Are you unsure if its a good decision to switch from paypal and maybe try another service? What about being approved? With a merchant account you will save hundreds of dollars in processing fees in the long term and you never have to worry about your account suddenly being locked. Also you can process credit cards through a swipe machine. An example of these fees is Paypal charges 2.9% so lets say you process $10,000 a month they charge you $290 for a discount fee... our select partners only charge $166 - $249 depending on your business. Your still saving at least $40. Check out our site and our guide will be able to help you. http://www.merchant-account-info-zone.com