Howdy,
I just wanted to add...I've been using Linkpoint.com for a few years. LinkPoint International is a major vendor, and although a bit pricey, service, payment, support and tools are flawless.
I've been on-line for a few years now, and when I joined

(last October), I entertained adding real-time processing to the back end...incidentally, although

offers LinkPoint, I would've had to close my account and reopen a new one.
I opted to keep my account and continue manual processing. If I ever (I doubt I will) decided to host elsewhere, I can easily port my processing...cant do that with integrated.
Admittedly, it is an extra step.
Just my 2 cents.
All the best of luck!
Jerry G
MartiniArt.comMartiniGuy