The only issue I take with Fees that ISOs charge is when they call and ask the Origination/ACH Prog. fee to be waived completely (and it's always because the merchant is "upset" about the fees) but still charge their closing cost. Tell me how the funder should feel about that?

Oh, and the second part about 5-20 dollar ach's sounds like out and out trickery on the Brokers part. Never heard or seen that before but still it doesn't surprise me.