I know that a lot of times, merchants will see a good discount rate but without reading the fine print, they sign up.
At Mile High Merchant Accounts you get a comparable discount rate (2.09% on e-commerce (keyed) accounts) with an electronic payment gateway at no extra fee. This gateway will provide free fraud prevention tools (Address Verification Service, MaxMind GeoIP, VBV/MSC, DialVerify). The gateway will store credit card numbers for monthly billing, allowing the merchant to update their database automatically. There is no more trying to call the customer to get a new number, etc. Your software can do this. Recurring Billing is also free.