Review Time
What made my experience great was phenomenal guest service and communication by Melissa senior account manager for Payment Cloud. Melissa is incredibly easy to speak with, as her direct speak and follow through clearly shows her commitment to excellence! SENDING A MASSIVE THANK YOU TO THE WHOLE TEAM AT PAYMENT CLOUD!!
ERIK
I don't mean to be harsh, but utilizing this service is a daily challenge. They withhold payments and expect us to contact customers for their bank details—really? It's frustrating to be asked to do their job. While I understand the need for verification and compliance, I can't reach out to my customers for this information. I have all the necessary documents ready, including the Bill of Lading, Insurance certificate, and the invoice from the payment processor. Their customer service and technical support are subpar; they come across as unfriendly and unhelpful. It feels like I'm trapped with them. Whoever manages this company needs to understand how other businesses operate. They charge a monthly fee of $25, a minimum fee of $49.50, a 10% hold on each payment, and various hidden charges. We're trying to earn a living, and they have made it extremely difficult. I strongly advise against signing a contract with them, as there is a hidden exit fee of $600. Please be cautious.
I don't want to mean but using there service is a everyday torture. They Hold Payments and tell us to call the customer and ask about there bank information, really? I mean you want us to do your job. I appreciate the verification and compliance but I cant call my customer and ask. I have every document to share with them, Bill of Lading, Insurance certificate and even the invoice from authorize.net. They have the worst customer service and technical guys. They are mean, harsh and rude. Feels like I am stuck with them. I don't know who is handling this company but they really need to learn how other merchants work. They have $25 fee every month and then there is a minimum fee of $49.50 and then 10% hold on every payment and hidden charges. We are making a living here and they have made it hell for us. Please do not sign up a contract with them, they have a hidden exit fee of $600. Please be aware.
I had a very disappointing experience with this company.Initially, we signed an agreement that clearly mentioned a 10% reserve, which we accepted in good faith. However, without any prior notice, warning, or written amendment, the company suddenly placed a 100% reserve hold on our account.All of our sales proceeds were fully held, which made it impossible to continue operations or provide services. There was no advance communication, no opportunity to resolve the issue beforehand, and no transparency.Even after the company deducted the required amount from the reserve and confirmed that the reserve was cleared, they continued to hold the funds and extended the hold period by 14 days. This effectively shut down our business operations.Placing a full reserve without notice and holding funds after recovery is unfair, disruptive, and unprofessional. This kind of practice creates serious cash-flow issues and puts merchants in an impossible position.I would strongly advise other businesses to read the terms very carefully and be cautious before trusting this company with their funds.
Marlia, my account manager, was really great. She was helpful and responsive throughout the application process.Allie, my customer success representative, was also great. She worked with me to set up the gateway and help me get my website all set to go.
KURVPAY / PASLEY / ELECTRONIC MERCHANT SYSTEMSIf you care about your business’s cash flow, reputation, or sanity, avoid this credit card processor at all costs.I’ve owned my veteran-operated company for over 15 years, maintaining a flawless 5-star reputation. In all that time, I have never encountered a more disorganized, evasive, or unprofessional payment processor than KurvPay — previously known as Pasley and Electronic Merchant Systems. The constant name changes suddenly make a lot more sense.1. Severe and Unexplained Holds on Customer FundsA homeowner paid a $20,000 deposit on November 11th for a $26,055 fence installation project. This should have settled within 24–72 hours like every normal processor.Instead, it turned into a three-week debacle:Week-long “verification” with radio silence$0 released for the entire first week$9,000 released on Nov. 28 (Black Friday)$5,400 released on Dec. 1$5,600 STILL being held as of Dec. 2Their justification? “We’ll release the remaining balance after the fence is installed.”This is not standard, acceptable, or even logical.No reputable processor withholds a customer’s deposit until the job is completed.We are contractors — not a bank. The processor doesn’t get to dictate our project timeline or cash flow.They even demanded a copy of our materials quote as “proof” — something I’ve never heard of in 15 years of business.2. Zero Transparency, Accountability, or ExplanationAcross multiple calls, texts, and emails, not one employee at KurvPay/Pasley/EMS could explain:Why the verification took a weekWhy partial amounts were released at randomWhy they were holding the remainder until completionWhy proof of materials was requiredWhat policy justified any of thisWe received no answers, no timelines, and no accountability.Just contradictions, delays, and excuses3. Unprofessional Customer Service and StonewallingWhen I asked for a corporate phone number to escalate the issue, the customer service representative refused — claiming I had “yelled” at her.That is a blatant fabrication.I want to be crystal clear:I served in the military. Respect is part of my core values.I do not yell at or demean people — ever.But I will be firm, direct, and disciplined when something is wrong.And in this case?My tone was fully justified given the thousands of dollars they were withholding with no explanation.They used a false accusation to block escalation — which is unacceptable behavior for any company, especially one handling large financial transactions.4. Contract Traps, Hidden Fees, and No AccountabilityDespite:Paying $60 per month for almost a yearUsing their service only a handful of times (most customers pay by check)Their mishandling of our fundsTheir role in damaging our customer relationship…they still demanded a $500 cancellation fee.This is predatory, plain and simple.5. This Is Not Exaggerated — We Have ReceiptsThis review is 100% factual and backed by:Phone call logsSaved emailsScreenshots of text messagesTimestamps for every releaseThe customer’s statements and frustrationsI would gladly provide these receipts to anyone who doubts a single word.6. Damage to Customer TrustOur homeowner was upset, confused, and rightfully furious.KurvPay’s incompetence made our company look unreliable — when in reality, we were the ones doing everything correctly.No processor should ever put a business in that position.BOTTOM LINE: AVOID THIS COMPANY AT ALL COSTSKurvPay (formerly Pasley, formerly Electronic Merchant Systems) is a masterclass in:poor communicationevasive customer serviceunexplained fund holdspredatory cancellation feeszero accountabilityand deeply unprofessional behaviorThere are many reputable payment processors out there.This is absolutely not one of them.Protect your business, your customers, and your sanity — stay far away from this company.
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At Kurv, we make payments seamless so businesses can focus on growth. Serving over 30,000 merchants nationwide—from startups to large enterprises, we offer a full ecosystem of payment solutions, including credit card processing, risk management, sales software, and more.
While we lead in fintech innovation, our focus remains on people—our team, partners, and merchants, who inspire everything we do. We’re not just here to power transactions, but to drive lasting success and help businesses thrive.See more
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