[J.Celifarco]

Then how do their sales reps get paid? On salaries? You and I have both seen direct funders charge more for going direct than when submitted through third party brokers. The whole "it's cheaper to go direct" mantra is bogus.

Direct or broker means nothing. What the merchant is charged falls on one person and that is the sales agent working the deal. How much upsell and additional fees that are charged fall on the sales guy. If they want to bang the merchant over the head they will and it wont matter if they work directly for one of the big banks or for a small iso