I wanted to share my positive experience with magicpay merchant services. I have spoken with very knowledgeable representative that understood my situation. I run a credit repair business and I was trying to get a merchant account for the last 2 1/2 months. I contacted magic pay and within a matter of one week after submitting my paperwork I have received my approval letter in the email. I would recommend to use them for high risk merchant account. I got from them a virtual terminal and a recurring billing system. They explained me that because of my industry type There are very few banks that process payments for credit repair, which made sense considering I was declined a few times before. They did training for me and everything is working!