CDG Ecommerce Apply now - Merchant Accounts from CDG Commerce is my choice over all and I have tried more than a few. Now I am an affiliate for them I willl tell you by way of disclosure but when I tell you the difference and why I use them I am certain you won't hold that against me.
About 95% of my business is from credit cards and I have automated purchase systems for hosting with instant setup after payment, customers with ecommerce stores with zencart and oscommerce that use them plus of course virtual online terminal for orders by phone or in person. I do six figures annually in credit card business but being a small business I need every penny I can keep.
I was with First Data for 2 years and I paid a year penalty about $300 to get rid of them that is how bad they were and how good it was to move. Prior to that I used National Bankcard Systems and they were horrible.
First Data their rates kept going up and it seemed that all my cards were "non-qualify" which is the higher rate. Then they started charging me a $50 annual "compliance fee." Then that fee went to "$75". Only thing is, its a lie. See, I signed up as an agent and I got an agent email talking about the "compliance fee" how it was there for "extra revenue" and how we could "waive" it if we needed to. Well that really ticked me off and it was then and there I cancelled all of my relationship with First Data, after first checking around really hard and talking to people I found CDG. Not to mention that if you go with them you have to sign at least a 6 month contract with a penalty if you leave early. (My rep never told me about 6 months I was told 3 years and thats what I had- another reason I was mad once I became a rep and saw the rules).
I have never looked back. There is no contract to sign with CDG locking you into having to use them! They have a $10 monthly fee for internet processing no extra gateway fees and they also have a a gateway emulator if you needan authorize.net gateway which can save you a bundle over having to pay to use authorize.net. Rates are just a little bit higher than that if you have retail store but you get a free terminal.
Their gateway works right directly with zencart and oscommerce and many other carts with ease. I like them too because they are built right in to my hosting billing and automated setup software.
Hey this may all sound like a sales pitch but if you are serious about this like I am you will see all these things really matter and sets them apart like none other.
Here is another thing I love about them. When I was with First Data it always took 3 days for my visa and mc to settle to my bank account and 4 days for amex. Now my visa and mc settles in two days (sometimes one) and amex in 3. So do I love them?? You Bet!
Ok, being honest here is what I hate about them:
It seemed to take me awhile to get signed up on them. Their application process is clunky as all heck so you have to be patient on that. Their customer service is decent but not perfect. I tell everyone, when you compare that against all the terms, not having to commit to a contract, no early withdrawal penalties, quick settle of your money, low rates, its worth it!
That's my "two cents" on the subject -feel free to pm me if you have questions.

__________________