Type of Merchant	Internet Website	Mail/Phone Order	Phone Verification	Retail Swipe	Bad Credit/High Risk
Discount Rate *Rate determined by credit history/product sold	As low as 1.98%	As low as 1.98%	2.95%	1.58%	2.39-2.79%
Transaction Fee	.30	.30	.50	.25	.30
Monthly Statement Fee	$10.00	$10.00	$12.00	$10.00	$12.00
Application Fee *All merchants are pre-approved!	$0	$0	$0	$0	$95
Batch Fee	$0	$0	$0	$0	$0
Annual Fee	$0	$0	$0	$0	$95