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The equipment and installation fee covers the cost of software installation. It can be free, or it could cost as much as $1,200 or more, depending on whether the processing is batch or real-time. The cost for POS terminals depends on the model you purchase but can range from $500 to $1,500.

• Choose only reputable merchant account services.

1. You should consider the reputation of the merchant account service.
2. What to look for when searching for a merchant account: • Beware of merchant service providers who have misleading ads offering things like "free merchant accounts" or "lowest prices guaranteed." Read the fine print on the website to find out what they really offer.

• It’s a bad sign when every call you make to the company is answered by a machine. • Beware of merchant account services that make use of free domain or free web hosting services. If they can't afford a domain name, how are they in business?

• Be careful of providers who can't answer your questions.

• Avoid merchant account sites that don't post rates and fees on their web site.