It appears that I have also fallen prey to this company. I set up an automatic debit with them for this so called merchant card and when I realized that I wouldn't have the $200 I tried to call the phone number I was given only to get a message that all circuits were busy please try again later. The money was taken out of my account causing me to go negative and I still cannot get through with the phone number. I wish I would have researched this company better before giving them my bank information. I'm going to contact my bank on this matter but I doubt they will be able to help me. If anyone has any luck getting a refund from these people please let me know. In the mean time I'm going to file a report with the BBB.