I do not rip off customers. To my dismay, United Payment Services challenges almost all of my orders through them. They make me provide invoices and delivery confirmations. Thats fine and good business practice on a sample of processing but not all. Once you provide them that info, they ask for more affidavits to release your money. It has been 3 months they have held my +$3, 000.00 and even after sending all info they have requested. They will never send anything in writing requesting info because they can continue to lie over the phone. I am now forced to wait the six months they claim they can hold my money. They will not do any investigating themselves leaving it all up to the biz owner. Do not use United Payment Services for any cc processing, you will wait 6 months to get your money.