Unless you are a merchant that still accepts pretty colored rocks, is time to go beyond walking on the moon type ancient processing and move into the present age where patents must be used to protect advanced processes, software encryption and where merchants become a digital payments agent are being paid instead of charged. Older concepts in the industry are changing rapidly.
For the first time in history a merchant can get a 20% commission back from his account, keep the same equipment and the same rate he currently has just for starters. That merchant can refer other store owners and receive 5% of the commission generated by their account. It will not take very long repeating this process until the middleman is totally eliminated.
Service actually improves because this provider already does over $4 billion in business and has won numerous awards for their technological advances in 2010. You simply refer other business owners and receive commissions from their operation and you can repeat it all the way down to infinity!