Where to start. First - AVOID ANY RETAILER USING CERTEGY!!! I started using Murpay several months ago. It is a way to get a lower gas price at Murphy Oil locations by using there pay system and I can pay for my childrens gas with out having to hand them their own credit cards. It involves making payments directly from your checking account instead of a credit or debit card. It sounded simple. You set up an account and link it to your checking account. When you go to buy gas you text there system and they text back a code to enter at the pump... read full review »