Golf2014., sounds like you need to learn the industry a little better. You complain about not knowing these basic facts of lockboxs and other Mca/ach particulars. These are all very simple and basic tenants of this industry. You send one deal somewhere and make a judgement about the company on that deal? Not a good litmus test. I use snap and they are great if you send the appropriate deal there. Figure it out before posting your nonsense on this forum.