We are a small retail business which is forced to buy product as is needed. We rely on our credit card and cash sales to fund inventory purchases on almost a daily basis as well as to pay the bills associated with small business overhead. Due to the current economy, cash flow is not what it used to be, so we rely more and more on our credit card transactions. First Data upon receiving credit card transactions, immediately subtracts it's fees from our bank account while holding onto the credit card transactions for well over a week . As a... read full review »