I have looked into alot of merchant accounts and I always stick with paypal. They let you accept payments from paypal accounts and all major credit cards and they offer the lowest FEES. Those other merchants charge at least twice of what paypal charges and when customers ask me why I still use paypal that it makes my site look like we are newbies I tell them that paypal offers the lowest rates and I will not pay double for something that is exactly the same. Been using paypal for over 3 years, never had a problem and we don't keep that much money in that account anyway. No more then 100 dollars is kept in the account at a time and the rest is transfered to a regular bank account daily...