Someone help sell me on virtual terminal. What does it give me that other similar products does. They want a 30% rolling reserve, that evidently is applied to everything on your account, including paypal to paypal transactions. the $70+ card reader only enters the card info, but you still have to fill in all the rest, so really thereader is useless. I'm on the fence, the rates are similar to bank of america. the monthly fee is the same. the only difference is, bank of america does not hold 30% per transaction, and charges me a monthly extra fee for the card machine. Please help, I really want to find a reason not to use BOA.
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