[Roning]

I agree. Too much time worrying about fractions of a point. Get your business running to the point that the 1/2 a percent makes a recognizable difference.

We use Paypal and Chargify and they work well together. It saved us the time and additional expenses of setting up multiple payment accounts.

One observation, AMEX really doesn't play well with Paypal. We've had $25K payments and the next nothing from a $17K day. Amex is spotty in what they'll accept from PP.

If you have heavy AMEX usage then go with something else. The fees are also high for PP acceptance of AMEX (3.5%).