I would like to say thank you Jill for your comment. However, we at Cost Plus Processing pride ourselves on our reputation. I have been with this wonderful company for almost three years and I personally go back within 60 days to show my merchants that I did save them the money I promised. I don't know your situation but if your still processing with your bank you need to call us right away.. your paying far too much! Thank you ma'am ! Be blessed!