Originally Posted by pompousjohn

I am sure if they were going to charge you 15% or in that neighborhood for processing they might be able to see their way clear to do that, but I doubt they would make that change just for you. I deal with 3 different private MID providers and this behavior is standard across all 3.

On the plus side,

1) when all is said and done I pay around 7% to process with them.
2) Orbital's invoices are much easier to understand (once you get used to them) than their competitors, some of which seem to intentionally obfuscate the fees.
3) I average (over 4 years time) 50% better rebills with private MIDS than I do with 3rd party, because 3rd party doesn't make repeated attempts to bill customers, they usually just drop declined cards after one attempt.
4) They deposit my funds within 2 business days vs 2 weeks with 3rd party

So 50% better re-billing rate + half the processing fee + cash in hand after 2 days + the ability to set my own custom scrub level based on what works best for me is more than enough reason for me to "just deal with it" as far as how they want to deposit my funds and withdraw their fees.

Originally Posted by pompousjohn

BTW there's 3 things they bill you for:
1) Discount
2) Reserve
3) Fees

Your daily deposits are the total you billed customers minus your discount and your reserve. Once they have whatever reserve you agreed on, (usually 10% for 6 months) they will "cap" it and stop witholding that, and your daily deposits will only be missing the discount rate.

The withdrawal you get at month's end is the fees, which TBH are hard to assess before the month is over anyway.