My experience may be different but I regret coz I never get to smile after every Payment.. Instead I have to keep following on emails to just receive the payment or end up been told I owe them money hence deducted..So,I ask which money do I owe?They tell you there was a refund made,who made it;Them so why am I been charged for it if they decided to Refund it themselves and made the commission for themselves..Am I paying the commission or the fee? The answer is am paying the commission which they happily took.. Cant be right to say this is Fraud on a bright light ? Thats DPO for me..