All of our merchant accounts are three-year agreements. You can cancel at any time by paying a $99 early termination fee. We do not charge set up fees and we offer very competitive rates to give you every chance to make your business grow but every new setup costs us money. Contrary to popular belief, the early termination fee is not meant to be a penalty or a means of extra revenue but rather a simple buyout for ending the agreement before the specified end of term so we can recuperate our costs.