Know a good Merchant Account?

Can anyone refer me to a quality merchant account provider that I can integrate into my site? Quality meaning, one you have used that you've found to be:

* technologicaly reliable
* technologicaly flexible
* low cost (little to no setup / application fees)
* low discount rates (Authorize.net's fees have gotten too high)
* an all-in-one solution that doesn't require bank cooperation

Thanks in advance.

- Bry

Additionally, I'm not looking for 3rd party off-site solutions like 2Checkout or PayPal as I'll need to store encrypted CC info on a server we control. Thanks.

158 views and no one knows of a good merchant account provider? That's pretty sad if no one has a good enough provider that they feel comfortable reccommending them.

Here are a couple of threads with information - the first one is particularly relevant:

http://www.jimworld.com/apps/webmaster.forums/action::thread/forum::ecommerce-tools/thread::1060448088/highlight::Merchant%2BAccount/

http://www.jimworld.com/apps/webmaster.forums/action::thread/forum::ecommerce-tools/thread::1060448088/highlight::Merchant%2BAccount/app::iforum/

If you're UK based I recommend http://www.protx.com/

I was going to suggest Authnet.com but I see you must not be happy with them.

I do have to agree that their fees are a little up there.

Does it matter where you are?

Yes.

1. Some providers require you to be a resident in their country eg some US providers.
2. Some providers require a bank account to be set up in the country in which the provider is resident eg some US providers

Find Out best Merchant Accounts in Directory

http://www.ebizbd.com
Merchant Solution Ebizbd.com