OMG, I'm hoping someone on here can help me. I've got a MESS on my hands & I'm not sure what to do about it (if anything can even be done).

I've got an online store that's been up & running for almost 6 years now. I've used a merchant account & PayPal during that time & everything has been fantastic. 1000s of happy customers & the business keeps growing every year. In all this time I've (probably) never had more than 5-6 c/c chargebacks.

Well, in early September I got sick & couldn't work for about 2 weeks (I'm the only one that runs my business). Well, when I got back I had complaint after complaint... Soon after the chargebacks starting rolling in...so many now I've lost count. Needless to say my c/c processor cancelled my account & PayPal has me on hold until I pay them the $ I owe them.

"Luckily" I had a 2nd merchant account that I've had for 2-3 years that I've never used. I just signed up for it one day since the terms were so good & decided I'd have it in case I ever needed to switch companies in a hurry (like if the 1st one was down, out of business, etc). I switched over to that one & have been using it the past 2 weeks. Everything has been fine...until yesterday.

It seems the new company (Moneris) uses 1st National to process their c/c transactions...& 1st National is the company that cancelled me! Now they've turned me off!

I have 2 questions that I'm hoping someone can help me with.

My store (Yahoo) HAS to use the First Data Merchant Services (FDMS) Nashville platform. I have NO clue what that is, but is First Data the same as 1st National?? ...meaning that if they're connected I'm never going to be able to use c/c's again until I get this mess straightened out?? I have all intentions of paying them back eventually, but there's no way I can if my store is down!

Also, does anyone have any other suggestions or advice about using a processor in the meantime??

I'm so stressed out I'm about to have a heart attack. I woke up on "Black Friday" expecting a ton of orders only to see NONE & called Yahoo and they dropped this bomb on me.

Can anyone help??? Thanks!

Brandon