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A couple of articles that might help you: http://danieltenner.com/posts/0006-how-to-get-a-merchant-account.html http://danieltenner.com/posts/0006-how-to-get-a-merchant-acc... http://blog.boxedice.com/2009/05/20/taking-payments-online-merchant-account-payment-processor-fees/ http://blog.boxedice.com/2009/05/20/taking-payments-online-m...