Hi, I currently have a merchant account that I use together with the PCCharge (Verifone) software. I use PCCharge with my internal order management system; which doesn't allow me to authorize a transaction until after I receive the product from my wholesaler and scan it into the order managment system. When I first launched my site this method worked fine because I never received fraud orders, but lately I've been receiving more and more fraud order attempts. Currently, when I receive the product from my wholesaler and I authorize the credit card using PCCharge; PCCharge does a good job declining the order, but at this point I just keep collecting more and more inventory on products that are not fast movers - so I just end up sitting on this inventory. I will like to change the way I currently handle this payment process to now do real time authorizations at the time the customer submits their order. This way if the order is declined it will before I place the product order with my wholesaler. I don't have experience using any online payment gateways, but for merchants that use an online payment gateway currently or if you have used them in the past can you please either private message me or post some of the more popular ones that I can look into?? Thank you, olimits7b