[jacques_chester]

Merchant accounts are a huge PITA.

You have to pay a bunch of money up front and then, if you're not a fish-and-chip shop or similar, you'll probably be told "no".

Plus, each bank will ask if you've ever been knocked back somewhere else. If you honestly answer that you have, guess how that affects your chances?

[kaliblack]

I started the process of getting a merchant account with NAB and quickly gave up. They had a long check list of requirements that had to be completed before the application was submitted. This included have the signup and subscription processes fully working so they could test them.

Pin is very needed here.