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Basically what you should understand is that there are three levels of providers:
1) ISO: Independent Sales Organization: is a company working for the bank usually on contract hired to expand there reach when there sales force is to small or territory limited.
2) Agents: Usually resellers for third party billers or ISO's. They will be able to offer you multiple solutions but always charge a middle man rate.
3) Third party billers: Usually have there own account with the bank and are processing for you through themselves. This is why they charge higher because they assume the liability which gives them more flexibility for approvals, but they also take most of the control.
Options 1 and 3 should be what you are looking for based on your comfort with the control and the liability of your processing.
OrbitalPay is 1 and Epoch is 3
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