This company is horrible This company is horrible. A client paid me 2 weeks ago online, because it was a big purchase they being Flagship Risk Department decided to hold it & not contact me. After 8 days I contacted them they are cold & couldn't care less, I asked them why no one contacted me within the 2 days if they thought the funds was sketchy, and why they didn't email me, there reason is because they were busy?!! After I sent them them proof of the funds, being transaction ID number Cody sends me an email saying he was calling the cardholders.. being my client to see if she sent these funds. All of this is very embarrassing for me, my business & my client. From the beginning Flagship didn't want to work with me. As a Black women who has her own successful business, they should have been happy to welcome business from people serious and passionate about there work as i am. I regret using flagship & they have not released my funds as soon as they do, I will be finding a new merchant. They don’t deserve my business. I do not recommend this business at all. There still holding my funds from me, even when Authorize.Net secured it through. If Flagship Risk Dept cares this much to hold people's money for no reason without stating there reasons, they should do there job & actually reach out to there customers immediately when they spot issue. I only signed with them because there interest rates are low, but they lack intelligence. Cody literally told me that they don't do business with people paying for gift receipts online and he's never heard of gift receipts online?!! I was dumbfounded because its like any transaction, in any store, i just named them gift certificates for family that wants to buy a surprise for family and friends. The worst is when I was upset that they were holding my funds already for a week and no one reached out to me, no one apologized, they didn't care. Never have I experienced such horrible low professionalism. It’s all Completely unacceptable. I will be filing a complaint with this company.