I believe they resell some of the services. In our case, they had to set us up with a different merchant because we are a payment aggregator (we take payments o

I believe they resell some of the services. In our case, they had to set us up with a different merchant because we are a payment aggregator (we take payments on behalf of our customers and charge a transaction fee). I believe our merchant fees are $0.20 + 2.34% per transaction. That's still lower than PayPal unless you're doing over $10K a month. I believe they charge a monthly fee for the gateway/online services too (I don't know what it is because my biz partner handles that stuff). All in all, I would choose this over PayPal regardless of the fees. The user experience is far superior.