The idiot who complained about Habor Touch didn't buy it and never owned it. The system is a great POS System!! While it is true that it is sold with a merchant account so are many other POS Systems in the US. If you don't like it don't buy it but that doesn't make it a bad system. The company behind it United Bankcard is a solid company and they offer Great Rates & Service. As an agent of United Bankcard I have the option of setting my own pricing as long as it is above cost. Also the cost for Harbor Touch is very competive and you have the option to lease it or purchase it. Despite all of the features that help you manage your business the one I like best is the service contract which allows you to cover any repairs needed for the lifetime of your business not just 5 or 10 years. So don't knock a system before you have tried it because you have no idea what you are missing.