[tbeer22]

I was wondering if we had any payment processing experts in the building. Someone is trying to sell me his payment processing website http://www.warlordmedia.com/merchant/

Can anyone tell me some major competitors? All that comes to mind is paypal. But I hate paypal because it charges the merchant and the consumer, rather than just the merchant...

Any comments, questions, or suggestions would be much appreciated.

[Corey Bryant]

Well an ISO (independent sales office) or agent must state on their website some particular information. If not, they are not in compliance with Visa / MasterCard rules and regulations: Choosing a United States Merchant Account will help you on that hopefully.

(off topic, I love Santa Barbara. Stayed there a bit off and on with a friend of mine when I was stationed at Vandenberg, but I can't remember the name of the community. It was off by a steakhouse, bank, and post office that I remember - sorry.)

Paypal has some versions of a merchant account and electronic payment gateway (LinkPoint, Payflow, Authorize.net/Cybersource). With Paypal, you might even be using their merchant account and they are aggregating (factoring) the funds. This is also known as 3PP (third party processing) or IPSP (Internet payment service provider).