I've been dealing with credit card merchant accounts for our company for many years. The lack of transparency in the industry made it impossible to know if I was getting the best rates possible. Then I found http://www.cardfellow.com where major providers compete for your business. All bids are cost plus based, so you can do a real comparison of the bids. Rates are locked in for life. You can keep the gateway that you're currently using. I ended up with a different division of the same provider I was using, but at a much lower rate. This reduced my net merchant account cost by 3 percentage points. Give it a try. There's no cost. And I have no connection to CardFellow other than that of a very happy customer.