On January 28th 2014 A rep for Payment systems (elizabeth r.) came into our office and convinced me that will would be saving alot of money by switching merchant services to them. She did not mention the 4 year lease with an equipment leasing company that we did not have before. She did not mention the $10 statement fee, $15 debit fee, $20 Care credit fee, $95 document fee, or that the 1% was actually on top of what visa charges making them much more expensive than what we were paying. We are very unhappy, also did not need this nightmare after just opening a small business 2 months before. Please do not use their services. Really wished i read reviews first. Also no one gets back to you on cancelling their services.