We're just getting started and are using http://www.goemerchant.com
who set up our merchant account and includes cybercash. They charge $39.95/mo. but made everything go smoothly and easy (I filled out an application, they came back with the account). Obviously we're also getting dinged with the typical credit card charges. We set it up with Alabanza last week and so far our beta tests have worked flawlessly.
Email me if you need more info.
[This message has been edited by Arf (edited 08-28-2000).]