What is the purpose of a 3rd party processor such as Eonlinedata. I currently use them with an Authorize.Net account to process cards. They've restricted me from accepting international cards, although I've never had a chargeback, so I would like to find another processor. Will this be easy to switch over to another company? And why exactly are they in the loop? Thanks for any information.

If you are using them in conjunction with Authorize.Net, then it sounds like they are a merchant service provider or processor that has provided you with a merchant account. You should have a merchant services agreement either with them or with their acquiring bank. Be sure to review it for cancellation fees. If you've out-run the fees, or don't mind paying them, it should be pretty easy to close your merchant account with them and open another one with a different provider that can re-program your Authorize.Net.

Welcome to the forums asterisk!

On their website:
e-onlinedata is a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo, NY
So you should be getting a merchant account thru them it seems. Are you sure it is a third party processor? I mean, does your name appear on the consumer credit card statement? Do you usually get your money 24-48 hours after the sale? if so, chances are that this is your own merchant account.

Have you contacted them to find out why this restriction is placed on your account? It might be a glitch

Some merchant processors are very restrictive on international cards due to the higher risk present with them. (Typically 8-10X greater)

If eOD has indicated to you that this is their policy, it is likely due to that reason.

However, since you are a U.S. merchant, it is easy enough to setup a new merchant account if that is the direction you wanted to go and if you feel your current processor's policies are too restrictive and can't work it out with them.

We use E-Online Data and Global Payment, both accept international cards BUT you will have to pay a higher discount rate.

Did you talk to John Waldron at E-Online Data? he is a very helpful person.

I still recommend Global Payment over Online Data, but like I said if you are willing to pay a higher rate both of them should work just fine for international credit cards.