Two gateways in eighteen months and both of them ended the same way: the invoice goes green, the customer is happy, and then the money sits in someone else's balance for four days while a support ticket goes unanswered.
I would rather pay one percent to something that settles in an hour than 0.23 to something that settles when it feels like it. Nobody publishes settlement time because nobody wants to be held to it.
So who is actually fast. Not "fast in the FAQ". Fast last week.