I don't really trust Smart Biz at all. I've had multiple companies reach out my applicants there who I looked up that previously worked at Smart Biz then start their own ISO's and obviously took a bunch of data with them.

Second I had a file I submitted recently and they included an ISO on the email, whom I have never heard of. There internal notes told them to do so, as per the underwriter on the file at SmartBiz. This would indicate that on any submissions IFS was to be included, which someone would have to internally do for a company I have never heard of. I got the receipts.