I was considering ProPay: Accept Credit Cards - Simple, Safe, & Affordable as a solution for merchant accounts, but would like to know if anyone knows of any other services that provide the things that ProPay does without the steep monthly rates?
I already use PayPal, but would like something that provides a virtual terminal so I can handle local sales using my palm treo easily.
I would use a merchant account, I have heard good things about them and they are worth your while! Do your research though, as some are better than others!
I used to use Card Services International when I owned a bookstore, and they were a great processor. You have to do decent volume but the fees were low and they also offered an online processor that beat the hell out of Paypal. Of course you have to be able to qualify to use them.