When it comes to merchant processing, it is not uncommon for merchants to all be set up with the same cookie cutter template, and not industry specific, which is what is needed. I believe each company should be set up with what best solution fits their specific needs, versus the processors. Prior to joining Payteva, I was working for a Direct Processor for around 8 years, and I have been in the financial industry in several roles for over 25 years. I am one of few in the industry that specializes in Level 3 processing for Business-to-Business companies, which provides significant savings for this specific industry channel.