Switch to Braintree
if you think this is incorrect and switching to braintree solves this problem, please explain further.
http://www.braintreepaymentsolutions.com/services/merchant-a... Bundled Services – Merchant Account, Payment Gateway, Credit Card Storage and Recurring Billing
Meaning they do offer some competitive, wrapped merchant account. I haven't used Braintree - anyone have comments on these guys being good vs. bad?