On average they are saving us $600 per month. The deal is we split it 50/50 with them for so many months, after that all of the savings are ours to keep. Plus, they keep an eye on your fees during this time to make sure those @#$% credit card processors don't find a way to jack up your rate again.
They are good folks, and they actually do what they say they do. Actually, in our case, they under promised and over delivered. They estimated $500 per month in savings, and it's been closer to $600.
When you contact Patrick, please tell him that Donovan Bankhead sent you. This does two things:
1) They will pay me a slight referral commission,