Authorize.net and its affiliate companies are horrible. $99 fee just to see if your 'eligible' for their services. No particular advantage on rates VS paypal when looking at all the fees. Sales/Support is awful, they disconnect you when trying to transfer from one department to another, and you on hold in the middle of your call several times in a few minutes! It's the strangest phone system, I've ever heard. I never used the service once, and I yet was billed. Never even logged into the control panel even once. When you create an account, you get other companies that handle part of service. It's a mess. I thought I was waiting for approval for weeks when the sub company was requesting more financial information, even though my 'gateway' account was approved. Now of course you can get a refund because you've exceed the 48 hour mark. I was told my account was approved but locked. Meaning that I couldn't withdraw anything from it till I supplied the paperwork, but I could only put money into it. Even though you've signed up with one company you've got to track down the scraps of your account that are located else where. They continue to bill you, but pretend not to know about the sub accounts with other vendors. I had to ask over and over to cancel my merchant account. At least six times before the sales person could give me information on it. When is the last time you bough a car, but the lug nuts were from a different company and that company had separate billing? And because you didn't ask for a refund on the lug nuts they wouldn't let you return the car? That's the kind of service you get with Authorize.net. In my opinion their signup process is a nice little scam. Who else wouldn't offer a refund to you if you didn't use the product, and the account was locked so you couldn't withdraw any money from it. I've had a paypal account for years and never any any issues like this. I can only imagine what kind of hell those people have had that trust them to manage their online sales.