We started working with this comapany a month ago. It was to say the least the worst experience we have ever had. They are liars, deceivers and scammers. We filed an application with them and from the begininning to the end were misled and cheated. If you are a merchant looking for someone to work with, do not work WITH CCBILL. I have never had such scammers in my life. These guys are bad news. It is a giant dog and pony show. No one knows what they are doing and then they lie about having an office somwhere in Romania or Bosnia. They say we are all in ariona! LIARS!!!! DO NOT CALL THESE GUYS DO NOT FILE AN APPLICATION. PLEASE STAY AWAY!!!!!!