I looked at the fee structure, right now it looks like getting the merchant account is the first step.

Although I already have a business bank account I have not heard/come across "merchant account"term in any of my contracts.

It looks like this process would add another $100/month cost to my operating expenses. I guess just to avoid that I'd rather go with Amazon or PayPal.

In terms of switching from PayPal to Recurly, would one lose all the subscription information? It's one thing to want to save money but losing subscriber information is a no no. Can anyone comment?

rmoriz and atldev, thanks a lot for your input so far!