I've been with Merchant Services Inc for 2.5 years now and I am counting the days until my 3 year contract is up. They LIVE for charging you extra fees, they change your contract in the middle (adding more fees after you are under their contract... with a $500 early termination fee). They charged me $50 to program a new terminal (because I purchased it on my own vs getting one from them), they didn't tell me when I signed up that they were only waiving the yearly $69 fee for the first year, they TOLD me when I signed up that there were no PCI compliance fees, but changed things partway to a $25 fee to Securitymetrics, and an additional $135 in 2011 for ""PCI insurance"", and now that I renewed with Securitymetrics (which is a BS online questionnaire) after getting autorenewal emails, they charge me $20 for being un-compliant and saying that they switched companies and don't use Securitymetrics anymore. AND they don't want to refund the non-compliant fee when I was fully compliant. This is a terrible company, I switched from using merchant services through my bank and NEVER had issues like this with the bank. If it wasn't for that $500 early termination fee, I would have been gone when they started that $135 insurance fee. They are not saving me ANY money with all these fees they tack on.