in the amount of $791 to be sent to me immediately on Monday, November 4, 2013. If not, I'll file a lawsuit against the company for bait & switch, and extortion.

Business Response: Initial Business Response /* (1000, 5, 2013/11/19) */ The person on file has filed a complaint claiming they did not receive their full payout as dated and reported from Paymentwall which is invalid. Paymentwall has paid out the merchant (person on file) in accordance with tax laws and Paymentwall's Terms of Service which the merchant has agreed to when they started using the Paymentwall platform. Paymentwall has done compliance checks with this merchant to fully understand the taxes and payouts necessary for this account. After receiving the necessary documents and verifying them, Paymentwall has been able to payout the merchant. Paymentwall did not try to "bait and switch" or extort the client as we worked closely with, and are still willing to cooperate with, the merchant to ensure they would receive their full payout from Paymentwall.

11/27/2013 Problems with Product/Service | Read Complaint Details
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Complaint: Failure to provide virtual currency in two instances, even after proof of completion was provided. I completed two offers with this company to earn virtual currency called Swag Bucks. One for installing High 5 Casino game in Facebook and playing it for 14 Swag Bucks and another offer to sign up and get jokes delivered to my email for 8 Swag Bucks. The awards were never credited. I wrote and provided the confirmation email header for the jokes to email which was signed up for, proving it had been completed. And, I took a screen capture of the game, High 5 Casino installed in my Facebook as proof that it has also been completed to their requirements, and attached the picture to the support request. Even with the proof that each was properly completed, each was denied.

Desired Settlement: Honoring their offers and giving full credit of the 22 Swag Bucks I earned via proper offer completion of the two offers I completed.

Business Response: Initial Business Response /* (1000, 5, 2013/10/14) */ Hello, ****. We apologize if you have encountered any inconvenience regarding the Offers we're running on our site. We see that you are complaining about 2 offers. Let's go through them one by one. For the High 5 Casino offer, we have checked with the Adnetwork however their reports show that this offer is not completed. We have escalated this issue and is awaiting for feedback. For the Get the Jokes offer, we have issued 8 Swag Bucks to your account as compensation for completing it. Final Consumer Response /* (4200, 11, 2013/11/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was actually credited for one offer: 10/30/13 Special Offer: Paymentwall 14 SB There has been no other credit applied to my account by Paymentwall for the past month. Telling the truth does not seem to be a strong suit with you. Here is a list of every transaction to my account in the past month: 11/03/13 Bonus Swag Bucks: Daily Poll 1 SB 11/02/13 Bonus Swag Bucks: Daily Poll 1 SB 10/31/13 Bonus Swag Bucks: Daily Poll 1 SB 10/31/13 Searching the Web 12 SB 10/30/13 Special Offer: SB Offers: Accused Novel 20 SB 10/30/13 Bonus Swag Bucks: Daily Poll 1 SB 10/30/13 Special Offer: Paymentwall 14 SB 10/29/13 Bonus Swag Bucks: Daily Poll 1 SB 10/27/13 Searching the Web 10 SB 10/27/13 Bonus Swag Bucks: Daily Poll 1 SB 10/25/13 Bonus Swag Bucks: Daily Poll 1 SB 10/24/13 Bonus Swag Bucks: Daily Poll 1 SB 10/23/13 Bonus Swag Bucks: Daily Poll 1 SB 10/21/13 Bonus Swag Bucks: Daily Poll 1 SB 10/21/13 Searching the Web 7 SB Final Business Response /* (4000, 9, 2013/10/30) */ Mr. ****** has been awarded the promised Swagbucks for the two Offers he messaged us about. We don't see any other Offers in his account that qualifies for any more crediting.

11/8/2013 Problems with Product/Service | Read Complaint Details
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Complaint: I called the company because I had an unknown charge from them debited from my checking account that I did not authorize. On 10/21/13 I found a charge on my checking account from a company named Paymentwall Inc located in San Francisco. The charge which occured on 10/13/13 had a phone number on it so I called them since I had no clue what it was or what the company was. The person I spoke to was not very helpful, said they would forward this info on to their fraud department but never asked me for any information, contact info, nothing. When I asked if they wanted it since, how would you get back in touch with me if you didn't have it, they seemed very aloof. I gave them all my info, and then asked if an email would be sent to me in regards to this incident with a reference number. He kind of blew me off and said sure, I have not seen anything from them yet. My debit card was compromised, as well as my Visa card, and I wasn't aware of it until 10/18 at which time I closed both my debit and credit cards. The person on the phone did not seem to care that I was not the one who made this charge, and seemed very unwilling to help me out. I am out $50 for something I did not order, and have no clue what it is.

Desired Settlement: I would like the $50 debited from my checking account returned to me.

Business Response: Initial Business Response /* (1000, 5, 2013/10/30) */ During *** ******** phone conversation with one of our customer support staff, she was given information what the charge is for - it's for a gaming service called Buycraft and she further stated that she's aware that her son made the transaction. On checking further, our Risk Team has found that this transaction is no way fraudulent in nature. As cardholder, it's her responsibility to make sure that other people won't have access to her card. After the call, we have blocked her card from our system to avoid any future charges made through our company. Final Consumer Response /* (2000, 11, 2013/11/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response /* (4000, 9, 2013/11/06) */ A refund has already been issued for the transaction made on 10/15/2013. We have also blocked her card and the account on our system.

10/23/2013 Problems with Product/Service | Read Complaint Details
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Complaint: I used Paymentwall to Collect money for my minecraft Server. That being said, I expect timely payout for the money they collect for me. 2 months notta I used Paymentwall to Collect money for my minecraft Server. That being said, I expect timely payout for the money they collect for me. 2 months nothing. For two months I have not received a payment. and for the past two weeks they keep telling me to refer to there accounting team, but give me no other way to contact this accounting team minus there Ticket support system. ( which takes upwards of 7 days for a reply.) I feel this company owes me for the chargebacks I occurred due to their Failed fraud checks which is what I was paying for when using them.

Desired Settlement: I am seeking Re-imbursement of collected fees for fraud checks and handling on Countless transactions. all of which they have logs of. as well as the remaining money they have on hold. I will no longer need the services of paymentwall due to the customer support department not handling business the way it should be handled and in a timely manner.

Business Response: Initial Business Response /* (1000, 10, 2013/09/17) */ We have already talked to *** **** ******* last week to clarify the issue. Also, we have already sent *** *******'s scheduled payout to his PayPal account. Final Consumer Response /* (3000, 12, 2013/09/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) They sent a sub par payment not totalling what I was requesting And I was expecting a little more then they told me when they said 500$ I was ok with that when they sent 361 I was not ok with that. I paid for services that did not work. and expected to be re-imbursed for what I paid them.

9/27/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: I have a merchant account under my email *****at Paymentwall. I submitted all the proper documents but Paymentwall denied my payout to me. I opened a Paymentwall merchant account under the username ***** on July 18, 2013. As of today, August 28, 2013, my account has $5093.79 that has not yet been paid to me by Paymentwall. The company is constantly changing response in requirement although I submitted all the proper documents required to confirm my identity, address, and tax status. I am an international student in the United States legally under F-1 VISA status with no Social Security Number(SSN) and in the tax exemption bracket specified by the IRS. I only have a 9 digit number given by my college for tax form purpose. I submitted the following documents to Paymentwall: US bank account bank statement, Utility bill, Driver's License, and *****as required by Paymentwall. The process was similar to me since I have accounts with Paypal, Etrade, Interactive Brokers and they only require my W-***** for my student status with the permanent address in my home country (Vietnam) and mailing address in the United States. At first, Paymentwall sent me an email saying that my documents had been approved. I then replied wondering why did it take 2 months for my money to be paid out to me since all of my documents had been properly submitted. I then received a reply saying that they would require form W-9 instead of form W-8BEN from me as I am currently reside in the US and not in other country. I know it was a confusion on their end regarding this matter because form W-9 is only for "US Person" for tax purpose with Social Security Number, and I am not an US Person for tax purpose therefore the form W-8BEN I submitted was right, so I went ahead and explained to them my status via email. After explaining my status, this is exactly what I received as a reply: "For the tax form, since your payout is set to be received in a US bank, we would require you to fill-out a W-9. You don't have to fill-out the social security/ tin # field as this is optional." So I went ahead and submitted form W-9 without putting a SSN on it. After receiving the document, they went on and asked me my citizenship status again and required me to put my SSN in the form W-9: "Thank you for uploading the requested documents. We'd like to clarify are you a citizen of US? If so, please write in the Tax Form W9 your Employer Identification number or SSN." I went on and explained my citizenship status again, and got the response as follow: "We have reviewed your documents again and though we see that you have a temporary standing in the US, we require all merchants to submit their tax ID/SSN or whatever the equivalent is in the country that was specified in the payout." I have been living in the US for a long time, with an experience of opening accounts such as Paypal, stock brokerages account such as Etrade and Interactive Brokers, I do believe that the process should be the same for Paymentwall regarding documentation, and they should not have requested form W-9 and should have accepted my form W-8BEN without Social Security Number. I also believe this is Paymentwall's money witholding tactic in order to take control of my money. Because Paymentwall used a wrongful and fradulent tactic to take hold of my money, If the problem is not resolved right away and If I don't get my money plus commission right away, I will file a small claim court action for the amount of $5093.79 plus $1007.96 of commission that I paid out to Paymentwall for no customer service, plus interest defined by current money market fund rates.

Desired Settlement: Paymentwall charged me 20% commission on payment, which means that my account paid over $1007.96 to Paymentwall for the last 40 days of business alone and getting no customer service and got my money held hostage. I demand that Paymentwall would read my tax exemption status for international student under F-1 VISA on the IRS website and won't make a hassle for me to receive my money, and I would like to receive my money in full with the amount of $5093.79 in a one time payment right away plus $1007.96 of commissions I paid to Paymentwall for no service and a lack of citizenship knowledge on their end, which brings the money that should be sent to me to the total of $6101.75. Because Paymentwall used a wrongful and fradulent tactic to take hold of my money, If the problem is not resolved right away and If I don't get my money plus commission right away, I will file a small claim court action for the amount of $5093.79 plus $1007.96 of commission that I paid out to Paymentwall for no customer service, plus interest defined by current money market fund rates.

Business Response: Initial Business Response /* (1000, 5, 2013/09/11) */ As of this date, ******scheduled payout has already been sent to his account. We do admit that we encountered some delays in releasing it, but that's due to the completion of the documents required for payout. It is never our intention to withhold the release of his earnings, but Paymentwall Inc., needs to ensure that the proper documentation is completed before releasing any payout to any partner company or merchant. This is in compliance with international laws and is a policy that we observe for all merchants and not on***** case alone. Paymentwall has extended special consideration regarding ***** case and we have already sent his scheduled payout for this month.

9/5/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I signed up to request service from them, advertising my campaign. They required a $200 deposit and never had any sort of work on my campaigns. THey fail to provide service. Answer emails and refund my money!

Desired Settlement: I want my $200 refunded and them to not even be considered ******credited. This is a shame!

Business Response: Business' Initial Response /* (1000, 5, 2013/09/03) */ Hi ******, I checked with our accounting team and we actually issued a refund on ******. As we were not interested the campaigns. If you can please check your credit card statement around that time you should see a refund for $250.00. I've attached a copy of the receipt that we had on file. It looks like our team failed to inform you about it. Sorry about the trouble. If you do not see it, please let us know and we can research the issue further. Thanks, Paymentwall Team Consumer's Final Response /* (2000, 7, 2013/09/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) Refund was placed in March

9/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On the 24th two transactions of 100.00 for an online game ******. I called the company and reported that these charges were not authorized. I have no account numbers, however, on 24th two transactions of 100.00 were charged to my checking account via *******. I called the company, they verified that these charges were charged; however, they were not authorized. They kept asking me to check with my kids who are all under 18 and not authorized on these accounts nor to make any online gaming transaction. They refused to commit to refund for the online game. They did block to debt card from future transactions; however, I am demanding to have them refund it.

Desired Settlement: Refund for the two 100.00 transactions.

Business Response: Business' Initial Response /* (1000, 5, 2013/09/02) */ Hello, We have issued a refund for both transactions and one of our customer service specialist, (******), was able to talk to *******on August 28th to let him know about the refund. Kind regards, Paymentwall Team Consumer's Final Response /* (2000, 7, 2013/09/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)


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