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From a programming perspective, I find that working with RocketGate, Epoch, or CCBill to be straight forward and effective.
RocketGate has a great SDK that they put up on Github, which makes it easy to integrate. I would like to see more processors follow their lead on that.
From a fee perspective, I think the cheapest would be some kind of crypto system or Paygarden, because all of the credit card processors are going to charge high risk fees. My limited understanding is that a merchant account gives you the lowest fees, but it comes with it a lot of labor and initial costs to setup.
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