ReservationKey and the others I mentioned in your intro response allow you to choose who you want for processing. As I said - I use Square because: no fee unless I run a card, no hidden fees, money goes into my bank account within a day or 2, and I get an email about the deposit (they take their fee before deposit so no waiting until month end to find that out and the only time they would withdraw is if there was a chargeback), AND I can send an invoice for GC or if as in once case, Daddy wanted to pay for daughter's room. Slightly more fee, but worth it. (A Foundation I am treasurer of uses the invoice with Square to sell our merchandise - buyer gets invoice, enters cc#, we get email that invoice is paid, and we ship the merchandise. We do not even see the cc#, just that the money is in our account.)