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If you can at all afford it get your own merchant account and work with an IPSP directly, keep control of your own data as much as is allowed and make a deal that if they go belly up that you will get access to your accounts for a one-time migration to another IPSP. Otherwise you're just setting yourself up for big trouble down the road.

Middlemen in the payment business have a habit of going down when you need them most (when your business is successful and you are growing like mad, have a bunch of employees and suddenly your income evaporates).

iBill, DMR, now Jettis in trouble and many others besides.

All it takes is one big VISA fine for not following procedures and these operations will fold like a house of cards.




braintree looks like the best option then. They are PCI Level 1 compliant and they are too big to go belly up and they have a great reputation.




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