Overall, I am very happy with netcom. I have had several instances where there have been unsuccessful batches or a problem with a transaction "capture" that I noticed when I went online to look at daily settlements. In each instance, the problem was easily taken care of by a call to a friendly customer service person, and was taken care of right away. The rates are great, and I really appreciate the excellent, friendly customer service. Previously I had processed with the same company for 18 years and I can say that netcom blows them away in all facets. I do not see myself processing with anyone else anytime soon.