This has happend to me to, I was lied and cheated, They say that the discount rate will be 1.29%, but all my discounts on an average were 3-4% and when confronted, I was told that the discount rate varies if a different card is used. I understand if it was little +-, however I was told 1.29 and I am being charged 4%, Also we have lost almost all chargebacks when people order and falsely claims they didnot order. Their customer support is non existing. I am a small photographer and becuase of Noble Pay. I have lost a lot of money. Be aware they have bunch of hidden cost in the contracts. The owner claims he is ready to talk, but is never available. I would make sure I do a complaint to Atoorney General about this fraudlent practice by noblepay. Check other ripoffreports about them, this crooks should be shut down . I have taken my business away.