What are they?? I've been doing this long and hard (that's what she said) search for a merchant account with great rates but that can be used with eBay and I've found a ton with craptastic rates, but then I found Charge.com, which has incredible rates and I just don't know whether I can use it with eBay or not. As long as I use the Payflow Gateway with my merchant account, am I golden? But how do I get the merchant account approved if it's not directly affiliated with eBay and I don't have a free-standing site of my own like they're looking for? Stupid, stupid, complicated eBay.