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Actually, depending on which jurisdiction you are dealing with, there aren't always Visa fees for a merc. In many countries there are MC fees but no V etc
Things have changed in the merchant account world lately. In many cases banks are outsourcing their entire high-risk portfolios to seperate entities or having risk management agencies oversee them. (Its a way for them to pass the underwriting risk factors off but still gain profits from the overall transactions)
Because of this, I think its prudent for any merchant with even minimal transaction history to speak one on one with a merchant account provider and see what his/her alternatives to 3rd party processing are.
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