In 30 years of credit card processing -3 companies-I have never had a worse experience trying to issue a refund to a customer. My first attempt was a month ago. I have been on hold (transferred by EPN to leaders etc) for 3.25 hours. Still no refund issued. I have no choice but to close the account. If you need a “gateway” keep moving to the next company. I have to take a sedative.