ha! this is exactly where we are now we're in the process of getting a merchant account going but it's a long drawn out pain. We're using eWay for the gateway

ha! this is exactly where we are now we're in the process of getting a merchant account going but it's a long drawn out pain. We're using eWay for the gateway as I've used them in the past and they've been fantastic. The bank, however, is having a hell of a job getting it's head around the idea that we want to sell a service over the internet (we're building a saas product). last call from the bank was yesterday when they decided they wanted full login and usage rights to our app (so they could verify it?) - kind of hard when it's not built yet. We seem to be in a bit of a chicken/egg situation where we have to actually launch before they'll let us receive payments... Prior to that they wanted revenue history for the last few years! agh! Luckily we anticipated this taking so long which is why we started the ball rolling months ago. tl;dr: use eWay