I think cdgcommerce uses UBC. as for this whole odc mess, I talked to bluepay again because i still had not received my refund of $25 that i was charged (i faxed a letter requesting refund as instructed to by them). I was told that odc was no longer issuing refunds and they pretty much told bluepay to shove it. off the record i was told to change my bank account numbers, and tell the bank that my account information has been compromised, and i will notify all of the authorized persons of my new account #, and to deny an charges to the old account. I was told that if odc attempted to pursue merchants for cancellation fees, that they would have a class action suit on their hands, and they would not want everyone complaining to their district attorney.