The merchant service industry is considered to be a very dicey business and it is designed to dupe you. That is the reason that several providers of merchant account would want to compel you to undergo a period of 3 years contractual time. They always have hidden charges and once you sign on for a deal they will dupe you to the fullest extent.
The first and foremost aspect is to look for a reputed company that does not possess a contract or the fees for setup. Do not forget that quotes are of no use. It is the paperwork ...