I'm currently on Beanstream with terms that were acceptable at the time (hard to get a Merchant Account) but are now completely unacceptable and am interested in a switch.

- 5% 6 month rolling reserve //

- 2 week + 5 day lag settlements //

- 2.8% blended + monthly fees.

Am I crazy to not switch, or should I present this to Beanstream and get better terms? Other than my terms, I have nothing but ecstatically positive things to say about BS.

Note: my terms are like so because of the nature of my business model. It is high risk, like a TPPA (third party payment aggregator). Think: Eventbrite. Appreciate the feedback.