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Sorry if this topic has been covered previously, but I wasn't exactly sure what specifically to search for.
I'm setting up my e-commerce website, currently tying together all the back end stuff to process payments and what-not.
What I'm wondering is, why do I have to set up a payment gateway (who takes a monthly fee and % of sales) AND set up a merchant account (who apparently also takes a monthly fee and % of sales) and neither of these are part of the bank where my business account sits.
To clarify, my question is NOT "why are these things here" because I understand the need for data verification and secure data transfers and all that. My question is, why can't I find a bank that I can open an account with, send order info to them, and they handle all three processes at once (verify, process, deposit). I'm just pissed about being REQUIRED to setup MULTIPLE middle-men who are each scooping their own little % out of my sales pie.
Of course what would be fantastic, is if somebody here told me I was doing it all wrong and there IS a way around this...
Anybody?
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