Borderless Wallets for Online Processing

i'm getting a set of prints for people and part of the order includes wallets. Usually I go through Ofoto, but last time I got wallets done up they had borders (It wasn't the image ratio, the border was all the way around) and I'm wondering if anyone here could reccomend a place that could get me some good ones sans borders.

Can't you choose not to have borders on ofoto? There's a setting that states something like "crop photo to fit size"?

Yeah, but that only applies to larger prints if i remember correctly. I made a diagram with PSP to show what i mean. It is probably more confusing than anything, but here it is anyhow. Thats not the photo i'm getting done up, i just stuck that one on there quick as an example.. Zooming and cropping (which I had selected) doesn't do anything for wallets--they are just automatically made with borders all the way around. Yeah, I could cut them out, but then I end up with smaller wallets.
Anyhow the point is, who's gotten wallets at a photo processing place and how'd they turn out? What'd they look like as far as borders?