kurvpay.com

KURVPAY / PASLEY / ELECTRONICkurv MERCHANT…

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.

Date of experience: Nov 20, 2025