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PICClub has been doing business for nearly 3 years. I never heard of a single player using them to be hurt in any way. I never heard of a single legitimate withdrawal request not to be paid. Late sometimes SURE. What poker room or processor in todays market hasn't been? All processors operate on a FLOAT. This means that the poker room must maintain a balance of funds in an account to be used to cover a players withdrawal. No money in a FLOAT no payout to members. How and why would you expect a processor to payout a players withdrawal from a poker room out of their funds and risk not collecting what could be thousands of dollars if the poker room defaults. It is my understanding that a large portion of the money not paid to PICClub also involved thousands of dollars of withdrawals that were never covered by the FLOAT and as a result those player that used PICClub to do business with Merge we severly delayed getting paid. PICClub gets beatup in the forums because a poker room doesn't care enough about its players to maintain the FLOAT. What is fair about this? Merge needs to be held to the same standard as the processor and that is HONOR YOUR CONTRACTS. When did it become so common place in this industry that when a company totally ignores a contractual obligation there are people here that say PFFFFT so what? How dare PICClub make a profit from the poker rooms? Would you rather they make a profit from the player? Lets get real here people.