@CLS....I just called them 2 days ago. Basically there is a $15/month charge period. You pay 2.3% + .20 per transaction. IF any month you fees are LESS than $15 then they charge you the difference. SO basically they need to get $30/month min to make the account worth while, you know? Depends on how much use you expect, but it doesn't take much to get to $15 in the fees in one month. I have decided to go with them and working on getting the client login on the website. I was paying 2.9% + .30 through Paypal I think... Good Luck!