I own a small retail store and mistakenly changed my merchant account to X-Charge because is was offered as part of my point of sale software. This was a huge mistake! In over 10 years with my bank, I never had any problems processing credit cards. Now with X-Charge my customers routinely complain that they have been double or triple charged for the same merchandise! And the worst part is that I cannot get a person on the line when I try to call them to correct their own errors.

I'm posting here to warn other retailers to stay away from the company that bought X-Charge. Their name is Accelerated Payment Technologies and they could care less about their customers. Last week I was informed that I can't even do a return for a customer that is over $500! Can you believe that? They have to do it for me and it takes several days. That was the last straw as you can't even get a person on the phone to help you anyways.

I'm moving my merchant account back to my bank but feel like I'm hostage to this unresponsive company since I have to work through all of these issues for my customers. Hopefully enough merchants will put pressure on them to become a respectable company and take care of their customers!