danieltenner.com — How to get a merchant account
http://danieltenner.com/posts/0006-how-to-get-a-merchant-account.html

Merchant account

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Describe the pain of getting a merchant account with a bank. Give some tips on how to do it.

"guide to obtaining a merchant account, from the cash-strapped start-up’s point of view". chargebacks, 3D-secure, AVS/CV2, PCI-DSS. Start the process early; Apply to several banks; Exaggerate your volumes (realistically); Know all about fraud; Be serious to ensure the bank feels you’re a trustworthy business; Read the fine print and negotiate the terms.

A possibly useful resource flagged up on the LRUG list.

Excellent article on using a merchant / gateway combination. Can be cheaper than paypal al told