I'm looking to integrate a third party payment processing capability into a new online service I'm helping to create. One option is to build our own payment gateway from the ground up... not really an ideal solution. The other option is to partner with someone who has a robust existing gateway solution. This partner would need to be willing to work with us (we would want to skin the gateway and build our own UI that integrates with the rest of our service), and presumably enact a revenue share. We expect that revenues would ramp somewhat slowly over the next 6-12 months, but could easily ramp exponentially thereafter.

Ability to process credit and debit cards is essential. Ideally the solution would enable a customer to use their own mercahnt account if they have one, or would be able to offer a hybrid solution (inc. merchant account) if the customer does not have their own.

ACH transactions will need to be part of the product offering in the near term, although not necessarily as an initial product feature.

Ability to do things such as schedule payments, authorize repeat payments for a set amount or within certain pre-specifed limits, etc. are all HIGHLY desireable.

Anyone know of any payment gateways that might be a good fit for us? We're familiar with the usual suspects (e.g., cybersource, authorize.net, etc) at a high level, but I have no idea if any of them have a history / the capability and desire to work with someone else as a strategic partner who would simply skin their gateway....

Thanks in advance for any ideas!!!

Shane