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I had the same exact experience as Beaner with Authorize.net. Though in my case they only got 300 before I took the issue up with them and convinced them to return a portion of the money.
They set up their gateway promising they can get you a merchant account and immediately start charging gateway fees, which are much more expensive than Netbilling's $25/mo minimum. In my case this went on for months while they totally failed to provide the merchant account.
So I had a useless gateway to nowhere costing me over 100 a month.
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