A common way for merchants who are new to the business to choose a provider is to look at the price alone. I'm not saying that it's not important to get competitive rates. I'm saying that price is just one of many things that should be taken into account. But because other important factors are unknown at the time, price usually ends up being the main factor, which can lead to bigger problems that cost more to solve. Even people who have worked with credit card processing fees for years find it hard to understand them well enough to negotiate good prices. Just to help you: I went to NY Biennial Statement Online and got the right merchant without any hassle.