This salesman Thomas Cody came to see me. He told me he could save me money on my merchant services. He said since I had no charge backs I was eligible to not pay intercharge fees due to dod frank legislation He showed me this great service, so I signed up. I signed on in sept of 2016. In nov I got my statements from both accrediated intercharge and my Wellsfargo merchant services. I calculated percent increase of money accrediated intercharge was taking from me compared to my old merchant services It came to 65.9%.