Rates are important but not everything. In PayPal's court, they don't have a merchant reserve - typically your merchant account will require 5 - 10% of your mo

Rates are important but not everything. In PayPal's court, they don't have a merchant reserve - typically your merchant account will require 5 - 10% of your monthly processing to be held for up to 6 months after your last transaction is processed. On the other end of things most Merchant accounts offer substantially better chargeback resolution, customer service, and flexibility.