Originally Posted by NETbilling

Actually most big programs (and many smaller ones these days as well) have their own merchant accounts and use third party processors to cascade to if declined by their own merchant account bank.
You don't actually see this many times because when having their own merchant account and using a gateway such as ours the merchant has the option ( and most often does) host their own secure payment form so the customer never has to leave their site and complete customization is possible this way as well.

Any other questions?

Thank you, Mitch Farber