This is a self-promotion blog entry, but hey, we really deserve to toot our own horn. 
In an industry not known for its honor and integrity, our company, IntelliCollect / Intelli-Collect, is doing its best to show that there are merchant account providers that are more than happy to educate and enlighten business folks -- processors who always engage in fair-minded business practices. Any company that has a long-term perspective and hopes to get its fair share of referrals, must place the customer first before any profit motive and communicate its policies, procedures, and rates in an atmosphere of full disclosure.