To anyone who uses an vitual termination to process payments beware of BANKCARD USA and their bed partner AUTHORIZE.NET these companies make their living on your business account however they can. I closed my account on Dec. 4 with them and was told to fax it in, (if you are told this make sure you keep your fax confirmation) because they will tell you they never received it and then you will be told you must close your account by writing them and requesting it, they never request you fax a request. Although I hadn't processed anything with them since Dec. 4 I was charged in Jan and Feb when I disputed the charges and they we returned to my account this company debited them again and did it in such a way that I couldn't dispute them again. Then I received an email saying I owed more money and responded to email only to find out about their bed partner Authorize.net. Well authorize.net will be waiting on that $20 something dollars because if their partner didn't share what they took from me illegally they won't be getting it from me. Be sure to close your business account before you request your account closed with BANKCARD USA and Authorize.net because if you don't you will be paying over and over and over and over and over again. Bankcard USA doesn't tell you about authorize.net this is why at the end of the month you will get hit with additional charges of $40-$100 extra. They say it is the way the credit cards are processed and if they are rewards cards and such. You have been warned don't use BANKCARD USA and when you are looking for a credit card processing company if they tell you BANKCARD USA is the worst you better believe them.