HI there,
as per as my idea no small or big business can directly work with MC/Visa...
They have given the right to banks. quentin-harris you can contact any bank who provides this service. You can check out one of the leading site of merchant account
Apply4Less.com - Merchant Account Provider with Best Rate Guarantee
They claim that if any one can give low rate then what they are telling then they will pay you $500.. I think they are quite sure of them...
They provides all kind of solution let it be online or offline. you can check out....
Then you can make your move..