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      http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url>  <loc>http://www.merchantcouncil.org/</loc>  <lastmod>2010-02-17</lastmod></url><url>  <loc>http://www.merchantcouncil.org/resources/index.php</loc>  <lastmod>2009-02-18</lastmod></url><url>  <loc>http://www.merchantcouncil.org/resources/planning-assistance/index.php</loc>  <lastmod>2009-02-18</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/downloads/index.php</loc>  <lastmod>2009-02-08</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/downloads/find-manage/index.php</loc>  <lastmod>2009-02-08</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/downloads/visa/index.php</loc>  <lastmod>2009-02-08</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/downloads/mastercard/index.php</loc>  <lastmod>2009-02-08</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/best-merchant-account.php</loc>  <lastmod>2009-11-04</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/shopping.php</loc>  <lastmod>2010-02-15</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/news/banking-trojans.php</loc>  <lastmod>2010-02-13</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/new-merchant-account.php</loc>  <lastmod>2009-04-13</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/merchant-account-quotes.php</loc>  <lastmod>2009-01-26</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account-information/merchant-account-information.php</loc>
  <lastmod>2009-10-22</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account-information/interchange-fees.php</loc>  <lastmod>2009-10-22</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/faq.php</loc>
  <lastmod>2009-03-04</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/index.php</loc>  <lastmod>2009-12-15</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/save-card-processing.php</loc>  <lastmod>2009-12-15</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/credit-card-refunds.php</loc>  <lastmod>2009-11-05</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/credit-card-processing-tips.php</loc>  <lastmod>2009-11-04</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/low-merchant-account.php</loc>  <lastmod>2009-05-14</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/lowest-rate.php</loc>  <lastmod>2009-04-02</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/switch-provider.php</loc>  <lastmod>2009-10-01</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/multiple-merchant-accounts.php</loc>  <lastmod>2010-01-27</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/save-money/return-fee-refund.php</loc>  <lastmod>2009-03-02</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/glossary/glossary.php</loc>
  <lastmod>2008-12-08</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/services/cardfellow.php</loc>  <lastmod>2009-01-18</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/operation/overpay-credit-card-processing.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/free-credit-card-machine.php</loc>
  <lastmod>2010-02-17</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/credit-card-machine-leasing.php</loc>  <lastmod>2010-02-17</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/credit-card-processing-myths.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/cost-accept-rewards-credit-card.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/operation/merchant-account-mistake.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/credit-card-processing-quote.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/pass-fee-customer.php</loc>
  <lastmod>2009-04-23</lastmod>
  <priority>0.80</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/reasons-merchant-account-decline.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/about.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/contact.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/submit-content.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/benefits-credit-card-acceptance.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/merchant-account-basics.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/rates-fees.php</loc>
  <lastmod>2010-01-14</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/merchant-account-pricing.php</loc>  <lastmod>2010-01-14</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/your-merchant-account.php</loc>
  <lastmod>2009-01-21</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/credit-card-processing-equipment.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/apply-set-up-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/merchant-account-sales-tactics.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/merchant-account-operation.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/maintaining-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account-information/merchant-account-processing-statements.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/policies/privacy.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/policies/terms-of-use.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/site-map.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/review-compare.php</loc>
  <lastmod>2010-02-18</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/merchant-account-questions.php</loc>  <lastmod>2010-02-18</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/contract.php</loc>  <lastmod>2009-09-08</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/comparison-chart.php</loc>  <lastmod>2009-07-16</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/leads.php</loc>  <lastmod>2009-06-15</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/payment-consultant.php</loc>  <lastmod>2009-05-26</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/credit-card-processing-sales-reps.php</loc>
  <lastmod>2008-12-23</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/merchant-account-review.php</loc>
  <lastmod>2009-09-23</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/compare-merchant-accounts.php</loc>
  <lastmod>2008-12-17</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/account-types-uses.php</loc>
  <lastmod>2009-09-29</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/credit-card-processing-options.php</loc>  <lastmod>2009-09-29</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/non-profit.php</loc>  <lastmod>2009-03-04</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/rates-fees.php</loc>
  <lastmod>2010-01-27</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/too-good-to-be-true.php</loc>  <lastmod>2010-01-27</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/interchange-fees-increase.php</loc>  <lastmod>2009-12-22</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/flat-fee-merchant-account.php</loc>  <lastmod>2009-11-30</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/inconsistent-buckets.php</loc>  <lastmod>2009-11-16</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/best-rate.php</loc>  <lastmod>2009-09-17</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/flat-rate.php</loc>  <lastmod>2009-10-20</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/interchange-pass-through.php</loc>  <lastmod>2009-06-01</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/effective-rate.php</loc>  <lastmod>2009-05-05</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/basis-point.php</loc>  <lastmod>2009-04-30</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/interchange-pass-through-pricing.php</loc>  <lastmod>2009-04-22</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/interchange-tiered-pricing-structure.php</loc>  <lastmod>2010-01-12</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/unknown-expenses.php</loc>  <lastmod>2008-02-19</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/equipment-software-gateway-shopping-carts.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/applying-account-set-up.php</loc>
  <lastmod>2009-05-13</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/start-accepting-cards.php</loc>  <lastmod>2009-05-13</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/operation.php</loc>
  <lastmod>2009-10-15</lastmod>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/merchant-account-residuals.php</loc>  <lastmod>2009-10-15</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/merchant-account-hold.php</loc>  <lastmod>2009-05-12</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/cancel-merchant-account.php</loc>  <lastmod>2009-05-12</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/sales-tax-merchant-account.php</loc>  <lastmod>2009-03-11</lastmod>  <priority>0.8</priority></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/convenience-fee.php</loc>  <lastmod>2010-01-04</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/operation/charge-minimum-pay-credit-card.php</loc>
  <lastmod>2009-04-20</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/fraud-chargeback/fraud-chargebacks.php</loc>
  <lastmod>2008-12-31</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/fraud-chargeback/chargeback-fraud-illegitimate.php</loc>  <lastmod>2008-12-30</lastmod></url><url>  <loc>http://www.merchantcouncil.org/merchant-account/fraud-chargeback/credit-card-processing-chargebacks.php</loc>  <lastmod>2008-12-31</lastmod></url>
<url>
  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/personal-credit-merchant-account.php</loc>
  <lastmod>2009-04-09</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/glossary/a.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/glossary/b.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>
  <loc>http://www.merchantcouncil.org/glossary/c.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/d.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/f.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/g.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/h.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/j.php</loc>
  <lastmod>2008-12-08</lastmod>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/k.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/l.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/n.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/o.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/q.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/s.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/u.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/v.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/w.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/x.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/y.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/z.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/third-party-processor.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/pc-processing-software.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/personal-identification-number.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/pin-debit.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/pin-pad.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/point-sale-terminal.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/processing-limit.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/p/profit-margin.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/o/over-limit-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/n/NET-profit.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/n/non-interest-bearing-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/g/gateway.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/g/gross-profit.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/g/gross-sales.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/account-maintenance.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/ach-delay.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.8</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/acquirer.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/acquiring-bank.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/aggregator.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/address-verification-system-avs.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/annual-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/application-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/approval.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/authorization.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/authorization-code.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/authorization-response.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/a/automated-clearing-house-ach.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/card-not-present-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/card-present-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/card-verification-code.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/card-verification-value.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/cardholder.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/chargeback.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/chargeback-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/chargeback-ratio.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/credit-card.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/credit-card-processing.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/credit-card-processor.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/cash-flow.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/cost-effective.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/c/cost-goods-sold-cogs.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/h/help-desk-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/manual-imprinter.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/terminated-merchant-file.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-account-provider.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-council.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-identification-number.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-processing-agreement.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/merchant-service-provider.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/monthly-minimum.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/monthly-processing-volume.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/m/moto.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/ebay-credit-card-machine.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/free-shopping-cart.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/equipment-software/shopping-cart.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/w/watts-surcharge.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/w/wireless-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/w/working-capital.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/early-termination-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/e-commerce.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/electronic-check-verification.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/electronic-data-capture.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/electronic-funds-transfer.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/electronic-wallet.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/e/encryption.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/real-time-processing.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/recurring-transaction.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/retrieval.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/return.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/return-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/r/rolling-reserve.php</loc>
  <lastmod>2008-12-17</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/ach-delay.php</loc>
  <lastmod>2008-12-17</lastmod>
  <priority>0.64</priority>
</url><url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/save-credit-card-processing.php</loc>  <lastmod>2009-01-13</lastmod></url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/accept-cards-without-merchant-account.php</loc>
  <lastmod>2008-12-17</lastmod>
  <priority>0.8</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/affected-customer-does-not-pay-bill.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/charge-customer-fee-use-card.php</loc>
  <lastmod>2009-04-23</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/minimum-on-credit-card-transactions.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/pin-signature-debit.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/operation/rolling-reserve.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/free-merchant-account-exist.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/guaranteed-approval.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/guaranteed-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/high-volume.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/local-bank.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/merchant-account-comparison.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/merchant-account-reviews.php</loc>
  <lastmod>2009-10-17</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/review-compare/personal-credit-affect-rates.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/retail/retail-merchant-accounts.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/retail/grocery.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/retail/lodging-hotel.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/retail/retail.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/mail-order-moto/mail-order-merchant-accounts.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/mail-order-moto/mail-order-moto.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/online-internet/online-internet-merchant-accounts.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/online-internet/internet.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/online-internet/same-account-two-web-sites.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/wireless/wireless-merchant-accounts.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/wireless/store-forward.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/wireless/touchtone-telephone.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/wireless/wireless.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/fees-fit-business-needs.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/over-limit-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/rates-fees/monthly-minimum.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/accept-amex-discover.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/bad-credit-merchant-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/apply-set-up/how-long-get-approved.php</loc>
  <lastmod>2008-12-23</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/fraud-chargeback/large-foreign-credit-card-orders.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/fraud-chargeback/prevent-chargebacks.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/b/batch.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/b/batch-close.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/b/bundled-rate.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/b/buy-rate.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/d/debit-card.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/d/direct-deposit-account.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/d/discount-rate.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/s/secure-socket-layer.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/s/setup-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/s/shopping-cart.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/s/statement-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/ticket-sales-slip-average.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/transaction.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/transaction-fee.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/t/target-market.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/u/underwriter.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/v/virtual-terminal.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/v/voice-authorization.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.64</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/merchant-account/types-uses/high-risk-merchant-account.php</loc>
  <lastmod>2008-12-23</lastmod>
  <priority>0.85</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/b/batch-capture.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.51</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i/imprint.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.51</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i/independent-sales-organization.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.51</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i/interchange.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.51</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i/interchange-fee.php</loc>
  <lastmod>2009-03-19</lastmod>
  <priority>0.51</priority>
</url>
<url>  <loc>http://www.merchantcouncil.org/glossary/i/issuing-bank.php</loc>
  <lastmod>2008-12-08</lastmod>
  <priority>0.51</priority>
</url>
</urlset>