Rates and Fees

POS Terminal Service	Industry Standard Prices	ECHOTERM® Prices
Discount Rates	Floating Rates	Fixed
Discount Rates on Each Transaction	Average Retail: 1.99%	1.79% (Please call for a quote)*
Discount Rates on Each Transaction	Average Mail Order: 2.99%	2.69% (Please call for a quote)*
Chargeback Fees	$15 - $30.00 per Occurrence	No Charge (for the first five chargebacks per month) $5.00 for each one over the 5 per month limit.
Voice Authorization Fees	$0.95 per Call	No Charge
Address Verification Fees	$0.10 per Transaction	No Charge
Daily Closeout / Batch Fees	$0.20 - $0.30 per Day	No Charge - Auto Batch
AMEX Set-up Fee	$25.00 - $50.00	No Charge
Application Fee	$95.00 - $350.00 Non-refundable if declined	No Charge
Reprogramming Fee	$50.00 - $95.00	$75.00 (for POS terminals previously used by merchant)
Availability of Your Funds	3 - 5 Days	2 Days to Sponsoring Bank 3 Days to Bank of your choice for a $5.00 monthly fee.
Transaction Charges	$0.25 - $0.50 per Transaction	$0.25 per Transaction*
Merchant America Fee	$10.00 - $20.00 per Month for paper statement only! Always charged	$19.95/Mo - Not charged if not active in month
Credit Restrictions	Very Strict	Liberal
Home Based and Mail Order	Restricted	Liberal
Processing Volume Limitation	Limited by business type	No Limitation

*Rates determined by underwriting factors such as years in business, type of business, processing volume, financial strength, credit report information, health insurance quotes,etc.

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