[MCNetwork]

I recommend to always quote all of your deals with a 10% origination fee and the maximum allotted commission, and subsequently negotiate from there.

This tactic may have worked in 2008 but in today's competitive climate it won't get you far. You have to know your audience and tailor your pitch for each merchant. For example, you won't go in guns blazing hot with full commission and fees if you're dealing with a 780 FICO merchant with a great business. On the other hand, if your merchant has a 480 FICO and just got out of bankruptcy, that's a different story...