Innovative Solutions is a payment gateway for small businesses to be able to take credit cards. After 5 years of charging through the nose to process credit cards, we were able to find a company that is more reasonable. We closed the account and faxed in the letter to cancel. In turn, they took $295 our of our account for termination fee and charged an additional month of gateway fees. Said it was in the small print and I should have read the documents more closely, Don't use this company. A rip off. Unbelievable how they treat their customers. Don't bother to read anything - just never call them in the first place.