Surprise! Wells Fargo found after an internal probe that some of it's reps were ripping off customers and charging some very high fees as per the WSJ. Unfortunately this practice is all to common among processors. I have seen companies that sent in statements where for some cards they were being charge 14%! This happens at the big name firms all the time as they take advantage of a merchant's trust in their established name. The bottom line. always make sure to deal with a reputable merchant service provider.