www.nbepay.com offers the lowest fee in the market now. supports visa/master/maybank2u and many more

if you ask me, that's cheaper than ipay88 RM68x12

http://ipay88.com/ipay88link.asp
1. One time Setup Cost: RM488.00
2. Maintenance Charge: RM68.00 per month

not to mention, nbepay offers the lowest commission (only 3%) per transactions for credit cards

no matter how reliable your gateway is, selling tangible products or non tangible services, you can't please everybody. the services offered are mostly based on 'customer is always right' and by the book or law, buyer is always right.

paypal is e-money, and just like e-gold, the money floats and you can't see the actual money until when it's cleared off, managed by a company and these company has their own policy that isn't very nice for sellers because they protect buyers. when you charge your cc to paypal, it converts into e-money. e-money belongs to paypal. paypal has the right to do whatever they want if they have reason to believe it's a fraud.
customer > gateway > merchant (paypal) > seller (you by cash)

credit card on the otherhand, pass though gateways, check internal & checks external with database worldwide visa/master/diners/etc, and the money exchange hand by 'credit'. charge back only via application form & form, which everybody don't really like to do. they protect both merchant and customers.
customer > gateway > merchant/seller (you by credit)

now you see the difference..