The database i developed for the company i work for has used the X-Charge plugin from Accelerated Pay for the past 8 months and we love it. Everything is fully integrated to FileMaker. We are in the process of setting up our database to utilize ACH payments using the plugin.
As for support, they are superb.
Will, it may not be important to you presently, but I always try to find a processing company that also has some sort of "online" processing. I don't have any recommendations, but you may wish to keep that in mind.
I've used 360Works Plastic for a couple of customers with no problems. It works with any merchant account with an authorize.net or Payflow gateway. Much more time was spent setting up the account (paperwork) than was spent on setting up the plugin. The plugin has never failed to work as described and I now recommend them for other clients.
I appreciate the responses. I still have to learn more about credit card processing, but from what I gather the statements below are accurate:
Can be used by various merchant accounts which allows you to shop for the best rate
Requires you to store the credit card number if it is to be used for recurring billing
X-Charge and Nelixtransac
Plugin is free
The credit card number is not stored in FM even if used for recurring billing
You are locked into using them as the merchant account provider.
Any other points?
I can only comment on X-Charge but yes, that is correct. When the card is processed it is stored on X-Charge's server and you are given an alias to the card in the response.
Yes you are locked to them as the merchant.
Another pro is that they offer an online gateway to run transactions as well. Not sure if the other merchants do or not.