The Premier E-Cigarette Merchant Processing Solution

Serby · 03-27-2011, 11:06 AM

it would seem Joshua Harjo (Harjo) Merchant Now Financial, Cardservice International may not be what it seems

when you find a Merchant credit card service Google them and put the word scam after the search words

This is a Quote from the web

I've been a lurker here for months, reading up on the Auctiva Commerce changes, issues, tutorials, etc. and have been waiting for a few bugs to get worked out before I jump in the water with the rest of you. I've also been reading up on the credit card/merchant account gateway issues and updates, authorize.net, etc. Recently I've read more and more about Joshua Harjo and how some have had discussions with him and he seems knowledgable and upfront, and some have even gone with his company. Well, I did a bit of research online, just basic Yahoo searches, less than 5 minutes total, and what I've found doesn't look too promising, to say the least.
A search on Yahoo for "Merchant Now Financial", the second result down, from manta.com (who give compay directory listings, place of business, sic. code #, etc.) says this business just started last year, August 2008, there is one employee at this location, and they did $74,000 (?!?) in sales last year. Looking up the location on Google street maps brings up a small, probably 300sq. foot office space. His sic code #8742 has him listed as a "Management Consulting Service".
Doesn't this seem strange to anyone here? It did to me. Tell me if I'm wrong, but thats not even the proper sic code for his business type.
Doing a bit more research, I searched just "Joshua Harjo" by itself on Yahoo, and thats when it got ugly really quick. The very first result is Rip Off Report.com, and if you read it, you will see a harrowing report of Joshua Harjo, and a company he ran 10 miles away in Scottsdale named "Cardservice International". You should all read what the poster says about Joshua and what he did to his small internet company. It was first posted in 2005, and updated in 2007. It seems he's gotten the FBI and the I.F.C.C. involved, among other things. It seems Joshua left that company at the end of 2007 and opened up Merchant Now in 2008.
Now, if that wasn't enough, I did a search for the words "cardservice international scam", to see what his prior company had on record, and wow. It's a never ending list of people who've been ripped off by this company. FBI involved cases, lawsuits filed in various states and counties.
All I can say is wow.
I was literally one email away from contacting Joshua myself.
Now, I'm sure, as most have said here, that he is a smoothe talker, and he obviously knows what he's doing seeing his history in that industry, and has the lingo to sell you on his service, BUT, is this a guy who you would trust with your personal credit account info, let alone the account/credit card details of every customer you do business with?
I know it's a hell of a first post, but jeez...this is a but ugly.

I'm just saying....

berger · 03-27-2011, 12:48 PM

Do you work for a finance company?

Serby · 03-27-2011, 01:20 PM

Me, no way!! but i am looking for a merchant gateway. In my search i did find a lot of post about that guy. Thats cool you are in maryland too, did you go to Vapefest yesterday?

Harjo · 03-29-2011, 10:20 AM

Interestingly enough this is the same exact thread a competitor started on me 2 years ago. Here's the link: Joshua Harjo & Merchant Now Financial ..... SCAM???? - Topic

My statement hasn't changed from then to now. Please read on and make your own decision.

LeCig · 03-29-2011, 12:29 PM

Quote:

Originally Posted by Harjo

Interestingly enough this is the same exact thread a competitor started on me 2 years ago. Here's the link: Joshua Harjo & Merchant Now Financial ..... SCAM???? - Topic

My statement hasn't changed from then to now. Please read on and make your own decision.

WTF? A Scam?? I think not ... Josh IS the DUDE, PERIOD!!
(I should know, he saved us from the rest of the D-Bags that promise the world and deliver nothing. Josh is the real deal!)

BTW Josh, thanks for the veriphone setup, working killer for us!!

Harjo · 03-29-2011, 12:35 PM

You always have my back brother and you know I have yours. Glad that unit is working out for you, eventually I'll need to get that card reader back and get your check processing up and running, lol. Serenity now!!!

Dhileas · 03-29-2011, 01:16 PM

<--Harjo?

PainlessProcess · 04-06-2011, 11:46 PM

E-Cig family, we would like to advise you that our company has recently received an increased amount of calls regarding Go-Daddy shopping carts only seeming to be compatible with Authorize.net <http://Authorize.net> gateways for standard merchant processing. Authorize.net <http://Authorize.net> explicitly states they do not accept E-cig or E-liquid business transactions. They have and will continue to terminate gateway accounts linked to the sale of these products. Although this is not breaking news as many of you have already heard or read about this on one of our previous posts or through several other posts made on this as well as other electronic cigarette forums, many people are still developing sites and using shopping carts that are not compatible with these products. Please save yourself the time & headache when building your e-commerce website and/or choosing your shopping cart by researching this area to avoid further time delays or web development costs. In order to provide some point of reference, we have heard good things about the Magento shopping cart, however, we are not a website company, only a merchant service provider, and would defer this to someone with more relevant expertise. Hopefully, one of those people will read this post and will chime in to provide further clarity on this subject and save some time, effort, and money for you guys.

As always, please feel free to call us at 877-996-2795 or email us at e-cigs@painlessprocessing.com.

Painless Processing ... keeping you informed.

PainlessProcess · 06-07-2011, 07:39 PM

Do you know someone who may be in need of credit card or other payment processing solutions? Check out our new agents & affiliates programs:

Agent / Referral Program

We're so easy... It's Painless

mrwizard · 06-08-2011, 02:45 PM

I'm considering your services for an E-Liquid business.
Which shopping cart softwares work best with your gateway?

Harjo · 06-08-2011, 02:55 PM

We use a 3rd party gateway company which is eProcessingNetwork.com. I don't know if they have a list of compatible shopping carts on their website but if you email me at jharjo@merchant-now.com I can attach the list and email it over to you. They pretty much seem to work everything so far as I've seen. We've been using them for almost 3 years since Authorize.net doesn't seem to want e-cig business. We still use them occasionally but we try to avoid them as often as we can.
Joshua

PainlessProcess · 06-08-2011, 10:39 PM

Mr. Wizard,

To better answer your question, Painless Processing offers four different gateways for new merchant accounts. The shopping cart most commonly used by our clients is Magento as it works with most major gateways. I ask that you please call (877)996-2795 and speak with one of our Electronic Cigarette Customer Service Specialists. They will be able to assist you in evaluating and providing the best shopping cart recommendations to meet your e-commerce needs.

Please further note, Joshua Harjo and/or Merchant Now is a different company and not an authorized representative of Painless Processing, however, you are more than welcome to speak with them as well.

We're So Easy... It's Painless.

PainlessProcess · 09-14-2011, 08:16 PM

Painless Processing is a loyal member, participant, and avid follower on Vapeatron Forum. We enjoy consulting and assisting other members with issues or questions relevant to all types of payment processing on this blog. Our company has recently gained the ability to underwrite and approve accounts in-house for Check 21, ACH, and E-check services. If you’re a member of this blog and have experienced trouble in obtaining one of these accounts in the past, or would like the lowest possible rates on these services; Painless Processing can assist in you in obtaining these alternative forms of payment processing. For those of you that need to know more, we are here to educate you on these forms of processing and how they could be beneficial to your business by:

• Reducing your processing rates
• Reducing your chargebacks
• Eliminating your trips to make deposits
• Reducing labor costs associated with the manual processing of checks
• Allowing you to verify and accept checks by phone
• Automating recurring transactions
• Improving your cashflow
• Eliminating NSF fees while reducing bank charges and,
• Allowing you to accept a common alternate form of payment

We are here to openly or privately discuss and educate business owners on these forms of payment processing. Contact us to speak with an expert who can evaluate your business and align you with the appropriate processing solution.

We’re So Easy… It’s Painless!

PainlessProcess · 10-19-2011, 09:38 PM

Painless Processing is proud to introduce the Painless CheckXpress, our latest system for accepting and verifying customer’s check payments. The unique Painless CheckXpress service allows your business to accept checks (via phone, fax, or internet), clearing them in as little as 24 hours and verifying the check payments by phone within seconds to ensure availability of funds. This process eliminates NSF fees, waiting for past due checks, chargebacks, and at least half of the fees associated with traditional credit card processing. We GUARANTEE the APPROVAL of your business, regardless of industry, prior TMF/MATCH list status, or processing history. Call one of our representatives to inquire about our Painless CheckXpress and learn more about the benefits of how it can help your business save money, reduce payment processing fees, and increase cashflow. Our experts can have you set up and approved in as little as 24 hours. Don’t hesitate; call us today at 877-996-2795.

Benefits of the Painless CheckXpress

• A great alternative to credit card processing since many customers prefer to pay by check.

• Eliminate trips to the bank and costly NSF fees.

• Verify checks within seconds through our unique check verification system.

• Increase your business’s cash flow by accepting checks immediately and electronically, not having to wait for them to be mailed.

• Check processing fees are generally 50% less than traditional credit card processing fees.

• Guaranteed Approval makes this a great payment processing solution for high risk industries such as Auto-ship companies, Outbound Sales, Telemarketing, Collection Agencies, Credit Counseling, Insurance Agencies, Dating Services, Adult, Multi-Level Marketing and several others.

• Guaranteed Approval creates a great payment processing solution for TMF (Terminated Merchant File) or MATCH listed businesses.

• Eliminate any chargebacks while using the Painless CheckXpress and deal with less chargebacks including associated fees by simply offering the service.

• Save money on collections, invoicing, and mailing.

• A perfect system for collecting past due invoices by phone.

• Gives your business a competitive advantage over other businesses that do not offer the Painless CheckXpress as a method for accepting payments.

We're So Easy... It's Painless!

PainlessProcess · 12-29-2011, 06:31 PM

Hello E-Cig Merchants,

During the course of the week, we have had an influx of phone calls from E-Cig businesses stating they have been shutdown by Moneris or Transfirst. It seems as if they may be sweeping their portfolio. If you are currently processing through either of these companies, you run the same risk of being shut down for no reason. This is not to scare you, but to calm any potential nerves. Should this happen to your company, Painless Processing has several other merchant processing alternatives readily accepting Electronic Cigarette merchants. Although we always advise you to take the necessary precautions before getting a shutdown or termination notice, do not panic – we have solutions.

Best Regards and Happy New Year,

Painless Processing Management

We’re So Easy… It’s Painless!

PainlessProcess · 04-04-2012, 08:50 PM

Painless Processing is proud to announce its new, exclusive processing solution for the Electronic Cigarette industry. This new ultimate processing solution was established to provide the E-Cig industry with the lowest available rates on the market – rates as low as 2.99%! Yes you are reading correctly, rates as low as 2.99% for E-Cigs!! Our days of only being able to offer market rates are OVER! Start saving money TODAY!

All ISO's, referrers, and affiliates are welcome to enroll in our Ultimate Program for re-sellers. Simply call us at (877)996-2795 and ask to speak with a representative, or send us an email to info@painlessprocessing.com.

To all of our existing clients that we were previously unable to offer such competitive rates, don't feel left out. Our dedicated Painless staff is actively calling and enrolling clients with rate reductions!! Should you wish to expedite the process, feel free to call us anytime!

Painless Processing is truly proud to be an exclusive provider of the Ultimate Program. Our loyalty to our clients and the Electronic Cigarette community makes it all the more rewarding to be able to provide these competitive rates to an industry that has been through such turbulent payment processing woes. We apologize for the brief time period we were forced to offer market rates… but starting today we offer the Ultimate Processing Rates!

Thank you for your patience while we worked diligently to create the most Painless and Cost Effective processing solution available for E-Cigs.

- Painless Processing Management -

Processing E-Cigs So Easily … It’s Painless!

jenifer123 · 04-19-2012, 03:17 AM

How can you give guarantee that the account will approved in some hours, isn't it an illegal way to do it?
__________________________
merchant credit card processing

tek · 04-19-2012, 05:00 AM

[quote=jenifer123;121942]How can you give guarantee that the account will approved in some hours, isn't it an illegal way to do it?

no, car dealerships di it all the time...