The monthly ACH from my checking account has been roughly $30.00 a month for the MTOT (Monthly Total Charges). I got hit with a surprise $99.00 "annual compliance fee" and they withdrew $146.02 - a HUGE hit for my skeletal checking account. I can't even pay my rent now. Earlier when speaking with the company (Flagship Merchant Services/Authorize.net/etc. - there's a few companies involved...very confusing.) I was informed that there was no way they could let me know in advance, even through an e-mail warning how much money... read full review »