I am a small business and only do business in November and December. After having First Data as my credit card company, I decided to switch my credit card processing to Leaders. I spoke to a Chris Lopez extensivly before signing up. I asked on several occasions what fees there were since there was no Application Fees, monthly statement fees, settlement fees etc. I was given a rate and when I received the contract I looked over it carefully. I received my first statement and wow the non-disclosed fees amounted to almost 5% of my sales. I phoned customer service, looked at the contract and my statement asked more questions and then was told they don't have to disclose all the fees, and then hung up on. Whatever you do, DON'T do business with this company because the will bleed you dry!!!