Check out www.worsecreditcardprocessors.com; it's a free website that gives you background and information about the credit card processors who have developed poor reputations based on both online complaints from boards and BBB data.
Encore also operates under the names Prodigy Payment Services and Momentum Payment Services and with the exception of a few names on their executive member list located here: http://www.encoreps.com/profile/management.Asp; the majority of their executive and director level staff are ex members of the team that operated Certified Merchant Services prior to the business being sold in '03/'04 to satisfy the $23.5 million dollar judgement the FTC won against them.
Use www.worsecreditcardprocessors.com as a site to get the information you need before you do business with a processor or educate others about your experience with one of the companies listed there.
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