MERCHANTS BEWARE of ELECTRONIC MERCHANT SOLUTIONS!! The small print on the contract is too hard and faint to read. There's a reason... they add on fees such as a random $75 fee every six months. There's a $50 per month charge for not going filling out a survey form which you can only do online. Once you fill out the survey form they charge you a $5 monthly online access fee and and a $15 monthly breach protection fee which you do not have the option to opt out of. Also in the small print; there are add-on fees for various types of cards. We were charged over 5% on a number of transactions even though our contract rate was below 3%. read full review »