Cost of Funds Transfer

Collection of customer funds is the nuts and bolts of any ecommerce system.  Many Solutions require you to use their merchant account.  Your store, the very item that your customers use to see your products, is secondary to the merchant company wanting to lock you into their service so they can collect their fees.  We don't care who has your merchant account or it you have one at all.  Our primary concern is your customers experience at your store and your ability to manage your store and process your orders. 

What would you rather have - a merchant account that supports a shopping cart, or a Online store that will support just about any payment process you chose?