[dangrossman]

> 4 9's for a payment processor really isn't good enough

If 99.99% isn't good enough for you, then you should just store the payment data yourself so that you can re-send it if your gateway is unavailable during those critical 4 minutes.

Payment processors of all sizes experience downtime. Authorizenet was down for almost a day last year despite having redundancy in every layer of their operations -- up to having an entire hot standby data center to fail over to. None of them lost all their customers and went out of business, so 4 9's IS good enough.

[latchkey]

They haven't lost customers because there is nowhere else to go.