This company is SO BAD. I can't even START to tell you. They're thieves. I cancelled my account with Secure Pay and CTS Holdings Inc and Pipeline Data (I never could figure out what company was doing WHAT) LAST YEAR, and each month this year they just go ahead and take $23 out of my checking account. I can't get thru to anyone at a phone number - it's awful. They're screwed me over so bad, I can't even describe it. And their accounting for Merchants is such a mess that you never can tell if you received your payments or not?!