Was curious who you guys use for your credit card processor? My family currently uses Heartland, but we've been hit up recently by two competitors to switch our credit card system. After all charges, fees, etc., we pay a total of anywhere from 4.5-4.75% each month. Didn't know if any of you guys have been convinced to switch to another processor, and their promises of low rates held up. Or if you switched and are currently getting screwed. After looking at their contracts, it's almost impossible to determine if the overall costs will actually be lower or higher than oru current guys. And it's pretty annoying that they want you to sign up right there, and don't want you take home their numbers and do your homework to ensure that you'll be saving before switching. Thanks for any info!