What is there to beware about? I'm flabbergasted that you're complaining. They didn't claw the commission back from your bank account and probably were trying to get the merchant back on track in the mean time. The bottom line is they paid you for a merchant that defaulted within the first month and they allowed it to come out of future commissions. That seems like a pretty nice gesture to me. I don't know many people that would be so nice about losing their investment and having paid a commission for that lost investment.