I need to accept credit card payments from my customers for my SEO Services. Please provide input and suggestions on which Credit Card Processing company is best to work with in getting approved with a credit card merchant account. It seems as though many processors are placing SEO Services businesses on 'High Risk' merchant accounts due to higher chargebacks they recieve from cardholders. I am contacting several processors, but many of them require 'Upfront Rolling Reserves' from 5%-10% on top of my credit card processing rate. For example, i found some processors who will approve me with a merchant account and online payment gateway, but charge me 2.99% on every card transaction i run, AND they will withholds an additional 5%-10% ?rolling serve? fee on my credit card transactions (example: 2.99% rate + 10.00% = 12.99% taken out of every transaction i run). If i have lower than 1-2% chargebacks on my total transactions ran, then they will take me off the rolling reserve and pay back the 5-10% they took on my previous credit card transactions. Please send me company information and contact phone #s on companies that are best to work with (especially those that don?t require a ?rolling reserve? on each transaction). **I heard that some SEO companies set up merchant accounts and don?t list their business type as an ?SEO services company? to avoid paying these additional rolling reserve fees. If anyone has set up a merchant account this way, and what business type they were approved for, please let me know! Thanks!