@DPCreations wrote: @dawkaz I think merchant processing is the way to go for your volume. As for loans, they are never guaranteed with PayPal. Loans from your bank would likely be a better option. If you have a low credit score, then your focus should be a fixing that as your business would greatly benefit from improved borrowing capabilities. A direct merchant account may not be a good idea for online sales unless your merchant processor/bank has a way to integrate it. if a merchant with merchant acount has rolling reserve or high reserve due to bad credit,high chargebacks,then he would not get all the sales proceeds ,but Paypal could do the same/
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