[alibarber]

Ahhh - this brings back memories. On a more significant note, our student association was able to get a merchant account up and running with them with _significantly_ less work than trying to re-enable our PayPal account after we hit their 'verification ceiling', and the fees worked out vastly cheaper although we did opt for a fixed monthly payment + lower per transaction cost. This was some years ago (in the UK) but I really second the argument that much cheaper rates can be had by simply shopping around (of course like any business/financial decision you'll want to factor in dev time / service levels etc etc) and getting a real merchant account isn't really that difficult.