Propay collects fees for a transaction like other processing companies, however unlike other processors, if you have a return you can not refund the customer the full amount without adding funds to your Propay account because the fees charged by propay are not canceled. YOU pay the fees regardless of the any refund. I even had two transactions that processed and then propay put a hold on the transactions. Even though the funds from transactions were never released (completed) I had to pay the fees. The fees were not available in my account at... read full review »