Commas Arvostelua 

Summary of Complaint

-On 2/26/25, I paid $5,000.00, through the FanBasis, which recently rebranded to Commas, merchant payment processing platform, to a Seller offering a 1-on-1 Mentorship and Coaching Program. [Document 1]

-On 5/25/26, in accordance with FanBasis/Commas’ published Terms & Conditions, I filed a “Formal Dispute and Request for Partial Refund” for “Material Misrepresentation of Purchased 1-on-1 Mentorship and Coaching Program” with them, against the Seller. [Document 2]

-On 5/27/26, FanBasis/Commas confirmed: receipt of my dispute and “Assigned Case Number #141953”. They stated I could send any additional documentation to add to my case file and that case investigations could take 30-60 days to complete. [Document 3]

-On 6/9/26, I contacted FanBasis/Commas with additional documentation to add. I notified them that I no longer had any access at all to the 1-on-1 Mentorship and Coaching Program I paid $5,000.00 to join. My login credentials had been revoked by the Seller. [Document 4]

-On 6/18/26, I received written communication directly from the Seller regarding “Dispute Settlement”. He stated that he received my FanBasis/Commas dispute and offered me the $2,500 partial refund I requested in Document 2. [Document 5]

-On 7/8/26, I received written confirmation from FanBasis/Commas that my partial refund had been issued and processed. They stated I would receive it in 5-10 business days, if I had not already. In a later phone call, they stated the “$2,000” reference was a typo. [Document 6]

-On 9/18/26, more than 60 days after confirming my refund had been issued and processed, and after many email/phone follow-up attempts asking where it was, I received a written statement from FanBasis/Commas saying, now, I will never get the money back. [Document 7]

-The above chronology, and the accompanying communication documents, accurately reflect my experiences with the FanBasis/Commas merchant payment processing platform, and the Seller using that platform to transact new business.

-I am submitting this matter for independent regulatory, legal, and public review, to determine whether FanBasis/Commas' handling of this transaction, its dispute, and the subsequently confirmed but never received refund warrants appropriate scrutiny and enforcement action.

-I am seeking payment of the $2,500 partial refund that FanBasis/Commas represented had been issued by the Seller, and processed by them, on 7/8/26. On that date, in writing, they confirmed my refund “should reflect in your original payment method in 5-10 business days”.

DOCUMENTS 1-7 ARE AVAILABLE AS PDF ATTACHMENTS UPON REQUEST

Their customer service is absolutely terrible. You can ask the most basic, straightforward question, and somehow they manage to talk all around it while giving you a quick response that doesn't actually answer what you asked.

They advertise their platform and the features available when you sign up. So I signed up, only to find out afterward that I wasn't allowed to use the affiliate feature. When I asked why, I couldn't get a clear answer.

I then asked a very simple follow-up question: What do I need to do to become eligible for the affiliate program?

Again, no real answer.

There was no specific timeframe they could give me, no minimum sales requirement, no milestone I needed to reach, and no clear criteria whatsoever for when I would receive access. So essentially, from a customer's perspective, it feels like the luck of the draw. The responses have been absolutely asinine.

Affiliates are a significant part of my sales strategy, so access to this feature is extremely important to me. Apparently, they want you to establish sales before giving you access to affiliates—but affiliates are one of the tools that can help you generate those sales in the first place. That makes absolutely no sense to me.

And good luck with their "live chat," because there is nothing live about it. Not even a chatbot is there to acknowledge or handle basic questions. You can literally send message after message and wait for hours hoping someone eventually responds. Then, when someone finally does respond, there's a good chance they still won't answer the question you've been waiting hours—or even days—to have answered.

Absolutely horrible customer service and an incredibly frustrating experience.

After experiencing this myself, I can understand why I've come across so many one-star reviews. At this point, the experience has also left me seriously questioning how representative some of the glowing five-star reviews actually are.

Mijn creditcard is ineens belast voor meer dan 500 dollar terwijl ik alleen drie ETA’s heb aangevraagd voor de UK. Ik dacht gewoon via een betrouwbare site. Geen commas of zo’n hoog bedrag gezien of goedgekeurd. Vreselijk.

Des arnaqueurs, j'ai acheté une prestation pour un visa express à 40€ = Au final pas de visa et j'ai été débité de 230€

Ojooo!!!Aparecen como pagina oficial para tramitar el ETA UK y son unos estafadores, pues no se dedican a eso si no a quedarse con tus datos personales y cargarte en cuenta 399,00 libras cuando la ETA cuesta 20 € y además cuando tú no lo has autorizado!!!!

Commas has been a great company to work with. Their tools like the Studios feature is great.

Elite support inside of the Slack as well!

Commas is great to work with! Helped me grow my company, clients have access to CC payments and financing now. They work direct with me to resolve any issues and have nothing but good things to say about this team and this company!

Major rip off!!! I lost big money! Once they have your cash they're gone. They provided me with a fake website showing I had earnings from sales. Tried to withdraw money. I have not received a dime with no way to get in touch with them! I'm seeking legal action
I was really excited when I started this program as I am retired and was looking for a side business. After I paid the initial $2500 they asked for more stating the my returns would be that much greater so I put more money in. I eventually said that's enough Daniel! (He went by Daniel Kask) for the next couple months all of my conversations with him involved asking me for more money. I told him repeatedly I had put enough in and wanted to see some results. They gave me a link to a website which was supposedly mine. 5 months or so later when I tried to make a withdrawal nothing happened. No withdrawal no communication and no action. I guess I'm a little slow but was trusting. It's all bogus. There wasn't any website, all fake. When I tried calling all phones and emails were non responsive.
I'm working with authorities and will retrieve my money but I'd trade it all to see them go to jail!!

Amazing very appreciative thank you again. 10/10 I highly recommend

At SACHPER Agency, we’ve had a very positive experience using Commas. The platform is straightforward, easy to navigate, and has helped us simplify the way we manage our business finances and payments.

What we appreciate most is the simplicity of the platform and how quickly we can handle transactions without unnecessary complications. For an agency working with e-commerce businesses and international operations, having a reliable and efficient financial solution makes a real difference.

There are still areas where the platform can continue improving, but based on our experience so far, Commas has been a useful and valuable tool for SACHPER Agency.

Honestly just a poor experience through Commas (Fanbasis) it has been a nightmare I have been trying to withdraw money for 2 months and haven't been able too.

Their team support is sub par.. They seem like good people to no shame to them just had a hard time figuring things out

I almost changed my complete business processing. happy I didn't because I would have been out tens of thousands of dollars.

Good luck figuring it out urself if you get into this situation

I'd never had a good experience with payment processors until I was introduced to Commas.

Now I can tell this is the #1 payment processor for Info Bussineses.

The customer service is 100% human and super effective (very rare to see on other platforms).

Also the app works very smoothly, and you can process payments with a lot of financing options.

Shoutout to Nick, Eddie and Felipe.

Commas.com heeft mijn creditcard belast met een bedrag van 142 euro voor een ETA UK die ik nooit heb gekregen. Als je om een refund vraagt weigeren ze dat. Dit is fraude. Pas op!!

Orlando stuck with me and kept following up on an urgent issue we had until it was resolved.

Very responsive, great company to work with. I wouldn't work with any other payment processor.

Dude this is the BEST payment processor I have ever worked with. GET RID OF STRIPE. These guys customer support is WAY better than any other

I ordered their program, which stated I had a ninety-day money-back guarantee. A family emergency happened just a day or two after I ordered, I have been trying to get my money back since. Their system for refunds is totally outrageous, consisting of having to talk to a 'real person'. I have placed three tickets with them to try to get this resolved, and each ticket has been closed because I did not contact them within 24 hours. Today I tried to get a 'live person' and ended up downloading a program that gave them access to pretty much everything on my phone. I never did talk to anyone because the program didn't work right and wanted to run through my computer. There is NO number to call to talk to your 'mentor' or anyone else. I desperately needed that money to take care of the emergency I am dealing with. Now it seems that this is nothing but a scam and I will never see my money. Don't give me your damn generic response of 'I am sorry' because it is bull! Give me my money back like your ad said you would, 'no matter what the reason', but this is important. No wonder people call you a scam, because you are!

Fanbasis flashify scam, reverse charges or else

I love it. I love Commas so much, man. They are way better than Whop, in my opinion. They move with speed. They always respond and are so responsive, dude. Within 24 hours, I usually get a response. They always go above and beyond to help me. I love Commas so much.