I've actually talked to TD about that before. You'll most likely get better rates by going to TD directly - one less middleman... but working with Beanstream ca

I've actually talked to TD about that before. You'll most likely get better rates by going to TD directly - one less middleman... but working with Beanstream can also have its perks. If you are doing any aggregation (marketplace payments) then you will definitely need to get the merchant account from Beanstream as TD won't take on that kind of risk. TD does not seem to offer true Interchange+ pricing either. Chase Paymentech does (I was quoted interchange + 5 cents). If you have the time and energy, I would get the MA from Chase, and the gateway from beanstream.