I just wanted to say how impressed I am at your business prowess in terms of actually understanding how payment processors work. I used to work customer service for a credit card processor and I was consistently dumbfounded by the amount of merchants who would call in having no idea what they even signed up for. They often acted as if reading the terms of service before they signed was the most outrageous expectation in the world. Le sigh.

So kudos for savvy businesspersonship (...new word?) as well as sticking to your principles!