Recieve a Free No Cost No Obligation Analysis of your Merchant Account (Credit Card processing Account). If you are not recieving "Straight Pass Through" at True Bank Cost then you likely have hidden fees. Most Processing Companies and Banks offer a great "Front Rate" but in reality they pad Visa and Master Card Interchange Surcharges to make a hefty profit. There are over 50 Tiers that Visa and Master Card catagorize card types and some processing companies often "Miscatagorize" these tiers which result in a higher rate. They disguise them with labels such as "Qualified", "Non Qualified" and "Mid Qualified". In reality, these catagories do not exist. They are simply the Processing company or Banks way of disguising hidden fees. If you are not getting Straight Pass through then you are not getting wholesale rates at true bank cost. My recomendation is to have your statements analyzed at no obligation.