Choosing the right credit card processor is an extremely important business decision. Merchant Services require that many moving parts effectively work in sync to ensure transactions authorize promptly, accurately, and securely. Compounding this complexity is the fact each business is unique and there are a multitude of POS products available to satisfy credit card processing needs. A Merchants choice will ultimately determine the reliability, security, and speed of the network on which credit cards are processed as well as the effectiveness of how chargebacks, fraud, and irregular transactions are handled. It will also affect the quality of service and support, the availability of funds and of course the overall cost incurred for accepting electronic payments.