I love that company. They have been super nice and patient with a newbie.

Got an email this morning, they have scads of shops that are easy and most of us have done and they need help....must be 200 shops - lots and lots in California and someone here was complaining they dont get a lot of shops in Pennsylvania.

All over country shops - $15.00 hint hint -lots and lots in California and someone here was complaining they dont get a lot of shops in Pennsylvania,

Go look. Or sign up if you're a newbie, State of Washington, Hawaii ( I'd go to Hawaii if they would pay fare - lololol)

Shoppinalong

PS - I dont work for them , I just remember what companies have been nice to me and which have screwed me over. (:

Edited 1 time(s). Last edit at 04/13/2012 02:23PM by shoppinalong.

The problem is that many shoppers are not comfortable with the new form of payment that the company has adopted and decided to stop taking assignments by this company. It is not just these 2 states. I have recently seen many Ace shops available in many states.

KateH Wrote:
-------------------------------------------------------
> The problem is that many shoppers are not
> comfortable with the new form of payment that the
> company has adopted and decided to stop taking
> assignments by this company. It is not just these
> 2 states. I have recently seen many Ace shops
> available in many states.


HI Kate,

you're right , I saw that thread - but I spoke with UNB Bank, they're sending me debit card that you can use right away, or will transmit my funds to my bank. Just have to email them or live chat when you receive funds as to what you want or can make either a permanent thing. I'm not worried about it, I spoke to two people at the bank.

And Jamie Giles, one of owners and editors is a living doll. I trust.

Edited 1 time(s). Last edit at 04/13/2012 02:25PM by shoppinalong.

shoppingalog, that's what being an IC is about. We make our own opinion with whom we want to contract for assignments. It is up to ACE to decide how they want to pay their vendors, contractors. It is my right whether to accept it as a condition of doing an assignment for them. Many shoppers decided that they are not interested. It has nothing to do with how fast the money are transfered but how reputable the operations are. You have read the thread about payquicker so there is no point to repeat about the Caribbean bank accounts, the Kardashian card, etc. Ultimately for myself and other shoppers it comes to what Flash so eloquently distilled:

"I see an absolutely HUGE difference between PayQuicker and PayPal.

PayPal is wholly owned by eBay, which was started in 1995 and became a publicly traded company in 1998. PayPal was bought by eBay in 2002. eBay itself has an enterprise value of close to $40 billion and employs 27,770 full time employees. It is scrutinized by the SEC, the NASD and analysts because it is a publicly traded company. It shows profits quarter after quarter, year after year.

PayQuicker is how old? How many employees? Scrutinized by what regulatory agencies? Running their business through a bank that as we have noted before is considered to be at risk.

This strikes me as serving orange Kool Aid for breakfast instead of freshly squeezed orange juice. Maybe nobody will notice the difference because they are still too far asleep."

KateH Wrote:
-------------------------------------------------------
> shoppingalog, that's what being an IC is about. We
> make our own opinion with whom we want to contract
> for assignments. It is up to ACE to decide how
> they want to pay their vendors, contractors. It is
> my right whether to accept it as a condition of
> doing an assignment for them. Many shoppers
> decided that they are not interested. It has
> nothing to do with how fast the money are
> transfered but how reputable the operations are.
> You have read the thread about payquicker so there
> is no point to repeat about the Caribbean bank
> accounts, the Kardashian card, etc. Ultimately for
> myself and other shoppers it comes to what Flash
> so eloquently distilled:
>
> "I see an absolutely HUGE difference between
> PayQuicker and PayPal.
>
> PayPal is wholly owned by eBay, which was started
> in 1995 and became a publicly traded company in
> 1998. PayPal was bought by eBay in 2002. eBay
> itself has an enterprise value of close to $40
> billion and employs 27,770 full time employees. It
> is scrutinized by the SEC, the NASD and analysts
> because it is a publicly traded company. It shows
> profits quarter after quarter, year after year.
>
> PayQuicker is how old? How many employees?
> Scrutinized by what regulatory agencies? Running
> their business through a bank that as we have
> noted before is considered to be at risk.
>
> This strikes me as serving orange Kool Aid for
> breakfast instead of freshly squeezed orange
> juice. Maybe nobody will notice the difference
> because they are still too far asleep."

Kate,

Ebay sucks.
And since Ebay has taken over Pay Pal you dont get your money so quick.
And sometimes they try to get away with holding your money for 20 days on the pretense you haven't done any business in 6 months even if you have. And if you have done business they hold onto it for 3 days - just think of the interest they are earning from the million transactions a month by holding everyone's money for an extra three days, not to mention 20, and they dont pass that interest on your money on to you. Crooks IMHO. Many, including me, have left them because of the raised charges, and funny business with holding your money.

Anyway, diferent strokes for different folks. and that's what makes horse races.

Edited 2 time(s). Last edit at 04/13/2012 03:44PM by shoppinalong.

I have never seen a difference in the payment time of Paypal, it always takes two days to get into my account. I also got Ace's end of month email, and I live in CA (L.A.), and saw no shops within my 30 mile radius. Remember CA is
a huge state, shops posted were in No. CA. I haven't yet signed for their new
payment, so, why am I still getting emails especially far out of my radius.
This sounds a bit hunry to me. I never had a bone to pick with Ace and did a
few shops for them, but changing the way I receive payment, not worth it, and
if this is an end of month opportunity, why not add on a bonus?

The reason that paypal holds the money is to prevent any fraudulent transactions. To be honest, since my money is being held by a major US bank, I feel more comfortable than having UN s the intermediary. Actually people knowledgeable with banking issues see that as a plus for paypal. You want a reputable competitor to paypal?

"A direct assault on person-to-person cash transfer industry leader PayPal, the service will be rolled out by Bank of America, JPMorgan Chase and Wells Fargo, which formed a new venture called ClearXchange to create the product."

Is not this interesting, that's another point we had brought up about payquicker. that except from pr releases from them or Ace, in 4 years there is no commentary from any reputable financial newspaper, blogs, etc. Three banks launch a competitor to paypal and I can find hundreds of articles, blogs, about it in less than a year.

Again, we are ICs and anyone can decide for themselves with whom to contract. I have been a shopper for a decade and I follow the business policy not to deal with something that I do not fill comfortable. I do not have any accounting dept to go after deadbeats.

I've been doing Ace shops and also set up a Payquicker account. Haven't had any problems and I can't see any difference between Paypal and Payquicker in getting the money transferred to my bank.

Huh? I've been receiving payments through PayPal for 4 years now and see absolutely no difference. Depending on the size of the payment I often transfer it the same day it is received. Last week I initiated a transfer to my bank on Saturday and it was there first thing Monday morning. Since Sunday is not a business day (and neither is Saturday for that matter), they technically had the money in my bank the next day. When an MSC sends me a notice of payment it is in my PayPal account the same day. Where do you get that they are holding funds?

If you are referring to payments from selling on Ebay, etc., that's fine. I just don't know that it's relevant to shoppers receiving their fees.

shoppinalong Wrote:
-------------------------------------------------------

> Ebay sucks.
> And since Ebay has taken over Pay Pal you dont
> get your money so quick.
> And sometimes they try to get away with holding
> your money for 20 days on the pretense you haven't
> done any business in 6 months even if you have.
> And if you have done business they hold onto it
> for 3 days - just think of the interest they are
> earning from the million transactions a month by
> holding everyone's money for an extra three days,
> not to mention 20, and they dont pass that
> interest on your money on to you. Crooks IMHO.
> Many, including me, have left them because of the
> raised charges, and funny business with holding
> your money.
>
> Anyway, diferent strokes for different folks. and
> that's what makes horse races.

KateH Wrote:
> >
> "A direct assault on person-to-person cash
> transfer industry leader PayPal, the service will
> be rolled out by Bank of America, JPMorgan Chase
> and Wells Fargo, which formed a new venture called
> ClearXchange to create the product."
>

Bank of America, JPMorgan Chase and Wells Fargo are the banks you trust ?

LOLOL.

ever hear of subprime mortgages?
Occupy Wall street?

Your tax money bailed all three of those banks and more out.Over leveraged and about to go under....with your money.

The only bigger crooks are Goldman-Sachs and Bernie Madoff.

I closed my account with B of A and opened in a little small local credit union.
Dont pay $17.00 a month for a chedcking account anymore and $5.00 to use my ATM card.

I have a bridge somewhere in Brooklyn. Interested in buying? "D

shoppinalong Wrote:

>
> LOLOL.
>
> ever hear of subprime mortgages?
> Occupy Wall street?
>
> Your tax money bailed all three of those banks and
> more out.Over leveraged and about to go
> under....with your money.
>
> The only bigger crooks are Goldman-Sachs and
> Bernie Madoff.
>
> I closed my account with B of A and opened in a
> little small local credit union.
> Dont pay $17.00 a month for a chedcking account
> anymore and $5.00 to use my ATM card.
>
> I have a bridge somewhere in Brooklyn. Interested
> in buying? "D

shoppin, check out University National Bank>>>>PayQuicker's bank ..... and their FDIC involvement.....

Thanks Austin Mom

here's info on University National Bank, Minnesota

graph is pretty normal for what's going on -- better than Bank of America who is major with Countrywide in phony mortgages - but nobody goes to jail - Attorney General Holder makes noises like he's doing something but he isn't. It's little state attorney generals who are going after these big bank crooks.

First of all they're insured by FDIC
their troubled assetts to capital is 16%, (real estate bad loans/derivatives
national median is 13%.

here's the site:



Turbo Tax is doing business with them on tax returns. Not a bad client to have.
Parent Company founded in 1986 Took 22 million Tarp money
Parent Holding Company has three different entity banks.
has paid back 2 million to govt so far



I haven't found anything so terrible yet as described before. Where's the third party, a holding corporation?, that's normal, not unusual. NOthing about Kardashian credit cards or offshore owners . They are based in St. Paul, Minnesota.

Okay found it. Prepaid Debit Master Card with heavy Fees. Anyone looked at Orchard Bank's Prepaid Debit Card with heavy fees?

"While regular bank debit cards are typically free and don't charge any fees,(if you have a bank account attached to them, these are prepaid) a 12-month Kardashian Kard cost $99.95 just to own, including a card purchase fee of $9.95 and 12 monthly fees of $7.95. After the first year, consumers would have to continue to pay the $7.95 monthly fee.
On top of these initial fees, it cost Kardashian Kard users $1 every time they added money to their card, and it cost $1.50 to speak with a live operator. If they wanted to pay their bills automatically using the card, they were charged $2 per transaction. (Sounds like Bank of America)



Didn't someone say they were based in Rochester,. New York ?
must have banks confused.

Edited 2 time(s). Last edit at 04/17/2012 02:22AM by shoppinalong.

More

"PayQuicker Goes Global"


sounds like they're positioning themselves to give Paypal competition.

Edited 1 time(s). Last edit at 04/17/2012 02:25AM by shoppinalong.

shoppinalong Wrote:
-------------------------------------------------------
> More
>
> "PayQuicker Goes Global"
> [www.prweb.com].
> htm.
>
> sounds like they're positioning themselves to give
> Paypal competition.
>

As I said previously, all information about payquicker is always coming from their pr announcements, there is no chatter among financial/technical/banking blogs or journals that comment on new technologies. All the information about payquicker always lead to a news release from the company, or marketing to web affiliates. . Payquicker had international transactions for a long time, it is nothing new. What is important, as it was presented extensively on this forum is that the Caribbean bank they use for their international payments is the one that this fall VISA ceased all relationships, after an audit that they did. shopping along, you can use any form of payment you want. You are an IC. There are just too many red flags for me to have any interaction so I have stopped taking any shops from Ace. From the constant emails that I get, it appears I am not the only one. Each one is entitled to their own opinion. They are still many shoppers who take shops from franchise compliance, or worked with Jason, or other non-paying ms companies after they had been forwarned by shoppers.

Ace had the option not to use exclusively payquicker for shopper payment. Amusement advantage has recently started using payquicker but they only offer it as an option, they do not mandate it.

I just did another search for payquicker and there is absolutely nothing that does not come out of a press release issued by payquicker themselves, or the discussion at this forum.

Kate

The first url was from an FDIC site I believe, the graph one.

Menwhile I didnt find anything about the Caribbean bank.

Do you have a URL to point me to? I'd like to read about that.

If the Caribbean bank has been closed down , who are they using now for
international trade ?

shpingalong, you have not shown any link about payquicker itself that does not come from a press release initiated by them. There is no FDIC link re payquicker, only re the bank they use. If you have read the threads about payquicker, as the subject has been discussed just a few months ago ad nauseum, you would have learned about the Kardasian card, the Caribbean bank in Antigua and Barbuda, etc.
Payquicker uses the infamous Kardashian card issuing bank for US based transactions, and GBC, an Antigua based bank for their international accounts. The international bank had their visa debit program shut down by Visa International this fall, when Visa did a formal audit of the bank operations.

From the payquicker user agreement:
"All references to "Bank" shall mean the financial institution that holds any funds you maintain in the account you create using the Services (your "Bank Account" and the issuer of the Card (as hereafter defined), currently University National Bank ("UNB" within the United States and Global Bank of Commerce ("GBC" outside the United States."

And for those who want to get a debit card with them, be careful so you wont get a notification like this one day:

"Dear customers,


Unfortunately, we have received a communication from the card issuer notifying us that the GBC (the issuing bank) VISA debit card program has been terminated by VISA without any warning, or explanations. As of this past Friday, all debit cards have been disabled by VISA, therefore, they do not work anymore. This sudden termination affects ALL debit card providers working with our issuers, and not only our company. We would like to stress out that this termination is in no way related to our company.

At this time we have no further information from the card issuer. We will have more information on Monday once we can communicate with the issuer.

Thank you for your patience and understanding. As you can all imagine, this has come to a shock to all of us here at AurumXchange, and we can assure you that we are doing everything possible to come up for a solution to our users soon."

"Dear Valued Customer, we just received email from the Debit Card provider, here it is. Visa today without prior notice shut down Global Bank of Commerce Visa card program. All card as of today will not work. We are to understand this action came after Visa performed an audit on the banks many programs. We have not been told why but only it has been shut down. To our knowledge it had nothing specific to do with our programs only that we are caught up in the problem. We have had this card program up for almost 10 years now with the bank. We are greatly surprised at Visa s actions. We understand that this is a major problem for all on the card program. We will work with you closely to move you as fast as we can to another card program. We have several card programs available to use and will replace all cards at no cost to you. We will work with GBC to migrate the funds to the new cards or transfers to bank accounts. We are very sorry about this situation and will work our hardest to get you through this. Ecardone will keep you updated regarding this issue."

Agree with the above. One note: the infamous Kardashian card was discontinued amid outraged consumer cries. It didn't last long and I'm sure the bank would love to bury that piece of history forever. That's why no one researching the bank today sees anything about a Kardashian card.

AustinMom Wrote:
-------------------------------------------------------
> Agree with the above. One note: the infamous
> Kardashian card was discontinued amid outraged
> consumer cries. It didn't last long and I'm sure
> the bank would love to bury that piece of history
> forever. That's why no one researching the bank
> today sees anything about a Kardashian card.


I found the Kardashian info AustinMom and not from the bank. It was an article that said 250 cards in total had been issued. (Probably why Visa shut it down. They thought it would be popular with kids and profitable for them and it wasn't.)

Maybe UNB was on the list of banks that were in trouble when you were looking last fall, but it doesnt appear to be on any list now according to the URL's I posted, which were not from the bank, so I'll keep working for ACE. The accounts are covered by FDIC anyway up to $250,000, and unless they raise their rates phenomenally I dont think I would be risking anything over $250,000

I am a believer that "Caesar's wife must be above suspicion." Especially when one deals with financial matters. Payquicker has s many questionable issues that it does not worth it for me. Is it bad judgement, naivete, incompetence, on the part of the bank? It does not matter. I am a one person operation, no accounting, no legal dept, nobody to deal so I try to avoid getting in unpleasant circumstances if I can avoid it.

Well I just got paid by ACE yesterday.
Notice given by ACE
Notice given by Payquicker same day
Instructed by Email tranfer to my bank account same day, yesterday
Today my bank shows the money in my account.

Helluva lot better than Paypal. Never received money in bank account from them in less than 3 days.

And I've asked for free debit card which should make it even more convenient.

No complaints here. Absoltely none.

I'm hesitant re PayQuicker BUT if I was an American, the debit card sure does look interesting... instant access to funds... nice. Mind you I haven't read up on all the details so I'm hoping no fees are involved. Unfortunately, as a Canadian, I am always excluded from benefits like that when dealing with American companies even though I do a lot of shopping in the U.S. and could still use it.

As for banks... after the recent exposure of the widespread corruption in both government and the banking industries, I really don't think I'd call any bank "reputable." I am ashamed to say I have a B of A account but if I could find a credit union on the American side that worked well in my situation and did not charge fees then I would definitely change. I will keep my eyes open in case I can find one. Banking here in Canada is very different in the sense that our banks did not implode and were not allowed to screw around on mortgages like the American banks were... the banks here tend to be very conservative and it's not easy to qualify for loans. Hell, I can't even get a $200 overdraft. lol However, although I don't agree with the fees, etc., I will say that overall they are pretty solid institutions here and I don't worry about them going under.

P.S. A few months back, my Mom ran into an older couple here who had driven all the way from Texas with their dog to put their money in a Canadian bank account because they were that worried about the banking system in the States. They were pretty depressed looking too my Mom said. My heart goes out to the people who are in incredibly trying situations right now in the States due to all kind of concerns regarding banks/student loans/medical debts, etc. I really feel for them and worry about the situation.



Edited 1 time(s). Last edit at 04/17/2012 07:33PM by Angel.

Shoppingalong,you have a curiously strong interest in anything to do with payquicker. You have been a member here for just a month but you have posted proactively, even initiating threads, with glamouring adulation of payquicker. You claim not to have any connection, with ACE or payquicker. I will give you the benefit of a doubt. Each person can decide themselves whether they want to use payquicker and have a business relationship with a company that associates with financial institutions with shady dealings. I prefer to wait 24 hours for paypal to transfer my money to my bank account than instant gratification.

To be honest, if I was payquicker and learned that VISA shut down all buiness dealings with the bank that payquicker uses for international money transfers, I would ran away and find another institution immediately. Of course, I would never have as a major partner, in the first place, a Caribbean bank as they have been used for decades as places for shady dealings.

I continue to maintain that paypal is a more reliable company to entrust my money. Heck, I might try the new company formed by Chase and 2 other well known financial institutions. Definitely not payquicker and its shady partners.

Edited 1 time(s). Last edit at 04/17/2012 07:56PM by KateH.

Did one shop under the Payquicker and was expecting the worse, only to get an
email saying funds have been deposited, will be in account within 3 to 5 days.
I'm waiting, Paypal takes 2 days and is in my account, that's the difference I
see.

Thank you for your kind words! Just to clarify, I'm a scheduler and editor - Julie & Tiffany are the super-duper company owners!

-Jamie
ACE Mystery Shopping


shoppinalong Wrote:
-------------------------------------------------------
> KateH Wrote:
> --------------------------------------------------
> -----
> > The problem is that many shoppers are not
> > comfortable with the new form of payment that
> the
> > company has adopted and decided to stop taking
> > assignments by this company. It is not just
> these
> > 2 states. I have recently seen many Ace shops
> > available in many states.
>
>
> HI Kate,
>
> you're right , I saw that thread - but I spoke
> with UNB Bank, they're sending me debit card that
> you can use right away, or will transmit my funds
> to my bank. Just have to email them or live chat
> when you receive funds as to what you want or can
> make either a permanent thing. I'm not worried
> about it, I spoke to two people at the bank.
>
> And Jamie Giles, one of owners and editors is a
> living doll. I trust.

I have had no problem with Paypal or Payquicker. In fact paypal has been shooting deposits to my account "quicker" than ever. Testimonial- no prob with either, but whatever works for you. I never understood why all the long writing about payquicker. Why the hesitation to try something new. I would have thought that shoppers as a group would be open to change.

cynb Wrote:
-------------------------------------------------------
>Why the hesitation to try something
> new. I would have thought that shoppers as a
> group would be open to change.


Why would shoppers in particular be open to change? To the contrary, working as ICs, fundamental changes that would involve extensive time and may be money spent if that change does not work prohibits rushed experimentation. Furthermore, if it was just a smartphone, or a tool/method that would have an isolated impact if it fails, one might try it. However, as it deals with financial matters, one is very reluctant to deal with the consequences if the experiment fails. Both the ICs and the MS companies make decisions based on what is good for them. ACE decided that can mandate payment through payquicker to her ICs. For many shoppes, the minimum of work they did with ACE did not warrant the trouble if payquicker fails. For shoppers who make over +2k a month it just does not worth to deal with payquicker, unless a good chunk of their income comes from ACE. Other companies, like Amusement Advantage offered payquicker as a payment option but did not mandated it. I think that is a point lost by AA shoppers because suddenly they have many shops that are not snatched in a heartbeat as it used to be.Clearly the financial world does not take payquicker seriously which leads me to believe its future is uncertain, or may be it will just stay in its small niche area.When after 4 years the company can not get traction, one wonders.

Why would I waste my time thinking that payquicker will run with my 15.00.
This seems to be a bit paranoid...competition is what this country is made of.
When something bad happens to me, I'll then be concerned, I'm not giving up scarce jobs to get worked up over nothing (at this point). The posts shown
on this boggles my mind, and so far, it's just words with no meaning. The jobs in my town are being taken, unlike one post that said shoppers are staying away, I don't see that. Ace must have a good reason for changing.

KateH Wrote:
-------------------------------------------------------
> Shoppingalong,you have a curiously strong interest
> in anything to do with payquicker. You have been a
> member here for just a month but you have posted
> proactively, even initiating threads, with
> glamouring adulation of payquicker. You claim not
> to have any connection, with ACE or payquicker. I
> will give you the benefit of a doubt<

Thanks for the warm welcome. No, I've been her for 2 and 1/2 months, and just read before that.

It bothers you that a newbie has the nerve
to post and converse with others here?

Tsk.

I wont converse with you again, and then you dont have to be bothered that I
choose to work for companies that you have a hate-on for,.

Good luck to you.

Edited 1 time(s). Last edit at 04/19/2012 04:39AM by shoppinalong.

My 15.00 check was deposited yesterday, three days after email said funds were sent to bank....whew, nothing bad happened, and for the two monthly jobs I do, I can live with it.

shoppinalong Wrote:
-------------------------------------------------------
> Well I just got paid by ACE yesterday.
> Notice given by ACE
> Notice given by Payquicker same day
> Instructed by Email transfer to my bank account
> same day, yesterday
> Today my bank shows the money in my account.
>
> Helluva lot better than Paypal. Never received
> money in bank account from them in less than 3
> days.
>
> And I've asked for free debit card which should
> make it even more convenient.
>
> No complaints here. Absolutely none.


I had exactly the same experience. No issues whatsoever.