Be very careful about applying for the virtual terminal. I applied in 2007 and never heard back from them. Now all of a sudden, 3 years later, they are holding a 30% daily sales reserve on all of my sales and holding for 90 days....claiming it has to do with the virtual terminal. they did this last month and I thought we had it resolved...until I checked my email today that they are going to again hold 30% for 90 days. And I have NEVER heard back about the virtual terminal or have ever used it!!!
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