I have been a business owner for the last 17 years and for the past 8 years Process America has done my credit card processing. I am a high risk business and when there are any issues with charge backs, Process America is on top of the issue immediately. My monies have always been given to me in a timely manner. I am a repeated customer because of the hospitality, genereosity and honesty that lies within Craig Rickard, as well as, all of the staff at Process America. I do not have one complaint about the company or anyone affilated with it, rather, I would recommend them as your credit card processor. I speak to Craig Rickard on a regular basis and he has been nothing but helpful and extreamly attentive. He is an honest and loyal person. Anyone who works with Craig Rickard or Process America will immediatly see that.

Thank you Craig and Process America for exceptional business throughout the years. I look forward to many more!

- A Loyal Merchant

Of course this is all TRUE, Craig you are a convicted felon and you've ripped off many people with your con games! Don't do business with Process America as they will take your money. Stop trying to cover up the truth under your fake responses, this is obviously you doing a poor job covering up the story,

Craig Rickard of Process America is a convicted Felon, He was convicted of trafficking cocaine and served seven years in a federal Prison. We are talking hundreds of pounds of Cocaine straight for the Cartel, That ran through this guys crime ring, . Reformed ? No still an (alleged )criminal. Yes, How is he illegally operating a financial institution as a felon, well we will get to that. All of these allegations are supported by evidence, and will be hard to argue if your Craig, Mr Rickard had quite a scam going and has modified it into what he thinks is a perfect white collar crime. But after years of patience and meticulous documenting. I have the evidence to put his little scam to an end. You see at Process America, customers often have money held on transactions, leave deposits, almost like security bonds in lieu of charge backs or suspicious transactions. These rules are standardized to protect the Bank.in order to offset any unpaid credit card processing that may either be disputed by customers or the Card Company Process America) itself. Customers over exceed the funds allowed to be processed in their MPA so the company can hold funds for up to 6 months. Hundreds of thousands of dollars fall between the cracks in these scenarios, especially because business do not pay attention or are simply fraudulent and do not want to face the recourse, When the companies fold or are terminated the money is often forgotten or the customers are told it was absorbed. Well safe to say from the records obtained from the bank I have work at, that Mr. Rickard not only persuaded others to forge and falsify documents making these monies available to him and his accomplices. When these companies go out of business, or their contracts are terminated. MANY ARE HIGH PROFILE PORNOGRAPHY RINGS AND BUSINESSES WHICH ARE THE MAINSTAY OF PROCESS AMERICAS CLIENTELE so when these guys run for the hills or forget about these deposits, Deposits that do not belong to Process America but are held as a refundable security. IT IS EASY PICK'NS FOR CRAIG RICKARD Mr, Rickard has persuaded some of his closest cronies to obtain similar DBA's and take legitimate customers deposits and switch them into alternate fraudulent accounts that seemed to the banks to be the same companies. However they were not. Many of this switching is just the surface of many of Craig Rickard's non ethical and criminal behavior. This predominately took place in the companies inception. But now I have learned that Mr. Rickard hes refined this down to a science. Craig Rickard lives like a rock star, He is arrogant and proud and thinks he is above the law. I can literally write a novel on this guys facade to subvert authority, and run his company as a felon against strict federal guide lines, Mr. Rickard put the Company in his wife name because State and Federal regulations will not let him operate a financial institution as a felon. However, he fraudulently masks his relationship as the Chief Officer and owner. behind his wife who he met in a strip club and has recently divorced him allegedly for her lack of heterosexuality. I don't know, and it is OKAY to be gay, if the story is true. I do know however he bough her a house on an esteemed Country Club in Simi Hills somewhere. She divorced him. It happens. All in all my complaint speaks for itself. I am not angry that Mr Rickard's dreams have come true and that it seems last He lives like a hybrid of A rock star and Tony Montana but as you can see Mr, Rickard still has a sense of entitlement when it comes to breaking bending subverting and proffering from his ongoing criminal enterprise, Time will catch up soon. The wheels on the bus go round and round. The names of his accomplices will soon come out as I am handing all documents over to the Attorney Generals office and the F.CC. Have a nice day, I suggest it will be a lot nicer if you consider that this company is not a good choice based on my allegations. Its not illegal to process pornography Companies, That is not my complaint, Craig Rickard is not charged with any crime as of yet, So these are merely allegations and he innocent until proven guily! Everyone is entitled to due process. Once the rock is turned the bugs will run!

As stated before, These are not complaints, they are jealous rants from a few disgruntled ex friends and employees of Craig Rickard and Process America. Not a shred of merit to any of it, What is the truth? Well, in knowing Craig thirty years, I can honestly say that he is exemplary as an ethical business man. He is also a credit to society. He has taken advantage of his mistakes by learning from them. Craig is overly generous and loyal to his customers. he is an honest and fair man, a great father. These rants are the last ditch attempt to ruin or discredit Mr. Rickard's climb to success all because he would not continue to loan money out as ha has done to try to help his friends. The price for saying no? Perhaps. In the thirty years I have known Craig, There are few people that have risen up as trustworthy and productive members of society with his credentials. Congratulations on your well Earned success Craig!