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Guys,
The reserve is not a fee, it is paid back to you after 180 days, also most of the other processors has this reserve.
The rates are still the lowest in the industry, 8.9% is for very small clients, most entry on 7.9% then going down to 4.9%.
If you want to go to a competitor that gives you the 5% reserve and 15% down to 10%, that makes no sence to me.
Regarding if we go public and say that we might get penalties, yes we do, almost all processors and acquirers in this industry get penalties from time to time for a non-complient client. That is just how HR processing works. That along with other 'problems' is why you want an IPSP instead of your own merchant account.
I will also go public and say that there are no plan what so ever to increase or rate or reserve further. On the other hand, there is a plan and project to remove the reserve again.
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