As a company we had charged a customer £2200 and the card declined the customer provided an AMEX went through no issues. The next day we had a call from the worse admin person ever, Lucy Cook to be precise, asking us why we tried to take the payment, explained it was declined and here is the proof, and sent her details, with no further communication a letter was supposedly sent to the company to say seize trading on machine, letter we not sent, anyhow unknowing we continued to use the service now have nearly 10K locked with them and they have just advised we cannot get paid for 180 days . just in case of chargebacks. DO NOT USE there merchant services absolutely shambolic I have complained to financial ombudsman hopefully they can help. Best bit - reason for closure - we do not own all the cars we advertise. well when you book an airline ticket with a travel agent they dont own planes.