There are few options for retailers to accept transactions over the Internet. Of course, you can sign up to merchant services through your local bank, then accept credit cards. However, if you are new to the market with no history, your bank may be reluctant to give you merchant services or charge you a restrictive rate, to cover their chargeback costs. Another option is PayPal and anyone can use this service and accept PayPal payments on their website. Problem is that if you receive a lot of PayPal orders, then you don't really want to be logging in to a web browser to access your account.23 Apr 2009