Originally Posted by **********

Great idea : Here you go:

http://www.ccbill.com (Ask for Jeff)
http://www.segpay.com (Ask for Cathy)
http://www.epoch.com (Ask for Anthony)
http://www.zombaio.com (Ask for anyone)
http://www.verotel.com (ask for anyone!)
etc.

All of them charge about the same rate except for Zombaio which is cheaper I think. They also all work their asses off and provide a ton of services which you may not even realize.

Different processors accept payments from a variety of different card types, and each have various types of fraud scrubbing and decline rates. Trust me you do NOT want to push for the lowest level of scrub. All payment processors have their own limits such as purchase and frequency limits set to each new account by default which is there for your own protection as well as theirs. This doesn't mean they are inflexible - If you ask nicely and if you show that you're a responsible merchant by watching for potential fraud, they may be willing to reduce the transaction fees, relax the scrubbing, or more.

Yes fees can be high but bitching about it in a thread like this will not help. If there's one thing I've learned about 3rd party payment processors is that they are all willing to listen, and they can be flexible in alot of ways. Tell them what you need. It is in in your mutal best interest to work together but to do so in a safe and responsible way that protects everyone's business from card thieves.