GeekPay Review: The New Way to Service Loans and Collect Automated Payments


– Hey guys, what’s up, this is Seth from the RE tipster blog, and I wanted to share
something with you today, because I just recently had a chance to talk with Mark Podolsky, because Mark wanted to give me
a quick walk through of the latest big software service that he’s bringing to the market, which is called geekpay.io, and
the thing that makes this special and I think important, is that it’s a online, cloud based payment processing software that not only handles like the bookkeeping aspect, and the journal entries, and the amortization tables and all that stuff, but it also allows you to accept fully automated payments through both ACH and/or credit cards. And another thing that makes it really really cool, as you’re gonna see in this video, is that
it actually allows you to tie multiple credit cards and/or ACH accounts to each borrower. So, you know, say if a borrower misses a payment because they don’t have funds in their bank account, it would then go to hit their credit card,
and if that credit card fails, it could go and
hit the next credit card, if they have a third one on there. So, it’s just kind of a really thoughtfully designed
software, where I think they just kind of went
at it with a mindset of eliminating a lot of the problems and frustrations that
have just always been there for this kind of loan servicing, payment processing software. I think they’ve really
done a pretty good job at it, and it’s a really easy to use website, it’s not hard to figure out what to do or where to go. So, anyway, without saying anything more, I’m just gonna jump
into the video recording of me and Mark talking back and forth about the website and how it works. If you can just stick
with it and follow along, you can get a pretty good
idea for how things work, and I think you’ll probably agree, it’s pretty simple and straightforward. If this is something that you think you might be able to use in your business, if you’re doing seller financing for any kind of real estate,
or even if you’re like a landlord and you want to collect recurring payments, or
if you need to collect recurring payments for
anything for that matter, I think this could be a
viable option for you. Again, I have not used it a lot yet, but from what I’ve seen of it, it seems like it’s a pretty cool service, so check out the video, and you’ll
see what I’m talking about. – Alright, Seth Williams, retipster.com. – [Seth] I am ready to go.
Although, let’s see here, I’ve got you on full screen right now so I can’t see. – [Mark] Do you see the screen? – [Seth] Should I just
watch you go through it on your end, or do you
want me to like literally create my account and . . . – No no no, I’m gonna walk you through it, and then you can do it on your own. – [Seth] Okay, I got ya. – Okay, so first thing you’re gonna do is click create an account. – [Seth] Okay. – [Mark] And then you’re
gonna put in your information. – [Seth] Okay. – [Mark] And you’re gonna
sign up as a lender. Right? – [Seth] Yep, you got it. – [Mark] And then you’re
gonna agree to the terms of service, and submit, and then you’re gonna get your login, and when you log in, the very first thing I want you to do, Seth? – [Seth] Mm hmm? – [Mark] Is click on
your name. Or hover over your name, okay? So when you do that, you’re gonna go to Settings, and you’re gonna go to
Merchant Accounts, okay? And this is where you’re gonna set up automating getting paid, okay? So when you click Merchant Accounts, I want you to go over here
to Add Merchant Account. You see that? – [Seth] Mm hmm. – [Mark] All these
Stripe, WePay and BluePay are for credit cards, Actim is for ACH. So when you go through
that, you’ll go through each company’s process, as far as getting merchant approval, right? And they’re all different. Now, eventually we’ll have something that kind of gives you, you know, compare and contrast,
on all the merchants, but in your situation, I would start with BluePay for credit
cards, and Actim for ACH. We are also adding this
week authorize.net. So if Stripe, which is
like the easiest to get on, kicks you off, you just go
to a different one, right? If WePay kicks you off, you go to BluePay, if BluePay kicks you off
go to authorize.net, right? So we’re gonna become
merchant agnostic. Right? Actim happens to be the
only bank in the country that does consumer
lending, that completely understand our business, they are the most solid way of getting paid. – [Seth] Okay. – [Mark] Okay. So now once you do that, what we’re gonna first do is, we gotta get our down
payment, so we’re gonna click on Down Payments,
and we’re gonna hit New Down Payment, and we’re gonna say Seth Retipster Test. And how much should the
down payment be for? – [Seth] Let’s say 6,000 bucks. – [Mark] So 6,000. Okay. And then, this is really important right here, we need to connect the correct merchant account. So you click here, and you connect your merchant account, to collect the 6,000. So I might do WePay, or
Stripe. So let’s just do WePay. We’re gonna hit Create. Once that’s created, you’re gonna hover over your name, and
you’re gonna click on it. You see that? – [Seth] Mm hmm. – [Mark] So click on it,
and you’re gonna click Copy link, copy to clipboard, and then you’re gonna go to a new tab, and you’re gonna paste that link, and you’re gonna either hyperlink this on your website, or
you’re gonna email this to your borrower, and
they’re gonna complete their information, okay? Now that should all actually auto populate into our service, but let’s
just pretend that it doesn’t. So, you hit your Down Payment, and then, we’re gonna set up our first loan. So we’re gonna go to Loan Portfolio, and you’re gonna go to your
New Loan, you see that? – [Seth] Yes. I noticed, WePay and
Stripe, I’ve heard from both of them that you can’t
use them for real estate, is that, do you have some way
of getting around that, or? – [Mark] Well, you can use
it for down payments, right? So I’ve used Stripe
for years without issue for down payments, now, my
monthly payments, I use ACH. So, yeah, technically speaking,
they don’t love it, right? So if you do get kicked
off of Stripe or WePay, you can go to BluePay, you
can go to authorize.net. Alright, so you’re gonna hit New Loan. And we’re gonna put in Seth Test, and the amount should be for how much? – [Seth] So this is after
the down payment, right? That’d be, let’s say, 24,000. – [Mark] 24,000? Interest rate? – [Seth] 9.99%. – [Mark] 9.99? And then
are you gonna be like a bank, 360, or person 365? – [Seth] Um, I think 360
is usually what I’ve done. – [Mark] Yep. And, months? Term? – [Seth] Uh, let’s say 60 months. – [Mark] 60 months. And,
interest start date? – [Seth] Let’s say May 1. – [Mark] May 1. And payment start date? – [Seth] We’ll say June 1. – [Mark] June 1. Okay. And
now we have our summary. So we’re getting 511.47
a month, over 60 months. At 9.99%. How long is our grace period gonna be for? – [Seth] I’m gonna leave
it at, let’s go to 15 days. – [Mark] 15 days, pretty generous. And is a late fee a flat, or a percentage? – [Seth] We’ll make it a flat fee. – [Mark] And how much? – [Seth] 25 bucks. – [Mark] 25 bucks. And,
I do 60 days default, I don’t know about you.
What do you wanna do? – [Seth] I’ll do 30. – [Mark] Gonna do 30 days, okay. Awesome. Now, it’s really important
that we get paid automated. So here’s where we’re gonna
set up our merchants, right? So we click here, and for
credit cards let’s do Stripe, and for ACH let’s do Actim, okay? Now we’re gonna just
double check over here our amortization schedule. Because when your borrower comes on, they’re gonna see something like this. They’re gonna be able to see their amortization schedule, so it’s gonna avoid those two annoying phone calls I always used to get, hey Mark,
what’s my current balance? Hey Mark, can I make a
prepayment this month? The borrower can come in
and do it at anytime, right? Also the nice thing is
the borrower can come in and change their ACH
information, and their credit card information
at any time as well. – [Seth] Nice. – [Mark] So now we’ll hit Continue, and now after the down
payment, technically speaking, this should autofill, except for social. But, let’s just put in your information. Seth Test, and we’ll do [email protected], and we’ll do test, and
test, and test, and test. And then the social,
this is going to help you when we get to annual
reports, we need the social so that our bookkeeper
can send out the 1098s at the end of the year,
so that your borrower can write off their interest expense. – [Seth] I just wanna
know, how did you know what my social security number was? – [Mark] (laughing) – [Seth] Did you find that somewhere? – [Mark] Is that crazy? – [Seth] I’m a little
creeped out right now. – [Mark] Yeah, alright, so hit Continue. And now we’re gonna upload here, our promissory note,
our land sale contract, and our purchase sale agreement. And if we’re coming over from Zimple, your screen shot of the
current balance from Zimple should go in here as well, okay? So if that way, when you
set up your new loan, they see, oh, you know,
it’s not starting over from scratch, it’s coming
from here, to here. – [Seth] And the purpose is just so that both the borrower and
the lender can reference all the original agreements. – [Mark] Exactly. So there’s no ambiguity. So we’ll upload our docs,
we can do three at a time, or four at a time, I mean you can just do as many as you want, hit
Open, and they all upload. And this way there’s no ambiguity. So now we’re gonna hit
Continue, we gotta get our fees. Even though it’s set up
and forget it system, there’s always a monthly
fee, and this will offset the expense of GeekPay. So how much are we gonna charge our borrower each month? – [Seth] Let’s say 25 bucks a month. – [Mark] 25? And we’ll just
say, no collection fee. And hit the plus sign, and
we gotta get prorated taxes, so what are our prorated taxes gonna be? – [Seth] Let’s say 100 bucks a month. – [Mark] 100 bucks.
Okay? You wanna just say prorated monthly taxes. Hit the plus sign again,
are there any other fees? – [Seth] I guess in this
example we’ll say no. – [Mark] Okay. So, you can do a $3 no whining fee, right? Hit the plus sign. Oh, and then you go back, you’re like, oh wait, maybe that’s too much,
and you hit the delete it. Now, I don’t know about
you, but I don’t wanna partner with Stripe or WePay or BluePay, or authorize.net, so I
tell all my borrowers the same thing, I get it,
I want reward points too, but if you wanna use your credit card, then we’re gonna charge
a 3% convenience fee, only for credit cards, so hit this little arrow here, and we’ll
just do it for the cards. If we wanna charge for ACH we can, right? I don’t, because I wanna push them to ACH. Because ACH is so cheap,
it’s like 45 cents to a buck, depending on your
merchant, right? History. So you hit Continue,
and we’re gonna connect the bank account, and we’re
gonna connect the card. In our agreements, we ask for both methods of payment, and they authorize it, right? So now we’ve made it foolproof, so we’re not relying on
our borrower to fill out this information, however, if you do have a borrower that is
super super sketched out by doing this, they can
do it themselves, okay? – [Seth] Okay. – [Mark] So we’re gonna hit continue, do you wanna see how that, do you wanna go back and see how that looks? – [Seth] Yeah, sure. – [Mark] Alright, so, we’ll go back. I mean it’s really simple,
connect bank account, right? All this is pre-filled
for you, and then you put in their phone, and you put the account name, the account number, the checking account
number, Actim is going to charge them a dollar, because we want to confirm it’s a really good account, okay? And then if it’s an individual
or company account, right? And then we’ll continue
there, and then we’ll go back, and we’ll hit connect
card, and we’ll put the card holder name and number,
expiration, CVV code, and hit connect Stripe, and that’s it. So we’ll hit Continue. – [Seth] So basically, you as the lender can only fill that out if
they’ve given it to you? – [Mark] Correct. Now, if they haven’t given it to you, they need to fill it out. – [Seth] Okay. And that happens after you invite them, is that the idea? – [Mark] Correct. So I’ll show you what it looks like. So I hit Continue, and when we say, this is what your
borrower’s gonna see, right? When I hit Send to Borrower For Approval, they’re gonna log in as a borrower, and they’re gonna see
their loan term summary, they’re gonna see their
amortization schedule, they’re gonna see their
fees, they’re gonna see their transaction fees, applied to card, they’re gonna see their agreements, and they’re gonna see their information. Okay? Now, what’s great about
this is they can create a payment themselves at
any time, when they log in. They can also email you and say, hey, Seth, just charge me
an extra thousand bucks this month, and you can
go in and do it for them. And it takes a second to do. But when we hit Send to
Borrower For Approval, what we’re gonna do, is
we’re gonna go to emails. So we can see the email we sent them. – [Seth] Okay. – [Mark] And it says
I added you to a loan. We’ll click on it, Hi Seth, I added you to a loan on GeekPay. You can check it out instantly. So when they say View this
link to access it now, this is what they see. So it’s really really easy. So the borrower flows really nice. So if we go to an actual loan – [Seth] So I guess,
hold on just a second, when the borrower clicks on this, I mean I guess in this
example we have not added a ACH account or credit card yet, so where do they go to do that? – [Mark] So the first
thing that they would see is add your account, that would be the first screen they would see. So we go to Payment Accounts. – [Seth] So when they click
on it, this is what they see? – [Mark] Yeah, so when
they log in, it’ll say please connect your bank
account and your card. – [Seth] Okay. I gotcha. – [Mark] If they wanna
invite their spouse, or their partner, to
also be able to log in, they can do that as well. And so what we’ll do is let’s
just go to an actual loan that’s got some different
things going on with it, so we can see what it really
looks like in real life. So let’s go to Nokes. And when we click on Nokes, we can see what’s going on with this note, right? The first thing we can see is all their agreements, their information,
their fees, right? And all that good stuff. We can see how much
payments we’ve received. We can see the scheduled payments, the final payment, and
what their status is. But if we go over here to Emails, we can see some issues, right? Here’s her first notification. You’re charged 104 for the
loan, and then we do fun facts. Because every time I get a charge, it’s a little sting in my heart. So to mitigate the sting, we
give them a little fun fact. So if you put 1/4 teaspoon
of baking powder when hard boiling eggs, the egg
shells will peel off easier. Thanks for being the kind
of person that honors their commitments, I appreciate you, you’re the best, buy more land. Right? – [Seth] Sure. – [Mark] So, here’s another one. A payment of $104 was successfully posted for the Nokes loan, keep on lending. The GeekPay Team. So that’s what we get as a notification. Your loan is in good standing, thanks for making your payment, your loan is now in good standing, thank you again for being a reliable borrower, as usual if you have any questions
we’re always here to help. So what happened was, she
had a payment fail, right? It says your payment of $180 has failed, please log in and try
to make another attempt, or add a new payment account, to put this loan in good standing. So that’s what she sees. Now it says, your loan is now late. Oh no! Your loan is now late,
however you still have time to pay and bring your
loan into good standing, just click on the following link, and that’s where she would go. We will continue charging
interest and billing as per usual, please make
sure to make a payment as soon as possible as you risk defaulting your loan, your current
past due amount is. So this is all automated,
all the notifications. Technically speaking,
she should never have had a failed account, so we
don’t know what happened, if we go to Payment Accounts, she’s got four accounts on file. If the first one fails,
it charges the second one, if the second one fails,
it charges the third one, if the third one fails, it
charges the fourth one, right? How that happened I don’t know. But let’s say she calls you and says, Seth, I’m sick of getting charged the 3% convenience fee, make my ACH the primary. All you would do is drag and drop. See that, you can just drag and drop. And that’s it. So, she can do that, she can
add more payment accounts if she wants, you can do it for her. We have good math, we look
at the Journal Entries, so we can see the Principal Entry, right? Here’s another payment. We can see the Penalty
Fees, because she was late. Here’s her Service Fees. Here’s another Service
Fee when she set up Actim. Here’s a Penalty Fee, right? Another Service Fee,
another Principal Entry, another Principal Entry. So we can see all the journal entries that’s going on, proper
accounting with her. – [Seth] Just to make sure I understand, I know like in this
example we said there was a $6,000 down payment,
is that payment made like apart from this loan we set up? – [Mark] Yeah, because
that’s not part of the loan, that’s just the down
payment to set up the loan. – [Seth] Okay, so. – [Mark] Right, because you’re
not loaning that amount. Now you can show that
in the Journal Entry. – [Seth] Okay, so it is
shown as a Journal Entry, really just for accounting purposes, but it has nothing to do with the payments that are coming in and out of this loan, that’s just like maybe I got it as a cashier’s check or something like that. So we can start with
the first loan payment. – [Mark] Correct. – [Seth] Is there any way
to make the first payment as part of this thing, or
is that not part of it? – [Mark] Yeah, absolutely,
you can have your payment start date whenever you want. You can create a payment,
you could charge a, I mean you would just have in there, like in down payments or create a payment, you would just add like the
description of what it was. Like I charge a $499
doc fee, I would just do create a payment, doc fee, right? So we can go in and do that. As long as you have permission to do it. – [Seth] And when you create a payment, does that send it to them for approval, or it just automatically . . – [Mark] No, it automatically does it. – [Seth] Okay. – [Mark] Yeah. So, when we go to Payments, well we would go to Overview, and Create a Payment,
and we’ll just put the description in here,
charge borrower account, only with the explicit
approval from borrower, right? So there should be some paperwork involved with letting them know, hey,
this is what’s going on. – [Seth] Okay. – [Mark] So, that’s how we do it. Now we do Billing Statements very similar to American Express,
so if you look at your American Express statements,
exact same thing. And this does really good math. And then, that’s it, you can edit it. If you go to your payments, let’s say that she calls up and says, hey, let’s say, you know like, we
do a 90 day refund policy, so, first month they call and say, hey, I saw the property,
it sucks, I want a refund. You just click on here,
and you make a refund. And that’s it. Very easy, in your Payments. You can edit the loan,
you can stop payments, all that good stuff. Annual reports, let’s
keep our bookkeeper happy. You just hit download. It goes out, and they
get all the information for each borrower. – [Seth] The Billing Statement part, is that like an email
that goes out to them, or that’s just something
they can come in and view at their . . . – [Mark] They can, yeah, they come and see their billing statements
after they make a payment. – [Seth] Okay. – [Mark] Yeah, and then we have emails. – [Seth] And when payments come out, they get an email just telling them, hey, the payment came
out, that kind of thing? – [Mark] Exactly. When you go to settings, and this is where you would set up your email signature, I’ll have fun facts for you if you want to copy and paste them, and
then you can see your Subscription, and hit
your Merchant Accounts. You can see what’s been set up. And the number of loans per account. – [Seth] So if I already have like an existing BluePay
merchant account, can I somehow enter that in, or
do I have to apply for it? – [Mark] No, you’ll be able
to just, it’ll be seamless. – [Seth] If I wanted to
not include fun facts with my emails, like if
I just wanted to sting people and offer them no joy at all, is that possible to do that? – [Mark] Yeah, you just
don’t put any fun facts in. – [Seth] Okay, awesome. – [Mark] We have free
support, you just come over here and click this,
and hit new conversation, and ask your message. Alright, so that is GeekPay. Any other questions? – [Seth] Not that I can really think of. If you’re gonna work
with BluePay, or Stripe, or WePay, is BluePay
the most expensive one? Like do they have a monthly fee? Because I think with my BluePay account I gotta pay like 25 bucks
or something per month, whether I use it or not. – [Mark] Yeah yeah yeah,
I’m merchant agnostic, I have nothing do with the merchant fees. So, you know, depending on where you are, if you’re a startup in
land, or you’re a startup in any business, your merchant fees are gonna be more,
because more risk, right? You don’t have a track record. I mean, doing this for as long as I have, you could probably get no fee and 2.2%, it just depends on their risk reward. – [Seth] And if you didn’t want to set up a merchant account,
well I guess you have to with Actim, right? – [Mark] Well, let’s
talk about that, right? So when we first set up that loan, we automated it, right? But if you remember
when we first set it up, we could manually track the loan. Because you will have people that actually just send you checks, or they send you cashier’s checks, and it’s not automated. So, you just come in here and you hit Create a Payment, and
you would manually do it. And that’s where you would do it. See how I did that? I’d put in the description, I might say April payment, and process the payment. Now when I say Process Payment here, it won’t charge them,
it’ll just do the math, so it’ll figure out your
principal and interest, and it keeps transparency. – [Seth] Journal entry? – [Mark] Yeah, it’ll
do the journal entries so everybody knows where they’re at. It’s not ideal, but that’s what we can do. – [Seth] So really, all
of your seller financed deals, whether they’re
taking payments out or not, this is a good way just to handle the accounting for them, right? – [Mark] Correct. Yeah, this is the only
automated financial CRM in the world, that I know of. – [Seth] Say if you didn’t want to accept credit card payments
and only ACH payments, is there like a merchant approval process you have to go through
with, is it called Actim? Is that the company? – [Mark] Yeah yeah, absolutely. So, it’s, you know,
you’re gonna have to send two months bank statements,
you’re gonna be bankable, they won’t check your
credit, but if you’ve been to jail, they may not accept you. So 99% of our merchants are accepted, they understand our business,
they know our business, so it’s not an issue as
long as you’re bankable. So when you first go to your name, and you hit settings, and you set up your merchant account,
right here, you see that? That’s where you’ll go
through that process with each merchant. – [Seth] Gotcha. And do you know about how many days it takes them, approximately,
to approve you? – [Mark] It takes seven
to 10 business days. They’re gonna have you fill out paperwork, and you’ll just send them paperwork. But everything is done through GeekPay. – [Seth] So like, when you click on that, Apply for Merchant Account button, does that take you to their website, and then you do it there, or? – [Mark] Yeah, let’s check it out. So let’s go Add Merchant Account, and let’s Connect BluePay. So now it says, fill out the
form to add BluePay, right? So you have account name,
account ID, secret key. To get required
credentials, please log into your BluePay account and go to Admin, Accounts, List, Options, View. – [Seth] I gotcha. So that does make it pretty easy then. – [Mark] It makes it really easy, right? – [Seth] That’s nice. – [Mark] And that’s it! – [Seth] That’s awesome, man. Kudos for putting together
such a nice system. – [Mark] Thank you. – [Seth] Okay guys, so that
was the GeekPay walkthrough, and before I wrap this up I just wanted to add a few last minute
thoughts before we end this. As you probably noticed,
that video was recorded in April of this year, so that
was a few months ago now. Since that time, I actually applied for an Actim account, so that I
could accept ACH payments. I was able to get that
approved no problem, it was, I wouldn’t say it
was like the easiest thing, it took a little bit of back and forth, and was a little confusing,
but we did get it done, so it wasn’t terribly difficult. Also since that time,
they’ve added authorize.net as an option here, and
that could be another solid option that I don’t have yet, but may be worth keeping in mind. Also, something I was waiting for before I published this video was
to see what the pricing of GeekPay was gonna be, just so that I understood what’s gonna be the cost of maintaining these
different merchant accounts in addition to paying for BluePay? I can tell you for each one of these, BluePay and Actim, I’m
paying 25 bucks a month, for each one. So that’s 50 bucks a month right there, and then the cost of GeekPay,
you can see right here, these are kind of the options. If you’ve got 0-10 notes, that’s probably a range a lot of people
are gonna fall into, it’s 99 bucks a month. So you’re basically
looking at like 150 bucks a month, which I think you
can totally offset that by adding servicing fees to your loans and that kind of thing, but even then, say if you’ve got like one loan that’s for a really small property,
so maybe you’re taking in like 100 or 200 bucks a month, it may not make sense for that, but
I think once you’ve got a few loans up and
running, and you’ve tacked on monthly servicing fees
for each one of those, it could totally make sense. One final thing I will just
note before this video is done. In terms of these Merchant Accounts here, GeekPay is not affiliated
with any of these things, so it’s really up to you to make sure you understand the rules and
the terms and conditions of using each one of these. I will say that some of these companies, you’re actually not supposed to use them for doing real estate transactions, or you can use them for real estate, but only in a very limited capacity. Like for example, BluePay,
it is okay to use that, but I’ve actually got a separate video and blog post explaining,
even though you can use it for real estate, there’s
a lot of situations where it’s not gonna
make sense based on the rules that they put on their users, so. That’s just something, you know, I’m not gonna get into all of
the specifics of that, but that’s something
you should be aware of, whichever one you decide to use, make sure you are familiar with
what you’re allowed to use them for in terms of
real estate transactions, because for a lot of them, especially when you get credit cards
involved, there’s a lot of these rules and restrictions for what you can and can’t do. I think the original intent behind GeekPay was to help specifically land investors and real estate investors with their seller financed deals, but you could also use this for a lot of other things, say if you have a loan
that has nothing to do with real estate, but
you just wanna collect payments for something, I mean, that could be another
potential use for this, or collecting rent payments, or any kind of recurring payment. I think a lot of that is fair game. But just keep in mind,
if you are using this specifically for real
estate, just be aware of the rules that come into
play with each one of these, or whichever one you decide to use. So yeah, I think that’s a wrap, pretty solid system, it’s
got a really nice design, a very easy flow, it’s pretty easy to figure out how to use
it, and I just thought it was worth telling you guys about. Hopefully that was helpful,
thanks for watching, and I wish you all the best with your next seller financed deal. And if GeekPay makes sense for you, hopefully it works out well for you. So, thanks for watching,
talk to you later.

3 comments on “GeekPay Review: The New Way to Service Loans and Collect Automated Payments”

  1. bryan taylor says:

    i run a credit repair business do it work for credit repair business

  2. Robin Kauppinen says:

    Thanks for the great review Seth!

  3. celi dega says:

    I have no comments to the lender side of things because I'm not a lender or Business owner. As a customer Geekpay sucks. I have purchase some land which is financed and Geekpay is the company processing my payments every month. Which is fine. The problem is the account overview. I cannot see what my loan balance was or is. I see no payment breakdown, there are other issues. I made an extra principle payment, I can only see it was made on the Geekpay website. I contacted the Geekpay support team so many times to get this resolved and now I have been ignored all together. These features should not be for Business owners alone, their customers should be able to see almost the same information. Before I make another purchase I'll confirm with the Business owner if they use Geekpay or not. So far my experience has been terrible.

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