Having been told by my first choice of payment gateway (Braintree) that virtual currency and in store credits are high risk, I am having to look elsewhere for a suitable alternative. (They also say that memberships are high risk, especially with regular subscriptions). In the UK our choices are limited and I wondered what other people use. I am looking for one that: Does not shut accounts for no or silly reasons, freezing funds. Provides 3D Secure Includes PCI complacency Is not outrageously expensive Is based in the UK, covered by UK legislation and answerable to the FOS if things go wrong. I wondered what gateways other people use and recommend ... or suggest I avoid. Thanks