WorldPay had a similar problem (external attack):
http://news.bbc.co.uk/1/hi/business/3246567.stm
http://news.bbc.co.uk/1/hi/business/3243123.stm
We now have two card processors (a bit more expensive) but if this happens again we can flick the site over to either and as a real last resort, over to PayPal. This would only take us about 15 seconds.
It may seem overkill, but once they go down, you have no idea when they will be back up. But neither do they. WorldPay quoted me two hours, then the next day, then they refused to give a timescale. They were back up for about two hours, then down again for another 24. Having two processors will be a bit more expensive, however it may pay for itself in times of downtime. For example, your site can still take payments when a processor ever goes down for maintenance.
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