Suppose, you don't have PayPal and you don't want to pay ridiculous 2checkout fees and you want to run an online business. What alternatives can you use to receive card payments online with minimal fees? I've come across a few alternatives but they all seem to be pricey. For example, securepay.com.au was looking nice until I saw their fees which is 45 cents per transactions (which is not bad) if you are processing less than 75 transactions a month AND AN ADDITIONAL $395 ANNUAL FEE. Not good.