Merchant accounts aren't necessarily a bad thing! With a merchant account there's little to no delay on your funds - money goes straight from your customers account into your business account. There's a Canadian company Payfirma that is disrupting payments by giving merchants more payment options like the popular mobile and tablet pos to ecommerce and even traditional chip and pin terminal setups, in one solution. You get to pick and choose the products that help fix your current payment woes but also upgrade those products in the future for when your business grows.