Anonymous
ELAVON RUINED MY LIFE! AVOID THEM AT ALL COSTS!!!
I started using Elavon about half a year ago, I decided to switch to them from Stripe because they offered faster payout times. The onboarding process took months and seemed very weird, the customer service appeared to be just as confused as I was and it was very primitive compared to payment providers like Stripe where you could just get going within days. When I was finally able to make the switch from Stripe to Elavon I was running high volume on my store. A few days later I got an email from their risk team asking for some information, I totally understood as I started using them while running high volume and almost all of my transactions were the same amount as I was mainly selling the same product. I submitted the information that same day and even though I thought about switching back to Stripe until it was all cleared I thought “I will just stick with Elavon, all my sales are completely legit so I will be fine”. The review took very long and I found out that the guy that was reviewing my case had gone on vacation! Finally, after waiting over a week while still running ads and processing transactions to Elavon, they came back to me and said they could not verify that my transactions where legit and they would REFUND ALL TRANSACTIONS TO CUSTOMERS WHICH AMOUNTED TO OVER $10,000! I could not afford to lose that kind of money as only a small portion of it was profit and it would instantly put my company I debt! I had no doubt that my transactions were legit as 1) I could see that I acquired them all from running Facebook ads 2) the fraud filter in Shopify, which is the e-commerce platform I used, gave almost all my transactions a low-risk rating 3) my previous payment provider Stripe never raised a single red flag and neither did PayPal which I was using alongside Elavon. I tried to get them to review my account again and give them additional information, but they did not change their mind and they suspended my account and proceeded with the refunds. I had to stop all my ads and completely set my store on pause, I tried to recoup some of the sales by emailing my customers and notifying them about their payment being refunded, but I was only able to get back a small fraction of the sales and I received a lot of bad reviews from customers about not getting their order because they hadn’t seen the email. I later come to find out that Elavon had also registered me into credit card blacklists as a SCAMMER, this made me unable to get a new payment provider and I had to completely shut down my store. They refused to remove me from the list because 1) I had disabled 3DS as it did not properly work with Shopify, 3DS was not a requirement at the time and all my customers were from the US and Australia where 3DS is not a thing so it wouldn't matter. Customer support told me that it would be no problem to disable it and did it for me, and 2) because I sold product from another category that I told them I would (I told customer that I was selling all kinds of stuff, but I would start off by selling baby products, so they told me to just write that I sold baby products, but I ended up selling fitness products as well). Now I have started a new store with a new company on a new address so that I could get a new payment provider, I just started making money with my new store and I were excited to finally be able to pay off the debt Elavon had put me in, but now my current payment provider found my personal name in the credit card blacklist and immediately suspended my account. THIS MEANS THAT I CAN NO LONGER RUN AN ONLINE BUSINESS PERIOD! Several years of learning about running online businesses just out the window because of Elavon! I will try and contact them again to get me removed from the blacklist and if they refuse again, I will not hesitate to take legal action. I have spoken to my lawyer and he told me that it looked like they had mishandled my case and I could potentially sue for damages. All-in-all this is by far the worst experience I have ever had with any company and I would strongly advise you to stay away!



