* We used FeeFighters to find a merchant account (ended up going with Merchant Focus). FeeFighters gets you a bunch of competitive bids. We only looked at the top three recommendations, read the reviews, and ended up going with the #1 recommendtion
* The application took one hour to complete, and was done entirely online. We followed up with a phone call to Merchant Focus to help expedite the app. It was approved and completed within 24 hours. No set up fees. Very competitive rates. No monthly minimums. Just a gateway fee and an Amex minimum plus the per-transaction fees.
* We had our Authorize.Net login within another 24 hours. We got any holds removed. I forgot how this happened, but it didn't seem that it was a huge hurdle.
* Once we had the Authorize.Net login, we signed up for Recurly. It took one hour to sign up.
It would be pretty valuable, to me at least.