[J.Celifarco]

Just to play devil's advocate how do you know the merchant isn't shopping around on their own.. I understand backdooring deals happens but it is not always the case sometime merchants talk to multiple companies.. I see it every day most deals now you will be competing on so to hear another ISO told them they can get them a better deal doesn't necessarily mean you are being backdoored. It is possible it is the case and you are but I just usually think normal competition and the merchant is shopping, before i think a bank I submit deals to regularly would screw me over

[McoupeBobby]

Just to play devil's advocate how do you know the merchant isn't shopping around on their own.. I understand backdooring deals happens but it is not always the case sometime merchants talk to multiple companies.. I see it every day most deals now you will be competing on so to hear another ISO told them they can get them a better deal doesn't necessarily mean you are being backdoored. It is possible it is the case and you are but I just usually think normal competition and the merchant is shopping, before i think a bank I submit deals to regularly would screw me over

I can rule that possibility out because on my A/B papers I usually change the number on the app to one of my lines. (as many brokers do now a days) Robert happen to call that number asking for the owner by name. Only way he would have that number is if he had my application I submitted.