Started with united bank merchant services... They had open, honest business practices. When they changed to harbortouch merchant services, things changed and not for the better! Harbortouch merchant services is awful to work with.. They don't notify you about new fees, they just withhold it from a pending deposit of funds. Customer service is terrible. Every representative I have spoken with seems to hate their job (Or at least that is tone that they use). If they give you any kind of discount they make up for it with fees that are not even on their statements. They just access your account for additional fees or they withhold money from deposits without notification of any kind... You have to discover it and call them. Terrible experience!!! Hopefully this will save someone from their dishonest practices. I would rather pay higher rates than ever deal with this company again.