I recently contacted EPS requesting to be refunded an $85 Annual Fee charged to our bank account on 12/03/2010 because, although we initially explored using them as our payment processor (more than a year prior to this annual fee being charged), we advised them at the time of our intention to cancel, and never proceeded to do business with them. EPS is refusing to refund the annual fee, claiming that a contract was formed when we sent in our signed application and that according to the terms of that contract, we would have needed to terminate... read full review »