Another reason to avoid paypal: If someone wants to make purchases from you, but does not want to sign up for paypal and only use their credit card as a "guest," paypal limits what they can spend to $4,000 (Edit: That is $4,000 total, they add up all purchases). If they reach that, they can no longer purchase from you unless they sign up for a paypal account. Spoke to someone in the limitations department, and he said there was nothing that could be done to change that. It is a "security" thing, even if there is a good long history of the person buying from you (my client had made 40+ purchases) . I think a more, hahaha.. we have power, sign up with us or suck it, type deal. Don't make my mistake assuming you can use them for processing credit cards. You will get F'ed in the A if you have a good repeat client who doesn't want to sign up with them. On a related note... thought merchantinc.com would be a good company to switch to, go through authorize.net, they promised I would be able to process payments by Friday. Turned out to be a lie and they have ZERO support on the weekends. So obviously screwed that one up too. Anyone know a good processor I can get set up with today? Losing this client would suck. But pretty much screwed with it being Sunday I imagine, LOL.