if you think the MCA industry is oversaturated the merchant processing business is ridiculously oversaturated, it's so easy for merchant to cancel and switch to another processor there's typically a $250 cancellation clause........the bigger guys have developed a new system For instance with restaurants - the merchant processing company will go in and say Hey will buy you a new micros POS system for signing up with us or a new hood if you need it, and if you ever decide to cancel the clause in their contract is the price of the POS or Hood therefore they have zero cancellations because nobody wants to pay them back 10 or $15,000.

You have to also remember that these merchant processing companies have call centers filled with about fifty or a hundred agents hammering the phones all day so you're really up against the wall