I opened up an account with United Payment Services December 2010 for the processing of credit cards. I had previously used another merchant service for 7 years, but elected to switch because United Payment Services offered a lower rate and could help with our new website to facilitate credit card payments. The "field representative" further assured us that there wasn't a contract and that the 10% of all transactions being held was merely a precaution and that it would be returned as soon (3-4 months) as their risk management... read full review »