Let me be also very clear. When you are going through underwriting, you will feel at times that this was a colossally bad idea, but it pays off its trouble in gold.
Also, they just failed a basic sniff test. I called their 800 number to ask if they would work with a firearms business and reached a voicemail. They say department is available between 8AM and 8PM Eastern. It is just after 6PM eastern right now. That does not instill a lot of confidence.
Rate wise, I pay about 2.8% + 0.15c. Obviously different mechanisms (dipped vs typed vs internet) have different rates. There are no monthly gateway fees. The underwriting took about 3 weeks, but again I was very prompt in answering followup questions. I did not feel any additional headaches that I already did not anticipate due to the underwriting process. They did ask for a lot of documentation (that I totally expected them to ask and in my opinion is very relevant), licensing and such but again I am operating in a VERY regulated industry. They did want some clarification of business processes since they were not 100% familiar with selling guns online and in person. But I will say, they were very interested in understanding my requirements and help me do things according to the published laws and guidelines. Feel free to write to me at my hn_username at 80386 dot org if you want to chat. I would love to help with this if you are interested.
You do not need to mix your bank and payment processor. For example, my credit/debit card stack is USBank + Elavon but I bank with Navy Federal. I don't even have a checking account with USBank.