Guys, I'm gunna pass some great info on to all of you. Check out www.Transfs.com They send out your business for bid from various credit card processors. (Similar to Priceline) I got Interchange pricing + .10 plus .10 per transaction, $10 Statement fee, No early termination fee. The rates vary from 1.19% to 2.65% depending on what kind of card it is (Rewards, Corporate, Debit, etc) I am saving roughly $80 a month since the switchover. RobT PS, they are in Beta version, and still getting some of the kinks out of their business.