This scam company is a registered ISO of MERRICK BANK, PREVIOUS HARRIS BANK they are running a fraudulent enterprise, The scam consists of placing a 20% reserve for any credit card transacion to cover potential losses for high risk business, but if for any reason your business is shut down they must by the credit card association rules release those funds after 9 months of the account closure., but in process america\\\\s case they wont release a penny, it seems that CRAIG RICKARD is living a lavish life style off his closed EX CLIENT\\\\S account\\\\s reserve. Apparently processing credit cards is not CRAIG RICKARD main business, obviously stealing his client\\\\s reserve is more profitable. At this point several EX angry clients are filling a class action lawsuit against CYNERGY DATA and PROCESS AMERICA to recover the stolen money tjhat CRAIG RICKARD collected over the years. Some clients went even further they are seeking the FTC help to assist them against PROCESS AMERICA DECEPTIVE BUSSINES PRACTICE. I hope somebody at MERRICK BANK, HARRIS BANK or the CREDIT CARD ASSOCIATION read this and put a stop on this SCAM. We also made a background check on CRAIG RICKARD and according to police records he was arrested on drug possesion back on 1991. DONT DO BUSINESS WITH PROCESS AMERICA, THEY WILL STEAL YOUR RESERVE!!!