agreed completely, I just know that unless you know how to speak about the processing intelligently including pricing and process people are very hesitant to switch.. It can be done and i think anyone in the space as a sales person should be able to do it, I just feel most people now don't have the vocabulary to get this done. Merchants look at credit card processing almost like magic.. A person comes in swipes a card then a day or two later the money is in their account. If the sales person does not sound like they know what they are talking about, then the merchant is scared something will go wrong and the money they count on to run their business wont be there when they expect it to be