They call your business ask persons name , store address , phone number etc. They record it send a packet and then because they are hooked up with Discover card they start charging your bank account for bogus services. They are ripping everyone off, I am persuingq them with vengeance . They offered a partial refund. I said no way I am coming after you. This has to stop, please pass this on. They are in some way associated with Discover card, that is how they get your merchantnumber and bank info. They charged me 89.90 then changed to 39.95 . Please let me know if you have experienced this and what you did.