Do not enlist your company to process credit cards through Process America out of California. They charge 10-20% "reserve" funds for 270 days, as stated in their contract. Once their 270 day period is up they will not release your funds no matter how big or how small this has added up to. Go with a larger, more legitimate company that follow through on the contract that you arrange with them. Plenty of other larger companies release your funds without even hassling them for it. I know of a company that clsoed 18 months ago (twice the contract period) and they are still giving the run around of why they will not release even one red penny. Not only do they gouge you with rates of apprx 5% then they charge an additional reserve of 10-25% that is supposed to be somewhat of a savings account for you or your company and they fraudelantly will keep that as well. Why take the chance? Use a real company. offshore merchants have a better chance of returning your funds than these crooks!!!