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Doesn't MERGE have some limits in place, such as based on a minimal rollover before allowing a withdrawal or some type of maximum, like $100,000 per month for withdrawals to PIC? If they signed a contract with PIC, but didn't have these "safeguards" to make sure a player doesn't absue the system, a player could go in, deposit any amount, never play a hand, and withdraw over and over again----and MERGE would still be liable for the transaction fees to PIC, since PIC had completed their obligation under their contact with MERGE. If MERGE had a problem with this player going in, playing 10 hands and withdrawing, they could / SHOULD have set limits or closed his account, but I'm guessing that the 10 hands he played, were more profitable to them then the cost of the 7% fee (especially, if MERGE never planned to pay the fee). I think MERGE is trying to re-neg on the contract because of their own lack of safeguards. Pay PICCLUB!