i am a buisness owner and I have used this credit card processing company for a few years now. During the past two weeks I changed my marketing stratagey and increased my sales 300%. One would think thats good news but not Merchant Solutions. They stopped my credit card processing and are now withholding my $50, 000 of my money. Apparently they are known for doing this. I was told they do this because they are afraid of a company going out of buisness, which is not the case but if they withhold money and you cant pay your bills, then they force you out of buisness and keep all your money. Its a scam. Please do not use them.