Vanco combines merchant account and payment gateway

Vanco is another combined merchant account and payment gateway — in the same vein as PayPal Pro and IATS — that also primarily serves nonprofits. Vanco offers particular flexibility to programmers through its API for recurring gifts, and is especially affordable for EFT transactions. Its percentage-based transaction fees for credit-card payments may be a little higher depending on your transaction volume, but it's a strong option if you want integrated credit-card and EFT transactions.