Depending on the types of cards you take and the amount of volume processed, your rate will vary. Retail Profit Systems can guarantee 2.9% per-swipe and lower. In most cases (depending on the cards you take) the rates our clients see are much lower than 2.9% per-swipe.
You cannot obtain an Authorize.net account by yourself, you need a re-seller. A re-seller is basically a bank or institution that hops through the required hoops to offer that service. Retail Profit Systems is an Authorize.net re-seller we have worked very hard with to provide BusyBench users with the best possible rates.
Obtaining Authorize.net API keys is a very simple task that Retail Profit Systems streamlines for BusyBench users.