Preaching to the choir on this one.
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Billing schemes reminiscent of the late 90's hey-day of wild west billing models have started to resurface among a few merchants utilizing their own merchant accounts. These are billing practices that would never be allowed under the careful management of an Internet Payment Service Provider (IPSP). Easy to miss pre-checked cross sales, additional offers under the submit button, and hard to find cancellation procedures are just a few of the unscrupulous practices that are cropping up.
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Some IPSPs are allowing people to use unscrupulous practices in their billing, and in some cases are even defending it. Many of the IPSPs are just part of the problem, and will also be paying for it in the long run.