Disclaimer: While Oaktrust Merchant Services has a wide range of banks and process partners we work with as well as a lead generation company we take no responsibility for a potential merchant not being approved by any bank or processor nor do we take responsibility for any incorrect information stated by any of our contracted partners. We do not take responsibility for any fee's or upfront money required by any bank or processor nor do we take any fee's or upfront money directly from a merchant. All banks and processors have the final say in whether they approve or shut down a merchants account and by doing business with us you understand that we do everything we can to ensure you are approved. We are also not responsible for credit card interchange rates as that is set by the credit card companies and the bank or processor buy rates that we have to pay is set by the banks and processors. We charge a fee for being the broker/partner of these banks and processors and you will be told the final price and see the final price and fee's in the contract before you sign. We also do require you to send certain private information such as a drivers license or address and other information that the banks need for a potential approval. We do not use this information for any other purposes than to give to the bank or processors which is information and or documents they need to include an application filled out and signed by the merchant which is standard industry practice from all brokers/banks and processors for all info, documents, applications collected and required and signed.