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Fire third party processors, you can't go wrong with CCBill, despite the bitching this week. They've been solid for many years and their APIs are the best by far. Those APIs are important if you ever want to do anything custom.
For gateways, First Data has something like 25% of the market, authorize.net something like 20%, and there's one other major one, then a million resellers. Stick with the big ones.
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