This is the first I heard of a $20 fee imposed on the merchant. Ouch.

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Given that PayPal can be reversed so easily by scammers, why should a merchant even accept it if they can accept just Bitcoin instead?

Well 3D secure is to protect you as a merchant. You don't need to implement it with Pro but then you are on the first line for charge backs.

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I got similar years ago. They wanted me to use a separate merchant account so they had no liability and charge 99/month for the management and API.

Maybe don't tell them your doing VPS per se? I got accepted for my merchant account here maybe two weeks ago.. Though to be fair, we don't deal with only VPS's.

Reply from Braintree after submitting an application:

If you are looking for a full merchant account http://www.cdgcommerce.com/ has been great for us. Also supports tokenized credit cards and maxmind. Can easily decline cards over maxmind score and rare

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I like the support and immediate access to funds, the rolling 15/30/60/90+ day schedule for holding onto XX% with most merchants is a hassle (we're still waiting for 5 figures to be released from our

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I'd like stringent fraud measures in our merchant on-top of our internal fraud measures.

Their fees are extremely unreasonable, compared to other solutions. Over double what we'd be paying using a merchant and gateway approach.

You need a merchant account with PSC and they pay out by Bank transfer - With a nice 15-20% fee for them.

Not sure why you mentioned registering, Stripe is just for credit card payments, there is no way for users to create an account with them except merchant account. Stripe Checkout allows users to check

Any other merchant account provider has followed their suit ?

I have bought Ukash with a bank card before. But I needed to confirm the TX with 3DSecure/SecureCode (chargeback risk for merchant almost none).

Merchant

favor and are unable to get a refund from the merchant.