As a general rule of thumb. If you have a pretty predictable business then go with an all in one payment gateway and merchant accounts. By predictable I mean yo

As a general rule of thumb. If you have a pretty predictable business then go with an all in one payment gateway and merchant accounts. By predictable I mean your growth is steady but not spectacular and not prone to any seasonal or suddenly dramatic spikes. Your price points don't move around dramatically. You're not something that will have a lot of chargebacks. If your business DOES look like the above then engage a merchant account and explain to them what you are up to. It reduces the chances you'll get frozen. If you can't qualify for a merchant account initially then use an all in one and build up a history that you can then take to a merchant account a little further down the road. (shameless plug for core.spreedly.com if you want the flexibility to shift and change easily)