Well...cheap is defined differently by different people. But....I considered it cheap because there was no equipment to buy.... I pay 7.50 per month when it doesn't get used at all...or I pay 1.98% + .15 per transaction when the client performs the transaction and 2.23%+.15 per transaction when I do it....security issue. But if you figure in the cost of equipment, or lack thereof, it is much cheaper. And leasing equipment....ouch! I did that 15 years ago w/ my first business. Cheap cheap cheap may have been a mistype....I think payfuse is comparable to all other merchant accounts, except for the equipment costs and fees at the onset. They charged me $75 to set up the account. I have had merchant accounts that charged much more than that, required me to buy their equipment etc. All of this at the beginning of my self employment career many moons ago. So in my opinion, payfuse was cheap and easy to get set up on.