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Have you tried ringing the banks direct?

Back in AU (I now live in Canada) I was able to get a pretty good deal and system from my local bank. I have no idea why it was not promoted online but their merchant facilities did the trick!

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My business bank account is with BMO, so I tried to contact their own solution called Moneris. Their sales rep didn't know what I was talking about. They tried to push me to use virtual terminal and other stuff that usually retail uses. In the end, the sales rep said she'd have to talk to the manager to see if they have anything like what I want. So that pretty much failed.

The Canadian bank ones are garbage. Good opportunity for someone to partner with them.

We use Moneris. The product that covers what you want is eselectplus. You can get info on their API here http://www.eselectplus.ca/en/downloadable-content. They are pretty clueless. We went with them because at the time (2006) they were the only company we could find that would support Canadians that had recurring billing. Their API isn't complete. We actually have to do screen scraping against their virtual terminal to compensate for missing APIs.

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