www.cardsave.netReviews of cardsave.net

I signed up with Cardsave in June and was told it would be £12.95 plus VAT per month. No mention of any other costs. The first payment was duly taken in July but then I received a statement from Streamline for two merchant accounts. I called Streamline and they said that the minimum monthly cost for each merchant account is £10 per month and they were set up on the instruction of Cardsave. I was not told about these extra costs, plus I only need one merchant account. I called Cardsave immediately and was told somebody would call me back. They didn't. I called again 2 days later and was first offered a 50% reduction on the Streamline costs or speak to an adviser and then, again, was told somebody would call me back. 2 days later and still waiting for a call back. I have now sent them a letter telling them to sort it out or cancel the agreement and have also instructed my bank not to pay any further Direct Debits until I say otherwise.

all is ok until you have a problem. our terminal went down on a Thursday and we got a replacement the following Tuesday. as a shop we were desperaye for a speedy solution, but no one in customer services shared our concerns and didn't seem to care. reading the reviews, it seems for cardsave to get better ratings they have to address the culture of customer services and get rid of these unpopular rolling contracts

Firstly a rant about my experience and then the review. Despite advising the sales person of my situation (I am currently using another Merchant Banking Company for my card machine) I felt completely mis-sold to by Card Save upon opening some of my invoices a few months into my contract and discovering more fees than originally agreed. When ringing to query the charges I was not given reasonable explanations and told that as I had 'left it too late' in opening my invoices to really do anything about this, a discussion with the phone operators manager had her coming back to say 'yes, my manager says the same thing'. Poor. Shouldn't the matter have been analysed in a little more depth? Yes, and it was eventually. The lovely sales person Mark called me personally, held his hands up to having made a mistake and said he'd get it sorted out. Whilst the finance department's support was flakey, perhaps it's too much to expect them to know the intricities of the contractual agreements, regardless, both Mark and the cancellations department went above and beyond the call of duty in resolving the issue. In light of this I'd 5 star rate them if the actual technology was a little prettier and a bit more cutting edge / modern. So the facilities, the online card payment system was reasonably easy to install which took a couple of weeks of hoop jumping to get everything set up. Implementing directly into your site is a smoother feel but will leave you open to large amounts of legal tape. A redirect to Cardsave's payment portal will save you this hassle but it looks pretty awful. No doubt there is some expectation to allow ancient browsers to use the portal but if paypal/sagepay can do it... The Virtual Terminal which I have virtually no use for at all but was part of the package has a dreadful user interface and I found it very counter intuitive. I did find I needed it when I had to perform a partial refund and it took a lot of trial and error clicking and eventually a hunt through the help. Once you get the hang of it though it's not too bad. Cryptic transaction CSV's are occassionally drip fed through to my email which is nice but I'm not entirely sure what they mean. So in summary:- Flexible Competitive Rates and Pricing Decent Local Support Excellent resolution policies and customer care Dated but functional web portal Confusing but functional Virtual Terminal Overall: Would recommend

Not had a great experience, but I am currently awaiting a new terminal that will hopefully solve all the issues i have been having. I await the terminal and will update the review accordingly.

I too, was told I had a one year contract but not told that it was a rolling contract! I only found out a few months back when I got noticed a 'PCI Non-compliance' fee of 7.50 + vat. When I phoned Cardsave, I was told that I was sent a letter telling me about it. When I told them I didn't receive a letter, I was told hat they definitely sent one. They may have 'definitely sent one but it wasn't to my address. I was then told I could fill in a compliance form online but when I went online to do so, I was expected to accept another contract. This contract may have been only for the compliance, but having just found out that I'd been duped by Cardsave for not reading the terms and conditions carefully, I decided I would read these ones carefully before signing anything. To be honest, I didn't understand half of it and since there was only a few months remaining of my current SIX YEAR contract, I thought it cheaper to pay the non-compliance fee than to pay a solicitor to check it out for me. The girl from Cardsave had told me I wouldn't be signing into another contract but as the saying goes "once bitten..." I've now only got a month and a half until my contract ends so it's time for me to send in my cancellation request. The service had generally been good over my half dozen or so years with Cardsave but this type of underhanded selling leaves a bitter taste and I would find it very hard to trust Cardsave again. Now, can anyone recommend a good, honest card company? James Kelly.

I seem to have had the same issue as others on here. This week I received a bill for £366 for cancellation of contract and membership fees. I signed up for a pdq machine and online payments processing last may. I specifically asked the salesman about cancellation terms and was told that after 12 months, I could cancel on 30 days notice, no problem! Nothing about cancellation charges. I was on the whole happy with the service but due to nature of business I needed an old fashioned swipe machine that didn't rely in a signal. So I decided to move and was offered better rates. I wrote to cancel. I received a phonecall informing me of charges to which I objected to. I regret to say that the cardsave advisor seemed to find it funny... I used to recommend card save, but I believe I have been mis sold the service with details deliberately omitted in order to make a sale. this is a disingenuous way of doing business. I run a small business and am just trying to make a go of things during this difficult economic time. £366 is a lot to us. We are in the process of speaking to the financial ombudsman and trading standards regarding mis selling. Our new supplier had confirmed that they don't charge to cancel after 12 months and a quick look around will show that these fees are not the norm. Would not recommend card save in future. Clare quartermaine 20thcenturyfoxy.

Not long had my card save machine. As a field based gas engineer this should be a brilliant asset for me and my business. Last month went to take payment for a boiler repair and it wouldn't go through for lack of signal despite Swansea being fairly excellent for phone coverage! Had to take a cheque, then whilst on holiday had a phone call from the customer saying that despite having voided the transaction the money was eventually taking from their account! Following that debacle I managed to take payment for other work carried out and then when it went into my bank account there was £100 missing which had been taking back from the mistakenly drawn charge from before I went away. Since then I have struggled to use the machine as it won't seem to find signal! Requested call back (which came quickly) as they phoned on a sales lead although I mentioned that it was for an existing customer requiring technical help!! Was told that the machine won't lock onto a signal unless it has full battery! Despite my phone working perfectly well on its sim with as little as 10% left! Shocking all round performance and will be ring again tomorrow as machine would have been on charge over night. I will ,give them one more chance to redeem themselves before contacting my solicitor as they are taking my money but it's them that I see that are in breach of contract.

I have been with Cardsave for 3 years after moving from HSBC, who were brilliant with no cancellation charges and no 12 month rolling contract after being visited by a Cardsave rep who convinced us they were cheaper than HSBC. I have had a heart attack have now been told that I have heart failure. I now have an estimated life span between 1 and 3 years. I have passed retirement age and the lease on my premises ends in March 2014. I do very little business now and spoke to Cardsave in May 2103 regarding cancellation. They advised that as I was way past the initial 12 months just 30 days was needed. I will be going into hospital quite soon and tried to cancel by email in July 2013 as advised previously but I was told that I am on a rolling contract and as they had just renewed my contract I have to pay a full 12 months charges plus £150, but they may, just accept £150. It would appear that whenever you wish to cancel you will have to pay £150 regardless of what time scale is left on your contract, even prior to the 30 day period. I was told to email cancellations with a dispute but we have made you an offer and so it is doubtful that will change other than we may insist on a full 12 months charges. Totally intransigent, and cold and unfeeling. I will try to negotiate but fear that they don't care anyway. Cardsave, Avoid there are better card companies out there. From what I have read Cardsave will chase you beyond the grave for cancellation charges. N. Roberts. Bourne Print UPDATE: Following on from the above, I received a very friendly and helpful telephone call from Matthew at Cardsave. They have obviously taken on board my comments and reservations. They have sorted out the problem to my entire satisfaction and I am now happy to review my rating of Cardsave. My advice to everyone is no matter what you are signing, read the small print as not every company will respond the way that Cardsave have.