SwellJoe - you were paying way too much for your merchant account...
Unfortunately, that's sort of standard practice for credit card processors, even ones that we've seen people recommend on HN. We've got it in our contracts with http://FeeFighters.com processors that they can NEVER raise pricing, don't have any hidden fees, and we have reviews on them so you can see how other people have liked them.
I don't know enough about fraud protection at PayPal, but we've heard a lot of horror stories when people come over to merchant accounts.
Unfortunately, that's sort of standard practice for credit card processors, even ones that we've seen people recommend on HN. We've got it in our contracts with http://FeeFighters.com processors that they can NEVER raise pricing, don't have any hidden fees, and we have reviews on them so you can see how other people have liked them.
I don't know enough about fraud protection at PayPal, but we've heard a lot of horror stories when people come over to merchant accounts.