| Service | First Data Independent Sales | The Competition |
| Application Fee | $0* | $95-$299 (non-refundable) |
| Set-up Fee | None* | $49-$150 |
| Single-user Processing Software | Unnecessary! | $195-$495 |
Checks by web, phone, or fax (Allows you to accept checks electronically) | Free* | $300 |
| Web Shopping Cart | Free* | $300 |
| Programming Charge | None* | $50-$95 |
| Shipping and Handling Charge | None* | $20-$35 |
| American Express Set-up Fee | Free* | $25-$50 |
| Average Approval Time | 3-5 days | 1-2 weeks |
| Technical Support Available | 24/7 toll-free | 8 a.m. - 8 p.m. Mon-Fri |
| Non-swiped Transaction Rate (MC/Visa) | 2.39% | 2.49% and up |
| Transaction Fee | .25 each | .35-.50 each |
| Swiped Transaction Rate (MC/Visa) | 1.79% | 1.89% and up |
| Statement/Customer Svc Monthly Fee | $10 | $12-$20 |
| Internet Gateway Monthly Fee | $15 | $25-$40 |
| Monthly Processing Minimum Cost | $15 | $25 |
| Minimum Contract | 6 months | 1-3 years |
| Cash-back Options? | Yes | No |