Our bank switched to using First National Merchant Solutions as the credit card processor for businesses. They lied about the fees we would be charged, charged us monthly fees before we even installed their equipment, and then charged us $250.00 when we canceled the account. They took over $280.00 from our bank account and provided no services at all. They refuse to refund the money. Avoid this company. Reputable credit card processors do not lie about the fees and do not charge a cancellation fee. We have a new merchant processor we are very happy with.