Do you already have a merchant account? Authorize.net is just a gateway, not a merchant account provider.
Having said that, most of their resellers can probably set you up with BOTH.
I like Charge.com - they work with several Merchant account providers, and they are RESPONSIVE. They also work with other companies that can get you approved if they are unable to.
I am NOT an employee, and I don't benefit if you use them. I'm just a satisfied customer.
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