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In any Small Business you have Hard Dollar vs Soft Dollar Costs to incur. One (Soft) is much more malleable as (Hard) is mostly fixed expenses such as Lease Payments, Insurances, Payroll etc. Merchant Processing is for the most part in the (Hard) category and can be frustrating as it deals with the LIFEBLOOD of any Small Business which is your CASH FLOW. Between Credit & Debit Card useage for purchasing, this function now encompasses about 95% of all sales transactions globally and the days of CASH being a matter of choice are limited at best as everything in financial services is moving to
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