I'm using Cybersource for both card processing and as my gateway and their customer support is excellent. I had also used Innovative Merchant Solutions in the past and they were every bit as good as Cybersource.
I also accept payment via Paypal, Google Checkout and personal checks. The majority of my payments are credit cards but I also receive a good number via Paypal and Google. However, I'm still having issues with Google not calculating shipping fees but it looks like it's now playing nice with my store inventory and subtracting it when purchased. I hope this shipping issue can be worked out soon as I really don't want to eliminate it as a choice.
When you are doing your research make sure to determine if there is a contract, is there a set up fee and termination fee and how much. Some providers will offer you a discount if you use them for both a gateway and processor. Check for a virtual terminal and customer support features. But most importantly, double, double, double check with both 3dcart and the companies that you are interested in that they are compatible with each other! I had swithched to a cart, which will remain nameless, that advised me that they were compatable with the gateway I was using at the time and as it turned out they were not. I can't even begin to tell you what kind of nightmare this turned into. That was just the begining and I eventually ditched the cart, had to eat the contract and start all over again. Some Merchant websites will list the carts that they integrate with-don't trust the list. Call them.
I do receive some checks but in the event that any bounce I've contracted with Federal Check Recovery. They re-deposit the check when funds are most likely to be available and send me the face value less the $8.00 bank fee. They get paid whatever the state rate is, which here in Florida is around $28.00-which I don't pay. If you do use this company or a similar one, make sure to ask if you can mail them the returned check. If not, you will incur a monthly fee if you want your bank to send it to them directly. I opted to mail them as I don't get very many checks and I didn't need another fee.
I hope this is of some assistance and good luck.
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