I have dealt with North American Bancard. Sales person lied, tricked me into buying a used processing machine instead of an new one which was $395, They pulled the money from my checking. I refused to do business with them. I went to another company. I have been still waiting a resolution from Attorney General of Michigan, but they are showing them the application that turned into a stupid agreement, fine printed with a gimmick, 12 pages long. But they show it to you after you work out so many details. What ever they don't want you to see in writing they prefer to talk on the phone to cut on the paper trail. I have most of the email communications.
Better but almost the same. Unexpected fees, compliance requirement that does not mean anything, all they do is play games, and give you a hard time to charge extra fees. These type of companies are all the same, I have talked to 6, 7 of them they all play games say one thing do another. BEWARE.

Go to 'square.com' set up an account receive credit cards with your smartphone if your business volume handles it.
I am very very happy. %2.75 per transaction, That is it!!! I am a hairstylist.