This message was posted by TOTWGraphics on AmayaUsers.com. PLEASE DO NOT REPLY VIA EMAIL. Instead, respond to the thread on the WEBSITE by clicking here: http://www.amayausers.com/boards/ultimatebb.php?/topic/10/52.html#000012 My wife has been selling CC processing services for years- She currently sells processing primarily for Nationwide Payment Solutions (http://www.nationwidepaymentsolutions.com/) All I can tall you is be wary of anyone promising lower rates than their competitors, read everything very carefully, and ask a lot of questions. As I understand it- Visa and Mastercard charge a certain rate- something like 1.69% virtually all processors MUST pay that rate- anything above that and whatever fees involved are their profit on the transaction. That rate is going to go up every year Anyone promising lower rates is burying difference in there somewhere. She loses customers up here in AK and back in Florida all the time to people promising low rates only to have them call her a few months later when they discover they're now paying more- One of her local competitors is even in actuality a collection agency! =========================================================== The AmayaUsers Mailing List Website: http://www.amayausers.com Discussion Board: http://www.amayausers.com/boards Subscribe/Unsubscribe: http://www.amayausers.com/list ===========================================================