If this turns out to be the case, you should try A.I.S. Merchant Services , a company that specializes in getting merchant accounts for online retailers and marketers. You pay it whether you actually sell anything or not. A fixed charge for each online transaction - usually less than 50 cents. A lot of small transactions can really hurt your bottom line. A percentage of your total sales that the MAP holds in reserve to cover returns or fraud claims.
Some MAPs charge an additional fee for each chargeback transaction.
The cost to process your application and tell you whether or not you're approved. You may spend several hundred dollars - only to be turned down. The fee usually isn't refundable. Sometimes you can have this fee waived if you apply to a MAP who has a relationship with your Web host or shopping cart provider. Gateway providers link your shopping cart system to your bank account.