Authorize has been nothing but a big head ache for me. I applied for a merchant account, $99 USD, and got an email stating that someone from First Service Merchants would get back to me in 2 business days. I waited and waited. Nobody got back to me. It is really difficult to get in touch with a human being. They charged me for the application without providing any service for me. I see that I was being charged on my account. I finally was able to get in touch with someone to cancel my account. A month later. I still see that they are charging me. I am disputing this with my credit card company, the cc company's rep after awhile (with trouble of getting a hold of someone from Authorize on the line to resolve this issue), was finally able to get someone on the line with all three of us to try to see if they can issue me a refund for services non rendered. The rude lady from Authorize said "NO" they will not give me a refund. My credit card company's rep said even he had difficulty getting a hold of someone from Authorize. He had to pretend to be a customer signing up for a new merchant account to be able to speak to somebody. Authorize is a disgrace. It has been very frustrating with them. It is obvious that they will charge you not a small amount for an application, not provide you service, just walk away with your money, and still charge you after the fact that you closed down your account. Since they are such a big company, they have the power to get away with this $#*!. They are screwing the little guys (small merchants). Save yourself time, stress, and your hard earned money by not going with this company.