I needed a new Merchant Services provider because the provider I had was increasing my monthly fees after promising they had the lowest rates! I shopped around and found Merchant Services Club. It's been a year and they have kept true to their word. They promised a free credit card terminal and I got one and they promised 20% off my current rates and I got lower rates. I couldn't be happier! Merchant Services Club is the best out there; there is no comparison!