I have to tell everyone I can to stay away from Multicards. Their service is HORRIBLE and they have made up fees that are not in their terms of service / schedule of fees. They have made up chargebacks and only reversed some of them when I contacted my customers and asked them to get a letter from their bank stating that no chargeback was ever made against their transaction number. I have not accepted money through them since Dec 6th 2007 and I asked when I would get my money. Seemed like every time I asked for a payout they made up another charge back. They told me when the charge backs stop or 6 months after the last transaction was made. I told them I was not going to use their service anymore and they terminated my account. In their email dated Jan 13th 2008 they told me 180 from the account being closed. and gave me the date of August 18th, 2008. Their website gave the charge back fee of $45.00 each one which is high but at the time I had no other choice to take payment with a normal credit card. The did not tell me the $45.00 is in EURO so that really cost me 68.00 USD. All their fees are in Euro even if they say $$$$$ Stay way they are a huge scamming company!
I am a memebr with multicards for long time and never had anyproblems, i am running adult web site and they always pays on time.. I am not sure about charge back lies.. multicards is very big company and they fully registered.. i don't think they will do anythink like that... anyway.. i am happy with them... cheers