We are a small retail business which is forced to buy product as is needed. We rely on our credit card and cash sales to fund inventory purchases on almost a daily basis as well as to pay the bills associated with small business overhead. Due to the current economy, cash flow is not what it used to be, so we rely more and more on our credit card transactions. First Data upon receiving credit card transactions, immediately subtracts it's fees from our bank account while holding onto the credit card transactions for well over a week . As a small business we cannot afford to be without any money that we make. We called our First Data rep to find out when the funds would be released only to get the round around about how much longer we would have to wait for them to give us our money. We run credit card sales everyday. First Data takes it's fees everyday. Where the hell is our money? If you don't mind paying another financial institution for shitty customer service while at the same time causing you to lose money, First Data is the credit card processing company for you.