Business ProfileforAuthorize.Net

This company should be ashamed of itself and it's predatory business practices. Like the other reviewers, I wish I had read them before signing up. We're an established business that was looking to add ACH to bypass the slow postal system for checks. They approved us for ACH, so we ran a single test transaction with a client and called to validate everything looked ok. We asked about running additional payments from the client and they said things look great. So the next day we ran 3 more ACH transactions. The following day, we got an email from their risk team that said "We regret to inform you that a business decision has been made to close your eCheck.Net account immediately. Based on our review, all processed funds may remain on hold for a minimum of 90 days from the last processing date."When I called in, I'm told they will not disclose the reason for closing our account and stated our "business model" was the reason. So now this company is going hold $4500 of our money and not release it under any circumstance for 90 days with no proper explanation. We asked to refund our client and they refused. We asked about our client doing a charge back and they warned they would then pull another 4500 from our checking account while still keep the $4500 for 90 days. I offered for our client to talk to them, or send documentation on their letter head stating they would not do a chargeback on a refund, but nothing. They have refused every attempt to resolve this issue with no explanation. I do not understand their business policy to not do a proper background and risk assessment on a business until AFTER they run transactions. Shame on you and what you're doing to small business owners. We're trying to grow and manage our cash flow and improve our collection time from the postal system just to have these crooks take, and I assume earn interest, on ours, and everyone else's money they are holding on to. I will never work with this business again.