I got much better rates with flagship merchant services. I'm doing the interchange rate which is a percentage over the actual percent that visa or mastercard charge. They started me out at .25% and I called today and got it lowered to .20% (and it sounded like if I call again in a few months they'll lower me again. I only charge over the phone and tt comes out to be a drop more than costco on some rewards cards but cheaper on some and reawrds cards and cheaper on all non rewards cards by a significant amount, specially on debit cards. The charge per transaction is 17 cents.
No sign up fee, no cancellation fee, no set up charge for the terminal. I had a monthly minimum of 20$ but when I called today they removed it completely. There was a monthly fee of 6.50 which got lowered today to 5$ and there's a 9$ monthly fee for the virtual terminal (which would have been cheaper had I not needed to have the ability to run reoccurring payments). They also told me that if I call firstdata (which owns the terminal), they could probably lower it. (they usually use authorize.net but I chose first data cuz they do free reoccurring payments)
Overall, every time I call them they're awesome, and I was amazed how easily they lowered my rates and fees today. I think they also have the fastest set up in the business which is why I went with them in the first place.
They also got rated number 1 by toptenreviews.com (which I'm not really sure is worth much)
If you have any other questions about them feel free to ask. (and with that I feel like I sound like I work for them)
