FreeAuthNet.com is into a credit card processing service that includes free setup. FreeAuthNet.com charges you with the competitive fees and their discount rates are one of the lowest in the market. They charge below industry average statement fees. The negative is that it does not offer a point-of-sale swiper for a retail business. They have got 99% approval rating of applications which is the highest of all. They don't charge you any application fee and responds back to you in one day for your application status. Your account can be set up in as little as six hours which is very fast. They have got bunch of good internet based features. They POS service is not offered directly by them but through their sister company. This is to some extent a negative for them.
All in all its a decent service that deserves 4 stars rating from me.