Noble Pay (noblepay.com) is one of the worst merchant account providers out there, the owner Christopher Swift (http://www.linkedin.com/in/chrisswift) is a liar and he will lie to cheat small new business owners out of their hard earned money.
I made a mistake by trusting this company for my business. We have lost 80% of chargebacks becuase of their sloppy polices favoring the card holders.
We have experienced many instances in which noblepay have sent us notification of a chargeback in such a tardy manner that we did not receive it in time to fax our rebuttal.in some cases, we received notification of a chargeback WEEKS after we had automatically lost the dispute. We have asked that they fax us; they refuse to reply. We have asked that they email us; they refuse to reply. We have asked that they snail-mail these notices ON TIME. They refuse to reply or comply.
Their latest fiasco runs like this: We received an order from one Diana Brown" for several fake healthcare items. We delivered them on time (quite early) and obtained a delivery signature as we always do. This woman filed a chargeback for no legitimate reason. We received their chargeback notification one or two days before our rebuttal was due (that's considered EARLY, compared to what they usually do). We immediately amassed the documentation and faxed it to them. As always, we sent a second set to them by snail mail because they are FAMOUS for saying they didn't receive a fax, when in fact they did. Are we calling their people LIARS? Yes. We're calling their people liars.in any case, we forgot the matter, secure in the knowledge that we had beaten a fraudulent chargeback. Imagine our chagrin, then, when weeks later they notified us that our claim was denied because we hadn't submitted a rebuttal. We were exactly as PISSED OFF (incensed and enraged) as we ALWAYS are when their office pulls a stunt like this. We immediately faxed they a THIRD set of documents, and then sent a FOURTH set by REGISTERED MAIL. They STILL didn't set this matter right they merely replied to say we hadn't submitted the docs IN TIME.
The FACT of the matter is, if facts have ANY influence on theyr bizarre operation, that we DID submit the original docs on time, and our fax log, proves it. Their. People. Lied. For whatever Godforsaken reason, their people lie ALL. The. Time. We have honestly never seen anything like it.
The bottom line is that we've been cheated out of YET ANOTHER $190 of hard-earned revenue merely because noblepay lied and said they didn't receive EITHER of the document sets we originally sent them BEFORE their deadline. We hold they, Marvie (their people refused to supply us their last name or, indeed, even an employee number by which to identify they) personally responsible for this. If we can figure out a way to sue they by proxy in small claims court, rest assured we'll do it. We're told it can be done; we're researching the technicalities of it. We'll name they as the defendant. We have little doubt they'll refuse to supply it; we'll subpoena it if necessary.
The reprehensible, incompetent, dishonest practices of their OFFICE are costing us far more money than we're willing to overlook. It's bad enough to have scurrilous customers trying to steal from us almost on a daily basis. It's over the freaking top when they steal from us as well.
Noblepay sucks, stay away from them. Save your money and run as far as possible away from them.
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