When shopping for the best merchant account, you're really looking the lowest markup over base costs. There are true costs associated with credit card processing that merchant service providers can't control. Think of credit card processing as a tangible product for a moment. Like with any product, there are costs to bring it to market that aren't negotiable at the retail level. The only aspect of price that is negotiable is the markup over wholesale. This same model applies to credit card processing services.
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