I have been doing business with clients both national and international going back to 2008. And I have never had the headache with a merchant processor like I had with authorize.net. If you care about cash flow and not having ridiculous long funding holds... steer clear of authorize.net. After an insanely long review / underwriting process for simple ACH account, Authorize. Net collected ACH funds then proceeded to hold them for about a month before stating they needed to once again but my company through an underwriting review. Mean while they collected their fees right away. After asking what is going on with my funds that were on hold they stated that my account would be canceled and it could take an additional 5 to 7 days for the ACH funds to show up in my account. What a nightmare.