I have been accepting credit cards through FDMS a.k.a. the Link Point gateway on my websites sine January 2010. In nearly 10 months of operation, I have had 0- absolutely NO charge backs. A few days ago, I had a good business day, taking in nearly $1, 400 through the account. 5 days later, I realize these funds have not made it to my business bank account and have simply "disappeared". After calling First Data and being transferred several times, I was told to submit my Driver's License, Business License and... read full review »