I am in the midst of investigating being able to accept credit cards for our candle business. We do not have a website yet but we do go to craft fairs and am starting to get some wholesale accounts. I would just like some input from anyone as to this credit card processing company. CitadelEFT associated with Bank of America. Rep told me that there is no contract, no extra fees other than $5.00 per month statement fee. No minimum per month and that we could go month to month with them. Visa and Mastercard - 2.03% +22cents transaction fee. If we wanted to add Amex 3.5% +22, and Discover 2.2% plus 22. It almost sounds too good to be true and I am a bit skeptical. Has anybody an opinion.???