I had a merchant account already when I created my site...it was with North American CC, or NOVA Info Systems. They worked with Authorize.net, and since that was compatible with the cart, I went with that.
Off the top of my head, I think I paid $199 to integrate the gateway (NOVA's cost), and a $19.99/mo gateway fee, in addition to my statement fee and the percentages of each sale.
I have not had any problems either with NOVA, or Authorize.net. In fact, both have great customer service.
My best,
Dana
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