I am the sole proprietor of a small business in Indiana. We use a merchant account to process VISA/Mastercard. The Discover Network was set-up to handle our customers with Discover cards. We were only billed for the months that we actually had any transactions. Then we started having $49.95 charges on our Discover statements from UMG*MERCHANTTECHSOLUT. After several months, Discover closed our account because they passed it onto UMG. The charge for $49.95 has appeared every month since, even though there are no Discover transactions. A rep... read full review »