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I need a merchant facility that allows

  • _credit card_ to _bank account_ payments ..or at least a means of processing to another person's bank accountmultiple payment destinations within the one credit card payment

I've looked at PayPal and my general opinion is it's fubar (multiple different payment technologies with little differentiation), randomly placed documentation/support and minimal support in Australia).

Ideally this merchant should be internationally-enabled so that my website payment gateway can be used globally.