Credit card service providers' upfront rates, fees and services for small businesses might seem alluring, but it pays to beware, Chad Brooks writes. The small print in their agreements might prove a great deal more costly. For this reason, it's critical to do your research before settling on a provider, according to Phillip Parker of CardPaymentOptions.com. "If the company has unfavorable contract provisions or business practices, other merchants will have filed public complaints," he said.

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