Crane states: "A United States Federal District Court has already determined that MasterCard is a monopoly. MasterCard's continued unfair dealings and the imposition of baseless fines, penalties and fees on Internet merchants, such as Paycom, simply prove the abusive control that one finds in a monopoly." Paycom's chief executive officer, Christopher Mallick, comments: "We are in compliance with MasterCard's rules as a merchant, yet they fine us millions of dollars.