Capital for Merchants is/was NAB's in house Merchant Advance Company....It was the ONLY reason I ever sent a Processing Account to NAB...

They are the absolute worst credit card processing company! Unfortunately they just bought out Total Merchant Services and they have brought the same terrible policies with them :

a. Being transferred to a specialist, wait on hold for 20 minutes, then disconnected
b. Being told all of the terminals in your account will not be affected (by internal changes) just to have your phone blow up because customers cannot process credit cards
c. Dealing with staff that don't know their job...and tell you bs to get off of the phone
d. Billing too much and then apologizing..(oh sure after the fact)

NAB is the worst and poor TMS thinks they are going to improve the cluster of a processor that doesn't care about the merchants or the ISO's.

STay away!!