TSYSReviews of tsys.com

I wish I could give these grifter scumbags a -1000 stars. This company is such a rip off it can be hardly comprehended. I agree with every one of these negative reviews and had the same experience and even worse. TSYS overcharges, swindle, increase rates, gouge your checking account and justify it. If you try and cancel your account they try to charge you $500 and say it was in the contract. When I asked for the contract to see it they would not send it to me unless I called one of their scumbags because the information in my contract was very "sensitive" which is total BS. They hit my checking account with an additional "mandatory" $800 at the end of 2024 saying they needed it to keep their systems up to date with changes in regulatory laws and it was "absolutely necessary." NO other cc processing company ever has done this to my corporation. As for customer service.... it is a NIGHTMARE. They switch you to 10 different departments with 10 different rude, arrogant, condescending, dismissive smug shills. I can't go backwards and reclaim the massive money they screwed me out of and overcharged me out of with their endless rate increases and surcharges.....but I hope this review saves a person from ever doing business with TSYS, USAEPAY, Global Payments etc. When I finally stopped using this HORRIBLE TSYS service and they withdrew my last fees...then I blocked them from my checking account and told my bank about them and showed them the reviews on Trust Pilot. Then the scumbags of TSYS switched their name slightly under a different heading and still withdrew more money. I had to close my account ( what a hassle) to finally stop the bleeding. My accountant and myself have reported them to the BBB.

I was with them for 9 years. Started out reasonable enough. Most of my payments are over the phone, so I understood the above average rate of about 5%. However the last few years they had continued to really raise the rates and then add extra fees. By last year my monthly fees totalled about 10% of my monthly processing. They did a 1-time charge last year for Infrastructure Upgrade Fee of about $179.00, Now this year was a Technology Fee of $499.00 to be posted on March 31, 2025. They said if you object to the Fee you can cancel. I sent them an on March 28 and told them to cancel my service and NOT to take out the Fee because I objected. On April 7 I got my statement and they took out the fee. I called and they said that they ignored my email "Because you have to call in to cancel service, you can't just email it in". I told them that there was no way for me to know that because I had never cancelled my service before. They did finally cancel my service but They told me that they would not refund my 499.00. I escalated to Supv over the next few days and they finally sent me to the Legal team, and told me to have my Attorney talk to their Legal Team. These People suck and we need to do a CLASS ACTION Lawsuit. These rates are ridiculous and The Customer Service is Not Helpful. Also a few months ago I got a chargeback for $1290. and they told me that my business would just have to eat it! Who is in for a Class Action Lawsuit to get back our $499.00 they stole????

I have been with Cayan/Global Payment/TSYS for 7 years (2018 to 2025.)I am a therapist in private practice. It took me a while to realize how predatory their services have been. To be honest, I was too busy taking care of other business issues, but every month, I will look at my monthly bills and will just think this is too much, but never got around it. Now that I am cutting down on my expenses and working less, I had a second look at my bills. In the month of March 2025, I had about 15 transactions and I was charge about $500. I was horrified! After 3 days of self-advocacy and escalating calls, I was refer to an advocate who went over my charges and bills. Come to find out that in 7 years my APR interest jumped to almost 4.9% unbeknownst to me. They say they put their interest charges on the bottom of the bills. It is so small that I was not paying attention. This is my fault. I was too busy making money and forgot that my money was going into this trash company. I canceled my service in April of 2025. I thought I didn’t have any transactions, but they way they process the payments , it looked like I used them in April for 7 transactions as I was told. I had already blocked them because I thought this was a mistake and change my account. I sent 2 emails and call before to make sure it was correct and no one got to me. So, I blocked them for taking any additional payment… Needless to say, I still owed them money for the 7 transactions and I wanted to pay them so that I can move forward, plus I am also traveling. I have been trying to make my last payment with them and it was a nightmare. I was gaslight, manipulated, and referred to multiple departments and people. I called multiple times and multiple emails to the point that I couldn’t take it anymore. Today I finally made the last payment over the phone. They were supposed to email me my receipt and still haven’t. Thankfully, I demanded customer care to send me a screenshot of my last payment as a proof. I had to block them from my direct deposit and change all my account information because I don’t trust this business. Please do not do business with them. This is a predatory system that takes advantage of hard worker individuals like you and me. Unethical and awful practices. Same goes with the unhelpful customer care representatives. I am going to block them from my emails and phone forever because they keep calling . This was bondage and servitude. Please don’t use TSYS/Cayan Global payment.I wish they can be audited, but who am I kidding! The system is created to take advantage of small businesses like ours. Keep your head up and do your due diligence in the future. I am also to blame because I was not doing my due diligence and checking my invoices as I should have. I have learned my lesson and will do better from now on. If you love yourself and your business, do your part, don’t be like me, and don't use them. I came across TSYS because 8 years ago the software that I use to take payment from clients had CAYAN as the only option. They put us up for failure. My new merchant is not that wonderful either, but at least I am at 2.5 % APR and $0.30 per transaction. As you can see this is better than +4% APR. Thank you and good luck to you. It’s never too late to stop being taken advantage of!

Dirt Bag Company. If you hate yourself and hate your money then TSYS is for you. Charged me ridiculous fees and "Mandatory Year End" operating fees (no other credit processor has ever done this to me) and stuck me on a tiered system when they said they wouldn't. I "renegotiated" my fees with them several times but that made no difference they came in a GOUGED my bank account monthly. I am so glad to be rid of this company. NEVER DO BUSINESS WITH THEM.

DO NOT SIGN UP FOR ANYTHING FROM TSYS OR GLOBAL PAYMENTS UNLESS YOU WANT TO LOOSE TONS OF MONEY. HORRIBLE CUSTOMER SERVICE.

The WORST credit card company we have ever used. They charged us their "Annual Fee" four times in a year for two years and refused to credit any of the fees back to our account. Their processing fees bounce from 3% to 12% from month to month with no warning. Now that we canceled, they are sending threatening emails and letters that they are going to destroy our reputation. We already moved to a much better and legit processor.

DON'T USE THEM!!! We have talked to these guys many times about closing an account we haven't used and have made MANY attempts to close since September 2024. They kept charging us the account fee. Then they started removing it from our bank account twice each month. Now, in the past week, they have removed it from our account FOUR TIMES. This is a breakdown of what has been removed since we have been diligently trying to close the account: October 2, 2024 - two withdrawals - one for 60.89 and one for 54.96 November 12, 2024 - two withdrawals - both 79.20 December 10, 2024 - two withdrawals - both 50.40 January 10, 2025 - two withdrawals - both 65.40 February 10, 2025 - two withdrawals - both 79.20 February 18, 2025 - two withdrawals - both 79.20 Grand total of the thievery is $822.65 I called our bank today and put a payment block on them which cost us an additional $20, but worth it.

Never ending additional charges to our monthly statements. Admin "fees" went up $50, from $45 to $95, annual "fees" on a random October statement. PCI fees even if you do the PCI compliance reports. Overall, just a horrible experience. Worst processor in our 13+ years. I do not recommend them.