I never set up a merchant account nor ever used one and have been charged for 9 months 49.95 and just finally saw this being taken out of my account. I never signed anything nor has this account ever been activated yet they continually charge my bank account monthly. I tried to cancel and get a refund yet they will not refund and the people answering the phone are rude and not helpful. I will be going to the police and filing a report. Hopefully these crooks will be shut down!!