We run a small holiday accomm business on our rural property. A couple of years ago we finally retired the old "phone us with your credit card details" routine, and added a self-serve booking and payment engine to our web site. Our bank of 20+ years wanted AUD$200/month for a merchant account, steep percentage of each transaction, minimum monthly spend, and an extra layer of web site security because we are in the "high-risk travel industry". Of course, dear bank, people use stolen credit cards to book a weekend in the country all the time...
So anyhow we looked for a 3rd-party payment gateway, found Pin Payments, no regrets at all.
Our conversion rate from enquiry to paid booking has gone up a lot, because it's just a button-press. No more waiting to see if payments will come through, or phoning guests back to chase payment.
The Pin Payments component of all this has been simple to implement, economical in use, and totally reliable. Review collected by and hosted on G2.com.