I met with Tovina Payments several years ago. At the time I was in charge for 3 bars and 3 stores and I was looking to save some money on the fees paid to the processor. I could not believe how much I would have save with their company processing. So we switched the processor for all our companies. We saw a big savings since the first month of working with them! The transition was smooth and without any problem. The money was deposited in the bank in a timely manner as they said it will be. The customer service is exceptional– they’re always on top of any question or problem we had, and always solving in a couple of emails or telephone calls.