I had some bad service about expanded credit capabilities. You can't do a refund after 60 days, unless you apply to do it. I got rejected twice after filling out the application. They didn't tell me I was rejected, and when I go online via their live chat I was told I am not the owner of my account which why I was rejected both times.
<facepalm> I just realized we missed the part about you hating linkpoint. Linkpoint is First Data's gateway. Sincerely, it wouldn't be linkpoint's error, it's your programmer, their API is extremely reliable and I've only had one technical problem in six years.
I love hate paypal. I never use them to transfer funds out of my account, since they make 3% on any direct transfers which at that point the fee has already been paid. When buying I charge it to the paypal credit card which gives cash back.
Merchant side we have been dropped from 2.9% to 2.5% and this is during the slow period so perhaps we can go lower to 2.2% We also have a paypal micropayments account which saves us money for all transactions under $12
TO spend money out of the account we use paypaldebit card. When we signed up we got the 1.5% cash back option. I understand they only offer 1% now.
This reduced our effective processing rate to 1% without any monthly fees. Authorize.net was nice for transactions over the phone, but now I just direct everyone to use paypal. I could sign up for the virtual terminal, but that would be an extra monthly fee for little return.
We would have to do far more than 3k a month to get a lower rate from the big banks.
Does authorize.net have employees or are they run by bots? I spent a month trying to get a response to one simple question. No one would respond, but I kept getting auto emails from someone named Brad telling me why I should sign up and sending me a link to an application. I moved on.