My web developer used to run a golf equipment distribution business. He understands, better than most, what is required when on my side of the fence. he told me that from feedback he gets from his other customers, SagePay is the cleanest and most user-friendly gateway. It's obvious from the various comments above that there is some agreement on this. If it was wrong I would have expected someone to stick up for the Barclays interface, which they have not. As I understand it, Cardnet's interface isn't very good and most people with Lloyds merchant services use a third-party gateway like SagePay anyway. I do understand there are discounts to be had if I pay to join your forum first but I'm not going to do that - sorry.