Well, starting up a business is exciting, but frustrating when you are just stuck at points waiting for things to happen. Namely, waiting for several packages to be delivered. I have time to look at credit card processing, riveting! Host Management Services looks nice because they have a different transaction pricing model and it seems less than other options. Hopefully I can use Quantum Gateway with them as it is free (I believe) and I know X-cart supports Quantum Gateway. It was vexing to find I needed a merchant account to even apply for a resale permit but I find the eastern ideas of moving with an inexorable tide of water to fit well with bureaucracy.