The advantage of a REAL merchant account is they will tell you what your monthly processing limit is upfront. When I started out it was $5,000. My rep told me that it could be increased if necessary, but that I should call them if I felt I was going to go over it. About 7 months later, I didn't call but went over the limit (I didn't realize it would happen). They automatically bumped it to $7500 and sent me a letter stating they were reviewing my account for a higher limit. About a week later, I got another letter stating my limit was now at $15,000.
I didn't have any chargebacks, and only had one refund in 7 months, so they probably trusted me by then. I also have good credit. Just a couple of $50 (paid) medical collection accounts and credit grantors don't really care about medical bills.
The problem with Google and PayPal is that they never share this information. So you are left guessing what to do. And, they can close your account at any time, for any reason, "in their sole discretion". How many posts have there been from totally honest sellers that were cut off by PayPal after YEARS of doing business with them? That would NEVER happen with a merchant account - unless they thought you were seriously up to no good. At least, that has been my experience.
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