UMPA comes in to tell you that they are cheaper than everyone else, but they do not tell you about hidden charges. I asked directly if they charge for authorizations and was told that they do not. When I got my bill I noticed that there were a high amount of transaction fees. It turns out that they consider an authorization to be a transaction, so they do charge you. To top it off, when you cancel your service, they continue to charge you for 3 months!