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Just curious... who's gateway are you reselling? Also, what about the Mastercard registration fee of $1000. What bank/ISO are you using to setup the accounts?
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I have agreements with a number of banks so if one denies an application, another one might take it. This assures higher approval rate. I also use two different gateways and a third one is in the works. 
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I couldn't possibly know what I'm talking about, I'm completely, absolutely and definitively out of my fucking mind.
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