Hi Chad. You will typically need the following fees and rates on such a merchant account...Make sure the rates are at or below the ones below as a guide. These are close to cost.
Monthly statement fee $7.00
Monthly internet gateway fee $8.00
monthly minimum $0.00
annual fee $0.00
internet transaction fee $0.00
regular transaction fee .18 cents
qualified rate (credit cards) no higher than 2.15%
qualified rate (debit cards) No higher than 1.99%
mid qualified no higher than .75%
non qualified no higher than 1.75%
Make sure the one you choose fits the above and make sure their are no early cancellation fees. Hope this helps.