Forum Moderators: buckworks
At the time I replied to the thread, the PDF link was still active. That link does not seem to work any more, but I do swear I copy and pasted it directly from the merchant agreement. :) I have not worked with them since so my experience with them is somewhat dated at this point. From my experience, many of the merchant account providers are slimeballs. So, please tread carefully.
I have experience using echo and have been very pleased with them. They aren't the cheapest (nor the most expensive), but my transactions are smooth, support is helpful and I don't worry about my money.