Let me start off with RUN AWAY FROM THIS COMPANY RIP OFF!!! I opened an account with them on 6/2010 with Fancy Saka she sold me on with low transaction rates, payments hitting my account the next day, no cancellation fee, and no hidden fees like other companies. Well that was not the case. The $32.95 that includes monthly min. and statement fee was correct. The $10.00 gateway fee was correct. I did not take noticed of the other my account kept going into the neg each month due to I was still in the stage one of my company with no business. Come to find out by September 2010 they were charging me a fee for PCI $129.00 which was not disclosed as well another fee for $33.13 which I have not clue about. I had gone to my bank to find out who was the company they told me Merchantone. To sum up about this company I would say they are dishonest, fraud and theft for taking monies that I never agreed to.