Hi, emotion-2003, I don't want to say any bad things about Payment Sense. I just tell you my experience. You judge.
We started to set up our online shop in June, at the same time, we were negotiating with our supplier about products, i.e. we had nothing to sell online at that moment. But we thought it might be useful to contact payment providers to prepare everything. We contacted three companies. One had a hefty fees that was very unreasonable. The second wouldn't discuss any details unless and until we have a Bill of Lading to show them that we have products to sell. The third one, Payment Sense, being enthusiastic and offered a low fee, just as you said, £10 per month (Please be careful of this £10. There is a catch. On top of this £10, you need to generate a certain amount of money for them; otherwise, another £20 will be charged to you).
I was in charge of our website but I had no programming background and I wasn't in the country at that time. My partner, without much IT knowledge, told that Payment Sense salesman that (1) we were just starting, a two men band, (2) neither of us had any coding background, (3) we had no idea of how the payment gateway worked; and (4) we use opencart.
The Payment Sense salesman answered: (1) the integration is very simple, 45-minute job (2) opencart is fine, compatible with them (3) we'll be guided through.
Hearing this, my partner decided to proceed. In just three days, the account was set up and they started to charge us. This efficiency wasn't welcome, because we had nothing to sell. My partner raised this issue, so they refunded the first month charge and and started charging from the second month. Again, it was too quick, as our products were still in a container on a ship. We were paying Payment Sense for a service that didn't exist. However, I took it as their "efficiency", so we didn't say much.
However, two weeks before my container arrived, my website was almost done. So I started to look into the documentation to complete the "the 45-minute job" integration. To put a long story short, the documentation sent to us is entirely for programmers to use. We've been provided with no proper documentation or guidance at all. Their 24x7 support is a sham: I made calls in the evening and nobody answered; emails sent at 3pm on a Friday afternoon were replied on Monday morning at 11am. After several emails, I was told, my Hosting service provider wasn't right, and my hosting plan wasn't compatible with their payment gateway. In order to use Payment Sense, I have to change my hosting service provider and my hosting plan.
At this point, we have already paid almost £200, for account set up and monthly charges. And, we haven't even integrated with them. To save your time, I won't go into details of other bits and bobs with their customer service.
The ending of this story is, financial ombudsman will be involved. I want my money back because P. S. provided inappropriate financial advice.
