My gym is claiming I owe them $45 because they tried to charge my credit card 3 times, and it was denied each time, costing them $15 / pop.

I’m not sure why the charge was denied all three times. They say it came back as ‘miscellaneous’, so they just kept on trying to charge it. Each time incurring a $15 Charge.

I had sufficient funds, and my account was in good standing.

Also this was an EFT payment if that makes a difference.

The principles and practice of book-keeping, embracing an entirely new and improved method of imparting the science: With exemplifications of the most … forms of arranging merchants’ accounts

I will be creating a website to sell products within the next year and know that to have a shopping cart i will need a merchant account to process credit card transactions, can anyone tell me what is the best and most cost effective merchant account for a new eCommerce site or could i rely on pay-pal to cover all my needs. i.e will i need a merchant account if i already have a pay-pal account? Thanks in advance.