jotucker1983 - are you independent? Seems like you have been around a while. I also pride myself on getting my merchants the best possible rate out there but I find when I do that there is room for good margin still if I did my job correctly and really analyzed his particular merchant and got him the best possible rate. My #1 goal is renewals and doing right by the merchant but I think you can do that and still not leave so much in the table.

I would love to know how your renewal rate this year compared to your previous years in the business. I bet the rate at which merchants renew is lower than ever before like most of he industry despite your minimal fees and doing "right" by the merchant.