They are reputable. When I found out about them, I was already happy with my merchant account processor, so I didn't switch. But many people like them.
I believe their rates are lower as they can judge you by feedback and seller status on eBay. But I don't know that for a FACT. Unlike most web businesses, they can look at your account to see if there is anything that would pose a problem since they can see feedback, etc.
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