I&#x27;d say that process is bigger than PayPal. you would need Ach, and Credit Card ability. I do have contacts with the seventh largest Credit Merchant, the Avg savings in processor fee is about half that of PayPal. I have been coding on some of their payment gates for 4 years.<p>Now all Merchant services will have bad records mainly because people don&#x27;t read contracts. All merchant services that are cheaper per card require monthly charges mines about $30 month (if you keep up the PCI Scanner) that puts my rates to 1.2 to 1.6 on normal cards with 30c transmission fee. Since your recurring it is different the charges reduce because of less repeat transmission fees.<p>Hit up at my Store site for More info It really comes down to what is needed and most merchant provider fail to ask the right questions.  <a href="https:&#x2F;&#x2F;www.eyes2design.com" rel="nofollow">https:&#x2F;&#x2F;www.eyes2design.com</a><p>I&#x27;m working on my personal blog right now on a different domain name.