I have never been so unsatisfied with a compnay since I have been in business. My friend suggested that I try Meritus when I originally opening my business. I have not one good thing to say. They are crooks. They charge fees that are hard to figure out in lamens terms but when I compare it to almost every other company, they dont have the same fees/ catagories... so #1, they steal money from you. #2, their customer service is HORRIBLE! My dog is smarter than the people working at this company! They took hundreds of dollars out of my account and one person, out the of the 5 that I spoke to were able to tell me why, etc. I have called several time son other matters and have in to get help and had to explain my issues. I have spent months working with them to reconcile my issues and have gotten no support, just handed from one customer service rep to another.. I think their plan is rather than help you to frustrate you so you give up. Well I did give up, I swiched my processing to another company, and Meritus then started answering my phone calls. They also hit me with a $2085.00 cancellation fee, which Im going to court for and had to get an attorney over. I have spoken to Alvin, who is a manager, Effrin, Jason, Myah, and Lu... they have all sent me over the edge with there horrible customer service. I then spoke to Scott Lamoureux, who is the operations manager, and he was worse. He was yelling at me over the phone and had the nerve to tell me that I better stop trying to get my money back because it wasnt going to happen. And since then, hasnt answered one phone call, but took money out of my bank account, without giving me anything in writing. Under Federal and California Law that is stealing. So, if I were you and youre searching for a new processing compnay... run and run fast when you hear the name Meritus!