The representative of a credit card processing co. (iso) enters my business and wants to see statements from the competition (whoever I am with now)... and proceeds to tell me my % rates are too high and he is all about saving me money. I should mention, we already own our terminal and printer. then he notices we have no pin-pad for debit card transactions; and I tell him we have very little debit card usage. he says it would save money and insists we use one, or we are being foolish; he has one in the trunck of his car and brings it in. what he does not point out is the pin-pad is a lease (with lfg) for 48 mos. at $30.00 per mo. you think you are buying it at the time and he places the papers for signing in such a way that you don't realize you are signing a non-cancellable lease. who would knowingly lease a cheap piece of plastic rather than buy it out-right. the reason the lease is non-cancellable is they know that's exactly what you will do when you become aware of it. when you question what you have leased and find out it's a cheap pin-pad, you want out; but lfg representatives are abrupt and tell you to contact the iso salesperson; it's not up to them. then the run-around begins; the salesman is in the hospital, then he's on vacation, and other employees from merchant lynx services promise to look into it, but never call back... it goes on until you are worn out and the money is automatically deducted from your bank account, since the I so has all your account info. if you change accounts or banks the lease co. comes at you with a vengeance, resorting to threatening letters, phone calls to your home and business at all times of day and night, lawyers, and finally adversely affecting your personal credit report. they deducted over $700.00 before I changed banks, returned the pin-pad, and stopped them from picking my pocket further. I believe there is collusion between these two companies and the monetary gain to the lease co. is partially kicked back to the iso for obtaining the lease agreement! merchant lynx services has an unsatisfactory rating with the bbb and lease finance group is unrated. next, they'll be leasing paper-clips for $3.00 a month.