Need Help Getting A Virtual Credit Card Terminal

Hello,

I'm currently using paypal and they just put a hold on my account and won't let me transfer $2500 from a customers account to mine.

I'm looking for a Virtual Terminal, as PayPal and all the others I've seen so far need you to be a business with a merchant account at a bank.

I'd like to be able to charge their credit cards directly and have it go into an account of mine, either a bank account or an account with a service I could withdrawal from, similar to PayPal.

Is there any other alternatives one could use or a virtual terminal service that doesn't require you to be a business?

Thank you in advance

I used Bluepay and they are pretty good and affordable. If you want to save some cash, before signing up contact one of the sales representatives and negotiate the price a bit. I was able to cut off 40% cost just by pretending I really want to use them but the price was the only factor holding me back

I don't know of any that don't require being a "registered business," but that doesn't mean you have to incorporate or go through a bunch of grief, at least if you're in the USA.

In my (US) state, it means registering an "assumed name" at the county. That's ~$10 and one form to fill out.

They used to require a business checking account, but last time I set up a merchant account (to take credit cards) they let it slip that personal accounts are fine now.

Edit: Had wrong contact info before. It's http://www.apsolutions.net/ Approval Payment Solutions, and they deal with NPC.net ...there was some buyout awhile ago and it got a bit confusing...

The rest remains as I wrote it originally:

The setup fee is kinda steep, but they'll take almost anybody who's not in the process of bankruptcy. And since this is BHW, I'll also mention that anyone who's been nailed for CC or merchant account fraud is also outta luck.

Make sure to negotiate to get rid of the cancellation fee and minimum statement fee.