Becoming a credit card "aggregator" or avoiding it?
pmikal: Third party payment aggregation is neither cheap nor easy. The card associations do not at all like it and if you are able to find someone to underwrite your business, your pricing will be many percentage points higher than cost.More importantly here, people aren't understanding your question....Authorize.net is not a merchant acquirer, but a gateway, which is just hosted software.  You do not need to get a merchant account to compete with Authorize. What you will need to do is write the transaction processing software, ie the gateway, and connect it with the various networks that banks have provide access to Visanet, etc.I wouldn't trust a guy in a garage with my merchant account unless there was some money behind it. And if there is some money behind this and you are serious about doing this, I can help you get this done. PM me on my website - check my profile. If not, no worries and good luck...I just read this great quote from Glenbrook Payments:"It is hard to overestimate the depth of ignorance about card processing."