Here's the problem I have with this scam outfit. They charge you $1.95 basically for nothing, then immediately you are charged another $38.21 US, no 24 hour wait at all. The next day they burn you for another $57.61 US. Why do they not simply add the $1.95 and the $38.21 together for a total of $40.16 right up front? Because NOBODY would buy that, now would they? I called Visa today and explained it to them. Now Visa reads their TOS to see if there is anything they can do to help. They got me through to a call center in the Phillipines, (hard time understanding the gal on the phone) who gave me the email address above to ask for a refund. I applied first thing this morning, and shortly after I got a reply offering me $40 and $25 partial refunds on the two invoices. I figured a $65 US refund was better than a kick in the derriere. I suppose there is always the possibility that had I persisted, I may have got it all back except for the $1.95. But I don't know that for sure. So, to anyone out there who has been stung, here's a chance to get at least some of your money back. Good luck.