They will do anything to get your money, and they have before under a different name. The company is completely unethical, and uses contracts to keep people in there scheme. They got ahold of my phone number and will not stop calling me. I have told them so many times that I am not interested in their services. I even said that I did not trust them with my business. The same salesman continues to call me. I am getting fed up. He wants to run my information to see how much he save me. No way. Do not use Pay Certify/ Certified Payment Process.