I'm on hold with Merchant customer service again for the 5th time this week.  Each time i get a different answer.  This last rep just told me that it's because it is a newer account.  It does this for the first month.  Not buying it.  We had to open a new merchant account because we tried for 3 months to change the bank account to no avail.  We did not have even one decline on the old merchant account.