First off, not all providers put you in a contract, with a cancelation fee. Ask to see where it is on the contract, BEFORE you sign it. Secondly, you might want to check out paypalsucks.com, before over paying for accepting cards, and then losing your money to a company that will keep it on a whim. Research providers, before signing. Google, Bing, Yahoo, you'll find comments, and reviews from businesses on all providers.