Market forces at work. with today's competition and the general knowledge of cash advance by small businesses, it isn't as simple as it used to be. Thanks to folks who know very little if anything about processing, many merchants switched only to have rates sky rocket, or big ETF fees assessed, or major lease and terminal fees add up. Many merchants we speak to, one of the first questions is, "this isn't one of those credit card deals,m is it? Because I am NOT switching!" (though there are others are OK, or even prefer it that way).

Basically, because of the practices of the past and experiences, the market has been pushed more and more away form the traditional split processing route. Now it is lokked at as the alternative, as opposed to when it was the preferred and ACH was the alternative