I just discovered Neil Shearing's "3rd Party Credit Card Processors" site. It's a great site that explains why most online businesses do NOT need a merchant account, and then reviews and compares six third-party credit card processors. Of course, many of the links he uses are affiliate links --- thus giving him a small income every month (about $400 to $500 he says.)
The info he provides is great --- but when I see sites like this, I'm just plain jealous! Why didn't I think of this? Hmmm....back to the idea well.
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