[bprater]

Folks have been complaining about Paypal in the same way. You buy yourself some safety as a company if you separate your payment gateway from your merchant accounts.

For instance, Authorize.net allows you to bolt on a merchant account, but retains the tokenization of the customers digits. So if one merchant account was restricted, a quick phone call to Authorize.net would allow you to switch over to another ready-to-use merchant account. And you could continue billing via existing subscriptions.

This is similar to the conversation about domain name hosting. Do you allow your name host to also be your web host? Or do you diversify to hedge against getting locked out?

[continuations]

Who do you recommend for payment gateway and for merchant accounts?