I will say the easiest sale to be made is switching a merchant off of a LB. Yes there are deals that have to be done on them, but for the most part they dont have to.

Also, I convert more merchant accounts selling them on next day deposits than I do on rate. Typically I wont even lower the rates, at that point its not worth it. But when given the opportunity (lack of competition) I will pull out all the stops knowing it will take an extra day or two just to get the account.

The hardest but best accounts to get are POS systems, especially those where there is a cost to switch. But, if you can sell a merchant on paying a fee to switch their POS system to your processor, those have a much lower attrition rate on both the processing and the funding side.