Leaders Merchant Services gets you to sign up with a one year contract with no fees and a decent rate. Then after one year they bang you out with a list of fees from dormant fees to access fees. When I complained their excuse is they made a notation on one of my statements saysing that there may be some fees applied to recoup an increase from Visa. In addition they wont refund me for charging me for a service that I did not even sign up for. They are a true rip off. Stay away from them. read full review »