We are all getting hit with the $99.00 fee because of new regulations affecting credit card merchants. They have to audit each account to ensure that credit card numbers are not being stored on computers locally. (The TherapyAppointment.com software takes care of this, but the regulations state that each individual merchant's account must be audited.)
The new regulations have come into being in response the the increased frequency of databases being "hacked" and tons of credit card information being stolen. To guard against this, TherapyAppointment.com has always used a "token" system in which a token (a reference number) is stored, not the card number. The token is useless if stolen.