Hello,

I am from Germany and need a merchant account. I found Worldpay but it is not really a merchant account and especially they keep the money for 4 weeks which is something that I am not at all comfortable about.

I found one company that offers merchant account but that company had totally wicked fees like $0.5 per transaction + 5.5%. That is not acceptable especially since I have to process low value payments ($3).

Is there any merchant account available for companies in Europe that do not charge you an arm and a leg, give you the money immediately and make it look like you are processing the credit card payment yourself ?

Look chronopay.com

metacharge.com and worldpay.com really good. I think chronopay.com too...

I doubt that metacharge.com or worldpay.com can help you, both of them charge you at least the 4 - 5% in processing and have a transaction fee.

What you will need is a processor which can offer you a low transaction fee..Don't know if you can get it much lower then € 0,25/transaction.

and Chronopay has high rates for you too

Average transaction fee in EU is around €0.30
Processing fee is 3%-5%