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I use segpay from many years and never had an issue; always replied my questions also in icq. I did not opted out for the mastercard fee so I don't know how they handled who opted-out; I suppose the bank bills them unless notified within a certain deadline: obviously the opt-out it was given to bank too late so that bank billed the $500 to SegPay, who in turn took it from the merchant (as the chat log shows). Matter it is how soon the merchant told to segpay to opt out from mastercard (or segpay itself) VS the deadline of the bank to say that; and further it SegPay did wanted to loss $500 ofrom their pocket to pay bank and avoid a guy to make drama in GFY forum (still - others who paid the $500 would complain - it is unfair you paid the $500 for this one guy just because he cry in GFY, should we all cry in GFY to get $500 paid?).
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