how do they fund with no voided check? where are they sending the money if they never collected anything? im pretty sure merchant sees a incoming wire for "x" amount in their bank account they are going to find out who the hell sent it. and if they don't want it they return the wire. Most merchants know exactly what they are doing and know how to work the mca system. Just like in subprime mortgages back in the day client always wants to say they didn't know anything but they signed the dam 100 page mortgage contract, with title agent in their face going over everything number by number. If they knew they didn't sign any proper documentation or authorize anything, if they Lender threatens they wont take wire back then merchants would just say f u then and close their account and take the money. Let them come after them for a COJ that was never legally signed.