You could try http://www.2checkout.com/community/ they are very good.

You could use http://www.mals-e.com for storing the card details and then process manually through a merchant account at your bank

Just a few alternatives.

Credit cards have a thing called a "grace period" … depending on your card it can be between 22-30 days where you dont need to pay anything back and not get charged interest. This only applies to "purchases" and not "cash advances" (cash is always charged interest immediately).

Ideally you dont want to pay small amounts each month because you then get charged the FULL interest of what your statement balance was, regardless of how much you paid…for example, if your statement says you have a balance of $2000 and you pay back $1999 1 day before it is due then the credit card company will charge you interest on the FULL $2000 despite there only being $1 balance the day it was due..the reason is because you didnt pay your full balance of $2000 so they are going to charge you for ALL of it…..greedy sonsbyatches but that is how it works.

If you were charged interest in one month because you didnt pay your full balance and then you start paying your balance in full the following month then you are likely to see "residual itnerest" charge since it is interest carried over from the previous month..so it actually takes 2-months of paying your balance in full before you stop seeing interest being charged.

Oh, and dont try to be eager to pay your balance in full so fast….remember you have a grace period…yuo could be using your money somewhere else like earning high-interest…For me, i never pay back my statement balance until the day before…but of course, i have automated withdrawals set up online for my credit card to auto take out the money from my bank on the day before it is due….this maximizes the amount of time i can use my money on other things…if i did an online payment to my credit card it is possible it could take up to 3-business days to get to my credit card which is not efficient….i use to do it that way….

Hope these tips help.

And btw, don't listen to the responder above about destroying credit cards…As long as you are responsible it is a strong benefit to have them. If you keep up your responsibility of paying back and using you build a credit history and improve your credit score which helps for other things in life like buying a house or a car….its like a report card of how responsible you are with money for the rest of the world….the more responsible the more trustworthy you become when you attempt to get credit in other things in life. It's important when you get older. I'm still young but have a killa credit score!

First, get rid of the CC debt ASAP.
Next, take what you were paying on the CC, and put it a savings account.
Then, talk to a realtor about what you can realistically afford.

When you buy a house, the mortgage payment isn't your only bill. Utilities, maintenance, etc.

The point is, save WAY more than you think you need. With the exception of new constructions, houses have things that break.

Good luck

Another great one to try is 2checkout, I have used them as a customer but have not yet added them to my websites.

Hope that helps to answer your question.

We've used PayPal for several years in order to avoid the monthly minimum fees by some of the processors.

Mike