I used Total Merchant Concepts for a credit card processing account for a couple of years, mostly because they were "month to month and you can cancel anytime." They cost me plenty of money because I was so small of a business I often had no charges at all for 4-5 months at a time, for which they billed me a service fee. I finally just finished cancelling their services, for which they charged me a cancellation fee as well.
PCI compliance fees, Authorize Net fees, this stuff was ridiculous.
If you are a small business, use something like Square or even Paypal. I hate Total Merchant Concepts.
Monetary Loss: $1000.