We have been accepting credit card payments through several different processors and because of good rates promised we switched to merchant warehouse and merchant one for some of our business stores. Both merchant warehouse and merchant one clear through a company called "merchant services" with a PO Box 5009 Hagerstown, MD 21741-5009 address. We did some more investigation and discovered that the company is First Data Merchant Services. Be aware that it is true that this company will freeze your account and hold funds without... read full review »