The sales rep for merchant services is a well trained liar. He gave us an analysis on credit card fees & would save us 12.5% per year. Our prior OWNED credit card terminal would "cost more in fees, so we could lease this one, but we would come out ahead because that amount would be deducted off our monthly fees". I guess I am a too trusting or he is a con-man. We figured that we would end up paying for the equipment over 27 times over my four year contract is over & still will not own the equipment. He rushed us thru signing papers & brought them back with the blanks filled in the following day. I am not sure which direction to go in now, but I did fax a letter to the leasing company to take us off electronic funds deductions from our checking account & invoice each month. Any suggestions??